vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX  XXXX XXXX XXXX incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau XXXX and Experian are not willing to correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My first issue is that I have an account that I have contacted both the company and credit bureaus that is reporting closed on all my credit files back in XX/XX/2015. This account was paid off in full by my insurance company. Although they are reporting inaccurate information that shows this account has a balance and has been charged the credit bureaus and company is stating that it was charged off years later and although it has been charged off the balance is currently rising and shouldnt be. Although I have disputed this with the credit bureaus I dont believe that they take the necessary and required steps to fully investigate by law. Lastly the company will not honor my request to receive the steps taken in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX  XXXX XXXX XXXX incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau Transunion and XXXX  are not willing to correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One Auto Finance incorrectly charged off my account. After contacting them they advised me to dispute the error with the credit bureaus. After disputing with the bureaus I was advised contact the original lender. The account is being negatively reported and both the lender and bureau XXXX and XXXX  are not willing to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am reporting for fraudulent activity with Bank of America. I was trying to make my credit card payment using Bank of America ATM located in XXXX, WA ( XXXX branch ) on XX/XX/2018. I deposited the cash into the ATM for at lease {$350.00} or more. The ATM did not process my payment and did not returned my money. I called the Bank of America customer service right away and they answered my call with 20~30 minutes hold time. I explained to them what happened and they told me that they will review the ATM and process the payment within 3~5 business day. I checked again on XX/XX/2018 to see if my payment has processed or not, but it didn't. I called them again and asked what happened. The customer service rep said there is no inquiries regarding my ATM deposit and they have not processed any investigation. I complained and asked them what happened to my money. She said she has no clue and she will request for inquiries. Now it's XX/XX/18 and still no payment has been processed. I made additional payment using my other bank 's checking account, and that processed right away. Bank of America took my money and not returning nor processing the payment. If I didn't made additional payment using other bank 's checking account, they would've probably charged late fees, additional interest charges and so forth. If i don't contact the CFPB, they will never gon na return my money or process the payment. This credit card is not free. I paid like {$99.00} annual fee. I didn't signed up for this XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I am a target of predatory lending practices form my loan company, Freedom Mortgage. I have recurring bi-weekly payments through this company, and they are charging me an NSF fee for a payment that cleared their system on XX/XX/18. The payment shows it cleared my bank account on XX/XX/2018. I called and requested a review of the fee as the payment never bounced, and both their system and my bank account show the payment cleared as scheduled. After reviewing this fee they are now telling me I need to provide them additional documentation showing my bank account balance from the period of XX/XX/18 through XX/XX/2018. This fee is completely bogus, and they have even admitted that the payment shows it clears on their end. They are attempting to make me clear hurdles and jump through hoops to rid myself of this unnecessary fee. I am concerned that this predatory practice of tacking on bogus fee 's and then requiring the consumer to provide documentation to show otherwise is likely being perpetuated on other customers of this company. I fortunately keep good records, and will be going to the bank tomorrow to obtain the documentation they are forcing me to provide, however I'm certain there are other 's that may not have the same record keeping and may be forced to pay this fee to the company to avoid it snowballing or creating delinquencies. I would like the CFPB to investigate this practice from Freedom Mortgage, and ensure that this fee extortion comes to an end. Again the payment has not bounced, theres no indication in there records that shows the payment bounced. I am happy to provide both my banking statements as well as my mortgage payment history to verify this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
My first issue is that I have an account that I have contacted both the company and credit bureaus that is reporting closed on all my credit files back in XX/XX/2015. This account was paid off in full by my insurance company. Although they are reporting inaccurate information that shows this account has a balance and has been charged the credit bureaus and company is stating that it was charged off years later and although it has been charged off the balance is currently rising and shouldnt be. Although I have disputed this with the credit bureaus XXXX dont believe that they take the necessary and required steps to fully investigate by law. Lastly the company will not honor my request to receive the steps taken in the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: CO

Complaint narrative:
For the past year a debt collector has been calling me from numbers that change every 2 or 3 days. The name always shows up as " V '' followed by random numbers. They never leave a message. The one time that I answered the telephone the caller identified himself as a debt collector for a payday loan place. That loan occurred around XX/XX/2016. Attempts to block these calls fail because the name and number calling me changes every 2 or 3 days! The numbers calling me include : XXXX ; XXXX ; and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XX/XX/2018 I sent a certified letter signed receipt to XXXX XXXX  asking that they VALIDATE OR REMOVE a collection item from my credit report. I specifically asked for an original copy of a signed copy of the original contract binding me as owning the debt and not a bill. verification and validation is not the same all they sent me was a copy of a bill which doesn't validate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I placed a security freeze with XXXX  when they had their data breach. Today ( XX/XX/18 ), I placed one with XXXX. However, when I attempted to place one with equifax, they stated they were not able to because I have no file with them. This is strange because I have received my annual credit report in previous years, I have mulitple lines of credit ( student loan, car loan, and credit cards ) - I confirmed with all the companies that they submitted information to equifax. 

What is going on with Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
I received a letter in XX/XX/XXXX from ERC dated XX/XX/XXXX seeking to recover a debt of {$800.00} on behalf of XXXX XXXX. The letter identified me as the debtor, but it was sent to a business XXXX XXXX that I do not receive personal mail at, nor which I use for personal billing purposes. On XX/XX/XXXX I responded with a certified letter demanding that ERC verify the debt. On XX/XX/XXXX, I received the " verification '' which appeared to be a service contract dated XX/XX/XXXX for a person with the same first and last name, but for service at a location in another state over 1,000 miles from my home. I've lived in my house over 15 years and I've worked very hard to achieve perfect credit. I don't know how to get these folks to stop trying to collect a debt that clearly isn't mine and I'm worried that it's going to show up on my credit report, hurt my score, or result in some sort of legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Hello, I have been using CashNetUSA since XX/XX/XXXX, Line of Credit ID Number : XXXX The current interest rate for this loan is 0.819 % I've paid this loan off a total of four times over the past 5 years. It is time for my debt to be forgiven. 

Additionally, on XX/XX/XXXX, I sent a letter requesting the following information : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Virginia.

5. License Number of CashNetUSA Rather than provide me the information requested, they sent a generic response with no definitive answers to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: MD

Complaint narrative:
Real Estate illegal Foreclosure ( s ) : There are illegal Deed of Trust conveyance activities between XXXX XXXX, XXXX, XXXX and Selene Finance leading to the foreclosure sale date ( XX/XX/18 ) of my property. XXXX XXXX, my 3rd party user, submitted ( see attachment ) my " Consumer Complaint Form '' to the Office of the Commissioner of Financial Regulation, Consumer Services Unit, on my behalf. My issue is MUCH MORE worse than the XXXX XXXX {$140.00} million fake account settlement this activity must be stopped is in the billions in restitution, fines, penalties, etc. a class-action lawsuit -- PLEASE HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Cherrington Firm PLLC

Complaint narrative:
I attended XXXX XXXX in XXXX XXXX XXXX in XXXX. 
I am a XXXX living in XXXX I went back to the clinic twice after initial visit at their request. On last visit was told there was no money owed ( I specifically asked ). 
At XXXX XXXX/XXXX  time ( I was in XXXX ) on Thursday XX/XX/XXXX I received a call from Cherrington Firm by XXXX XXXX . I was told that i had an outstanding Debt of {$80.00} to XXXX and as i had not responded to Cherrington 's letter asking for payment it was now a bad debt. 
I asked the address that the claim payment request was sent. i was told it was XXXX XXXX  XXXX XXXX  Zip XXXX Utah I explained that my office address in XXXX XXXX ( which was given by showing my business Card to the XXXX reception when i signed on as a new Customer ) was XXXX XXXX XXXX XXXX suite # XXXX, XXXX XXXX XXXX, Utah XXXX. 
I was told that i had given the other address on my Patient form and it was signed by me. I attach that form. 
I was then told i needed to call XXXX to discuss. i called XXXX XXXX to discuss, I asked what address they had and they said it was XXXX XXXX XXXX XXXX Zip XXXX Utah. 
I told them that is not the address I gave when i registered as a new Customer/Patient. I was told i have to call their Billing Office XXXX XXXX XXXX. 
I called Billing office and asked them what address was in their system and was given XXXX XXXX XXXX XXXX suite # XXXX, XXXX XXXX XXXX, Utah XXXX ( the correct address ) I asked what could be done the rectify this issues and was told to call Cherrington.

I then called Cherrington back told them the above and XXXX XXXX just said nothing could be done, so i reluctantly paid {$110.00}, which was the {$80.00} plus the fee for collecting a Debt. 
I asked for the details of the claim which I attach. 
What they did not give me is the initial letter to ask for payment which was wrongly sent to XXXX XXXX XXXX XXXX Zip XXXX Utah. This is an important piece of information as I need to see what address that had for me on that letter. 
I have today, XXXX  XXXX Eastern Standard Time XXXX hours wednesday XXXX XXXX called Cherrington to request the initial letter they sent to request the outstanding payment. i spoke to XXXX XXXX. 
I also said i want the difference of {$110.00} and {$80.00} paid back as i was wrongly charged for overdue Debt because the request was sent to the wrong address. she has told me the matter is closed and they can not assist. 
it is not the amount that is the issue it is the attitude. It is no ones problem. Every one slips it sideways. 
I am concerned that with Tactics like this other people ( perhaps elderly and sick ) will be forced to pay for Incompetencies of these organisations. 

thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I paid {$100.00} on XX/XX/XXXX for a forbearance on my loan. I received an approval letter on XX/XX/XXXX for forbearance from XX/XX/XXXX to XX/XX/XXXX. I was told, I could only re apply for forbearance after XX/XX/XXXX, so I reapplied on XX/XX/XXXX. Navient had me, due for a payment XX/XX/XXXX, but my forbearance was approved before them. I called them with the forbearance approval and they drug around and didn't tell the payment department. Then they had me owning a payment that I didn't owe. Now, they mailed a new forbearance letter out, stating my new forbearance is from XX/XX/XXXX to XX/XX/XXXX, due to a late payment in XXXX. I paid for my original forbearance {$100.00} for XX/XX/XXXX to XX/XX/XXXX. Not a new forbearance I didn't pay for dated XX/XX/XXXX to XX/XX/XXXX. Need help with Navient business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
PHH Mortgage is charging us a late fee and saying we didn't pay mortgage for XX/XX/2018. 
We did pay. We always pay on time. We have bank statements that prove PHH Mortgage cashed our checks on time. The company is refusing to answer the phone or give us a live person to talk to. This is the second time they have done this to us among many, many other things. They lost our payment last year and we had to go through a big ordeal and have our bank call them to clear it up. It was long, drawn out, and ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Around XXXX XXXX XXXX XXXX di a hard request of my credit from Equifax. Since XX/XX/XXXX, there should have been freeze or alert put on my account, that day I founded out I was victim of identity theft and called all credit bureaus to freeze and lock my credit. Same day I filled police report also. XXXX XXXX was never authorized by me to access my credit report because I am happy XXXX XXXX customer and still have a about year left on my contract. This was unauthorized access by XXXX XXXX. The file could only been access with phone verification. None was done. Both companies failed its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
I attended college from XX/XX/XXXX through XX/XX/XXXXand got a private student loan through American Education Services ( AES ) in XX/XX/XXXXfor the amount of {$20000.00} of which I immediately sent {$10000.00} back and only used {$10000.00} for college expenses. I determined after the agreement that I did not require the total amount and rather than cancel the agreement and start over I cashed and sent half back. I have already payed in {$36000.00} and they expect {$15000.00} more or a total of {$68000.00} if I continue making payment per my schedule. Therefore, for a {$10000.00} loan, that was actually used for college expenses, AES is expecting {$68000.00}. This by definition is a scam and no institution should be allowed to make this kind of profit from {$10000.00}. I demand a Class Action Lawsuit to address the AES, who are engaging in unfair business tactics to exploit and scam students and receive a 700 % increase in their investment of only {$10000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I received a call on XX/XX/2018 from a XXXX XXXX, ACCOUNT MANAGER at XXXX XXXX XXXX   attempting to collect a debt owed to XXXX XXXX  XXXX   XXXX, in the amount of {$710.00}. 

I have no prior knowledge of this debt and asked for a copy of any written notice that was sent to me. I was forwarded a collection notice dated XX/XX/2018 as an e-mail attachment. In the meantime, I reached out to the creditor XXXX XXXX to find out what's going on. 

The next day on XX/XX/2018, I have received a call back from XXXX XXXX explaining that the claim processor denied the claim around XX/XX/2018. Apparently I was not informed about that by XXXX XXXX ( despite they have my e-mail and phone number ) nor claim processor XXXX. I also was notified that my credit dropped 40 points which surprised me. 

I called XXXX XXXX XXXX and talked to a XXXX, who informed me that there is a 90 days grace period for me to resolve the matter and there should be no reporting to the credit bureau during the grace period. Then I was transferred to XXXX as she handles my claim. I updated her on my findings from creditor, informed her that I am in touch with the claim processor, and wanted to make sure no reporting will be done during grace period. Not only XXXX claims it is only 30 days, she says it is running out already, also she threatened to report to the credit agency this coming Friday on XX/XX/2018, despite the fact that I was first contacted by XXXX XXXX XXXX on XX/XX/2018 and XXXX was not able to provided any proof of prior communication to me. 

I felt the collection effort is unethical and unfair as they have threatened/damaged my credit while not giving consumer any time to resolve the matter. 

I requested escalation on the matter to a supervisor and have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation