vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I have numerous complaints about my loan servicer, FedLoan. 

1. The process of transferring my loans from XXXX to FedLoan was done incorrectly and my payments that were approximately {$50.00} ( income based repayment ) were {$150.00} ( income based repyament ) because they did not calculated my payments off my adjusted gross income. 

2. I was recommended by FedLoan to enter forbearance to buy time until my yearly tax returns were released, so they could recalculated my monthly payment of my IRS adjusted gross income. This actually caused me to be denied for the repayment plan because I was in forbearance, capitalize my loans unfairly, and revert to a 10 month standard repayment of almost {$4000.00} ( approximately 2 months worth of my pay ). 

3. I was denied at least 3 more times over the course of a year for my desired income based repayment plan for various reasons including unacceptable FedLoan delays in processing my infomation leading to expiration of the required application, inconsistencies between paper and online FedLoan IBR applications and loss of my employment salary information by FedLoan. It should also be noted my loans then capitalized multiple times and I also missed out on 12 potential qualifying payments towards the National Public Service Loan Forgivness program because of the above delays. 

4. Rudeness and unhelpfulness from the FedLoan staff, including initial denial of my request on the phone to simply check their fax machine to verify they had received one of my applications. 

5. After finally entering the income based repayment ( pay as you earn ) plan, incorrect tallying of the total payments I have made towards National Public Service Loan Forgiveness at least 3 times over the following few years. They still can not correctly count how many payments. I am told that they are submitting my information again to recount but have not heard anything in at least two months. 

6. Employment recertification is requested from me on a more frequent basis than yearly because they are inefficient at keeping track of their paperwork. Why do I have to re certify again so soon? I just did this. 

It should be noted that I have already had a lawyer for a period of time to help me gain enterance to the program and I submitted a long list of complaints to the US department of Education. Their response was less than satisfying. My desired resolutions have not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
RoundPoint Mortgage/ loan # XXXX Acct # XXXX I am filing this complaint because I believe that RoundPoint Mortgage is reporting me incorrectly to the XXXX credit bureaus as being over 120 days delinquent for over XXXX years. This is very incorrect! I have been over this and over this with XXXX, XXXX, XXXX, XXXX ( attorney in legal department ), XXXX and XXXX while this was all going on. Once I learned they were reporting me for being delinquent in XX/XX/XXXX, I called and spoke with XXXX and XXXX so many times I ca n't remember. The answer was always the same, " let me report this to my legal department and supervisors and get it taken care of ''. 

This account was bought from the original creditor XXXX where I had a good standing in the early part of the loan. The mortgage company was XXXX. RoundPoint serviced the loan for them after the aquisition. From the beginning, I had nothing but problems as the right hand was not with the left hand between XXXX and RoundPoint. Here is my story- Shortly after I moved into this new home that I built in XX/XX/XXXX, I started having problems with the foundation. Within a year, I had to move out because the movement of the foundation was so great, that it became unlivable. The builder and warranty company were not taking responsibility. They were sued by me. When I had to move out, the lender ( XXXX ) agree to put me in a loss mitigation status and actually pay for legal costs to sue the builder. XXXX put me in a forebearance/loss mitigation status while this was going on and they were paying the loan. I can tell you that the many times I called in to get information or update them with information, they could not find my file, or, it was in the hands of a new loan officer and they could not find information, or, I had to go over the information all over again, etc, etc. Finally, in XX/XX/XXXX, I decided to short sell the home and move on so that I could deal with the legal aspects on my own. This is when I learned that they had been reporting me negatively to the bureaus. I honestly do n't think they know what they are doing or if they do, they still do n't know what they are doing! This needs to be removed or corrected in the reporting procedures. I think it would be best to remove everything since I do n't think they know how to report it any other way. They sure did n't ever seem to know what was going on when it was right in front of them.

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 2016-05-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
The electric company accidentally closed my account and sent the debt to a collections agency. I contacted the electric company per the collection agency to resolve the issue. The electric company confirmed they had accidentally closed my account, but I still owed that debt but I could pay it to them. I paid the amount that same day to the electric company. The collection agency has contacted me several times after I had explain I had paid the debt and I no longer owe it.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation
State: CO

Complaint narrative:
Performant Recovery , Inc., Financial consultant in XXXX, Oregon # ( XXXX, using name XXXX ). 
Has called family members, friends and my employer. Aggressively stating they have important info to provide and that they obtained their ( my family and friends ) info from a some type of reference.

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 non-monetary relief
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
I found out that National Hospital Collections had reported information to my credit file when they told me if it was paid then it would not go on my file. I was XXXX at the time and was on workers compensation. I had borrowed the money to protect my credit and believed them when they told me I would not receive a mark on my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: MNE Services, Inc
State: IL

Complaint narrative:
COLLECTIONS KEPT CALLING MY CELL AFTER SENDING CEASE AND DESIST. THEY CALLED XXXX TIMES IN VIOLATION OF TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Weinman Acquisition Group
State: TX

Complaint narrative:
XXXX from Weiman Acquisition left a voicemail claiming she worked XXXX and there is action being takin against my social. I returned the call and she said it was regarding my husband. I then proceeded to tell her that I was hus wife and asked who the other parry was that made the complaint. She said she was not able to give me that information, I work in finance and am very aware of the regulations, and yes she has to provide being I am the spouse. She claimed that he would miss a court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I received the attached letter, acknowledging it would be the last contact I will be receiving. However, they are still calling me at least once sometimes twice per day on both my mobile and my home phone as recently as today XX/XX/2017.The letter attached specifically states " you will no longer be contacted regarding this debt, as such, this will be the last communication you receive from this office ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I 've had an on going problem with my checking account recently. First off, I had trouble with my insurance lady to try and cancel my auto payments. She said she did, she did not. Payment still went through, overdrew my account. I filed a dispute and instead of the insurance company putting the money back in my account, they sent me a check. In the mean time, the bank just kept racking up the overdraft fees after saying they all would be taken care of after the dispute. Now, weeks later I am still without a bank. Negative over XXXX in overdraft fees which I ca n't pay and when I call to explain, they ask if there 's anything I can do about that? I filed a dispute. They said they never got forms which I never got In the mail and closed my case. I went into the back and talked to a guy and he faxed a new case over, they mailed it back to me to fill out my account number, and send it back so I did that. Then I get a letter saying they never got the form again and closed my case again. Please help. I do really like Huntington bank. Now that the locations have more than doubled it 's been more than convenient. And if they close my account, it will be more than inconvenience to find a new bank. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cooper Hoffman Klein Associates
State: KY

Complaint narrative:
I am receiving calls in error. I have told the company they have the wrong number but they continue to call. I gave them my number and was told they would not call but they continue to call and threaten me with legal action. I am not the person they are calling for and do not know the person they are calling for.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
I continuously have to call all XXXX credit bureaus to get dispute remark removed from this account. I DO NOT want this account disputed. I am trying to buy a house and can not get approved because Hunter Warfield continues to add dispute remarks to my report. I want the remarks removed. I repeat I DO NOT WANT THIS ACCOUNT DISPUTED. *It forced me to select communication tactics and frequent or repeated calls. This is not an issue they are in compliance when it comes to communication. I just want the dispute remarks removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I applied for the credit card while making a purchase in order to get into the rewards program. I earned my first reward for {$10.00} off my next order. I attempted to use the reward and it came up as an invalid number. I spoke to numerous people and no one could get it to come up as valid. I had to cancel my order and cancel the account. I earned a {$10.00} reward that I was NEVER able to use. I believe the rewards program is a scam to get people to apply for the credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been trying to get statements for my XXXX motorcycle loans. In XX/XX/XXXX, USAA said I will no longer be a member with USAA. Since then I have n't gotten any statements. When I call I am asked to answer security questions. After they verify my information then I am put on hold, sometimes this hold is forty eight minutes to an hour. When the representative comes back, their reply is to hold for a manager. Again the wait varies thirty to forty-five minutes. When manager answers, they go through the verification again. Only for them to tell me they can not access my loans. Then they will give me other phone numbers to call and they say the XXXX office is the only office that can help me. XXXX motorcycle loan was open in XX/XX/XXXX and the other XXXX opened in XX/XX/XXXX. Since XX/XX/XXXX I have not had access to my accounts and USAA has not provided statements to me. I have been mailing payments with no confirmation of payment received. I am currently in the process of selling the XXXX motorcycles and I need the payoff amounts, but again USAA has refused to give me access to my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Internal Check Systems, LLC
State: FL

Complaint narrative:
This company continue to contact my family members and landlord also my job. I have no idea how they are getting my families information. No one they are contacting are a reference. Also I spoke with a very rude man that called my job. He XXXX XXXX said he had a warrant for my arrest and when I asked him for what his response was he did n't know, that 's strange if he had a warrant. These unprofessional, illegal collection need to stop. Over I asked him do not call my job again he called my HR dept. This was very embarrassing.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
capital one credit card division has an inside credit card scam going on and they know it.imposters using burn phone to order and send cards to your home only to devert them at the last minute to other package carrier locations for pickup, looks legitimate and they send the dogs after you to pay up.its a long story that started in XX/XX/2016 and i just busted their whole operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
XXXX XXXX called my father and my sister and my work phone number stating that charges are being filed against me in XXXX XXXX by XXXX XXXX XXXX unless I call to pay today. I have not received a debt validation letter, no one has called my personal phone number, and I do NOT provide third party phone numbers to any one. I have no idea who this is or why they are calling but it is humiliating to me and very distressing to my family members and coworkers who believe this to be true and are worried I am going to jail.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Reliance Exchange Group
State: TX

Complaint narrative:
Received robotic phone call message regarding a civil lawsuit being issued and papers to be served at employment address or home if I did not respond within 12 hours of receiving the message. Did not leave a company name or creditor name only that I had some time to call them back and make payment arrangements. Mainly threats about litigation and jail time even though they say 'civil ' at the beginning of the message. I called the number, a woman said they were " XXXX XXXX ''. They buy OLD debt and this was supposedly a debt from 2009 from a XXXX XXXX loan paid to XXXX XXXX Bank. She tried to be very friendly and said wow this is a really old account. I asked her for confirmation of the debt and she said, this was the XXXX level of collection and I had been sent information many times regarding this debt. She said, I see you are on social security which is not true nor have I had a bank account at XXXX XXXX XXXX. She said I needed to make a statement and she needed to record it. I told her no, she needed to confirm her true identity as a collection agency with her license and send me written proof of what she was trying to collect. She said I had already received that so I said then you are not legitimate with the FTC and I am not sending you any money or making a statement. The phone numbers used are XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I took out a loan for about {$70000.00} to finance XXXX pieces of XXXX for my XXXX in XX/XX/XXXX with a 7-month grace period. The funds were not released until XX/XX/XXXX. The XXXX failed in XX/XX/XXXX, and I contacted Wells Fargo Equipment Finance to make an offer to settle with no response. They contacted me about a week later to find out how to pick up the equipment, and no follow up calls were made. 
In XX/XX/XXXX, WFEF contacted me via email to tell me I owed them {$100000.00}, and that I was severely delinquent in the loan ( still under the grace period ) and repeatedly told me I made " XXXX '' payments ( the first payment could n't possibly be due until XX/XX/XXXX, and possibly as late as XX/XX/XXXX ). They calculated the {$100000.00} based on all the payments I would have made over the 5 1/2 years of the loan, including the interest for 5 1/2 years. 
1. They intentionally misrepresented the amount currently due in order to intimidate me and possibly try to push a settlement. 
2. They intentionally misrepresented the delinquency status of my account ( not delinquent at all, referred to as " severely past due '' ). 
3. Not sure if this is just semantics, but they referred to the loan as a lease. It was not a lease, it was a purchase agreement they financed.

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 non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I obtained a credit card with Synchrony Bank to obtain a 18 month no-finance account to pay for flooring and install service from XXXX. We had just purchased the home so it was empty for the flooring to be installed. XXXX charged my Synchrony account on XX/XX/2016 for {$6000.00}. XXXX XXXX started install on XX/XX/2016. My wife and I attempted several times to get XXXX XXXX management to come to the home as the install did not look correct to us. My wife sent pictures to XXXX XXXX and XXXX, the flooring manufacturer. XXXX admitted the flooring is defective via pictures. XXXX XXXX continued install using wood putty on luxury vinyl plank flooring to hide the defect. In addition XXXX switch carpet on us and installed a lower quality carpet than what was contracted for. XXXX violated XXXX installation instructions, which would void the warranty. We rejected the install and merchandise. An independent flooring consultant hired by XXXX verified our complaint with the vinyl flooring. XXXX admits all this but refuses to install new flooring as furniture and personal items now need to be moved and they refuse to hire a professional to move our items. Synchrony twice has sided with XXXX but I have filed a fourth dispute with them stating a billing error in accordance with the terms of The Fair Credit Act has occurred since I have not received the merchandise or service I contracted for. Synchrony Bank and XXXX XXXX are trying to force me to accept the {$6000.00} charge.

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