vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan has been serviced by six sharks since XXXX. Originally {$5000.00} total ( one subsidized, one unsubsidized ), it was issued by XXXX  XXXX XXXX. At that time I made some payments while still attending college. The second lender was XXXX. Then XXXX XXXX XXXX who really gouged me. Then XXXX XXXX and XXXX. I have been in college on and off the entire time. In XXXX I was called repetively at work to repay my defaulted student loan. I had already attempted directly to make payments toward my loan previously but received contradictory and confusing information. This time was no different. But I had a steady paycheck and I wanted to pay. I was informed that I could not start paying on my loan directly unless I wanted to pay the entire balance. Otherwise I must pay {$5.00} a month to another company XXXX for 9 months in order to show my repayment worthiness. Meanwhile my loan interest is growing and they garnish my tax return to the tune of {$3000.00}. In XX/XX/XXXX my combined loan amount is {$5400.00}. By XX/XX/XXXX the entire amount us {$8100.00} and appears to accrue about $ XXXX/month but sometimes they double up and give me two statements for the same month where the interest is more like $ XXXX/month. What happened between XX/XX/XXXX and XX/XX/XXXX? In 32 months I accumulated + {$2700.00} in debt. About $ XXXX/month. Hmmmm ... I didn't go to school for math but this seems deviant. 
After a year of making payments I am able to make payments directly to my loans again plus so much interest. Only I don't see where my {$3000.00} garnished tax return has made a dent my now over {$8000.00} debt. Only the Department of Treasury sends me paperwork about home much was taken without permission. I had a XXXX XXXX XXXX at home and was a single mother. This really hurt. So where did the money go? How was it applied? The loan servicer never sent any paperwork. Even today, after overpaying for 4years, I still wonder where my payments go. I understand the 6.8 % APR and that there is interest upon interest but I have now paid for this loan twice and still owe over {$3000.00}. Why? What do they really do with my overpayments anyway? What was the purpose of the lawsuit if not to protect people who have been abused by their predatory practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I had dinner in XXXX of XXXX, PA and my wallet was stolen. The thieves took my wallet, money, credit cards and several other important documents/cards. I reported it to the police. Late the evening of XX/XX/XXXX and all day on XX/XX/XXXX, I notified my bank and credit card companies. I received permanent or provisional credit from all credit card companies and/or banks but Citibank. Around XX/XX/XXXX, I received my statement from Citi. It included in the balance they requested I pay, {$960.00} in fraudulent, disputed charges. I called customer service to request a credit ( even provisional ). Citi would not do so, citing a " pending investigation. '' I questioned whether anything was pending as no one at Citi had asked for any information - police report, police name, where card was stolen, etc. To avoid paying interest, I paid my Citi bill in total ( including the fraudulent charges ). Fast forward to XXXX, the police called to say the thief was apprehended and is being charged and being held in jail. I call to tell Citi and again request a provisional credit. They refused, citing a pending investigation. I sat on hold over an hour to have the call elevated to a supervisor. No results. I have no problem with Citi continuing any investigation. I see that as a separate matter to my request for a provisional credit. They are not investigating me. It is not easy to be out of almost $ XXXX at the holidays for charges you did not make and someone else was arrested for.

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 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been placed in collections on XX/XX/2018 by LVNV Funding LLC for the balance {$840.00}. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt. 
This is not a request for " verification '' or proof of my mailing address, but request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 { b } that your claim is disputed and validation is requested. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : - What the money you say I owe you is for? 
- Explain and show me how you calculated what you say I owe : - Provide me with copies of any papers that show I agreed to pay what you say I owe : - Provide a verification or copy of any judgement if applicable. 
- Identify the original creditor. 
- Prove the Statute of Limitations has not expired on this account.

- Show me that you are licensed to collect in my state.

- Provide me with your license numbers and Registered Agent of Service.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } requests shall be sent to me immediately.

If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion { to any/all the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } requests shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact ( including computer generated calls and calls or correspondence sent to or with any third parties ) be made by your company to my home phone, cell phone or my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
My daughter gets benefits under my XXXX she gets her money put on a direct express card we did not use the card for several months. Somebody charged about {$2700.00} worth of merchandise and online merchants. When I contacted direct express I was told that they would put the funds back on my card within 24 hours and in that time will do an investigation. The funds was never credited to my daughters account. Call charges that were used on the credit card were in Florida and New Jersey. I have never been there or never been out of the state of California. I was sent out some form of papers I filled them out sent them back and a month later received a letter saying that there was no fraud on my account. When I called the fraud department of direct express I was told that the case was closed and there was no fraudulent activity. I asked to reopen the case they said no they said they would send me some papers on how they determined it was fraud the only thing they sent me back was the papers I filled out that I sent to them to open the fraud case.Ive tried many different resources as such as contacting the merchants they said I need to contact direct express Ive had no luck and Im out of resources I have all my paperwork all my letters all the work Ive done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prime Recovery LLC
State: NY

Complaint narrative:
They sent repeated emails claiming to be from XXXX XXXX XXXX, XXXX General Counsel For Prime Recovery, LLC, however the emails I received on XX/XX/XXXX, XX/XX/XXXX failed to disclose the account or why they were contacting me, until I reported the emails back to them as potential spam. 

Since then, they have called excessively, upwards of 7 times a day. They have also started to text my phone number. On XX/XX/19, they texted twice with the repeated message in the span of one hour. They have done this repeatedly for three days straight now. 

I had contacted the Bank to resolve the issue. The texting, phone calls, and emails has become harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frontline Asset Strategies, LLC
State: CO

Complaint narrative:
In less than a 24 hour period I have received three separate phone calls from Frontline Asset Stratagies. They are also harassing a family member of mine who has nothing to do with this matter. When I asked who was calling, they refused to identify themselves and continued to pressure me for my address and the last four of my social. When I called back to find out who was calling, I was threatened with a lawyer. Frontline then called again, and again refused to identify themselves insisting that I must provide my personal information. I provided my personal information when I called them back yesterday. They call from numerous different numbers. I need these calls to stop. I need Frontline to cease contacting my former relatives (ex-brother-in-law.)

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Dates: Ongoing fraud since or about 3 1/2 years since FYXX/XX/XXXX to present XX/XX/XXXX. Account take over by company other 3rd party, & lowered credit transactions today XX/XX/XXXX without notification on reason & why the card was lowered.Specific issues: 1. Credit card taken over by 3rd party.2. Fraud on the card.3. Not allowed to access statements at all for 3 1/2 years.4. Failure to produce bank statements, resulting in late fees access due to not having the correct balance or payment amount per month for 3 1/2 years.5. Notification is rerouted to a 3rd party for 3 1/2 years to the so called "security department failing to explain each time why the call is rerouted to the so called "security department."8. I didn't received advertised interest rate & was not sent. 9.Trouble using your card (making purchases, credit limit reduced for no explained reason 10. Problem with a purchases never receive billing statement even though requested weeks ago, yet I am required to pay no matter what and I am going to stop payments after 3 1/2 years.. (billing dispute, fraud, transaction issue) 13. Problem when making payments 14. Problems with the terms & condition & lowered credit amount. 15. Problems with credit privacy issues someone has taken over the card from the best of my knowledge. 16. Problem with credit report or credit score for the above reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX, tried to open checking online, received email to ask about documentXX/XX/XXXX, Fax document they need, CALLED AND THEY SAY THEY RECEIVE AND CAN BE SOLVE IN 7 BIZ DAYS!XX/XX/XXXX, transfered living money in this account, found I can not use it!XX/XX/XXXX, fax again, same documentXX/XX/XXXX checking got closed for no reason.left $XXXX dollars I can not use for almost one month.No one solve the issueCalled 10+ times, no any email or notice of what is the next step.

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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
I’m currently am trying to get hired on for a job I applied for (XXXX XXXX). Am currently getting denied for something that is coming up on my background check that doesn’t not involve me a nor do I have any idea about. Please I need help with this ASAP... The charge is resisting arrest, search or transportation, a misdemeanor. Says I was XXXX   and was filed on XX/XX/XXXX. Deposition date is XX/XX/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 explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My mother died in XX/XX/2011. She had two mortgages with Ocwen loan servicing. The interest rate is outrageous, 12.5%. I have tried to refinance the mortgages but I can not because I was told it is under an Estate name. I paid off one mortgage. Sent in all documentation, the will, and the estate paperwork. I have sent in the paperwork every time I try to speak with this company about payment, refinance, everything, and each time they pretend like I don't have authorization. I had authorization when they wanted proof of insurance. I had authorization when they want their money. 

The company has since had a name change to PHH mortgage and they are no better. They are practicing the same underhanded mess as Ocwen. Please help me get rid of these people. If you can not get rid of them, please help me make them play fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VI

Complaint narrative:
LoanCare stole money from me under the guise of forced lender placed insurance.  They are now refusing to let me out of escrows therefore requiring me to pay into an escrow for an insurance policy I have already paid for.  They took money from me over the course of an entire year, then failed to renew my policy THEN they continued taking money from me despite the fact that the absolutely KNEW I had already purchased a policy in full.  They do things to confuse and slow the process like make it impossible to get a human being on the phone.  They do EVERY SINGLE THING by email but then when they were trying to contact me about their screw-up with my insurance, they sent me PAPER LETTERS VIA SNAIL MAIL.  So when it has to do with me paying them, they want email and everything to be smooth.  But the one time that it has to do with them telling me they screwed up, they send paper letters via regular U.S. mail.  Their staff was obviously trained to try to confuse me and thank God i kept asking questions because I wound up getting three different stories for what happened.

LOAN CARE ESCROWS ARE A SCAM AND THEY ARE STEALING FROM ME.  THEY TOOK MY MONEY FOR INSURANCE AND THEN DIDN'T RENEW THE INSURANCE.  THEN WHEN I WENT AND BOUGHT MY OWN INSURANCE POLICY THEY TOTALLY SCREWED ME AND KEPT TAKING EXTRA MONEY OUT OF MY ACCOUNT.

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 2019-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
XX/XX/XXXX : Applied for REPAYE. Informed Fed Loans that the recalculated amount for the year ( {$600.00} ) was not the lowest possible. Submitted IDR ( Income Driven Repayment ) request on XX/XX/XXXX. 
XX/XX/2019- Got forbearance for the month, as my REPAYE application was under processing. 
XX/XX/2019 : Received email stating the payment for XX/XX/2019 would be {$2900.00} XX/XX/2019 : Received another email confirming new REPAYE amount- a new monthly payment of {$420.00} which is first due on XX/XX/XXXX. 
Called on XX/XX/2019 : Called to clarify that the amount due mentioned in one email ( on XX/XX/XXXX, {$2900.00} ) was incorrect and wanted to make sure my new payment amount ( {$420.00} ) was reflected. The FedLoans customer service agent stated that I could pay {$5.00} for the month of XXXX  because  they did not use the direct deposit on file to withdraw the due amount. They then confirmed for XXXX the updated REPAYE amount ( {$420.00} ) would be processed, not the higher amount stated online in the account due to forbearance on the account. She assured me that it would be updated to reflect the correct amount by the time the bill was due on XX/XX/XXXX, and wouldnt withdraw {$2900.00}. 
XX/XX/2019 : Fedloans withdrew {$2900.00} from my account using direct debit. This was done even after I spoke to Fedloans customer service on XX/XX/XXXX, where they stated that this would not happen and the {$5.00} would trigger the forbearance for XXXX.

XX/XX/2019 : The payment of {$390.00} ( this is the original a
mount before recalculation for the year. I am not clear why this figure was brought up again ) was confirmed but FedLoans didnt suspend the larger amount since I am on auto debit draft ( they made the mistake of keeping the auto drafting function on and didnt submit the forbearance ). I asked to speak with the manager and she said she could escalate and expediate the refund of {$2900.00} but it could take up to 10 days. The mistake was on their end and they should have suspended the XXXX withdrawal and placed a forbearance on the account for XXXX. 
XX/XX/2019 : Called Fedloans because the online portal stated I was past due and the amount owed was now {$3300.00}. The Fedloans customer service agent stated that this because a refund will be issued and it also includes the {$420.00} due in XXXX. The refund request was not processed until XX/XX/XXXX and I may receive the refund sometime this week. However, I received an email about a forbearance approval for XXXX ( email received later in XXXX ) but it was not reflected in the account when I called on XX/XX/XXXX and still showed that I was delinquent on the payment. I was told that I should turn off direct debit withdrawal because they could possibly make the same mistake and withdraw {$3300.00} in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been placed in collections on XX/XX/2018 by Midland Funding LLC  for the balance $ XXXX. This is in response from erroneous reporting to the Credit Bureaus, and the highly negative impact on my personal credit report. I have not received information to verify this debt.This is not a request for "verification" or proof of my mailing address, but  request for VALIDATION made pursuant to the above. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec, 809 {b} that your claim is disputed and validation is requested.I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following:- What the money you say I owe you is for?- Explain and show me how you calculated what you say I owe:- Provide me with copies of any papers that show I agreed to pay what you say I owe:- Provide a verification or copy of any judgement if applicable.- Identify the original creditor.- Prove the Statute of Limitations has not expired on this account.- Show me that you are licensed to collect in my state.- Provide me with your license numbers and Registered Agent of Service.At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus (XXXX, XXXX, or XXXX) this action might constitute fraud under Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by the company or company your represent all references to this account must be deleted and completely removed from my credit reports an a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.If your company fails to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion {to any/all the 3 major credit reporting bureaus: XXXX, XXXX, and XXXX} requests shall be sent to me immediately.I would also like to request, in writing, that no telephone contact (including computer generated calls and calls or correspondence sent to or with any third parties) be made by your company to my home phone, cell phone or my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/2019 I filed a complaint regarding information provided to my credit card XXXX by Equifax that caused XXXX to reduce my credit limit ( XXXX-XXXX ). As of this date I have not received any response from Equifax providing me with the same information they provided to XXXX or whether or not Equifax corrected my Credit Report. 
On XX/XX/2019 I sent correspondence to XXXX  XXXX  at their " dispute '' office in South Dakota requesting the information received from Equifax that prompted them to reduce my credit limit. As of this date I have not received any response from XXXX or their Dispute Office.

Company response to consumer: Closed with non-monetary relief