vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I was divorced my ex husband got the XXXX XXXX XXXX and I got the XXXX XXXXt. A judge signed off on it. In XX/XX/XXXX my ex husband defaulted on his XXXX XXXX. The company Santander put it on my credit. When I am not financially responsible for it. I have legal documentation to prove it. Because of this it prevented me from buying a house for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I have been harassed by phone from a collection company for XXXX XXXX. This company is called Weltman, Weinberg & Reis co from XXXX XXXX Oh. Not only do they harass myself the Harrass my parents. We had no idea the loan was in default never contacted until XX/XX/2018. At which they demand full payment. I asked for options they advised undoable options. They also are suggesting to how I should pay the loan by taking on more debt with loans. The continue to call sometimes over 20 times a day. Not willing to work with me when I had no idea they were even buying my debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
I have requested proof of debt from collector for about 6 months. My last request was made XX/XX/XXXX. The hospital injured me and then tried to charge me to correct the problem, which they failed to do. They provided me no medical care on the dates in question XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The hospital in question is : XXXX XXXX hospital and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank XXXX XXXX XXXX XXXXXXXX Florida XXXX The bank named above issued to me store credit cards in the last few months they continue to lower the line of credit I have avaible, I ask why on a chat session on line ( I am XXXX years old and XXXX ) the other person on the char session did not know why I never missed a payment usually pat off the cards in first month when I get bill not ever month but 10 out of 12 months, in their letter to me they site credit reports, but after looking into this I find that Synchrony Bank is reducing the credit line due to me age, most likely using a computer program to predict when a person will die I feel this is wrong and I am not sure if they have some how obtained any medical files on me, I did have XXXX XXXX last year had the XXXX removed and have been XXXX free ever since This is wrong a bank should not try to predict a persons death, this bank has been paid and of course I will return their store cards even thu they have a lower limit, I think this bank should be investigated as to its policies of senior citizens Please let me know if this policy is a violation of Federal Law Thanks XXXX 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 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I complained in writing to my loan servicer, Mr. Cooper, about an issue with excessive emails and their employee 's behavior on the telephone. 

The company responded to me with a letter, but the next day, I received a large, thick envelope from Mr. Cooper with the same letter that I received the previous day, but the rest of the documents belonged to another client of Mr. Cooper, who lives on the other side of the country. The documentation included Mr. Cooper 's letter to the client, including clients ' names, address, loan number ; deed of trust ; detail transaction history ( 8 pages, 147 separate transactions ) ; welcome letter dated XX/XX/XXXX ; statement dated XX/XX/XXXX ; and escrow analysis dated XX/XX/XXXX. 

I called Mr. Cooper to tell them what they did, but it was brushed off as an error. I believe they breached confidentiality of the other client. I would not want my financial information to be sent to random strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am trying to short sale my property, the Lender is Banco Popular Puerto Rico. I hired a Real Estate Company and the real Estate broker has a remote Short Sales ' processor/negotiator. 

BPPR won't grant my third Party Authorization, it was originally faxed and e-mailed to the bank and the bank 's employees requested to bring the paperwork in person. 

My Realtor and I walked into the bank on XX/XX/2018 and handed the Listing Agreement, the Purchase Agreement and the Third Party Authorization form to XXXX XXXX her phone # is XXXX, email : XXXX the lender still won't grant the third party authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I contacted XXXX XXXX to report a debt that that was opened while I was a minor in XX/XX/2006. I explained to them that I do not recall ever having this debt and to send me information about the debt. They stated that they would not send me information about the debt and that I would have to fill out a police report.

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 2018-11-30 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: IL

Complaint narrative:
After several disputes Equifax showed 6 accounts as not reporting ( see enclosed report pages ) but now they are back on my report. Please remove the following accounts : XXXX XXXX never late XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX never late

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
My loan was recently changes from being serviced by XXXX/XXXX. XXXX to a company called Select Portfolio Servicing. 

In XXXX of XXXX I modified my loan with XXXX XXXX and have a 100 % on time payment history. 

I attempted to have PMU removed from my loan, but was notified that due to my payment history it would not be eligible for removal based on payment history until XX/XX/XXXX. 

I requested removal of PMI from my current servicer, SPS, who ahs recently informed me via mail that I am not eligible due to payment history. Note this correspondence was dated XX/XX/XXXX, well after I had made my 24th on time payment that XXXX. 

When I called SPS they stated on the phone they could not verify my payment history and did not have access to it. 

My PMI is eligible for removal, this is a situation I've followed closely for 2 years and their assertions are at best in error and potentially fraudulent. 

I have attached a copy of SPS letter and my payment history as available to me from my bank. 
You can see all my payments are made via the servicers auto-payment program. The payment date in their system is always before the due date and the date shown in the attachment is the posted date to my account which is often different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
I called ERC to get more information about a debt that is not mines. I explained to the company that I do not recall ever having this debt. I asked them for more information about the debt and they explained to me that if i did not recall ever seeing this debt then they would not send me information pertaining to the debt and I needed to file a police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My identity was stolen and my credit card was hacked. Charges were made over the course of 2 months by the time i noticed the charges. Charges started in XX/XX/XXXX and fraud was reported first week of XX/XX/XXXX. Capital one refunded the amount of all the fraudulent charges and a few months later they said their investigation determined there was no fraud and they charged me for approximately {$14000.00} worth of fraudulent charges. The gentleman investigating the fraud, XXXX, would not allow me to submit additional information to prove that the charges were fraud. Charges were made in multiple cities/states on opposite sides of the nation and i had proof that i was not even in the same state as some of these charges. Capital one was unwilling to work with me, unwilling to share information of their investigation, unwilling to accept any additional proof that i did not make charges, and XXXX refused to connect me to a supervisor. He told me that if i didn't like his decision that i would have to hire a lawyer. He refused to give me any information ( email, address, phone # ) that i could have a lawyer reach out to as well. I have had to pay the full amount of fraud to avoid any interest charges and i am looking to be made whole, either through the consumer finance bureau or through legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I rented a car from XXXX in XXXX. Two charges were posted related to the rental ( one charge denominated in USD and the other denominated in Euros ). The charge was posted on XX/XX/2018. I disputed the charge on XX/XX/2018. However, I didnt have all the details i.e. credit card statement when I disputed the charge. Subsequently I contacted Chase Bank to change the disputed amount on XX/XX/XXXX, which they told me I had to wait until the original dispute was settled When I tried disputing the additional amount, Chase declined the additional disputed amount saying I had missed the deadline to file a dispute. However I was just following instructions given to me by the Dispute department. Please refer to the attached letter I have sent to Chase. The additional disputed amount is {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been using Capital One XXXX XXXX card for more than 5 years. Generally, the card is very handy and easy to manage. However, in XX/XX/2018, I submitted a dispute case related to a merchant ( XXXX ),  and the dispute case is a large amount dispute ( {$5900.00} ), capital one is not able to dispute this charge in a fair and helpful way and capital one rebilled this amount on my card without the right reason and due process. 

Before the rebill, I tried to coordinate Capital one 's requirements to upload all the documents and the documents uploading failed multiple times due to technical problem from capital one website. And then, capital one holds me accountable for not uploading the documents on time and closed the dispute without reviewing or collection those documents before the close of my case. 

I received the rebill on my card on XX/XX/XXXX, and before this XXXX rebill, I did not receive any communication from capital one to request for more information. I chatted with XXXX agent online around XX/XX/XXXX and told the agent that I was moving and may have difficulty receiving mails. I asked her to check if there is any mail related to this dispute case on my profile, and I was told there had been none since I asked XXXX to reopen the dispute case. It was not true. On XX/XX/XXXX, I got a letter from Capital one and the letter said because I did not provide documents to capital one by XX/XX/XXXX, capital one had to close the case. 

I contacted capital one on XX/XX/XXXX and let the dispute associate know that I was moving and did not get the letter asking for more information. The agent online told me that a case owner would contact me within 24-48 hours. 

On XX/XX/XXXX, I did not get any call or contact and then I called in and was told a specialist would contact me by XXXX XX/XX/2018 XXXX. And then, the call is not happening and I called in dispute dept again and the case is finally getting reviewed at the dipute dept. However, the entire process is more than 180 days and it is definitely not the right course to close such an obvious zero performance case without refunding consumer 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: GA

Complaint narrative:
In XX/XX/XXXX I began working as a post-doc at XXXX  XXXX, which qualifies for PSLF. I have been working to get my student loan payments into PSLF and on the correct payment plan since before they even came due from grace ( XX/XX/2018 ). I managed to get PSLF status and transfer to XXXX XXXX. I paid XXXX prior to having a payment due because of the switch from XXXX. XXXX has placed my account in paid ahead status, which I requested repeatedly to have permanently removed, as this prevents payments from being counted towards PSLF ( called XX/XX/2018, agents # XXXX and XXXX ). I was told the status was removed. It was not. I paid {$60.00} in XX/XX/XXXX ( on a {$58.00} payment which showed owing nothing ). My bill is still showing paid ahead status, and in this status I can not make PSLF-qualifying payments ( at least they do not show up on my statement as qualifying, per my XX/XX/XXXX payment ). I called again today ( XX/XX/XXXX ) and was told that the status was removed previously, but the loan still shows as paid ahead for XX/XX/XXXX. I have set up to only pay the required payment for XX/XX/XXXX, but I need to pay more than the set payment as this will not cover interest and my loans will balloon. If I end up moving out of government work/PSLF-qualifying work, this will cause me to owe an insane amount of money. This should be simple, XXXX should be able to apply any extra payment to interest/principle as requested repeatedly ( I have also e-mailed via secure system twice ) and my payments should be PSLF-qualifying. They seem to be unwilling to actually do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I contacted National Credit Systems to verify a debt. They have not given me any information on this debt. While I did stay at XXXX XXXX XXXX, under MO law the landlord has 30 days to send you an itemize report of deductions and damages ( Missouri Annotated Statutes XXXX ). This was not done and the credit agency can not furnish any information in regards to the damages and cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: FL

Complaint narrative:
we have a closed case with this company already however upon checking there was a Loan Renewal dated XX/XX/2018 I did NOT Authorize & it is pending for {$650.00} and starts XX/XX/2018 now i spoke briefly with Company on XX/XX/XXXX phone call & asked about the loan they stated they rec Complaint & had stopped ACH withdraws from my account but THEN stated I still OWED them XXXX come XX/XX/2018 there better not be any withdraws from my account as they stated they stopped it Loan Application Application Number : XXXX Loan Type : Renewal Loan Status : Pending Application Application Date : XX/XX/2018 XXXX Loan Amount : {$650.00} Total Amount Due : {$0.00} Due Date : XX/XX/2018 this is from there website and that is under My name & Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
We closed on our house in XX/XX/XXXX and property taxes for that year were collected at closing. The original servicer/lender ( XXXX XXXX  ), per our closing agent cashed the check for the XX/XX/XXXX property taxes on XX/XX/XXXX. Our loan was subsequently service released a few months later to LoanCare, whom is now our current mortgage servicer. We received a delinquent XX/XX/XXXX property tax notice early XX/XX/XXXX of this year. We proceeded to email LoanCare on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no return response. It appears per looking at our payment history that LoanCare disbursed payment in the amount of {$2500.00} to satisfy the delinquent XX/XX/XXXX property taxes, which the funds were previously sent and cashed by the original servicer back on XX/XX/XXXX. Essentially we have paid the XX/XX/XXXX property taxes twice with the advancement of payment by LoanCare. We had the understanding that as our current mortgage servicer, LoanCare would contact the original servicer on our behalf to resolve the matter. However, LoanCare just proceeded to advance payment, thus causing us to have a severely negative escrow balance. Our monthly mortgage payment will increase significantly when the next escrow analysis is performed. Please provide any assistance that you can.

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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting fro m the ID Theft. I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation
State: GA

Complaint narrative:
I was issued a XXXX XXXX card from my employer. I have the application on my phone to keep track of my funds. On XX/XX/2018 I checked the app and noticed a substantial amount of money was missing from my account ( {$2100.00} ) .My card was never lost or stolen so I was confused. I immediately called the bank and was told I would receive a dispute form and new card within 5 business days. New card came and dispute form never came. After my 3rd attempt calling, I was giving an email address to send my dispute to. I emailed it on XX/XX/2018. Dispute form came in the mail after I sent my email. Dispute form says my card was lost and not in my possession. That is inaccurate, my card was never lost and remained in my possession. Between XX/XX/XXXX and XX/XX/XXXX someone was constantly checking my account several times accumulating {$42.00} just in ATM fees and withdrawing increments of {$300.00} seven times late night at an ATM. I called XXXX XXXX several times during the investigation and was giving no useful information about my account. On XX/XX/XXXX I received a letter denying my claim due to conflicting information given.

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 2018-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Over the past three years, I have repeatedly tried to get my ex-husband, XXXX XXXX, removed from my checking/debit account and my credit card account through PNC Bank. I opened this account and credit line as a single individual, and at no time, listed him as part of the account or listed him as an emergency contact. For some reason, PNC has been unable to explain why he has been linked to my accounts. 

Over the past three years, XXXX XXXX has received account notifications as well as account alerts when there is suspected fraud ( i.e., if I am traveling out of the country ). At each occurrence ( the last at the end of XXXX and is noted on my account records at PNC ), I have contacted PNC Bank and they assure me that his name and access has been removed, but then I find out he has been contacted again by PNC regarding " fraud '' on my account -- which also gives him PRIVATE information regarding financial transactions as well as my locations. 

This occurred again today, XX/XX/XXXX. He was called by PNC regarding a " Fraudulent Purchase '' on my debit card. When I contacted PNC, they stated they saw that I had called in XXXX regarding the same issue, but " nobody followed through on making sure it had been dealt with. '' And then stated it appeared he had access via my ONLINE banking. 

Again, I have NEVER linked his name to this account. I have NEVER granted him access to my account. I have NEVER agreed that he should receive PRIVATE information regarding my account. 

I need action taken immediately on this and I believe I should be given financial compensation for illegal sharing of my private banking information. My divorce was not amicable, and I have no idea how much of my financial information my ex-husband has been able to access.

Company response to consumer: Closed with explanation