vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
On Wednesda  y  XX/XX/XXXX    @  XXXX   XXXX , I received a phone call from  XXXX  on my cell phone from a  XXXX   XXXX  asking for me. He told me that he was calling from National Credit Adjusters but refused to reveal the nature of his call. I told him that he had no authorization to call this cell number. He hung up. I returned the call the same day @  XXXX    XXXX   and spoke with  XXXX   XXXX   XXXX . He stated that I owed  XXXX   XXXX  {$150.00} from  XX/XX/XXXX . I told him that all debts to  XXXX  has been satisfied and that this company can not do business in the  State of MD . He continued to dispute what I had told him. I asked him not to call my cell phone and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I applied for a student loan with Sallie Mae and was denied. I am in  XXXX  school working on my  XXXX . However, I just co-signed a student loan for my son about  five  days was approved after I co-signed the loan. They then said my student loan which was eligible to be approved with a co-signer who was creditworthy. If I were not creditworthy then how could I be a co-signer on my son 's loan? This is just a scam to pull in more people to be responsible for a loan. They will then try to get both people to pay for the loan which will then get them double the amount being paid back.   This is unfair and discriminatory practices because then they said they do n't look at the FICO score which means that they are looking at my age, ethnicity as factors to determine if they will provide a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XXXX XXXX, 2017, I got an email from PayPal requesting a copy of my social security card, and my IRS information. I uploaded my XXXX form and a copy of my driver license. However, my XXXX only show the last four digits of my social security number. I thought I would at least get an email from PayPal informing me of the issues before the decided to place a limitation on my account. I contacted the customer service but I could get any answer from them. All I was told to get in a contact with compliance department using the email address from the email sent on XXXX XXXX. I have not received any answer from them and I believe they are imposing on my right. I have not been able to access my money to pay my bills. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: DE

Complaint narrative:
I get daily repeated phone calls from an number in XXXX XXXX, NJ XXXX. Either no one is there, or when I ask to have my number removed they hang-up without speaking or warning. <P/>When I do get someone, they never Identify who they are by personal name of company name. They state that the call may be recorded in an effort to collect debt. Then when someone is there they ask me to verify my name, DOB and on one case my address and SSN #. When I advise they need to ID themselves, they say they can not until I verify the above because it is of a personal business matter. They refuse to give the company name which by FDCPA they must do as it is not confidential info. When I demand they ID them self, they hang-up without warning or comment. <P/>On X/XX/2017 I called the # back and got a rep who asked for me to ID myself. I refused to until she told me the company name. She hung up on me. I called back and a different que gave me the company name as Berk Credit Collections. I then asked for a manager and got a man named XXXX XXXX, who I asked to remove my # and he said it would be done. I also requested a written notice of who they were and what business they had with me. he asked for my Address. I advised if I had legit debt that he would have that. I advised that the reps are calling and hanging up when asked who they are calling from and how this is a FDCPA violation. He merely said, " Yeah, OK '' and he hung-up. <P/>What recourse do i have. I am not aware of any debt I have in collections. I do n't have perfect credit but have worked hard to fix my past mistakes. this is harassment and unfair debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XXXX XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX XXXX XXXX  X/XX/16

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 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
On  XXXX   XXXX ,  First Tennessee Bank ( FTB ) unexpectedly closed my Companion Card which had in excess of a {$1000.00} balance. Since closing, the funds have remained in the hands of FTB despite numerous calls and escalations to try and get the funds back to me. It has now been over 65 days and they are holding every penny hostage.   This is unacceptable and the telephone support channels have done nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
[ THIS IS A RESUBMISSION OF COMPLAINT NO. XXXX, FILED AGAINST XXXX ON XX/XX/XXXX. ] On XX/XX/XXXX, we refinanced a home with USAA ( d.b.a. XXXX XXXX XXXX XXXX ). Because we just today sold the home and pulled out some old paperwork, we realized we were never contacted by USAA after we complained during the closing that we had never obtained a Good Faith Estimate. Thus, when the HUD-1 arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing  documents that a GFE had not been received, and that she would speak with the lender about it. ( The lender also said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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 — Investigation took more than 30 days
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NH

Complaint narrative:
On XX/XX/XXXX I sent correspondence to One Main Financial ( aka Springleaf ) via certified mail which they received on XX/XX/XXXX @ XXXX. In my correspondence I requested verification of a debt in which they claim was charged off in my name in the amount of {$7000.00}. I have not received original documentation verifying this debt. Additionally, upon further investigation, I retained copies of my credit report and as of XX/XX/XXXX One Main Financial ( aka Springleaf ) had not updated my dispute on my credit report within the time required by federal law under section FCRA, section 623 ( a ) ( 3 ) and therefore have violated my rights. A second letter was sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX @ XXXX by One Main Financial ( aka Springleaf ) addressing my concerns with the validity of said debt and inaccuracies being reported. I received a response on XX/XX/XXXX ( 70 days after my initial letter and 36 days after my second letter ) that it would take an additional 30 to update the information. In this same letter, they also failed to provide me with the original documents I had requested to verify the debt in my original letter dated back in XX/XX/XXXX. The last and third certified letter I sent was on XX/XX/XXXX and was received by One Main Financial ( aka Springleaf ) on XX/XX/XXXX @ XXXX. I requested the same information as the second letter and requested the inaccuracy on my report be deleted due to non compliance of FCRA, section 623 ( a ) ( 3 ). It is now XX/XX/XXXX and to date I 've no resolution, my rights have been violated under the FCRA, section 623 ( a ) ( 3 ), and One Main Financial ( aka Springleaf ) continues to report inaccurate information to all XXXX and XXXX. <P/><P/>In addition to the complaint above, personal and sensitive information was shared with someone else claiming to be me on XX/XX/XXXX at XXXX XXXX XXXX eastern time. I was told by the Executive Office of Customer Care they were of no fault of this even though there respresentative, XXXX XXXX was employed and calling on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
CONVERGENT OUTSOURCING, INC. has never contacted me in writing regarding this time-barred debt. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. <P/>In XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX [ XXXX XXXX ] and in XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX [ XXXX. XXXX ], and its progeny, the courts have consistently held that FDCPA claims are viable where they are premised on a debt collector 's knowing attempts to collect time-barred debts. In these cases lawsuits were filed to collect the debts or lawsuits were threatened or " further collection action '' was threatened. That is precisely what defendant has done here. Defendant knowingly and fraudulently transferred a prescribed debt onto another account then refused to heed disputes by plaintiff and his counsel. Worse yet, defendant has initiated collection actions, including dunning plaintiff, based on the new account which balance is solely consisting of the prescribed account balance. This plainly falls under the further collection action prong of this analysis. <P/>It is fairly settled law that filing suit on a time-barred debt is a clear FDCPA violation. The seminal case is XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). Also :

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 2017-06-28 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: IL

Complaint narrative:
On  XXXX / XXXX /   2017  I sent to TransUnion a certified letter attached below to dispute the accuracy and reporting of a bankruptcy they show on my credit report. They signed for this letter on  XXXX / XXXX / 2017  and responded with a return letter on  XXXX / XXXX / 2017  they hire a third party company " to check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. '' TransUnion has not disclosed this " third party '' company. They still continue to report on my credit report that the ILLINOIS  Federal Court  -  XXXX  is reporting the bankruptcy. This is not accurate, I have obtained a letter from the  Court Clerk whi ch is attached below. Also the address listed for the court is incorrect on the credit report as well. The court does not report bankruptcy 's to the bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
Ocwen Mortgage took over the Servicing of my loan a few years back. They have accepted payments on the account, but do not seem to be applying the payments and

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
We discovered someone within our company was writing fraudulent checks to them self and a second person not working for the company. We contacted XXXX XXXX at Fifth Third Bank to let her know what we had discovered and requested additional prior months going back to 2010. ( She is our local branch manager. ) We asked for those images several more times from XXXX XXXX, but did not receive those. In XX/XX/XXXX we stopped receiving the canceled check images with our monthly statements all together. They had also changed the format of our online banking so that check images would have to be view individually, taking hours to reconcile. We made several attempts to get this changed, including calling XXXX XXXX and Fifth Third 's  customer service. We noticed that when we call the listed branch telephone number we are routed to a call center. They provided XXXX XXXX 's direct line, which is disconnected. Since we did n't get any response from XXXX XXXX, we called the Regional Manager, XXXX XXXX. We called three times and left two voicemails with no response. At this point we are seriously considering closing out our account completely. Employees working for Fifth Third are withholding information about our business account and allowing someone to defraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
To whom it may concern, Navient/XXXX XXXX have been servicing my student loans for many years. Beginning in XX/XX/XXXX/XX/XX/XXXX - I began my college career and did so with the help of student loans. My grandmother, who was a XXXX, co-signed a student loan for my sophomore year tuition, a $ XXXX loan disbursed XX/XX/XXXX. This same loan now has a current balance of $ XXXX some 15 + years later. My loans are in good standing and have been on autopay for some time. Throughout the life of my student loans, I have repaid well over $ 60K. <P/>What 's troubling is that through various points throughout, status of these burdensome and variable rate loans have had an impact on my financial viability and credit reporting. I am in active contact with my United States Senator 's staff regarding this topic and suitable actions moving forward. I feel misled and boxed in to endless monthly automatic payments with no end in sight. <P/>My pursuit was XXXX XXXX initially with my career, studying XXXX XXXX and then XXXX XXXX. I have spent much time in the XXXX XXXX however, post-XX/XX/XXXX financial crash, XXXX XXXX XXXX jobs became very difficult to obtain and hold. As an example, working for a XXXX in CT beginning in XX/XX/XXXX, my position each year had an evolving status of full-time, part-time, and then finally position eliminated due to budget in XX/XX/XXXX. <P/>I am looking for thoughtful and compassionate solutions that will ultimately lead to much forgiveness on the remaining loans at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: Alorica Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2017, I sent a letter to Global Receivables asking them to validate I owe to them in the amount of {$160.00}. I requested that they send me something bearing my signature to support this supposed debt in which I owe them ( Global Receivables ). <P/>They sent me a reply on XXXX XXXX, 2017 along with a copy of my account with the original provider which shows which procedures were performed, the codes associated with them, and the cost of them. <P/>On XXXX XXXX, 2017 I sent them another letter explaining that they have failed in validating that this account belongs to them. I also informed them since they had sent me a copy of my account with the original provider which lists the procedures I had done, was in direct violation of the HIPAA laws, and requested them to provide me with any viable documentation, bearing my signature, that I owe them {$160.00}. <P/>They have not responded to my last letter, which they received on XXXX XXXX, 2017

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 2017-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XXXX XXXX, 2017, I noticed that the monthly payment of {$810.00} I had set up originally to come out of my account on the XXXX of every month had not been taken out and a couple of the loans were past due. I called Navient to see what the issue was and they said the repayment plan was over. They never notified me that it ended. If they did it would have been through e-mail with a link to messages that does not work any time I click on it. At that time they said I could do another repayment plan, this time the payments were going to be {$860.00} instead taken out on the XXXX of every month starting XXXX XXXX, 2017, and offered no explanation as to why the payments increased. At this time I requested a repayment plan and also if they could lower the interest rate on the loans, since I was originally paying {$810.00} every month and the principal was not decreasing at all. They refused to offer me a lower interest rate. <P/>One XXXX XXXX, 2017, I checked to make sure my payment came out on the XXXX XXXX, 2017 and it had not and my loans were again past due. I called again on that date and they said that the autopay that they had set up with me on XX/XX/XXXX on the phone got denied but they never notified me. They told me to go online and set up the autopay myself which I 'm going to do for XX/XX/XXXX. <P/>At the rate this is going I will never pay this loan off, all of my payments go to interest and after almost two ( 2 ) years of making {$810.00} payments a month, the principal has not decreased at all. To me, this is egregious. They are the worst company to deal with. They do not notify me of anything and have messed my account up numerous times and never have an explanation. <P/>I would like a lower interest rate and a better accurate payment plan, but they are not interested in helping their consumers at all, just gauging them as much as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and my mortgage is with Wells Fargo. My account number is XXXX. WF is holding 2 months ' worth of my escrow expanses as a reserve which is currently {$910.00}. As i am under Proposition 13, my tax will not increase and my Homeowners insurance also is going to be less ... I have explained that and requested to lower my escrow reserve to be equal to one month escrow expanse or {$450.00} ... <P/>The request was rejected because what they have said is it is required to have Minimum 2 months of escrow payments as a reserve ... That is not correct ... The limitation is that they can not have more then 2 months of escrow payments as a reserve ... The 2 month is maximum that they can have.

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 2017-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
This is my second complaint. First one was initiated in XX/XX/XXXX, which Lending Tree responded XX/XX/XXXX : Complaint XXXX XXXX XXXX ) Lending Tree 's XXXX XXXX response was false. <P/>2 ) As of XX/XX/XXXX, the balance of {$8900.00} still appears 3 ) They fail to mention, they used the wrong account number in the XXXX XXXX account. <P/>4 ) They also failed to mention the all the other payments that made the account up to date. XX/XX/XXXX payment made XX/XX/XXXX for {$1200.00} 5 ) XXXX payment made XX/XX/XXXX for {$1200.00} 6 ) XX/XX/XXXX Payment made XX/XX/XXXX {$1200.00} ( after they had the wrong bank number ) 7 ) On XX/XX/XXXX a payment of {$8900.00} was made to pay off the account due to their not allowing us to send a check saying they could not guarantee it would arrive or be posted on time, regardless of how early it arrived. <P/>As a result of these payments, over {$12000.00} in payments within 90 days. They still have the balance and are calling this account 30 days late. This needs to be removed immediately or I will file a civil suit. <P/>PS - Your system was very difficult to use and only now was I able to see the response for the first time and respond. thank you for fixing the password issues.

Company response to consumer: Closed with explanation