vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Today XXXX I called XXXX XXXX XXXX XXXX   XXXX to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment. 
Legally are they not required to inform me prior to a garnishment being issued? 
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void. 
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here. 
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
CAPIO PARTNERS LLC XXXX FLORIDA HOSPITAL XXXX XX/XX/2018 {$8600.00} {$8600.00} is attempting to collect and report to my credit a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Service, Inc (FL)
State: FL

Complaint narrative:
UNITED COLLECTION SERV XXXX COUNTY OF XXXX - XXXX XX/XX/2013 {$440.00} {$440.00} is holding information on my credit report that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently applied for a credit card with Capital One on XX/XX/218 and was declined " Based on your credit report from XXXX, there have been too many recent inquiries '' I checked my credit report for accuracy and shows I only had 1 inquiry prior to application. I've been on the phone with Capital One for a few hours trying to get an answer and they are stating application can not be overturned. I was denied credit with no valid reason and made it known to them before submitting complaint. I understand there are various factors looked at when submitting a credit card application and met all the requirements before submitting ( XXXX fico ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX, balance of {$170.00}. 

Rented XXXX XXXX XXXX. Paid a {$200.00} down payment, then my health insurance ( XXXX ) covered the monthly payments of {$50.00}. The machine was paid off by XXXX. Company is trying to double dip for payment. I owe nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
House burned down in camp fire on XX/XX/XXXX sent my structure check to XXXX XXXX XXXX  ... XXXX XXXX XXXX overnight-ed signed with a letter stating to pay off my loan and overnight my funds back to me ASAP on XX/XX/XXXX ... .as instructed on XX/XX/XXXX by them ... i have been given the run around since no one can verify when i will receive my remaining balance, one person says they received it and processed it on the XX/XX/XXXX even though i have proof it was received on the XX/XX/XXXX as instructed ... they gas light me ... and i was never able to receive a phone call back from a manager/ supervisor for over two weeks after calling daily not only do i have the stress of loosing one home they caused me to loose another in escrow because of this ... now as of Friday the XXXX a XXXX XXXX supposedly a Manager was going to return my phone call today XX/XX/XXXX he verified the receipt of the check ( which was cashed ) as well as my letter asking for funds to be returned to me ... .i get a phone call this morning from some other woman ... .stating there is no request to return funds to me letter ... ..several agents mind you have already acknowledged the letter was there i have a copy of everything as well. I want my money back this Co ... is either keeping my money to earn interest on purpose or is totally no qualified to handle servicing of loans i have emailed corporate filed a XXXX complaint called everyday ... .most i talk to are rude and uncaring and either act like i haven't done something right or didn't follow procedure which is all a form of Gaslighting ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A company called XXXX XXXX has reported a dept to my Equifax account that I know nothing about. According to federal law we the people are entitled to a notice to dispute any item that a company says we owe. I received no such notice from XXXX XXXX of this XXXX XXXX XXXX XXXX either. 
As far as I am concerned Equifax and XXXX XXXX has violated my Constitutional right to due process meaning I should have received notice of this so called dept I do not owe. They have also, in the process, slandered me and defamed me to which their will be serious consequences if this is not rectified by Equifax for allowing such XXXX to be posted on my account without a shred of evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 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: NH

Complaint narrative:
I am currently under the REPAYE program and working towards PSLF while working at a qualified employer. when submitting my annual employment certification form which I have done many times in the past there was a discrepancy with the number of qualified payments between my subsidized loan and my un-subsidized loan by one payment. when I first called the discuss I spoke with someone at XXXX XXXX who did not understand the PSLF process and was told incorrect information about the amount that was needed to qualify for a payment. when I called again and found another representative I was told that in XX/XX/XXXX the payment, which i did not change and never do, was for XXXX XXXX  less than the amount that it should have been therefore disqualifying that payment towards one of my loans for PSLF. The XXXX was charged in the month of XXXX. I was told that there was nothing that can be done about this but I do not feel that a mistake from the platform used by PSLF should be my responsibility. the payment for REPAYE is set by the department of education and I do not change the amount ever and would never underpay a loan by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
Fifth Third states the compliant appears to be a duplicate and then consumerfinance.gov accepts this at face value and closes the complaint. 

Fifth Third is not using my home owners policy with XXXX XXXX, which I paid in full, the annual premium in XX/XX/2018, totaling {$900.00} when Fifth Third calculate my escrow costs. Fifth Third uses a figure of {$1600.00} and I can not determine how they are allowed to use this inflated amount to insist I pay an inflated amount instead of the actual costs of home owners insurance for escrow. I spoke to XXXX in Fifth Third 's insurance division and they now my homeowners policy is with XXXX XXXX and they know the annual premium was paid in XX/XX/2018 for the full amount due of {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Genesis Lending
State: PA

Complaint narrative:
Genesis? XXXX Had received my agreed payment of XXXX on XXXX XXXX rather than the due date XXXX XXXX, 12 days early then in return added a late payment fee on XX/XX/XXXX of XXXX. They admitted the mistake through two phone calls and agreed the late payment should have not been charged because the payment was received early. They have also had a XXXX payment lost in the mail for a XXXX payment. They mailed the payment back to me and marked me as 30 days late on my credit reports being they did not receive the payment back until XXXX though they mailed it back to me so therefore XXXX payment was not late. They charged me XXXX late payment charge and marked my credit reports as 30 days past due. I would like my money back and my credit reports corrected. There is a conflict because of their Internet spokeswoman is the daughter of the manager in the building I live in, maybe this is the problem because I am in the right. I agreed with them I was over the limit but not late with the payment. There is a difference with being over the limit and late, these are late charges. This company is a rip off!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I BEEN TRYING TO HET MY FREE CREDIT REPORT I NEVER HAD ANYTHING IN MY NAME I KEEP GETTING DENIED FOR MY CREDIT REPORT I PIT ALL MY INFORMATION IN CORRECTLY I XXXX  XXXX   XXXX BORN ON XXXX XXXX XXXX-XXXX-XXXX  DONT KNOW WHATS GOONG ON BUT I NEED TO GET TO THE BOTTOM OF IT SOON MY EMAIL IS XXXX MY MAILING ADDRESS IS XXXX XXXX XXXX XXXX XXXX Ohio XXXX  AND BEFORE THEN I STAYED ON XXXX XXXX XXXX XXXX XXXX OH XXXX   PLEASE HELP PLEASE ILL GIVE ANY DOCUMENTS I NEED TO PROVIDE TO YOU UPON YOUR REQUEST THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CHERRY CREEK MORTGAGE COMPANY INC.
State: AZ

Complaint narrative:
To whom it may concern, Through the dates of XXXX and XXXX of XXXX we decided to sell our home in XXXX which we had previously bought through the same lender/broker, cherry creek mortgage ( XXXX XXXX ) also using same realtor ( XXXX XXXX ). 
We bought our house in XXXX for the first time using FHA Loan back in XXXX due to a forclosure back in XXXX. 
In XXXX we decided to sell that house bought in XXXX and buy a bigger one. 
We decided to go with the same company, cherry creek mortgage, due to them knowing our history and everything worked out well the first time. 
We sold our home and got " approved '' by our broker, Cherry creek mortgage and found a new home we wanted to move forward with. 
Paperwork was signed, inspections were done, fees where payed.

Then, 1 week before closing, Cherry Creek mortgage said that the deal was not able to happen since there was a forclosure from 7 years ago. 
Therefor we didnt qualify for the conventional Loan we had previously been " approved '' for. 
We had sold our house with them already and were waiting to close on the new one so we could leave the house to the new owner.

Then one week before closing XXXX told us that we couldn't buy the house we had already signed paperwork for and done inspections on because of the forclosure which they should've had known from before since we worked with them before and they knew our situation. 
We had to find a house to live in within a week ended up paying over {$20000.00} in rent and renting a home when we aimed to be owners not renters. All that money could've gone to our new home as the monthly mortgage payment. 
We ended losing money and time on a situation that could've been anticipated since we had previously worked with them and they had the information needed as well. 

XXXX XXXX from Cherry Creek mortgage made is lose our home and money. All of it could've been avoided. I do not even understand how we got to the end of the process if that was an issue from the beginning. It all seemed very confusing and not transparent at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MO

Complaint narrative:
On XX/XX/2019 at XXXX XXXX  I called XXXX XXXX, to double check that my student loans are still in deferment, and would remain for the spring 2019 school year. I advised the agent, that I will be attending school full time spring of 2019. He advised me that my deferment ends in XXXX, and that my first payment will be due XX/XX/XXXX. He stated I only have 48 months available of deferment, I asked how could a payment be due while i'm enrolled full time in school. I asked, how much will the payment in XXXX be. He stated we don't know, and can't view that due to my account showing zero due, and currently being in deferment. I pulled up my account online on XX/XX/2019, for both of my student loans, and it show 's that my next payment isn't due until XX/XX/XXXX. Last time I checked In-school deferment is unlimited, as long as you are enrolled at least half time. Which I currently am. Why would my loan company tell me otherwise?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XXXX I got an American Express XXXX card at my local XXXX. Everything was fine until late XXXX. I had my banking debit card linked up and had an automatic transfer of {$2.00} per day and one day I made an extra {$20.00} transfer ( Id give exact dates but I can not get into the account anymore ). I had issues logging in and was like maybe the site is down. I called that evening and was told that I had to do bank verification for the card, which made no sense because they were claiming that the {$20.00} deposit was suspicious activity. A deposit, not a withdrawal or charge. The way the they wanted the bank verification was suspicious and they said it was required to continue using the card. I declined since it was weird how they approached the situation. I was escalated twice to a manager who said in 7-10 days my account would be fully closed and a check mailed out for {$12.00}. It has now been over a month and a half and I still get alerts that the money is with American Express and that they are still attempting to debit {$2.00} every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/2018, I received a call from a man who said he was with XXXX XXXX XXXX ( my house loan was first threw paramount, they got audited, was over charging me, and my loan is now with someone else ) he asked me if I was ready to refinance..I told him it was not a good time, maybe he could call tomorrow, -he says, I just need you to say ok and I'll run your credit and get some options, -I said, no I'm not going to say that, maybe you could call tomorrow. He never called back. I woke up at XXXX XXXX  on XX/XX/XXXX, checked my e mail, and saw a hard inquiry on my credit..I immediately new something was wrong. Later that morning I called him and asked why he ran an inquiry without my permission..he kept saying it was a misunderstanding, and he had goid options for me, I was very angry, he ran a inquiry on my without my permission, is refusing to fix it, says it doesn't hurt my score as much as I think, I have had many calls from people who received my " application " that I never ever ever put in or allowed. This man in this company has went behind my back and played with my personal information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have just finished my second XXXX XXXX XXXX and my income currently is from my XXXX as I am on a XXXX  which will end in XXXX. I am also XXXX XXXX XXXX XXXX to help pay the bills, though only make {$500.00} a month. My Navient loans were all accrued when I was an XXXX 10 years ago ( they were then Sallie Mae ). The more money I pay, the more money I've had to owe. It's sad to see that I've spent thousands of dollars to pay off a loan only to find the balance is higher! 

As I was getting my first XXXX  's, Navient told me I could not do an in-school deferment and that I had no option but to use up my forbearances ( which were used up due to being in school ). My loan payments were still too high for me after school so I've been on an interest only repayment which is about to end in XXXX. I've made all the payments on time and Navient is my highest loan bill -- even at interest only repayments. I have received emails since XXXX saying that my new payment would be in the next billing statement, which had never happened. When I called about this they said there's nothing I can do until that statement is generated and only then could they figure out what options I may have. At first I thought my new payment was almost the same as my interest only payment when I looked at the statement, but then realized the new payment amount still hasn't been generated and I'm struggling just to pay this interest! 

I recall years earlier when I had to use up my forbearances on XXXX XXXX and asked what my options would be if I got into a financial bind in the future but couldn't use the forbearance because they had to be used up in school. I just wanted to know what my options might be. They said there was nothing I could do but not to worry because I wouldn't go into default for 90 days -- as if that could somehow make things better? 

My student loan payments ( in total ) are more expensive than my rent and Navient 's is the highest that I have. I know they told me that if I do a lower payment it will have increased by {$20000.00} but I am in a bind because I'm just trying to afford ANY payment. I will never buy a house or have a family because this is so overwhelming and if I can barely afford to just survive, how could I afford that? These loans from Navient ( then Sallie Mae ) I took out as an XXXX at XXXX, thinking afterward a full-time job could help me make the payments, which has not been the case. It's sad to look at Navient 's website and feel relief at reading that my loans could be discharged due to death - to be so stressed out about paying student loans that death is a comforting option when you realize you're only living life to pay your loans and will have to work so many hours there's no time for anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. I am XXXX XXXX the following addresses are XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I made a XXXX  payment of {$420.00} with my Wells Fargo checking account on XX/XX/2018. I never received the product that I paid for despite multiple emails and calls. When I called Wells Fargo, I was told there was nothing that could be done ; they dont provide any protection for transactions via XXXX even if my bank account was used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
This is a second complaint. PennyMac has stated they denied my modification in prior CFPB response because I have not made 12 payments on the loan. This is not what their customer service rep stated and what their denial letter states. " We are unable to offer you a modification because you obtained your loan within the last 12 months. '' I was advised by origination date verbally on the phone and told to reapply in XXXX and both denial letters to do not reference having not made 12 payments.

Company response to consumer: Closed with explanation