vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION
State: CA

Complaint narrative:
We are attempting to refinance our mortgage loan with XXXX XXXX XXXX XXXX. The credit union is not able to make contact with Fist Mortgage for pay off information. I have attempted to make make contact with First Mortgage by phone and e-mail and have not been successful. When attempting to make contact by phone, mail box is full. I sent them an e-mail and have not received a response. I also attempted to login into my account with First Mortgage on the internet and was not successful. After doing a XXXX search I was able to obtain information that their mortgage loans have been sold to XXXX XXXX and to XXXX. I contacted both of these financial institutions by phone and was advised that they do not have our loan. XXXX XXXX did indicate that First Mortgage did not sell all of their mortgage loans. We have received no written notification that our loan was sold and to who it was sold to.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recover, LLC
State: GA

Complaint narrative:
Rent Recover, LLC has attempted to collect a debt that has not been validated and is not mine. Rent Recover, LLC calls multiple times harassing and threatening me for a debt collection that is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
On XXXX 2017, I received a collection letter from Credit Collection Services, XXXX, MA XXXX. I was perplexed by the collection notice as I have and have had insurance through the XXXX for almost 10 years. Immediately, I disputed file number XXXX. I explained that I continue to have the same insurance with The XXXX and only changed my last name from XXXX to XXXX. The debt for {$110.00} is not valid. Instead of investigating, the company posted this illegal debt on my credit report. Under the FCRA, a debt may be disputed within 30 days of receipt. Until the dispute is settled, the debt collector can not place the debt on the consumer 's credit. I am still disputing the validity of the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
One year ago I applied a capital one XXXX, which has one-year membership fee waived. This year I decided to switch it to a non-membership fee card. I called after they already generated the statement with new year 's membership fee. They would switch my card ; however, they do n't grant prorated fee about the membership fee, which I feel it 's unfair. As far as I know, other cards such XXXX doed prorated fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
i recently saw an entry on my credit report from a company named CCS collections stating that I owed {$150.00} ( XXXX ) and {$250.00} ( XXXX ) from an insurance policy by XXXX XXXX from XXXX XXXX. The issue that I am having with this situation is I 've never been contacted from XXXX or CCS Collections regarding this matter. I was even given another policy with XXXX in XXXX without a mention of this " debt ''. The policy that I had in XXXX ended with a XXXX balance. Throughout the life of this policy, XXXX never mentioned any past due balances.I talked to a XXXX, an online CSR from XXXX indeed informed me that I had a debt of {$150.00} and that they tried to contact me, but because it was past two years, they purged their records and they have no records of this debt. I 'm pretty confident that XXXX never contacted me, but all correspondence with them was online. It is also an issue that CCS reported two different balances to XXXX and XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I have been paying my bills down and on time and some of my loans off but yet my score decreased by XXXX points for no reason. Nothing changed with the exception of paying one loan off and another loan way down. This seemed odd to me and I do n't understand why my score went down for paying off my debt as instructed by usaa.com'a credit monitoring service. Please assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Worldwide Recovery LLC
State: CA

Complaint narrative:
They leave me message 's concerning my primary residence, which is not true, they also state they are suing me, which i have never received anything in the mail. they also left a message stating i cant communicate properly, and if I have attorney have him call because he probably can.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Hi, I signed up for this account under a promotional offer where if I spent {$140.00} on electronics purchases I would receive a {$75.00} Gift Card to Walmart. I have called them over a dozen times and they have each time verify that I should have received it already and have told me I would receive it soon, just be patient. But it 's been over 4 months now and I still have not received my sign up bonus of the {$75.00} Gift Card. 

My first order and the qualifying order number : 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 monetary relief
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: AE

Complaint narrative:
I am XXXX XXXX military I was given a Barclaycard gold master card under the condition of 0 % APR and annual fee waiver. Recently they have told me they are going to no longer honor this condition. I asked Barclaycard if I would continued to receive this benefit in XXXX when they removed the annual fee waiver for new applicants, and they said I would. I have the concersafion with Barclaycard saying I would continue to receive these benefits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Ad Astra Recovery Services Inc
State: UT

Complaint narrative:
I have been in a XXXX XXXX since XXXX 2015, all of my creditors except one has updated my information on my credit report. Ad Astra Recovery refuses to update the information with XXXX and I have spoken to them several times. I have tried to submit proof to them of my XXXX but they refuse to let me speak to someone who will correct the information. Page 17 of the document I uploaded clearly shows Ad Astra Recovery as a creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Thrive National Corporation
State: GA

Complaint narrative:
The company National Fitness has a gym account for " XXXX '' on my credit report and it is not my account. The company National Fitness has gone out of business and representatives from the Fitness company say that I just need to contest the matter as they agree the account should not be on my report.

Company response to consumer: Untimely response
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Actually all of the above selections cover the actions of the emails that I have received from a company called ACS inc. I requested l of the documents pertaining to the loan that they say I owed. I also requested the address of their company or the address of the Parent company. I have warned them that by law, it is within my rights to request these documents. They have refused. They have threatened to have me arrested. I explained to them that threats would not go far with me. I have agreed to pay a certain amount each week if the documentation has my signature electronic of written and I can verify that it is a debt that is mine. I have given them no personal information, bank info or credit card info.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : Experian XXXX, TX XXXX XXXX XXXX, GA XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL 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 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I deferred my payments for the last 2 years but have been regularly making my payments for the last 5 months. The payments keep steadily increasing every month, from {$130.00}, to {$230.00}, to now {$460.00}. Every payment made has gone directly to interest, and the total amount owed, the balance of the loan, continues to increase every month. So with my payments the debt is increasing and never goes down. I owe {$35000.00} at between 4.5 % and 6.8 %. I owe about the same on my car at a higher interest rate with the same monthly payment, and with every payment made I see the total amount owed decrease. I do not understand why my payments are increasing & my total debt owed is increasing. At this rate I will always be making payments and the debt will never be settled. I am very frustrated as at the same time I am not able to pull my monthly statements and track what has been going on. When I previewed the transactions last night, which is when I noticed how my payments were being applied and that my debt was continually increasing even with payment, I noticed that the last several payments were labeled unspecified. My loans are through Navient. I need to eliminate this debt and need a clear path to making this happen. I really would appreciate any assistance as I do not trust Navient and feel that I am being defrauded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Martin & Seibert, L.C.
State: WV

Complaint narrative:
I was sued in XXXX court for a debt XXXX XX/XX/XXXX. The original debt was from XX/XX/XXXX. I appeared, the judge ruled against me, and they attempted to garnish my wages. I have filed an exemption which has prohibited them from successfully garnishing these wages every year every pay period since. They have renewed this debt yearly, in court, without my knowledge or notification of each new hearing. So I have never been present since the initial XX/XX/XXXX hearing. The debt now exceeds XXXX! They have frozen my joint account, and again I was not notified of this intent. I have learned there is a 10 year SOL in West Virginia on collection of a debt like this which would have expired XX/XX/XXXX. 2 years ago! How can the court have judged against me? How can Martin & Seibert in XXXX WV continue these shady collection practices, and through the court???

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is 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 2015-06-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
My original complaint regarding dead air calls Case Number XXXX went unanswered by XXXX Associates. I am filling a new complaint as I am again receiving repeated dead air calls. 
XXXX Associates XXXX XXXX XXXX XXXX, FL XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX Associates were required by the FDCPA to cease collections. I am again receiving harassing illegal dead air calls from their phone number XXXX to my cell XXXX. 
Just a few of the recent calls : XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: WA

Complaint narrative:
I had XXXX private student loans serviced through American Education Services ( AES ). In XX/XX/2016, AES sold XXXX of those loans to XXXX, and I now pay them through XXXX. The problem is that this sale doubled my monthly payment on these XXXX loans : I used to pay just {$50.00} a month to AES ; now I have to pay {$50.00} a month to both AES and XXXX. This may not sound like a big deal, but I have XXXX other, larger student loan payments every month as well, so this new payment is creating a financial hardship. It seems highly unfair that my monthly payment can be doubled due to the internal business workings of my loan provider, and not any action I 've taken or could have taken. Is there anything I can do about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: REPUBLIC MORTGAGE HOME LOANS, LLC
State: FL

Complaint narrative:
I was working with Republic Bank for a refinance loan. I submitted all paperwork on time. The lender was delayed in processing the paperwork and my lock rate period ended. Now this lender wants me to pay for the expenses of extending the rate lock. 
I have already given them {$390.00} to start the process. I will lose this money too because I am not going to sign up for loan.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On or about XX/XX/2017, I signed up for autopay on my Citi double cash card. The payment did not go through, and I received a late payment charge, which was automatically credited back to my account without my requesting. I subsequently re-enrolled in autopay on or about XX/XX/2017 since the previous registration apparently did not work. 

When I called on XX/XX/2017 and spoke to an employee who would only identify herself as " XXXX, '' she told me that there were no finance charges applied to my account. However, my statement showed a charge of {$22.00} on XX/XX/2017, and when I pointed this out, " XXXX '' acknowledged her earlier false statement without explanation. " XXXX '' refused to reverse the finance charges.

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 monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have made numerous calls to Navient about lowering my monthly payment. I was told I could not lower my payment to less than {$90.00} because I make too much money. I agreed to pay {$90.00} under a income sensitive program. I turned in all paperwork to navient to enter the payment program. I then receive a letter in the mail saying my new monthly payment is {$100.00}. I did not agree to this. I was also told that my first payment of {$90.00} was due on XX/XX/XXXX. When I log on to the website it says my payment is {$210.00} and I owe {$98.00} in late fees?? I was totally lied to. 
My account was also put into forbearance which I did not ask for. The payments I missed during the forbearance are now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: KY

Complaint narrative:
In XX/XX/XXXX I bought a XX/XX/XXXX XXXX the finance company was Westlake Financial Services out of California. I ended up in Bankruptcy before the car was paid for. They repossessed the car in XX/XX/XXXX. Around XX/XX/XXXX-XX/XX/XXXX there was a Judgement placed against me for the remaining balance of {$3200.00} ( roughly ) The lawyer Westlake used was XXXX. They garnished my bank account, then later they began garnishing my paycheck. This was all fine as I know I owed the money. However now after the bill has been paid the original creditor Westlake Financial Services has sent me a letter stating that the payment had not been received on the Judgement.

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 2017-03-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In error a payment was sent by online banking to Citibank Diamond Preferred Credit card with a balance of {$0.00}. Company processed the payment despite XXXX balance. Upon identifying the error company was contacted to request funds be returned. Company refused to return funds in time period less than 6 weeks. Numerous calls to customer services with no method to escalate complaints within their system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My bloomingdales closed my account after I mad the payment and the account was still open, and now there saying that I have balance thats due. This is not correct because I made full payment and brought the account to a zero balance. I have spoken with them and they still arent trying to assist me but instead keep refering me to the collections agency thats now handling the bill, my account should not be in collection agency status because it shouldnt have a balance due ... ..

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 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: On-Site Manager, Inc.
State: AZ

Complaint narrative:
On-Site.com denied me from renting an apartment with XXXX . After reviewing their report the account for XXXX is inaccurate and I 've disputed this account with them to no avail. The account is n't showing on my credit report only my rental report. This is a fradulent account and needs to be removed. I request full validation of this alleged debt, as allowed by the Fair Debt Collection Practices Act. This company denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company is reaging on old debt and making false and illegal statements on my credit report. 

1. Inserted false age as last day of usage on credit report 2. Reporting late payments on current credit report for an account last used any activity in XX/XX/XXXX 3. Has reported late payments for entire year of XX/XX/XXXX on an account that last payment was in XX/XX/XXXX 4. Reported false payments made on account 5. This company never provided legal proof off usage off the account for the the years of XX/XX/XXXX or XX/XX/XXXX ( but is reporting usage ) 6. They state that they will report until XX/XX/XXXX, and account was due to stop reporting XX/XX/XXXX 7. Reporting this false info on XXXX accounts ( original Leander and buyer )

Company response to consumer: Closed with explanation