vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: IN

Complaint narrative:
Perfomant Recovery  calls my work everyday after several coworkers and my boss told them they ca n't give out personal information or take personal calls at work. My supervisor has told them repeatedly not to call back. The number they 're calling from is  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 2017-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has my personal information incorrect, so I can not get a loan, a place to live, and I have lost a hard job offer because of this. I have submitted certified copies of bills, birth certificate, and social security cards to them, and they " lost them. '' I have been on the phone for hours with people who do n't speak  XXXX .     XXXX   just performed an investigation and removed  XXXX  of  XXXX  charge-offs from my account. My credit score dropped  XXXX  points over night, and again, no one at  XXXX  can speak  XXXX  or help me figure out how removing charge-offs causes a  XXXX  point drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
In XX/XX/XXXX 2017, I received a letter from US Bank Home Mortgage concerning the cancellation of PMI on my primary residence. The loan-to-ratio value on my property was 76 %. According to the letter I received, I was required to get an appraisal on my home. I finally ordered the appraisal at the end of XX/XX/XXXX 2017.  The appraiser ( chosen by US Bank ) subsequently appraised my home for well under the purchase price, adjusting my loan-to-value ratio to a mere 86 % and thus the PMI was not cancelled. However, according to the Homeowners Protection Act of 1998, under AUTOMATIC TERMINATION, I quote " A servicer must automatically terminate PMI for residential mortgage transactions on the earliest date that both 1 ) The principal balance of the mortgage is first scheduled to reach 78 percent ( my loan was at 76 % ) of the ORIGINAL VALUE of the secured property ( based solely on the initial amortization schedule, in the case of a fixed-rate loan regardless of outstanding balance ) and 2 ) The borrower is current on mortgage payments. ( Which I am. ) There is also a clause one paragraph dow in the Act that states : There is no provision in the automatic-termination section of the act, as there is in the borrower-requested PMI cancellation section, that protects the lender against DECLINES IN PROPERTY VALUE or subordinate liens. My PMI should have  automatically been terminated in XX/XX/XXXX when the LTV reached 76 % which is below the 78 % Federal Law requirement. I should have never even been required to get an appraisal.

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 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
LoanCare purchased our mortgage from  XXXX   XXXX . Apparently they did a customary Escrow review and determined it was too low so our payment was raised. We were not informed.  LoanCare has admitted over the phone they failed to inform us. Therefore, our payment was about {$60.00} per month short. LoanCare accepted the auto draft p ayment from our bank, while considering our  XXXX  and  XXXX  payments to be late. We were informed of this by letter dated  XXXX / XXXX /  XXXX  . When we received that letter, we immediately called LoanCare on  XXXX / XXXX /  XXXX  . Spoke to female agent who stated that account had been reviewed and LoanCare was aware that we hadnt received notification of an increased payment. Agent removed late fees from  XXXX  and  XXXX  since it wasnt our fault and we made a payment over the phone to bring account current in the amount of {$150.00}. Again, we asked if the mistake would impact our credit, was told no it wouldnt since it was an error on LoanCares end and no further action would be required. The  two payments are on our credit report which has prevented us from securing financing for purchase we need to make. Each time we call LoanCare, we are told this is being escalated.

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  signed reaffirmation agreement for mortgage ...  XXXX   XXXX .    XXXX  called  XXXX   XXXX  for another reaffirmation agreement. I received it in late  XXXX  and sent it back to them. They said it took long to receive and the debt was now discharged. My bankruptcy papers show where I am reaffirming my mortgage and my car. It 's listed on page  XXXX .    XXXX  asked Equifax to investigate and sent them proof of payments and BK information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ascension Point Recovery Services, LLC
State: VA

Complaint narrative:
I am concerned about identity theft by this company. Scam debt collection call regarding my recently deceased mother. My mother has never owed any debt and being from the   XXXX   XXXX   generation rarely used credit cards and paid for most expenses by cash.     In calling the number,  XXXX , it was found to be a company, AscensionPoint, and I found numerous complaints online about their scam practices especially in the cases of deceased family members.     Unfortunately,  AscensionPoint h as a website ascensionpoint.com,  XXXX , that makes it appear to be a legitimate company but obviously, it is a fraud/scam organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
Budget Control Svc  s (   XXXX    XXXX   ) has placed a derogatory collection on a working mother's- ( name withheld )  XXXX   XXXX  credit report in the amount of {$5100.00} for services they claim were rendered on her adult  XXXX   year old  daughter in  XXXX  of   XXXX  . (  4 1/5 years ago ) 1.  The working mother is not legally responsible for charges of her adult children. The work of inserting metal pins for implants can only be done on adults, not children.   2. She did not even take her daughter to that dentist nor did she fill out any paperwork.   3. The dentist  XXXX   XXXX  says performed the work no longer works there and says he was never paid by   XXXX   XXXX   for this work, currently lives in  XXXX  and knows nothing about this issue.    4.  The work in question was actually performed by a different  XXXX   XXXX  nearly 2 years later and we have a receipt.    5.  The Colorado statute of limitations has now passe d for Budget Control o r  XXXX   XXXX  to pursue legal remedies.    6. Budget Control  is now illegally harassing an innocent party with malice with no hope of resolving the matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I an out of town I 'm a   XXXX   no ATM deposit in  XXXX  current in  XXXX  same thing heading To  XXXX  and I had my daughter deposit trying to avoid bank fees now  Wells Fargo g ave me  XXXX  {$35.00} fees and they are telling me the bank will not allow them to credit my account I 'm a loyal customer too

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 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Closed account because company is taking advantage of me had a  XXXX  balance remaining but bank is showing  XXXX  Statement balance as of  XXXX / XXXX /  XXXX   {$1000.00} Transaction Date, Description, Category, Amount  XXXX / XXXX /  XXXX  , '' RETURNED PAYMENT FEE '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' PAYMENT REVERSAL '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ' ' CUSTMR ADV N OT AUTHORIZED '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '  XXXX   XXXX   XXXX   #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''   XXXX   XXXX   XXXX   '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  #  XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  #  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX   XXXX  '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX   XXXX  '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' INTEREST CHARGE-PURCHASES '', '' DEBIT '',  XXXX   XXXX / XXXX /  XXXX  , '' Payment Received '', '' CREDIT ''  XXXX   XXXX / XXXX /  XXXX  , ''  XXXX  '', '' DEBIT '',  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 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been dealing with Bank of America, only to be told lie after lie. First off, I had to have a packet notarized and sent back to them, it came without a prepaid envelope. I requested that one be sent to me for weeks.  One  never came so I paid for the return of the packet after I spoke to the account manager. He told me I would be reimbursed. Today he stated he does n't know if the packet ever got there. I stated I paid {$30.00} to return the packet. He now states he never said I would be reimbursed. He will look into it. It was sent 2 day delivery on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX .   I had a loan forbearance in  XXXX . I thought for some reason it was a modification. This was entirely my mistake. I made the forbearance payments in  XXXX  and  XXXX   XXXX .  XXXX   XXXX  when I tried to make a payment I was told I was in foreclosure so I was forbidden from making any payments, unless I paid the entire overdue amount. Today he said I was in foreclosure but asked if I wanted to make a payment?. I asked how that was possible if I was in foreclosure and he said I was n't. I hope they tape these conversations. He said I was taken out of foreclosure due to a new MA state law. He stated I could have been making payments all along. I talk to this man every week  ( me calling him )  and he never once told me that. All this time I could have been making payments but was never allowed because when I tried I was told I was in foreclosure. He also said to make a payment right away because the law could change any minute and I could go right back into foreclosure. I feel I am getting the run around on anything that has to do with Bank of America, from simple documents to being told I 'm in foreclosure to not being in foreclosure. But most of all not being allowed to make mortgage payments!!! When my forbearance was about to expire in   XXXX   XXXX   my account manager should have reached out to me to see what our next step was going to be for the continuation of the mortgage.

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 2017-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: MD

Complaint narrative:
ON    XXXX   XXXX   XXXX     I was called by  XXXX   XXXX   XXXX  and a representative spoke with me about refinancing. I told him that I had spoken with someone and I had to pay off some debt to bring my  credit score u p and he said you only need  XXXX  and I said ok. I was transferred to  XXXX   XXXX   XXXX  and explained the situation and he said no problem we can do something. I called this morning and he get to explaining that we had too much debt and my  credit score  was too low ; all what I told him in the begining. I also told him his representative dont know nothing and do not have the right to tell you anything. I said then why do he work for you. We went on and on and he said you have too much debt and could not help. I said I told you that in the beginning. I dont know if they get anything for seeing if the people do qualify and they dont. Can something be done about companies trying to say they can help after you explain the situation and dont help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NY

Complaint narrative:
In  XXXX   XXXX , I went to  a Third Party   XXXX   XXXX  for an upgrade on my  XXXX  phones.   The next day I cancelled my plan with this dealer and went to The  XXXX   XXXX  in  XXXX , NY.   What I discovered throughout the months of having my new service is that I was still paying for the lease in the first phone from the  Authorized  dealer. I brought this to  XXXX    XXXX   XXXX   XXXX   attention and they said they would look into it. It was a few months of getting no where with them. Finally, somebody from there resolutions Depart stepped in and credit my account.   Two weeks later the charge was back on my bill. I was so frustrated, I just cancelled my service in  XXXX   XXXX  and went with another carrier. I wrote to the collection agency and never received a response. I have ALL receipts and paper work from this transaction. Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Account closed who still showing a balance of {$2300.00}. I would like this account to show  XXXX  balance immediately on my credit 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 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
VARNISHING OF NEGATIVE REPORTS TO CREDIT COMPANIES ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I contacted Experian credit about closed credit accounts from account resolution services in  XXXX / XXXX / XXXX . The company continues to use deceptive practices in order to collect a debts in the amounts of  XXXX  account number  XXXX  which was closed since  XXXX , account  XXXX  amount  XXXX  closed account report dated  XXXX , account  XXXX  account closed  XXXX  amount  XXXX , Account  XXXX  Date  XXXX  amount  XXXX , Account  XXXX  Amount  XXXX   XXXX / XXXX / XXXX .     The accounts all report as closed due to the fact that there was  XXXX  insurance policies to pay the bills from the  XXXX  hospital due to the accidents which was not my fault due to the point i was the passenger in both vehicle crashes. This Derogatory information should Be deleted from my credit report.     The medical billing errors was caused by the hospital for not appropriate billing all three insurance policies. The medical billing errors have been addressed by congress in order to make all credit reporting agencies comply with federal laws of of debt collections due to medical billing errors caused by hospital thus making victims of innocent consumers who was not at fault or liable for vehicle crashes or accidents. The medical information on my account is slander by experian which is harming my financial future.

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 2017-05-09 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:
Student loan through  Navient was originated ( under   XXXX   XXXX   ) on   XXXX / XXXX / XXXX  in the aggregate amount of {$43000.00} with a fixed 6.5 % interest rate. I had financial issues early on and went through periods of forbearance, etc. which I understand would capitalize interest and increase the balance of the loan.     In roughly late  XXXX  I was past due, and contact ed (   XXXX   XXXX   )  the provider at the time. Spoke with a Rep, brought my account to date and was placed on a graduated payment plan which I was pleased with.     I have been paying {$300.00} per mon th (  {$290.00} due ) on time each month since that time. I have recently discovered that my balance is now over {$54000.00}. When I researched my account online I found that no monies were applied to my principal, all to interest, and late fees have been charged each month even though payments were not late. The last time I had payment applied to my principal was  XXXX / XXXX / XXXX .     I contacted Navient today and was told that my monthly interest is {$280.00} based on my principal, which has been increasing based on the lack of payment going toward it. The gentleman could not explain the late fees or why my entire $   XXXX    monthly payments were all going to interest rather than the {$280.00} only.     I have attached my entire account history and proof of monthly payment and due date as supporting documentation. I was never informed that my " payment plan '' would only cover interest. Today I was told that I would need to pay {$470.00} monthly to cover payment on the principal as well.     I would appreciate investigation into this matter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Fraudulent files being reported to credit bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
About 1 month ago,  Paypal  started to withhold 20 % of payments made to me and put them in an escrow account for 90 days. They said it was to protect them against refunds/returns. That 's a bunch of   XXXX   since I have never had a return with them in the over 12 years I 've had an account with them

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 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is an issue with Chase Bank and there rewards amazon visa. I had setup auto pay and somehow it misteriously got unset. Meaning my account was on auto debit per my last conversation with a chase rep in   XXXX   XXXX   XXXX  . It was setup so no payment would be missed. Dealing with  Chase  over the phone is painful and so time consuming to the point that it forces you not to want to deal with them. final resolution is repayment of any and all late fees and any derogatory remarks filed to any credit bureau 's. I have reset up automatic payment again as off   XXXX   I will take screen shots to prove it has been set up again and if it happens again in the future and payment is missed do to the auto pay option not functioning I will file with a court of law for unethical practices. Please note no auto pay has never been denied by my bank either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: DISCOVER BANK
State: FL

Complaint narrative:
The account was closed but the balance still show for an amount of {$1700.00}. this is an incorrect amount the balance should be  XXXX .

Company response to consumer: Closed with explanation