vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: MI

Complaint narrative:
On XXXX XX/XX/2020 my direct express card was locked. Upon calling them i was informed my account is locked due to fraudulent charges and they could not give me any information as to why it was locked. Ive called back sat on hold everyday the last 6 days for 2-3 hrs for np one to have answers. There is nothing fraudulent on my account the right amount of money was deposited and they will not release my government money nor will direct express provide me with any information about my account nor the person/people Ive spoke to. Direct express employees refuse to provide me with any proof of who they are and why they are not allowing me to access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: VA

Complaint narrative:
I made a XXXX payment for XX/XX/2020 which is due the XXXX of the month. I made it on XX/XX/2020. Navient did not give me credit for it ... they said their other department had it..i have a private student loan the other loan department of navient has it . They withdrew it from my savings debit card and i can not get the money back or have it applied to my student loan. 
I called and they are looking at sending it back to bank in 3 or 4 weeks ; it has not been applied to anything they just have it. They want me to get a copy of my bank statement and send them so they can see i was the one that sent it instead of just putting it back into the bank so i can make the XXXX payment ... if i am late then more trouble as they charge more interest although they have the money sitting in their pockets This bunch is driving me crazy ; even when i make payments early to get the balance down they XXXX me and i end up paying late charges and still dont know if i will ever get back the XXXX they have in limbo of mine not applied to anything. this is my second letter to consumer financial protection, but these schemers have went on with too many lies to list here ... this is just the latest how can our government condone a company like this that takes advantage of college students!! 
disgruntled and nearing the end of my patience!! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I applied for assistance after my mortgage almost doubled causing me to fall behind. I hired an attorney to assist me in putting together an application for assistance. My attorney sent in my application on XX/XX/2020. After calling to see if they received it they are telling me I have to resend my bank statements and circle the rents I receive. I have already put check marks next to the amounts for rent. I applied previously and the same mortgage company kept saying they needed bank statements over and over after I had already sent them. It appears they are doing the same thing this time. Why would it matter if there is a check mark or a circle next to or around the amount I receive for rent is beyond me. In addition, my attorney called to discuss this with PHH and the person was rude on the phone and put my attorney on hold and left him on hold refusing to transfer him to an attorney. This company is purposely evading reviewing my application for assistance every time using bank statements as an excuse. According to my attorney this is a violation of RESPA Regulation X ( 1024.41 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have been struggling for 7 years to pay off my student loans with Discover Student Loans. Currently, I am at {$2000.00} a MONTH. I got out of a repayment option that bumped up my monthly payment. I have tried to consolidate with Discover and they have told me that I have exceeded the amount they can consolidate. Yes, the loan company that willingly gave me this at ages 18-22 ( this is predatory lending!!! ) will not consolidate their own loans. I have asked to go to court to renegotiate but they said I would need to get an attorney. All the attorneys I have spoken to have told me that I would need to default on my loans to go to court. I am not going to further ruin my already bad credit for a CHANCE to renegotiate my monthly payments. Discover will not work with me to lower my regular monthly payments. 

I do not want to default in order to sue. I want my monthly payments lowered or my pay off date extended. I am unable to survive like this. I don't know what other legal means I can turn to pay this. I feel like I'm being forced to do crime to pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Received a couple of calls from a Mr. XXXX allegedly to perform an audit for a client. Left a callback number XXXX. I called the number requesting more information. They advised me that it was on a debt on a XXXX XXXX XXXX truck which was repossessed in XXXX. 13 years past the statute of limitations in Florida! They threatened they would see me in court and hung up. I called back several times and they avoided my call. After a few phone calls someone picked up and I advise them that the statute of limitations has already passed and my attorney will be contacting them with a cease and desist order. They provided me with the company information and mailing address and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Residential Credit Opportunities Trust
State: GA

Complaint narrative:
In late XX/XX/XXXX I received a letter from XXXX XXXX, CEO, of Residential Credit Opportunities Trust V-E titled " Notification of Assignment, Sale or Transfer of Your Mortgage Loan ''. The letter was dated XX/XX/XXXX. 

I sent a notice of dispute and demand for validation to him at the address provided in late XX/XX/XXXX or early XX/XX/XXXX. In response, Mr. XXXX sent me the same document containing the same information. 

Neither of the documents contained a notice of my right to dispute, at no time have I received proof of the alleged debt from Residential Credit Opportunities Trust V-E, and Residential Credit Opportunities Trust V-E claims it has the right to modify the terms of the alleged debt in a notice of sale sent to me by XXXX XXXX XXXX. 

Residential Credit Opportunities Trust V-E has not replied to my second attempt to dispute and demand validation of the alleged debt and yet it continues to attempt to collect from me.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony bank calls constantly every day. 
Today 's record is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX They call every weekday and most Saturdays multiple times a day.

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 non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Complaint against : Resurgent Capital Services & LVNV Funding LLC Ref : XXXX On XX/XX/XXXX, Resurgent Capital Services/LVNV Funding LLC was contacted by certified mail, advising I have never heard of them & do not owe LVNV {$2700.00}. 

On XX/XX/XXXX, Resurgent/LVNV  contacted me again in reference to same debt & continues to harass me to pay LVNV {$2700.00}. I do not owe this! 

The 1/2 page " Account Summary Report '' prepared by Resurgent Capital dated XX/XX/XXXX is not from the original creditor, XXXX  XXXX, XXXX. & is not sufficient & is unacceptable. It does not prove the alleged debt is in my name. No Bill of Sale they are authorize to collect or own this debt? They are trying to collect a debt I do not owe. 

Also, in the Summary Account, Resurgent didn't include the address of the Current Owner, to whom they claim is LVNV Funding LLC or any recognizable account number? Where did they get my name. Is this a scam? 

Resurgent didn't provide full verification and documentation that there is a valid debt : receipt ( s ) or statement ( s ) in Acct Summary prepared by them, showing what this debt is for in the amount of {$2700.00} or who signed the written agreement with XXXX XXXX and/or LVNV Funding. 

Who is Resurgent/LVNV Funding? Do they have a collection license from the S

tate of Texas? Again, I dispute this debt and do not have any responsibility for the debt they are atte
mpting to collect.

I have requested they stop all communication with me and record that I dispute having any obligation for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.

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 2020-03-09 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: TX

Complaint narrative:
I disputed multiple accounts that started last XX/XX/2019. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX my card was charged XXXX and XX/XX/XXXX for XXXX by a company called XXXX which is now called XXXX XXXX XXXX for a ecommerce website to be built. Was told it would be completed by the end of XX/XX/XXXX. It is now XX/XX/XXXX, with no website and no refund. The company is ignoring my emails and calls. Bank of america says it falls outside their timeline to dispute. As of now XXXX has stolen this money from me and B of A will not take any recourse to help me.

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 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I have been charged overdraft fees by TCF Bank while my account was in the positive, and the bank refuses to reverse them. Furthermore, that overdraft fee has caused subsequent overdraft fees to happen which they also refuse to reverse. Of the over {$300.00} in bogus overdraft fees, they have only reversed {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: A/R CONCEPTS, INC.
State: IL

Complaint narrative:
A/R Concepts, Inc. has listed an amount owed to XXXX XXXX XXXX XXXX ( original creditor ) in the amount of {$160.00}. To date, I have been unaware of this outstanding debt nor that it was listed under collections on my credit report. A/R Concepts never provided me with a formal letter notifying me of my right to dispute such debt. This debt is not valid and I request it be immediately removed from my credit report. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I went on to experian.com to receive my free credit report. Once I got in and had given my personal information it said that in order to get your score you had to give your credit card information but then you could cancel within 7 days and not be charged any further fees. After I entered my information I started getting all sorts of emails trying to get me to pay more. I went in to cancel and there aren't any options to cancel. So I called in and in order to speak with a representative you have to enter your SS # and zip. Then when someone finally answered your call they ask for your name and date of birth. And the representative barely speaks english. It was just XXXX on my part to even sign up. I thought Experian was one of the 3 trusted credit reporting institutions. I'm now really worried about my personal information!

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 non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance. 



According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be  reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Social Security # 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 non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I had a 2nd mortgage with XXXX. They sold it to Shell Point Mortgage, I've been trying to get in touch with them to find out what is going on. They sent me a letter and somehow I lost it. I was told that I could make payments to them. I have not heard anything from them at all. I'm willing to work with them if I can get in touch with them. I'm not sure but I think they want to foreclose on my home. 
I would like another letter sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: LEXISNEXIS
State: AL

Complaint narrative:
Upon review of my LexisNexis credit report I found that they had two social security numbers which were not mine, an address I have never been associated with, wrong birth date, and a suffix to my last name ( XXXX  ) which I am not a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Main Street Personal Finance
State: OK

Complaint narrative:
I took out a Payday loan on Monday XX/XX/2020 at Approved Cash in XXXX, Oklahoma. XXXX  is the employee who did the loan. On Friday XX/XX/2020 I called in to Approved Cash. XXXX  answered the phone, I was upset because I tried to reloan after paying off a loan at another place, but they wouldnt let me because it would have been my 4th loan and the loan that I had at Approved cash made it my 5th loan. I didnt understand why it would have been my 5th loan because it was my 3rd loan. I didnt know how I was going to work it all out because I was expecting that loan. My loan for Approved Cash was due Monday, so I said Id figure it out and hung up. 
I was able to get a debt consolidation loan to pay of my loans. I got all my bills paid and was going to pay approved cash on my way home from work. I get a text that money is low in my account. I dont understand why. So I look andApproved Cash cashed my check early. Our agreement gives me until XXXX to pay it. They never gave me the chance to pay it Monday. The paperwork I signed said I have to till XXXX on Monday. I called them and XXXX  answered the phone. I asked why there was {$560.00} taken out of my account. I had till XXXX to pay it. She said because and stuttered. I said what she did was illegal and wrong. She said her boss XXXX told her to. I said why?? She said it was because of the conversation we had Friday. I said that is ridiculous and you cant take money out because you think someone isnt going to pay. I said I wanted XXXX her bosses phone number and she refuses to give it to me! Then she says shell have her call me. XXXX calls, and I tell her what she has authorized is horrible, and I want my money back. She finally says that they will replace it and then asks when Ill be in to pay my loan, and I say later in the day after work. I had to call the bank and ask them how many overages I have. I had to leave to talk to XXXX and XXXX too. Not only did I have to lose time and money with my job, I am going to be charged {$35.00} for each overdraft. They never apologized, they never offered to pay my penalties or time I had to leave my job to handle this. She wouldnt even give me her SUPERVISORS number until I asked her several times throughout the day. I asked her who regulates these loans? Who do I call to let them know what you did to me and my account? She REFUSED. This is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
I received a letter dated XX/XX/2020. That my request was received and all foreclosures and collections activity wil Will cease doing this 30 day Review, But my house was sold on XX/XX/2020 And then I was told that the letter was not sent out but I have a letter in hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation