vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
My wages were being garnished pursuant to Court Order for a debt on which a judgment was obtained. 

The amount that was authorized to be collected was {$2300.00}. 

They collected {$2400.00}, {$100.00} over the amount owed and authorized. 

The law firm of Pollack and Rosen is the debt collector. 

They sent me a check for {$45.00} for the overage collected. 

I made repeated attempts to contact the law firm about the balance of the overage. I was finally able to speak with someone at the firm and was told I would have to talk to my employer about the rest of the money. My employer told me to talk to the law firm as the money was sent to them. ( {$54.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I submitted payment for my California XXXX reneeal tags to a company out of XXXX XXXX to expedite their service in 1-2 days. I received immediate confirmstion by email of my payment. On to two weeks passed still no tags. Im drivinf around with no current tags for over 6 weeks now. Made numerous calls, emailed the company but never could get a hold of them. I went to the XXXX office to ask what to do. They advised me to have my credit card company file a claim because just with my receipt from that company they werent able to issue me my tags because they did not receive payment from that company. 
I reached oit to XXXX XXXX. This is where the real nightmare began. They filed a claim on my behalf but stated that i didnt authorize payment. Which was untrue. They just didnt listen. So after submitting my documents to them i was denied my claim and they sided with the merchant. I asked for copies of the documents to support their decision. Never received them. After calling 3 xs a day and being disconnected 2 out of 3 times unexpectedly with over an hr wait. XXXX agreex to open another claim for services not rendered. So they say. XXXX comes around and its 3 months now im taking the risk to drive to necessary places without my current tags. I had enough saved to pay cash to XXXX for tags I had already paid in XX/XX/XXXX but never received. I submitted my receipt to XXXX showing that the merchant they sided with never paid XXXX  and kept my $ XXXX. 
I still never got a response back from XXXX XXXX.i cant afford to pay twice for tags. I continue to call XXXX who says they will be sending out documentation that they received from the merchant that services were rendered. And to check my email. Nothing. XXXX has sent nothing to me because there is no evidence. This company straight out kept my money and XXXX XXXX did not investigate lime they should have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
I received a certified letter from Pennymac Loan Service informing me that my escrow account was short and that my payment would increase from XXXX a month to XXXX a month. The contract I signed indicated a payment of XXXX at a fixed rate. The only reason I bought a house is too ensure that I have a fixed payment so that I can budget for it. If Pennymac ca n't do proper accounting, then they should try another line of work. I have no intention of changing my monthly payment. They will need to make an adjustment on their end that does n't effect the monthly amount that I agreed to. How do we allow the same criminals that cost me a house in 2009 to open doors under a new name?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I had started a dispute with Equifax credit reporting agency, its been three weeks and my disputes are completed. I know this because I 'm getting notices from Equifax by email say this is my conformation numbers and my dispute are ready to view. SO I CLICK ON THERE SITE TYPE IN MY INFORMATION EQUIFAX REQUEST. and it say we do n't have your information correctly so I retype what there asking again and double check to make sure its correct and same thing happens. So I call there help line XXXX XXXX XXXX finally get a person they tell me to call the help line??? which is the same number as I called then I can barley understand them and very rude. I only have so many day to check my settled dispute before its removed. at this point I 'm sooo upset I 'm ready to bring them to court myself. Please help me get this resolved This company should be shut down for there handling of public private information plus the handling of there costumer relations is terrible. I will take this further if you cant help me. which I hope you can, Thank you for ready my complaint XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) failed to honor a reaffirmation on my auto loan following aXX/XX/XXXXbankruptcy filing ( dischargedXX/XX/XXXX). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects XXXX ofXX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting 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 2017-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen home equity loan. 
1. Error-riddled information. Every bill has different amounts, even phone calls they give different amounts. 
2. Illegally foreclosed on my home, no payments behind at the time. 
3. Failed to credit my payments : They refused to apply payments to my account in the past. Now they are showing my account as past due, even though I 'm on auto pay. Bank records show 12 payments made, they are showing only 11 payments. The also reported me to credit bureau for late payments. 
4. Escrow accounts : Ocwen added escrow account without my knowledge or permission. 
5. Ocwen failed to investigate and respond to my complaints : 6. When my loan was brand new they added a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Last month XXXX XXXX, 2017 I made a call to the Lender and made my payment on the phone and I still have this on my credit report. Is been almost a month and they have n't removed it from 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 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Calls over and over. Recieved 5 calls total over four day period. 1 on XX/XX/XXXX XXXX and 4 XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I have never signed anything with this Capstone Credit. This has to be a mistake. I do n't know this company nor do I know that amount. If you could help me I would truly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
i created an account with coinbase in 2014, ive been a customer for many years. Funds in my old account have not been transfered to the new one i have waited for weeks and still can not get a reply or response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Avid Acceptance, LLC
State: IN

Complaint narrative:
This complaint is from a prior complaint from XX/XX/XXXX on the same company. Later that afternoon I received an email from XXXX XXXX the account manager sending me a delinquent account notice That my account was past due and the payment was due on XX/XX/XXXX. Now if I am not mistaken, when I made my {$200.00} payment at the end of XX/XX/XXXX, that payment cleared on XX/XX/XXXX, that bought me to current according to customer service. I told them I would call in the make my next payment which would have been after XX/XX/XXXX. That is the payment they took out of my account without notice and after I stated do not take any more money out of my account, I had to contact them to make them put that money back because I already had that money in budget for someone else and I would make my payment by XX/XX/XXXX. They ended up giving my money back on XX/XX/XXXX. During my conversation on XX/XX/XXXX, I told them I do not want the auto pay and I will call in my payment. I called on XX/XX/XXXX to make my payment of {$190.00} and stated I will make another payment by the end of the month. Again on XX/XX/XXXX, they went into my account against my wishes creating over drafts that I am responsible for. That money was budgeted to put my car in the shop and I did not know what was going to be charged. My car note $ XXXX monthly and they got their money on XX/XX/XXXX and XX/XX/XXXX. Then that is when I get another email from XXXX XXXX XXXX saying " Just reminding you that your car payment was due on XX/XX/XXXX. You can pay online, or feel free to call into the office at XXXX with your payment information and we would be happy to get it submitted for you. I was advised in the past that they do not keep your payment information in the system once the payment has been rejected then they have to put the information in the system again and basically verify. I use to get notifications that the payments were coming out but now I do not get anything up until now.

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 2017-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I had a checking account at HSBC that I funded in the XXXX 's. My branch is located in XXXX XXXX, Florida. A few years back HSBC decided to close my account. Upon closing they gave me a check in the amount of over {$100000.00} for the balance in my name. The issue is that they would not wire the money to my foreign account, as I am a foreigner, and when they cancelled my account it made it so that other banks in XXXX will not open an account for me. Therefore HSBC has been holding on to my money for years and refuses even after being contacted by my attorney to wire my funds to me. HSBC can not dictate how I receive my funds, and if they are allowed to only give me a check I may never receive these funds. I have not only lost these funds but the interest and growth from its use so I am substantially damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
the whole loan is the problem, i have been paying on this loan for 11yrs for a {$4000.00} loan, was in forbearance one time for about 3 months.i have contacted them and can get nowhere with this, i do n't know where else to go with this. but between all the disbursement fees, loan fees, late fees ect ... i still owe {$4300.00} how is this even possible! i even show late fees on here before money was even disbursed??? and i have no way to track these fees. also this money was suppose to go toward my school supplies and because my FASFA did not come in on time they put this money towards school fee 's, which resulted in my having to quit because i could n't get my supplies. they told me that they could disburse the money how ever they seen fit. so i only attended for one quarter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I have not apply with this companies : 1. XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX Date : XX/XX/XXXX 2.XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 5.XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX 6. XXXX Inquiry from XX/XX/XXXX - Misc. 
This inquiry could stay on your report untilXX/XX/XXXX. 

Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 7.XXXX Inquiry from XX/XX/XXXX - Bank This inquiry could stay on your report untilXX/XX/XXXX. 

Institution Information XXXX XXXX, OH XXXX ( XXXX ) 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 2017-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased a flight in XX/XX/XXXX that was delayed over 3 hours. My XXXX XXXX card comes with a 3 hour flight delay protection, where Citi will pay for any reasonable expenses during the delay. I submitted a claim following their procedure, which consisted of meals and taxi rides. I was reimbursed for the taxi rides, but not the meals. I inquired about this, received no response, then inquired again, saying if I did not hear back in a week I would complain to the CFPB. I have still heard nothing back.

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 2017-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Credit Acceptance Corporation ( XXXX ) failed to honor a reaffirmation on my auto loan following a XXXX bankruptcy filing ( dischargedXX/XX/XXXX ). I continued to pay {$310.00} to XXXX via automatic payments from my checking account without interruption. I later found XXXX had closed my account, and had not been reporting my timely payments to the Bureaus ( XXXX ). Between the time of the bankruptcy filing and my finding XXXX had not been counting and/or reporting my payments, I had paid them at total of {$1800.00}. Their report to the Credit Bureau reflects DFD/DLA of XX/XX/XXXX. I had absolutely NO default at this point, and had continued to make timely payments through XX/XX/XXXX. Following the discovery, I contacted XXXX and voluntarily surrendered the vehicle ; however, they are reporting it as an involuntary repossession. XXXX is now attempting to litigate against me in Civil claims court for the vehicle despite their having closed my account and kept my payments without reporting 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 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
They call almost daily right after XXXX and other times, and leave robo recorded messages. I have called the number left in the recording and told the agent that they have the wrong number. We have only had this number for a couple of months. The agent assured me they would take our number off the list, but Convergent robocaller keeps calling.

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 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On today I spoke with XXXX who said he was a special handling supervisor for Experian. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between Experian and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.

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 2017-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo will not speak to me about the options open to me to modify or save my FHA mortgaged home. They tell me to have my lawyer contact their lawyer. I explain that I do not have a lawyer and can not afford to pay a lawyer. They then tell me to contact the lawyer : XXXX XXXX XXXX. I try to call them and can only reach a voice message that tells me to leave my name and contact information. I have done that several times but no one calls me back.

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 2017-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
Charles Schwab refuses to process my bank account opening request. I do believe I am being discriminated due to my national origin and I would like this issue properly addressed.

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 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from XXXX without my knowledge. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Regarding previous complaint XXXX. A settlement letter was attached to the complaint yet once again I try to contact Santander Consumer USA and they had no knowledge of the settlement so I had to fax them over a copy of the settlement. The settlement letter was for a one-time payment {$6000.00} by the XX/XX/XXXXI had called an email Santander Consumer USA supervisor regarding this and have fax over a letter requesting more time from the legal department of Santana Consumer USA, i have yet received a response back yet I need more time due to the bank will hold a check that 's being deposited the end of this month into my account also being that the damage had came up due to the latest hurricane IRMA. I am unable to uphold the {$6000.00} one time payment settlement at this time. Due to damages and me not having a car due to the car being a total loss I would still like to try to settle this amount but in the monthly payment. And being that I have been paying monthly on the vehicle that I no longer own I am requesting the settlement amount can be lowered from XXXX being that I have been making monthly payments and my total amount that 's due on the loan as of now has decreased. I would like to be contacted from the legal department directly so this matter can be resolved

Company response to consumer: Closed with non-monetary relief