vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: PA

Complaint narrative:
Since my mortgages origination with  XXXX  I have never had an escrow account. The loan was transferred to  Statebridge Loan Servicing approximately 8 months ago. On multiple occasions Statebridge called the local tax office a month before the taxes were due ( paid quarterly in NJ ) and the local tax office confirmed that the taxes for the coming quarter were not paid yet so Statebridge took it upon themselves to disperse taxes even though they were not authorized to do so. I had a conversation with the escrow department and the local tax office ( conference call ) to rectify the issue and a person from Statebridge confirmed that it was indeed a mistake for the taxes to have been paid and the local tax office refunded the last quarterly installment since I had paid the tax bill prior to Statebridge 's payment being received. Statebridge assured me and the tax office that this would not happen again ( this conve rsation took place in  XXXX   2017 . Sure enough it happened again for the next quarter. I paid the taxes on  XXXX   XXXX  in cash at the tax office an d Statebridge also dispersed the next quarter taxes even though I paid them. I called Statebridge today (   XXXX / XXXX / 2017  ) and the person said I was wrong and that I do have an escrow account. This person said there was nothing she could do and would have to have the escrow department reach out to me and that would tak e 5 business days.  I understand that a mistake happens but this happened multiple occasions, I have to fight with them all them time and its a vicious circle and I am tired of dealing with these escrow issues that should not exist. I attached a screenshot that shows the escrow being dispersed in  XXXX  and then being refunded in  XXXX  and then again dispersed  XXXX   XXXX .     I also have another complaint to make about them. I paid my mortgage on  XXXX   XXXX , which was a Saturday and they said that because the last business day of the month was the  XXXX , Friday my mortgage was officially being reported late even though I paid the mortgage on the  XXXX , within the 30 day late mark. Is it allowed for a servicer to report a mortgage 30 days late even if the mortgage was paid prior to being 30 days late? I have screenshots that can document this payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Best Buy Visa card that was never activated. I received an statement in XX/XX/XXXX stating a transaction made online for {$2500.00}. I intermediately called the costumer service and they told me my account had abother transaction for almost 2900.00 and that I had overpass the credit card limit which was {$5500.00}. My account had a balance of XXXX They referred me to security Department and initiated an investigation. I filed a police report and faxed the affidavit form with some information. Today I received a letter saying that the information submitted was not enough and that I was responsible for the balance on the account and that the investigation was closed. I called the costumer service number again and they told me my balance now was for XXXX They told me they could not do anything for me and gave me this 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 explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had a credit  card with Capitol one that  I p aid off every two we eks to build my credit. On  XXXX   XXXX   XXXX  I went into the hospital to   XXXX   XXXX   XXXX  . I  XXXX   XXXX  times. I was  XXXX   XXXX  time. I   XXXX   XXXX   XXXX   and needed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and my family was told I was n't going to make it. Then I was airlifted to another hospital where I spent over a month getting   XXXX   XXXX   XXXX   XXXX    XXXX . After they came back and I was released it took months after being in the hospital to get as close to with it as I can. In  XXXX  of  XXXX  I paid my credit card off in full. They told me they had closed my account and I was unable to use my credit card anymore. I felt so discriminated against because of my health issues. I tried to work with them but they turned me away. I am currently filing f or SSI and have documentation to prove all stated in my letter here to you. I would like my credit card updated. Closed from consumer, and all delinquencies removed. I appreciate your time in this very important matter and hope to get a response soon. Thank you Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
ERC collections (  XXXX  ) has been calling me multiple times a day for months. If I answer it goes to an automated system that tells me to press numbers for making a payment, removing my number from the list, or speaking to a representative. Not once does it state what the debt is or who they are trying to contact.     For a while, I would select the option to remove my number from the list, but they would continue to call. I few times I decided to speak to a representative. Each time they would tell me that they do n't see my name or phone number   in their system. They would tell me they do n't know why I 'm getting called and would say they ca n't remove me from the list because I 'm not on one.
The calls continued. I got so frustrated by them that I changed my phone number yesterday. Today, less than 24 hours later, ERC managed to call me on my brand new number.
This has to be illegal. I 'm at my   wits end and I need these calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have settled my debt on a lower amount and although it has been legally handled with my lawyers it has still affected my  credit score, hara ssment at work, and daily life. Naive has pushed me to the darkest depth of  XXXX  and the continued issue of them incorrectly handling and not communicating account changes has been an issue for 3 years. The  XXXX  of this situation on someone beginning life has pushed me to the brink of ending it all. What type of life can you live with bad credit, and no way out of the  black  hole, and o ver 15k mo re in debt than any loan you received ... .that your mother applied for. This company ruins lives without any glimpse of caring. Bless the others who suffer from  XXXX  and are on the radar o f Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I received a copy of my credit report which showed a creditor,  Paramount Recovery Systems , a collection agency, in the amount of {$710.00}, reporting to all three major credit bureaus. I contacted the collection agency and requested that they validate the debt and provide me with proof of the debt. In response they provided me with an itemized medical bill showing medical procedures, diagnosis and summary charges. This is a violation of the HIPAA law as the collection agency should not have access to this information. I am happy to provide this information upon request.          Paramount Recovery Systems   XXXX   XXXX   XXXX   XXXX , TX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Husband w ent  to a Honda dealer ship on Saturday ,  XX/XX/XXXX  and wa s quoted an amount for the vehicle and monthly payments. The dealership allowed him to take the vehicle home, even though he had not signed all the paperwork with the  finance  department. When he went back to the dealership on Sunday,   XX/XX/XXXX , the was told th at there was some confusion with the offer he was given and that the agency was not quite sure how they had come up with the number. My husband was told to call back on Monday morning to have everything straightened out. Monday morning, the dealership is now quoting my husband payments that are {$140.00} more than what he was quoted  two days  prior.   My husband left the dealership on Saturday, after signing paperwork stating that he was committed to the deal and the rate ( among additional paperwork that he does not recall ) he was never provided with copies of what he signed. Nor was he provided any disclosures related to cost of the vehicle, charges e  tc.
On Monday,   XXXX   XXXX  , 2017 the dealership   called my husband to inform him of the new payment rate. At this time I asked what interest rate they used to calculate monthly payments and as told it was not really a rate but a formula and that the sales person did not know how it was calculated. The MSRP of the car was significantly different from what had initially been told to my husband. I feel that the dealership is practicing unfair, deceptive and abusive practices in efforts to entice consumers to purchase vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I obtained a corporate credit card from  American Expres s through my former employer. The credit card was mandatory requirement for my employment. During my tenure, I used the card on two occasions for personal purchases. Due to the work volume, I did not make the first scheduled payment and inquired a late fee  10x  the amount of the purchase which was less than {$20.00}. When I resigned the company did not close the account I am incurred a bill for almost {$300.00} for a purchase less than {$20.00}. The representative from their company advised that they do not report my account to any credit bureaus. However, I keep incurring ridiculous amounts for late fees. I only should be responsible for the amount of the purchase made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax and  XXXX  wo n't give credit report online, but experien did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
In XX/XX/XXXX we were approved for a loan from XXXX XXXX to further our son 's education. During this time XXXX XXXX changed into Navient. We have paid on our loan for 16 years, the loan was for {$39000.00}. Today we still owe {$25000.00} in principal. We wonder what happened to all the money we have paid in because we have paid {$33000.00} est. We are missing a full year in amortization from the Navient 's list of payments that was mailed to us. Along the way we were slapped with roughly a {$1000.00} in late fees. We are now retired and are concerned about this entire fiasco, and would like someone to help us with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I entered into a 24 month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  Note, that the contract did not asses s a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was receive d by  XXXX  on  XXXX / XXXX / XXXX  ( see attached   XXXX    statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges as sessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). T he vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with   XXXX   on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not y et received a " signed odometer statement from the dealership. '' Whether or not   XXXX   ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.

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 2017-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I entered into a  XXXX  month lease for a new  XXXX   XXXX   XXXX  with creditor  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent  XXXX  lease payments were paid in one lump sum, totaling {$2400.00}, and was received by  XXXX  on  XXXX / XXXX / XXXX  ( see attached  XXXX  statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges  assessed for ei ther Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). The vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX .  XXXX  fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because  XXXX  's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with  XXXX  on  XXXX / XXXX / XXXX  a  XXXX  representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not  XXXX  ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my  credit score  due to thier fraudulence.

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 2017-05-20 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: FL

Complaint narrative:
On XX/XX/XXXX I entered into a 24 month lease for a new XXXX XXXX XXXX with creditor XXXX XXXX XXXX XXXX XXXX ( XXXX ). Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent 23 lease payments were paid in one lump sum, totaling {$2400.00}, and was received by XXXX on XX/XX/XXXX ( see attached XXXX statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report ). The vehicle was returned to the dealership where it was purchased inXX/XX/XXXXXX/XX/XXXX. There was not a problem with this account until XX/XX/XXXX. XXXX fraudulently reported to the 3 major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because XXXX 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with XXXX on XX/XX/XXXX a XXXX representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not XXXX ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my credit score due to thier fraudulence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
It comes time to start paying my stu dent loans. Navient is handling  my student loans, and after mailing them a check they took the money, and did n't attribute it to my payments. Effectively stealing my money. The money disappeared  XXXX / XXXX / 17  Check #  XXXX   ( Converted ACH ) NAVIENT CHECKPAYMT {$140.00}. All I see when logging in is capitalized interest with " no payments '' ( trying to steal more money by means of interest it seems ). I t ried calling them on  XXXX / XXXX / 17 , and was told by a representative that I sent the check to the wrong office. I was also told they would send the check back to me. Even if they do send the check back, they have still taken the money. I have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
I have a unverified account from MIDWEST RECOVERY SYSTEMS #  XXXX . I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS #  XXXX . Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS #  XXXX  Provide verification of the follow ing : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS #  XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have been disputing this entry from   XXXX   XXXX   several times and the  XXXX  bureaus keeping saying that after their investigation they show thin information is correct

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 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc.
State: CA

Complaint narrative:
A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC
State: DE

Complaint narrative:
I filed  Chapter   XXXX  Bankruptcy in  XXXX    XXXX   on a home mortgage and the credit report reads a outstanding interest accrued amount instead of a status of discharged through chapter  XXXX  bankruptcy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation