vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have had my Wells Fargo dealer services account for over four years and have never been late on a payment. Around XX/XX/XXXX I left the country for a while ( job related ) and prior to leaving payed my monthly bill as well as set up an auto payment system with my account, seeing that I would have little access to the internet or phone. When I returned in XX/XX/XXXXI was immediately bombarded with calls from Wells Fargo dealer services stating that my account had entered a 90 Day derogatory status. I spoke to multiple people online letting them know that I had set up an auto payment system, and was basically told they had no record of me asking to do that and tough luck. I tried to hold out and contact someone to help prove that I had asked for this but my credit score became negatively effected as well as Wells Fargo having collection agents call my phone every half hour asking for me to pay the month that I missed while I was gone. I would like to know that if there is no record of me setting up an auto payment system, how did the other months that I was gone get paid out, but one was missing. In the end I ended up paying near {$500.00} dollars ( as opposed to the {$210.00} I usually pay ) and my credit score took a massive hit in order to get the account back active.

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 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: NJ

Complaint narrative:
Contacted by Debt Collector, Franklin Collections Services , Inc. ( FCS ) in regards to repayment. I spoke to a Representative & agreed to pay {$50.00} per month through auto withdraw from my checking account. Instead of taking {$50.00} as agreed, they took an additional {$15.00} with each payment, which was not disclosed at time of making the repayment agreement. FCS did 3 transactions over a 3 month period after my Bank Institution stopped all payments. FCS was notified by telephone as well as Email to stop all withdraws as well as provide recorded conversations explaining that I was notified of additional fees & so far, FCS, has failed to do so & withdrew on my account. After payments were reversed 3 months later, FCS charged me a fee for reversing payment which again I was not notified of & FCS was notified to again, stop. I have made several calls to rectify this & told I would be called back by a Supervisor that never came about. Additionally this Debt Collector is not licensed in the State of New Jersey, which I reside in. 
Dates of Withdraw XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00} XX/XX/XXXX {$50.00} + {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: CA

Complaint narrative:
Threaten to keep making negative impact on my credit until I pay. I informed it wasnt my debt indenity was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Informed identity was compromised and to remove debt and was told no! Keep getting calls even changed number. Debt keeps being sold to collections agencys. Account is over 5yrs old. Making my credit be poor even though I have outstanding credit worthiness for a few years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Car insurance was added and since then was sold and insurance company didnt cancel after it was informed of the sale.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018, credit manager at XXXX XXXX ran hard credit check without permission, and assured that credit runs were not " hard runs. '' I pulled my own credit report to verify, and it showed unauthorized hard runs. 

Vehicle Deal Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2018, credit manager at XXXX XXXX ran hard credit check without permission, and assured that credit runs were not " hard runs. '' I pulled my own credit report to verify, and it showed unauthorized hard runs. 

Vehicle Deal Number 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 2018-03-30 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
THESE COMPANY ONE MAIN HAVE PULL MY REPORT THREE TIME AND I LOST 21 POINT WITH OUT MY AUTHORIZE AND DID NOT APPLY WITH THEM, you can not give some one information with out there consent or authorize that is a serious violation of privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: DISCOVER BANK
State: MA

Complaint narrative:
In the beginning ofXX/XX/XXXX I Purchased a cell phone from XXXX by buyer name XXXX XXXX I took over a week for me to get this item yes actually we sell the item out. And it took me over a month to try to get it activated and it was not possible, I went to XXXX store several times and called customer service several times as well as the manufacture of the phone which is algae. The manufacture told me it wasnt possible to activate the phone because it was an event in this cut from this country. I contacted XXXX but it was past the 30 days so they couldnt do anything so I called XXXX  for a refund the seller was giving him and me a hard time as two he wouldnt respond to me and stop replying back to XXXX. Before he stop replying to XXXX he told them to us that he wants the phone back and then I will get my refund I told him if he pays the shipping which he did not want to do. From then XXXX  told me to call Discover card which is my card that I paid the transaction. On XX/XX/XXXX a dispute was made and they refunded me the money back temporarily then In XX/XX/XXXXthey told me that they didnt get the item I had to send the item out when XXXX had told me I could keep it prior to that. So from there I had to go to the post office in XX/XX/XXXX so I cant send the item out answers and I also sent out proof with pictures with a picture of the package in the postal package and also the receipt of postal with the tracking number. In XX/XX/XXXX or XX/XX/XXXX I received a notification that the amount owed to me was reversed When I had already uploaded all documentation. They reopened the dispute reimbursed me the credit again and then now today on XX/XX/XXXX I received an email saying that the dispute was closed for the second or third time and that the seller is saying that theyre still saying that they did not get the item when I uploaded proof that I sent out the item to the post office and I also sent out the post office receipt with the trackingNow discovered never informed me that I needed to go to the post office to pick up a form stating that this item was delivered all of these months later they telling me this now. When all of this started I told him in the beginning that the seller would do this I told him that the seller would try to keep my money and also keep the item which is the cell phone and hes getting away with it this is an OK hes not going to keep my money in Discover is not doing anything further

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OK

Complaint narrative:
I opened a student loan ( with my father as the co-signer ) on XX/XX/XXXX for a Disbursement of + {$3100.00} to attend College. A year later, while still attending school, I needed more money for books so on XX/XX/XXXX the same loaner loaned me a Disbursement of + {$2700.00}.

For the last 12 years, I have been paying on this loan never missing a payment. At least 3-5 times my loan has been sold to other companies, without my knowledge and/or approval. In addition once my loan was sold to other lenders, the other lenders hit me with higher interest rates that I never agreed to or had knowledge about. I continued to pay my student loan every month.

My records show on these dates below, throughout my loan, interest was capitalized on these days :XX/XX/XXXX

I have made monthly payments on this loan every month since XX/XX/XXXX, my student loan bill always has a different amount due. I have went from a $ XXXX/month payment in XX/XX/XXXX to a $ XXXX/month payment this year in XX/XX/XXXX. I have kept records of all my payments made.

According to my lender my current balance due to pay off this account *today* is {$5900.00}, although I have paid for the loan 12 years never missing a payment, and 12 years ago only borrowed a total of {$5800.00}. With that balance left I would be again paying them for a third time entirely for what I borrowed! My records indicate that due to the longevity that I have paid on this loan, I have now paid off this student loan entirely twice with interest! I feel the agreement set forth by the original lender was never met, due to my loan being transferred/sold, due to interest rates being changed without my knowledge. I feel the terms set forth on this loan are & have been unfair. In addition, because my father co-signed for me while I was a young student & I make all the payments myself for the last 12 years, I would like my cosigner to be released from any financial responsibility & obligation on this loan.

When I tried to resolve these inconstancies with the lender yesterday to close my account, I immediately got some link sent to my email for an interest rate reduction. I was also told I can forward a letter to the sender with a request to settle amount. However, I do not desire an interest reduction ( after 12 years this is the first time they offered ) nor do I feel a settlement amount is fair for I've paid them twice & they are billing me now a third time. This lender currently shows my balance after 12 years of payments very close to what I originally borrowed. I feel I have paid this lender in full already as my amount totals in payments to twice that of what I borrowed. I feel that the lender/s are being unfair on this private student loan & would like some professional assistance in reviewing. Thank you very much. I have copies of all my payments & statements I am attaching to this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: TX

Complaint narrative:
A collection appeared on my account from XXXX hospital in XX/XX/XXXX, at that time I provided accurate insurance information and the debt was paid in full. 2 years later, inXX/XX/XXXX the same debt appeared as Grant & Weber, I disputed the charge with proof from XXXX that the debt was paid by insurance and paid in full and the collection was removed. This year,XX/XX/XXXX, the same collection has re-appeared. I was not notified in writing or any form that this collection would be reappearing on my credit report. I have since disputed again however the only proof I had after 4 years of moving 4 times was that the same collection was removed in XX/XX/XXXX. I am afraid of this continually reappearing on my credit report. I have tried to contact XXXX hospital directly but they are nolonger in business. The collector ( Grant & Weber ) says they can not remove unless XXXX  contacts them to remove. It's a never ending circle. You are my last hope to permanently remove this 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 2018-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen loan servicing is my Collection co. In XX/XX/2017 i get a Eligibility Request form for either XXXX XXXX XXXX  or XXXX XXXX XXXX Get a check for over 1,1oo . I am one of many in NY State who got this. Because I submitted a complaint to the NY ST Attorney General 's office. Ocwen says not elligible for no more . Fund started at XXXX XXXX. Then I'm on a list real guick an see its up to 2.1 billion. Already been contacted by XXXX XXXX. No one is going to take my mtg with my current fixed rate of 2 % except I have a balloon payment on. Our last correspondence to Ocwen until I accepted verbally over the Phone was nearly 17 months. Why so long for the offer I took. I was close in doing a reverse MTg. Was told they don't do XXXX XXXX. the numbers were around 225k. 17 months later Principle is now over 280. I send in a hand written letter accepting. 2 checks etc. Talking to someone with a deep accent ( XXXX ) i can't understand everything being said. I just listen an agree. Should have talked to someone who spoke better English. They deposit all checks etc. I get the paper work in the mail to sign an see a balloon payment to sign. Then I knew what I was told over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: TX

Complaint narrative:
Perfection Collections has placed an account on my credit report. I have never heard of this company, never received any type of notice giving me 30 days to dispute the information before it was placed on my credit report. This company is a debt buyer that has bought a charged off account, and I have no legal obligation to pay them anything, I have no contract with this company, and do not owe the original creditor anything. I have asked for validation showing that I am legally bound to this company for the alleged debt, and they have not sent anything as requested via certified letter that was mailed to this company. I am demanding that this account be deleted from my credit reports. This is a clear violation of my rights under FCRA, and I am obtaining legal representation. I am in the process of buying a home, already obtained pre-approval for a loan, and now that this account has been placed on my credit report, we will have difficulty obtaining final approval, and we already have money invested, so I will be filing a lawsuit, if this account isnt removed from my credit reports, seeking damages for the money I will be losing because of this account being placed on my credit report, preventing me from now getting the mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
In reference of XXXX  On XX/XX/XXXX, my mortgage was was paid in full, as of XX/XX/XXXX, I have not received the leftover money, I have proof ( USPS Informed delivery screenshots ) THAT I HAVE NOT RECIEVED the money that Penny Mac representative told they mailed.

He or she also stated that " My research found that PennyMac complied with all State and Federal laws and regulations in the servicing of your loan. Therefore, we must respectfully decline your request for compensation '', well she forgot to mention the property lien that regulated in the State or Federal law.

So I want to remind them one more time about keeping a lien on my property pass the State prescribed time.

According to Kentucky Statue - KRS 382.365 " Release of lien, with notice to property owner, within thirty days of satisfaction '' I should have received a notice of lien removal within 30 days of paying of. On XX/XX/XXXX I personally went to XXXX  County Clerks office in XXXX KY and confirmed that there were nothing filled to remove the lien. The same day I paid XXXX  dollars to sent a demand letter to get my money and release of the lien. PennyMac have received the letter on Monday,XX/XX/XXXX.

The only thing the Penny Mac representative was care about is to make response on time with CFPB, The only deadline they met on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete this fraudulent inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired onXX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This company sends a statement with billing info included once a month on the XXXX via email. That is their only correspondence with the consumer. My bill is due the XXXX of every month, and I did not pay until the XXXX because I was not notified of my payment being late. When I spoke to a customer representative she told me that they only communicate via the statement sent every month, but they do not communicate via phone or email after the due date has passed. The only time they communicate in those methods is when you are approaching the 30 days past due time frame to be reported to a credit bureau. This lapse in communication does not keep consumers reminded of their payments. Not to mention the statement she is referring to that is sent monthly on the XXXX is sent after the bill is paid the XXXX. So how can someone be notified if a payment is late by statement via email if the statement is sent out after the due date of the bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
Good morning, We're writing to you, in the hopes that you will assist us with our negotiations, with US Bank. My nephew and I have owned our home for just over 4 years now and, last year, I was placed on XXXX XXXX and my nephew lost his job. 

Unfortunately, we fell behind on our payments and, although our hardship has been resolved, US Bank has been delaying the approval process on our loan modification, for more than a month. 

We began this process onXX/XX/XXXX and in that time frame, we've been repeatedly misdirected, misguided, and flat out lied to. The representatives that we are working with are giving us information, one bit at a time - this is delaying the process and causing extreme stress for both my nephew and I. 

We have more than enough income to support making our mortgage payments and simply want to put this matter behind us. U.s. Bank claims that our file has been in Active Review, with Underwriting, since XX/XX/XXXX. This decision should have come weeks ago, per the individuals that we've spoken to. Please assist us with this situation. 

THANK you!

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 2018-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
I received a letter from SunTrust mortgage that I was going to be referred for foreclosure unless I paid {$3900.00}. The last payment I made to SunTrust was on XX/XX/XXXXfor {$1000.00}. When I called to set up payments, the agent stated that I could " try '' to make payments, but there was no guarantee that SunTrust would accept these payments. I called the next day ( XX/XX/XXXX ) and asked to speak with a supervisor because I was told that my payment of {$1000.00} was held because I was past due and this payment would not be applied until I brought the account current. I asked the supervisor to apply the payment and to not hold it and he stated that he would not and that my loan paperwork stated that payments could be held until the account is current. SunTrust is not the original loan holder and I have yet to receive a copy of this signed paperwork that I have requested. I have since mailed them {$2000.00} on XX/XX/XXXX and another XXXX today, so the loan is current. SunTrust also calls excessively, sometimes up to 8 times a day and never leaves a message. All agents of suntrust continuously pushed Loan Modification on me even after multiple statements that were made by me that I would be bringing the loan current by the end of the month.

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