vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I noticed a significant drop in my credit score in XX/XX/XXXX. About 90 points in 30 days. I do not have any credit card debt, mortgage or car payments so I found this very odd. I have a small amount of student loans that are almost paid off but I only recently graduated. I looked into my credit report and noticed a {$1900.00} notice of debt collection from Amsher Collection agency collecting on a delinquent XXXX bill. ( attached below ) I have never had an account with XXXX in my life. So I called both Amsher and XXXX. XXXX told me there was no account in my name they had a record of. Amsher forwarded me to odd people asking for my personal information and SSN. I felt uncomfortable and decided to call the CFPD. They guided me to help file for fraudulent identity theft, put a freeze on my credit and told me to send a letter of validation in order to gain more on the debt. I did all of those things and also disputed the claim from my records. I sent a letter of debt validation to Amsher ( attached below ) on XX/XX/XXXX and never received a response. I also was denied by dispute on my XXXX credit report ( attached below ). I want this fraudulent activity removed from my credit. Please let me know if I can provide any additional resources. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union   Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 2017-12-13 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: CITIBANK, N.A.
State: MD

Complaint narrative:
XX/XX/XXXX E-Mail XXXX Case # number XXXX XXXX I have a Tenet that ran up a {$1100.00} cable TV bill Including equipment and early termination fees with XXXX and the service was disconnected. Later I found out that XXXX would not turn the service back at that address until that debt was paid. 
Over the telephone XXXX XXXX ( XXXX collection agency ) and I agreed to a settlement of {$700.00} for this {$1100.00} debt and we agreed that I would be getting a proper confirmation letter in the mail within XXXX days. 
Settlement date XX/XX/XXXX At that time XXXX XXXX ( XXXX collection agency ) told me that they would be mailing me a confirmation letter in the mail confirming the transaction. 
I called them back one week later XX/XX/XXXX because I did not receive it. They said that they would mail it to me and it should not take longer then a week and I still have not received anything. 
This transaction was a reduced settlement amount agreed by myself and the collection agency for a debt my tenant had for a cable TV and Internet service that tenant failed to make payments for. The reason why I paid it was XXXX would not start a new service at the address unless the debt was paid. 
Being that it was a reduced settlement for the debt owed, I need a proper invoice with account number so XXXX does not come back to me for the balance, and for record-keeping purposes for my tenet. This invoice must indicate names and account numbers so that if the time came XXXX can identify it. 

Around XX/XX/XXXX I disputed the charge with Citibank Requesting that either I get my invoice for the {$700.00} I paid them or Refund my money. On XX/XX/XXXX Citibank informed me that the charge could not be refunded and to contact XXXX to get my invoice for the {$700.00} I repeatedly requested from them and did not get.

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 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: NY

Complaint narrative:
OnXX/XX/XXXX XXXX notified both me as owner and Arvest that the insurance policy was in danger of lapse due to non-payment. On XX/XX/XXXX, I spoke with both Arvest and XXXX and it was determined the check was returned to Arvest on XX/XX/XXXX. 

I also followed up with a call a week later to ascertain if the policy payment was received. It was not, and I was told by Arvest that the payment would be resent to XXXX. 

Here it is XX/XX/XXXX and XXXX still has not received the insurance payment covering the property for loss, both physical and rental income for this rental property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: TX

Complaint narrative:
I am a single mother and I have had trouble making payments since my divorce. I have called several times and each time they give me the run around and tell me that I can afford XXXX from each lender. I only bring home XXXX and after I pay all of my main living expenses I am left with XXXX for the month to buy groceries for me and my children and gas to get to work. FedLoan told me that there is nothing they can do to help me that my account will just have to default. Then they proceed to tell me that they do not do wage garnishing until it is delinquent XXXX! Everything I have researched and my XXXX lender have told me XXXX. I told them that I was in the process on consolidating and I just did n't want the account to start wage garnishment before this is final. I have nothing else to give them and they will not take in consideration that I have children to feed. They just tell me there is nothing else they can do. I told them I will even pay each of them XXXX a month and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The first week of XXXX XXXX, Capital One was advertising ( 1 year 0 % interest rate promotion ) online. I applied online and the second day a representative from Capital One called me on a recorded line to notify me that I was approved for a 1 year 0 % capital one credit card. After XXXX XXXX if I do not pay my balance I will be charge an interest rate of 25.4 %. However, my first statement dated XXXX had 0 % interest rate which was good as agreed. The next statement dated XXXX I saw a interest charge of {$48.00}. I called Capital one and representative said to me that they apologize for the mistake that my account was indeed 0 % interest for 1 year and that they will waive the charges. 2 months later I see my statements and I noticed Capital One continue charging me interest rates and my credits were never given back to my account as I was told previously that I will get credited for the inconvinience. I called Capital one and requested to speak to Supervisor and she told me that my account in a program for 6 months 0 % rate only and then she changed her story and told me I was in a 9 month 0 % interest and I will begin getting 25.4 % interest charges effective XXXX XXXX. But I told Supervisor that I 've been charged interest since XXXX XXXX so it does n't make sense to me. I called again Capital One and I requested to know what program am I enrolled and representative responded " your enrolled 25.4 % program from day one ''. I asked representative what happened to my credits capital one was supposed to remove last month I called and another representative said that I was charge interest in an error and that they had apologized and were going to remove those fees but I never saw any credits on my account. This representative responded that they were no credits on my account b/c I was never enrolled into a 0 % interest rate program. So far I 've been charged over {$480.00} in interest. Every time I call I get different responses and there always apparently investigating my account. I do n't understand.!! ... All calls are monitored and recorded so I know if they are heard they will find discrepancies from CapitalOne representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX have never had an account /contract with XXXX XXXX.I have never received any correspondence from them ; therefore i am requesting that this item be removed from all three credit breaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check in the amount of {$13000.00} after assuring contractor that they would not handle second claim check any different than first claim check. OCWEN has returned check twice without endorsement. Contractor has placed lien on property to recover amount owed. OCWEN failed to provide written documentation of what the process is. Wants me and my spouse to endorse the check first and they will " reissue '' an OCWEN check to Contractor and us. Work is complete and OCWEN inspector has been on site to verify the work ; yet they still refuse to endorse the insurance claim check from XXXX XXXX. 

XX/XX/XXXX Loss Draft Department of OCWEN refuses to endorse insurance claim check claiming they need to monitor the work. Can not provide an explanation for withholding their endorsement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: IL

Complaint narrative:
XXXX/XXXX/XXXX I finally called the XXXX Collector in what the constant phone calls where about not only to my phone but my parents work and etc. What I finally came to light was Navient put one of my loans in default and was sent to a collection agency. The sad part about it was that Navient did not notify me, no letter, or phone stating that they were going to do so. I am already on a specific payment plan with them and have but all federal accounts into forbearance. So for them to not state that this has happened through me for a great loop because since I was no longer under XXXX XXXX I thought finally Navient would be better to work with and help out ... WRONG was. Now I am dealing with a settlement which is still outrageously high and finding out why i was never informed of this particular loan going into collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: GREAT LAKES
State: CO

Complaint narrative:
I have been continually harassed by Great Lakes since XXXX XXXX. At first I was being harassed on the phone ( a business phone ) during business hours which I had requested not happen, regarding a loan repayment plan and then about in-school deferment. Calls needed to be for emergencies only. After several phone conversations, my number was finally removed from the system so that I would not receive harassing phone calls during business hours. Now, I get threatening emails because I do n't have a phone number on file. There does not seem to be a solution. I do n't have a personal phone number because it truly is n't affordable or a priority, I have internet and that covers everything I need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
In XX/XX/XXXXI received a Loan from Santander Bank for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was XXXX by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with Santander to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with Santander because I had GAP insurance, they were contacting Santander but Santander did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and Santander would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
HELLO, PLEASE REMOVE ME FROM ALTERNATE FORMAT CREDIT REPORTS OR BRIALE CREDIT REPORTS AND DISPUTES.

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 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rickart Collection Systems, Inc.
State: FL

Complaint narrative:
According to the Florida department of financial regulations XXXX is not license to collect in Florida. In XXXX of 2017 They were added to my credit report for a balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: NY

Complaint narrative:
XXXX on XXXX/XXXX/17 obtained a copy of my credit report without my consenting. I want this off 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 non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
My friend and I both have coinbase accounts. He gave me the corresponding email linked to his account so I could send him some ethereum, but he had n't realized he gave me the wrong email ( he gave me XXXXXXXXXXXX address when he XXXXXXXXXXXX address ) until after I had sent the transaction. The email that the transaction was sent to was not a valid email/not in use at this time. So, my friend created the gmail account and corresponding coinbase account to retrieve the funds, but they were n't there either. My account shows the transaction as Complete, but when running a report of my transactions it does not provide a transaction id. Spent an hour & a half on hold before getting ahold of support and when I told the guy that there is no transaction id and it 's like the funds disappeared into thin air he just said " Yeah, I do see that, that is weird. '' Then he just hangs up on me! I 've sent emails to all support staff email addresses that are publicly available. I 've tried contacting them via their XXXX support, their individual employee reddit accounts, posting on their subreddit and no one is replying in order to resolve this issue. I do n't have my funds, my friend does n't have my funds. 

So, to summarize, I XXXX ETH to that XXXX account on XXXX/XXXX/XXXX XXXX AM. It shows as XXXX in my account and the funds were deducted from my ETH wallet. They have not arrived in my friend 's account or the account of the gmail address. No transaction id exists for the " XXXX '' transaction. Was told by phone support " That is in fact weird '' and hung up on. 

Previous Case # s from attempts at getting support via their email system XXXX & XXXX. 

XXXX 's solution was " Reasons your transaction might be pending can be found here. 
Known delays and further information can be found on our status page. '' Which I already knew and had explicity stated that the transaction was already displaying as COMPLETED, plus there is no sign of a transaction id. 

XXXX 's solution was " If you sent digital currency from your XXXX account to an email address by accident, your funds will be returned to you in 30 days if the funds remain unclaimed. If the email address has not already been claimed, you could do so to ensure the funds are returned to you. '' Which I already knew and had explicitly stated I wanted to get MY funds back sooner than having to wait the 30 days. Since there is no transaction id I 'm left to believe that the funds are being held by coinbase. 

As it stands right now they 've stolen this money as far as I 'm concerned ; hence, why I 've decided to make this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
Disputed debt ownership. Never received validation, removed. Re-added today. XXXX XXXX XXXX client, account # s do n't match.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have a student loan through nelnet I am permanently XXXX and have been since 2009 I submited papers for this to be dismissed due to being XXXX I am getting the run around on completing this process This is the last yr since i applied for the dismissal there is a 3 yr monitoring process i am told. 

And all i am getting is the same questions name address social security number But no completion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 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: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
My loan is due to come out of deferment/forbearance on XXXX/XXXX/XXXX. I made a payment for {$80.00} ( twice the monthly amount due ) through my bank on XXXX/XXXX/XXXX to be delivered on XXXX/XXXX/XXXX. The payment was processed on XXXX/XXXX/XXXX and 2 days later, still due was {$40.00} for XXXX/XXXX/XXXX. I inquired with Heartland ECSI and they said that payments made more than 10 days before the due date are applied to current month and not the following. This obscure rule is not outline on their website. After dealing with several CSRs, my payment was applied for XXXX XXXX and the next payment will be due in XXXX XXXX. Upon further inspection of my account, what was not explained in detail was that even though the site said that my payment for {$80.00} was applied to my principal, my payoff balance was {$9.00} short of what it should have been. After inquiring with another CSR, they said that the missing amount was for the interest accrued for XXXX XXXX, yet I still owed a {$40.00} payment for XXXX XXXX -- that should not be considering a payment was made and the site said ALL monies went towards the principal, when in fact, {$9.00} went towards interest for XXXX XXXX. This company is using underhanded tactics in an attempt to fool and cheat its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: AR

Complaint narrative:
XXXX which provides XXXX services has a technical glitch with XXXX and XXXX browsers. After trying to make payments, session logs out and when I brought this to customer service notice, they were rude and charged me late fees. THis is a way of making money off of customers.

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