vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I mailed a letter of VALIDATION to Commonwealth Finance for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: KY

Complaint narrative:
I bought a new car from XXXX XXXX in XXXX Kentucky on the date of XX/XX/XXXX. It is XX/XX/XXXX and as I was reviewing my statements, I found out the interest charged for the first payment was out of line with other months so I went on to create amortization schedule and verify if I was paying the correct interest and principal. 

I used the unpaid principal balance, numbers of period, and the interest rate on the installment sales contract to calculate the monthly payment that I should pay, as it turned out, I've been paying a higher amount than I should. Although the difference in payment is immaterial for the amortization term, I would still like to notify the company of this error and get it corrected. 

I called Honda Financial Services and explained the situation but they said I would have to talk to the dealer about it. Then I called XXXX XXXX and talked to a guy about the issue at the finance department. He looked into the issue and he told me the difference in the payment on my bill and the payment I calculated came from the extra days of accrued interest that added to the unpaid principal balance before I made the first installment. I was confused and it doesn't seem like he was really trying to help as he kept telling me I need to talk to XXXX XXXX as this is an interest rate question. I thought the conversation was going nowhere and I ended the talk. 

So my loan amount is {$19000.00}, amortize for 72 months at 1.9 %. I calculated the monthly payment amount to be {$280.00}, however I am paying {$280.00}. To back out the present value of the unpaid principal using {$280.00}, I get {$19000.00}, a {$15.00} difference in unpaid principal balance, I don't know where it came from and the dealership doesn't have an answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
my student loans were originally thru sallie mae they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, XXXX, and federal student loan website. portfolio recovery says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to portfolio recovery, which they didn't accept for proof of pay off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 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: PNC Bank N.A.
State: CA

Complaint narrative:
XX/XX/XXXX i received a phone call from XXXX XXXX credit card company that i have behind bills that I have to pay. Over the conversation, I found that somebody is using my identity from the advice from XXXX  XXXX card, I checked credit report and found that there were fraud accounts in my credit report. 
it was XXXX XXXX, XXXX XXXX and PNC bank. I got a police report and dispute all fraud accounts and also contact identity theft goverment. I sent all documentations what credit company asked for and it made them to concluded that it is fraudendent accounts from XXXX  XXXX and XXXX XXXX companies however I never received any answer from PNC bank and on XX/XX/XXXX, so received a phone call from collection agency regarding PNC bank account. I sent documentations that they requested therefore they made concluded that it is fraud account on their side on XX/XX/XXXX and it goes to PNC bank customer service. I contacted them since XX/XX/XXXX till today XX/XX/XXXX, but they never give me any answer or letter or any response therefore I sent police report to their company to proof that this fraudendent but they called me and said that with the police report and do legal action. 
so I am filing a complaint to solve this issue. 

date XX/XX/XXXX till now credit company name is PNC bank the amount is {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Received a letter from Bank of America dated XX/XX/XXXX on XX/XX/XXXX. Case Number XXXX. Letter stated, to further assist you to resolve this matter, please call us at the number listed below and provide us your case number XXXX. Called Bank of America on XX/XX/XXXX at XXXX XXXX  and talked to XXXX. She kept asking me to hold and after holding for 5 minutes I hung up. Called again on XX/XX/XXXX at XXXX XXXX  and talked to XXXX in CA. Told her I don't receive text messages and did not know where my credit card was and did not know what she was talking about when she asked me for a line ID. Asked to talk to a supervisor. At XXXX XXXX XXXX told me a supervisor would call me back in 5 minutes and she promised me the supervisor would call me back by XXXX XXXX. Did not receive a call back from the supervisor. 
On XX/XX/XXXX at XXXX XXXX called XXXX in Texas. Again had a problem with text and did not have the 4 digit on the back of my card. Again I asked to talk to a supervisor. After being on hold for 15 minutes I was return back to the phone queue and talked to XXXX in Arkansas. Asked her if she was a supervisor and she answered NO. WHY did XXXX in Texas put me back in the phone queue and not transfer me to a supervisor. XXXX in Arkansas asked me some questions and got me verified. She looked at my case and asked how she could help me. I informed her I was following the directions in the letter and called Bank of America at XXXX. She had no clue what to tell me and she was wondering why Bank of America charged me {$.00}. I informed her they did not charge me {$.00} and that they removed {$.00} from my account. She than informed me that she could not access the information and she wanted to transfer me to another department. I informed her I had spent the last hour on the phone with Bank of America and was not spending any more of my time getting the run around. WHY DID YOU WANT ME TO CALL YOU?? WHAT DO YOU WANT??????

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 monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: AK

Complaint narrative:
MidAmerica mortgage is my servicer for my mortgage. They charge a fee for paying online that begins on the XX/XX/XXXX and the fee goes up the closer to the XX/XX/XXXX you make your payment. Due to this I mail my mortgage payment to them as I dont want to be charged {$4.00} plus for online payments. 
In XX/XX/XXXX I mailed my payment and didnt see the check clear. I emailed the XX/XX/XXXX as I didnt want to incur a late fee. To date I have not gotten a response. The check cleared my bank account on XX/XX/XXXX. The back of the check says their bank ( XXXX XXXX ) received the check on XX/XX/XXXX. MidAmerica did not post my mortgage payment to my account, according to my online account, on XX/XX/XXXX. I received a delinquent notice today ( XX/XX/XXXX ) that shows I have a late payment of {$41.00} due. Also today I received my mortgage coupon that shows I owe two payments for a total of {$2500.00}, which also includes the late fee. This is not the first time they have not posted my payment on the day they actually received it but this is the first time they have tried charging me a late fee. If their bank received my check on the XX/XX/XXXX I shouldnt be charged the late fee as I have until then according to every mortgage payment I have received from them. 
The first attachment is where they show the payment being applied on XX/XX/XXXX and the second attachment shows the back of the check with a date received of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
my student loans were originally thru XXXX XXXX they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, navient, and federal student loan website. XXXX XXXX says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to XXXX XXXX, which they didn't accept for proof of pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
i have two chase cards one with a credit limit if XXXX and the other XXXX i only uses my freedom char card balance is XXXX i pay on time or early and more than the minimum payment. I tried to use my other chase card the slate for groceries and it was declined i have never used the card before still had XXXX balance on it, i looked up my accounts says that my accounts are closed! I never received a email phone call or mail stating that my card might be closed or why they would even close down my accounts that i pay on! I receive emails stating when my payment is due and when i make a payment! But no notification that my accounts are being closed when i pay them on time all of my credit cards are paid on time have a 100 % pay history, yes my score went down a little since i got my chase card but i still pay on time, they have failed to notify me of any issues wich is against the law, and they descriminated against a good client who pays there bills on time by closing my account and they failed to notify me that they checked my credit without my knowledge!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Re : Rushmore Loan Management Services - Loan # XXXX My mortgage originated back in XX/XX/XXXX. It was originated without escrows for property taxes and insurance. I have always paid them on my own. My mortgage was sold in late XX/XX/XXXX. Subsequently, the mortgage servicing was also transferred to a new company, Rushmore Loan Management Services ( RLMS ). I was able to clear up a crisis early last year in talking with a senior management contact, XXXX XXXX. XXXX XXXX helped resolve several issues that were not conveyed in the transfer to RLMS. One remaining issue NOT resolved is an ongoing escrow issue I can not seem to resolve, and XXXX XXXX is apparently no longer available. XXXX XXXX advised lastXX/XX/XXXX, that I request in writing from RLMS, that they stop requesting and paying my tax bill and cancel my escrow account when they perform their 'initial ' escrow analysis. So, in XX/XX/XXXX after receiving their analysis, I did indeed write online to them via the website asking them to please close the escrow account. They did respond over a month later ( XX/XX/XXXX ) stating they can not due so as the escrow has a negative balance. Not happy with their response, I contacted them last week (XX/XX/XXXX ) and spoke with a customer service rep who informed me that she would send my request to the Escalation Dept. I have yet to hear back from them. My concerns as described to her are as follows : 1. My new monthly payment increased by {$430.00} ( and only includes property taxes, not insurance which I still pay quarterly. ) 2. My property taxes total {$1700.00} annually, this does NOT justify their substantial increase. 3. I CAN NOT afford a {$430.00} increase each month while still having to pay insurance quarterly. 4. I am concerned about potential future foreclosure proceedings without this being corrected to reduce my payment back to the {$820.00} I was paying previously. 5. I am also concerned about my credit record being negatively affected. 6. I am anxious and losing sleep over this issue! Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Date for last statement is XX/XX/18 and my statement includes principal {$25.00}, interest {$66.00}, escrow {$56.00} which equals only {$140.00} but then ocwen loan serving, LLC adds an additional {$13.00} charge for optional products, which brings my total payment to {$160.00}. I never signed up for this optional product and want it removed immediately. My monthly bill should be only {$140.00}. I wrote ocwen loan serving LLC a letter, saying I never signed up for this optional product ( XXXX   XXXX ) and want it removed from my account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been for months now trying to get information that is on my experian report removed about a bankruptcy that is reporting. I checked my credit and saw a bankruptcy and requested it be removed due to Experian saying they received the information from XXXX XXXX. I am attaching my XXXX XXXX report and showing no bankruptcy on it. Its against the law to falsely report information and i would like it removed immediately. I am also attaching copies of my report from XXXX  who have deleted the bankruptcy. 

This is stopping me from obtaining credit and a job. please investigate.

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 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I mailed a letter of VALIDATION to XXXX XXXX for 6 different accounts via certified mail. I haven't had any knowledge of these debts or any contract with this company so I requested VALIDATION. This company received my letters on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. The response did NOT include ANYTHING that VALIDATES the debts are mine. This company did NOT provide ANY documents with signature for VALIDATION as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have 2 accounts on my credit report That is incorrect and fruad ... XXXX XXXX XXXX  which I have paid off and that account fruad and need it deleted from profile have provided documentation ... XXXX  XXXX is fruad .. I have police report and have resolved complaint with company and its still reporting .. provided documentation ... I have inquiries that I did not consent to and will like them deleted from my report, I have disputed these accounts before and there coming back verified .. I need copys of validation with my signature or copy of verified documents With my signature or proving these accounts or inquiries are mine in writing or they need to be removed due to fruad

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 2018-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
I made a complaint already to the financial consumer complaint in Michigan and in the state of New York where my mortgage account is at. They refuse to take a single payment.. Im stuck paying every 2 months making a double payment because the bank will not work with me or allow a payment to go into my account. I paid a double payment in XX/XX/XXXX and in XX/XX/XXXX I called to schedule a payment on the XX/XX/XXXX. They said I wasnt in default yet and it allowed a single payment. Now XX/XX/XXXX came along and my payment was mark insufficient WHEN THE FUNDS WERE THERE! Come to find out they again blocked my account to accept the one payment. So since then I made a double payment at the end of XX/XX/XXXX since they would reprocess the single payment in XX/XX/XXXX.. XX/XX/XXXX my account was blocked to put a single payment and XX/XX/XXXX I mailed out 2 payments.. well they said I needed to all of a sudden pay all 3 out of 3 in XX/XX/XXXX after just making the double payment in XX/XX/XXXX! This mortgage company has not helped me or even given me proper information to get my account out of default! I dont have any demand letter saying I have to pay 3 out of 3 payments in XXXX! There policy never generated that when they clearly see I have the money to pay them they are trying to take my house from me! Since the state of New York contacted them nothing got resolved! They instead claimed they mailed a letter in XX/XX/XXXX I have to pay all 3 after I was only behind 2 months not even to being with! They started counting the month that Im in even with a schedule payment as a month behind! Mortage company can not charge u the month ur in and currently making a payment for .. if a payment not in by the XX/XX/XXXX the charge u and consider that a month behind! U have up until the XX/XX/XXXX to avoid late fees and technically till the end of the month to pay .. if u dont then its consider a month behind! No one has even attempted to help me! The moment they got the complaint they went against normal procedures ( forced to pay 2 of 3 payment and next month 2 out of 4 payments! ) they clearly know that they are not follow Michigan laws on mortgage companys completely blocking accounts! I cant wire mail or schedule a single payment anymore! They kno I pay bi monthly cause of this issue. They went against normal policy and charged me all 3 in  XX/XX/XXXX ( XX/XX/XXXX they claimed the letter went out! ) XX/XX/XXXX a 2 payments processed into the account! 
This is my second complaint they now refused to take my 2 month payments for XX/XX/XXXX and XX/XX/XXXX .. and said my hosue Is in foreclosure. Im now taking this matter public because no one has helped me resolve this matter! And this provider shoudk be able to stop them from doing this to home owners

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 2018-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CBV Collection Services Ltd.

Complaint narrative:
The Company is CBV Collection Services. 

XX/XX/XXXX ( while in emergency hospital care with my daughter ) : Times : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 

All phone calls. I called back XX/XX/XXXX at XXXX and told them to take my number off the system and to stop calling and to contact me by mail only, the woman refused to and stated that it requires manager approval, I stated that was unacceptable and quoted harassment which was a violation of the consumer protection laws of XXXX. 

If they call me again, I will file criminal harassment charges, I had to block 7 different numbers already and they just keep auto calling with their system. If I answer it stays in call and empty for 4 seconds then hangs up again. 

Again 1 more bloody phone call that wakes up my SICK daughter with a XXXX XXXX, and I will pursue this to the fullest extent of the law and sue them for every bloody penny they are worth!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Account Resolution Corporation
State: IL

Complaint narrative:
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account Resolution Corp ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation