vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
XX/XX/XXXX I was informed by Navient that my student loan was not eligible for reduced repayment options without refinancing. I refinanced and applied for a income driven repayment plan. I was informed that my account would remain in forbearance until XXXX so that the IDR plan could be processed. 
My first IDR request from XX/XX/XXXX was not processed by navient. 
I applied a second time. On XX/XX/XXXX i was informed that i was in repayment and had a payment due XX/XX/XXXX, 13 days later, with a repayment amount outside my ability to pay. 

i called again, and was told that my payment would be moved to XX/XX/XXXX and to reapply for an IDR plan. 
i reapplied, however, my payment forbearance request was not processed and i was stiill shown as past due for XX/XX/XXXX. 
ive just called Navent 3 times, and been disconnnected 2. According to Navient, the agent who took my call the last week of XXXX did not process any of my requests. 

Its very hard to resolve when the agents at Navient do not process requests. its very hard to resolve repayment issues when the information that agents provide is not reflected in the online activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: IN

Complaint narrative:
I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: IN

Complaint narrative:
I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.

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 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
I have received numerous calls a day to my parents landline, where I do not live anymore, back to back multiple times a day. It has gotten so bad we have actually stopped answering the phone. For example on XX/XX/2016 I received a call at XXXX, XXXX, XXXX. They never leave messages, they only ask for whoever answers the phone name and then for the social security number. They say they are working on behalf of XXXX for medical bills but will not disclose what bills they are talking about. When I confronted them about them violating the FDCPA they then said it was multiple debts from same place so that is why they call so many times and that they are allowed to do it. My elderly parents are absolutely at the end of their rope with the phone calls coming in constantly. When I confronted them as well they said they would then start sending me mail for it ( which they already do as well ). We now live on eggshells waiting for the phone to ring.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2019, I sent a wire transfer using the XXXX application on my phone and entered an incorrect number by one digit. I attempted to immediately cancel the transaction but the system would not allow it. I called my bank, Wells Fargo, to inform them of the error. Wells Fargo stated that since it was placed under the application site, I would have to contact XXXX to cancel the transaction. I then called XXXX who informed me that they are a networking system and do not handle the processing of this transaction I was redirected to contact my bank regarding this error. I opened a dispute with my bank, in which I was informed that since I made the error they could not refund my {$350.00} that was placed in a stranger account, nor could it be reversed. I also tried contacting the receiving party and later found out he is located in XXXX not in the US. Wells Fargo nor XXXX are willing to help me with this matter and now I have no other option but to contact your office for some form of resolution.

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 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
All of a sudden in 2017 I saw a collection on my credit report from a company called Portfolio Recovery. I had no idea who they were or why as I had entered into a debt collection program ( XXXX XXXX XXXX ) that was taking care of my debts and the amount stated was not an amount I owed. I had XXXX and had to put bills on my credit card which then got to overwhelming. They claimed they sent me paperwork ( which I had never received ). I was also getting calls at all times of day and night but when I picked up noone was there, they called from different States with different numbers. I disputed the entry on my credit report numerous times ( it now states resolved, customer disagrees ). I asked them to verify the debt ( which they claim they got from US Bank, however the amount they are asking for is not in accordance with the amount owed ). And I never received sufficient paperwork according to the law to verify the debt. I also received threats I was breaking the law. 
As I never got the verification I never agreed to anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2019, I received a call from someone at the number ( XXXX ) XXXX asking for XXXX XXXX, which is a short version of my full name. When I said I was XXXX XXXX I was transferred to someone identifying himself as XXXX XXXX from Midland XXXX in XXXX XXXX, CA. When I asked the purpose of the he said he it was regarding a debt I owed in the amount of {$46000.00} for a credit card. 

I have never had unpaid debt and have a perfect credit history. When I asked how they had linked me to that debt they were seeking to collect XXXX wouldn't answer. I asked if they had simply called me based on my name matching the name of someone they couldn't find otherwise. I specifically asked if Midland had simply matched my name and found my phone number, which was clearly the case in this instance. He responded the contact information came from another department. I asked him to conference in someone from the " other department '' to obtain that information which he refused to do. 

I explained to him that it was illegal for his company to simply randomly call individuals on the " do not call list '' on the basis of a matching name with no other corroborating information. I told XXXX I would report him and his firm to the CFPB unless he explained how Midland obtained my phone number. He then hung up. 

I'd be interested in initiating a class action lawsuit against Midland if others have had a similar experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I've sent specific documentation and requests to this company, 'XXXX XXXX '. They closed the account as a result of them failing to provide any contracts or documents bearing my signature proving that the account belonged to me. According to the FCRA Section 623, this account must be permanently deleted from my credit report immediately. It is your responsibility to send a deletion request to the bureau 's. Failing to delete this account would put you in violation and I may pursue legal action. XXXX agreed to cease all collection activity because the account wasn't mine and neglected to delete the account 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 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: TN

Complaint narrative:
Someone has stolen my identity and my bank account information. They have used this stolen information to open an account at MoneyLion ( XXXX XXXX XXXX ) and take a loan out in my name. I have called XXXX three times reporting the fraud that has occured, get them to halt the {$500.00} bi-weekly withdrawals from my XXXX account, and to get basic information about what the fraudster has done there ( how much of a loan did they take out, what addresses are they using, stop taking money out of my account, etc. ) to no avail. The MoneyLion agent on the first call ( XX/XX/2019 ) said they would send my information to their fraud department and I should hear back within 48 hours. Didn't hear anything. XXXX XXXX another {$500.00} was drafted from my account by Moneylion. I called back. I explained again what was going on to the agent. They put me on hold, then disconnected my call. I called again. Same thing. I explained the whole thing again, magically my call was disconnected. The third call I spoke with another agent. I asked to speak with management. This agent, said that there is no management to speak with. He said that he saw in my notes that I placed a call on XX/XX/XXXX about the fraud. He then said that the XXXX department put my request on hold because I had not filled out the fraud affidavit MoneyLion sent me yet. I then told the agent that I had not received an affidavit because they probably sent it to the fraudster since the person I spoke with on XX/XX/XXXX didn't ask for my address or email. The agent today ( XX/XX/XXXX ) then took my information down - home address and email- then he said he would fill out the form for me in order to escalate this so I could get some help. At this time I still have not received a phone call, email, anything from Moneylion and they have successfully taken {$1000.00} from my account. All this while they refuse to give me any details about what the fraudster has done with my information at Moneylion ( did they take a loan out, open a bank account, what??? ). Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I received from my mortgage company a statement of my Escrow Account Projection for the coming year in the mail the end of XXXX XXXX.that 's when I noticed that my mortgage payment had increase {$170.00} dollars more than it was so I decided to call to see why my mortgage has change I was told that my city taxes has increase from {$9.00} to XXXX and I need to find out from my city taxes department why the increased. I called my city taxes and I was informed that my city taxes didn't going up. So I called my mortgage company back informing them that my city taxes company said that my taxes did not go up and the responds to me was what they paid the city and that my escrow account was low. Then the mortgage company asked can I get a copy of my city property tax paper to send to them and they would work on resolving the problem with my mortgage increase. But as of today XX/XX/19 they have not fixed my mortgage payment and had to paid them for 2 months mortgage and put money in my escrow account because their pay by phone services did not apply my money to my account and I was not informed or notify until I called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: SC

Complaint narrative:
EQUIFAX HAS REMOVED/DELETED/BLOCKED THESE ACCOUNTS AND WITHOUT ANY NOTIFICATION OR AUTHORIZATION FROM ME. I HAVE ATTACHED MY FTC REPORT ( S ) PER THE FCRA 605B LAW STATES THAT EQUIFAX MUST REMOVE/BLOCK THESE COMPANIES FROM PLACING THESE ( IDENTITY THEFT ) ACCOUNTS BACK ON MY CREDIT FILE. PLEASE SEE ATTACHED FCRA 605B LAWS AS IT PERTAINS TO IDENTITY THEFT. THIS WAS NOT AUTHORIZED BY ( ME ) TO BE DISPUTED. EQUIFAX HAS GONE AGAINST " MY '' WILL AND PLACED THESE LISTED ACCOUNTS FROM A " EQUIFAX BREECH - 2018 '' & IDENTITY THEFT BACK ON MY CREDIT FILE UNAUTHORIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2019 I contacted experian to display my number for fraud alerts but it's still not showing it shows all 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 2019-02-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XXXX my wife and I were able to pay off our mortgage that was held by XXXX XXXX XXXX. In XX/XX/XXXX we opened a line of credit with XXXX. We borrowed {$30000.00} to repair a rental property we own. XXXX has done a lot wrong with our contract, changing most of it without consulting us. 
Early in XXXX XXXX started referring to themselves as my mortgage company. Because we have no mortgage ( paid off in XXXX with XXXX XXXX XXXX  ) I questioned XXXX about what they thought they were doing. I accused XXXX of predatory lending and started looking for a attorney to help me with this issue while I continued paying on the account. On XXXX I got a letter from Select Portfolio saying. they will be servicing my 2nd mortgage account. I called select portfolio and spoke with, XXXX XXXX. I told her I was seeking legal help with XXXX and to please wait until my complaint against XXXX was addressed. I continue paying XXXX but stopped when XXXX returned the last two payments  I sent them. I felt that going forward with an innocent, Select Portfolio would leave my wife and me Unable to recover position. So payments did not go to Select Portfolio, ever.Now Select Portfolio is attempting a foreclosure. They dont hold a mortgage for this property. 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 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OH

Complaint narrative:
I have been a long time customer with US Bank, I have a checking account, a debit card and a savings account along with two credit cards with USBANK. 

Since XXXX of 2018, US Bank 's Debit Card chip stopped functioning. 

I called and had a replacement sent out, it did not work -- every place I use it gets an error. So I called and they sent another card. 

THAT card chip doesn't work. 

So every time I use it, I get a decline notice, I have to have the cashier try again and again and again until the system allows them to bypass the chip. 

I called in XXXX twice, XXXX, XXXX and XXXX. 

US bank only offers to replace the card which requires me to update all my billers, only to get the same result of the card not working. 

Clearly a pattern has been established after 3-4 cards now that there is an issue with the chip manufacturer or technology and rather than address it US bank just keeps sending out bad cards. 

I've asked that they investigate, but I've been told its not something they can fix, investigate etc. 

At this point my money is not available to me. I can not use self service stations. I have to beg cashiers to run my card until they can bypass the chip technology. THis has to be addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I reached out to the bureaus in regards to a dispute in question in regards to a repo that was on my credit reports, found out somebody had gotten a vehicle in my name and the vehicle im guessing has YET to be recovered, cant get any information in regards to it because I cant verify account information to whoever has the car so they only tell me what they can well I went to the actual dealership and they were able to give me some information to help me, I was able to contact the company and they finally sent me documentation in regards to the vehicle to help me get the car removed.

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 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
Hello, I was contacted by SCA Collections ( letter dated XX/XX/XXXX ) on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX  had never sent me notice of this debt they sent it directly to SCA Collections. SCA Collections contacted me about the debt in which I responded to them within 30 days ( XX/XX/XXXX certified letter ) telling them to cease and desist contact with me because I preferred to deal with the original debtor. The reason why I told them this is because I never received anything from the company that they were referencing prior to receiving notice from them. SCA 's representative signed for the certified letter XX/XX/XXXX. They made no further contact with me but XX/XX/XXXX they added this information to all the Credit Bureaus against me. I requested for this information to be removed from all agencies due to Federal Consumer Laws and they haven't done so. All of my supporting documents to include the signed certified notice have been uploaded.

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 2019-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Signed up for XXXX Credit Card. 

2nd payment problems started : In order to set up 1st payment, a bank or debit card must be added and authorized. Rounting numbers and account numbers were entered. 

Customer selects a schedule payment date. All indications to this point alert that it is a reocurring date that you are selecting. Customer is actually only scheduling a ONE TIME NON REOCURING payment. 

I recieved calls alerting me my account is past due and a late fee. The game is to entrap customers into thinking they have made a reoccurring payment and then trick them with a late fee. Once you call in, when this happens, this uses up the one and only late fee grace period per year, making it seem like they extend you good will. And now making it much more likely you will forget to make a payment in the future and a higher chance they keep the late fee. 

Company should be obligated to provide auto payments or prevented from scheduling payments in a future date. They are clearly the same system, but used selectively for max profit. Company is obligated to disclose that it does not have auto pay and you must pay again manually within 30 Days. 

A helping you from the water with the hand they pushed you in with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2019, I tried to transfer money to my friend through paypal but it always asks for a fee.I called customer service and after over 30 min of wait, the agent said you can do it now while on the phone and I can take care of the fee. After I initiated the transfer, the agent told me the fee can not be waived since it is the fee associated with XXXX XXXX XXXX. I asked to spear to the adviser, the adviser told me the same thing. I asked the manager to close my account next Wed after all my fund has been transferred from paypal to my bank. The manager told me he can do that. But after a couple of min my account was closed and I still have two pending transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
Two transactions were allowed to debit my account without authorization. I have filed a dispute. The card holder agreement states that provisional credit is to be provided within 10 business days. The date they have set for update is more than a month from the filing date which is a clear violation of their own terms and conditions. They're not protecting me as my financial institution. Please assist. I am also attaching their terms and conditions to this complaint for reference.

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