vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation
State: TN

Complaint narrative:
Regional Finance  is stating that I still have a balance of {$570.00} when I actually paid this account in full on  X/XX/17    ( see attached receipt ) in the amount of {$3400.00}. I am in the process of buying a home and this is causing me a set back. This should have been updated on my credit at least 30 days ago. It is still reporting as a deliquent account. When I called to speak with Regional on  X/X/17    they were very rude to me and offered no help even though I have proof from  XXXX   XXXX , Attorney at Law that this account was resolved. I want this updated on my credit report immediately supplying me with the AUD or Control Number that they will be provided once they have submitted the update to the  XXXX . I also request to have a letter sent to my current address showing that this account has been closed out in their office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i went to sams club to make a purchase while checking out there system went down my card was charged and sams club refused to give me what i paid for i refused to leave and called the police bc i seen my card charged then the manager gave me a letter i called sams credit and disputed and sent them the letter and there refusing to take out this charge that i never recieved my goods for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
FURNISHING FALSE REPORTS TO CREDIT BUREAU 'S

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: United Group Inc.
State: WA

Complaint narrative:
XX/XX/XXXX I took out a {$3600.00} title loan with United Finance in XXXX, Washington. I was told the loan amount would be {$4800.00} with interest. I made 5 payments before my car broke down and I could not afford to pay. The title loan company repossessed my car in XX/XX/XXXX, then sold it at an auction. The total amount of payments I made was {$1000.00}. They then sold my car for {$850.00}. In XX/XX/XXXX, I was served papers that the title loan company was suing me in small claims court for {$5000.00}. This amount does not reflect the {$1000.00} or the {$850.00} in money they made back. This is more than the initial loan, including interest would have been if I had never made any payments. They did not show up to our court ordered mediation, so the case was dismissed. They then put this account on my credit as a charge-off in XX/XX/XXXX, for the amount of {$5000.00}. Since then, they have added {$110.00} in interest. My account is currently {$5100.00}. I do not know if this is legal, but it does n't seem fair that {$1900.00} in payments are not reflected in the balance owed. I am also not sure if they are allowed to add interest to an account that has been closed. In XX/XX/XXXX, I disputed this account for wrong information to the credit bureaus. Nothing was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is  XXXX   XXXX ,  SSN   XXXX  DOB  XXXX / XXXX / XXXX  I used to have  XXXX  credit cards with  NFCU  back in  XXXX , long story short, I ended up in the hospital and unable to make  payments, account went charged off, I contacted NFCU because the amounts just do n't add up to me, I asked NFCU for a full account audit including contracts signed between NFCU an d me showing my signature as well as a FULL account statement showing why my account is that balance in both of the credit cards by law, if they can not provide with these items, they MUST REMOVE the records from my credit report and they have failed to do so. Also, they have  XXXX  account showing twice in my credit report, so instead of it being  XXXX  accounts it shows  XXXX  accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
In XXXX 2017 I began the process of refinancing my existing Ditech mortgage. Since then I have tried to get an explanation as to why I was double charged for interest during the process. My " Borrower Final Closing Statement '' clearly shows my paying interest on the old loan until X/XX/17 as well as paying Prepaid Interest on the new loan from XX/XX/XXXX-X/X/2017. Per Ditech 's correspondence of XXXX XXXX, 2017, ( which did not actually address my inquiry to them about this double payment of interest ), they state the old loan was paid in full on X/XX/17. To me, that means I paid interest on the old loan for 6 additional days at $ XXXX/day AS WELL AS paying interest on the new loan for 1 additional day at $ XXXX/day. For some reason, Ditech sent me a check for {$110.00} on XX/XX/XXXX after my first inquiry into the matter. and their XX/XX/XXXX correspondence states they sent me a refund for {$110.00}. There still has not been an explanation for that particular amount ( the check stub showing it may have been from an escrow account ) - and dividing the $ XXXX/day amount into {$110.00} does not yield a satisfactory explanation as it does not come out to 6 days obviously or any round number of days for that matter. I am asking for your help in this matter because I talked with three representatives, and no one seems to comprehend what I am disputing. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX2016, I was admitted into the hospital. I was there for about 6 months. During that time, someone stole my identity and made charges to my debit card. The actual charges were reimbursed, but the fees were not. I called the company concerning my credit card ( platinum Visa ) because my debit card was so easily accessed and I was concerned about my credit card also being accessed. I asked what they would suggest. The customer service representative from card services told me my best option was to close everything because I was still in the hospital and would be for some time. So I agreed to close the card. There was nothing said about the cash rewards that I earned up to that point ; when I asked about them after getting out of the hospital, I was told that they were lost because the card had been closed. Later, I read in the bylaws that I should not have lost those rewards. In addition, since coming out of the hospital, I applied to reopen the credit card account and I was denied because they claim that the bylaws had been changed. They did not offer another card and I was also denied a new account even though I had paid all of my monthly bills in full and their own records show that I owed a {$0.00} balance when the card was closed. In addition, during the time that I was in the hospital, they charged late fees and other fees to my credit card, even though they were aware that I was in the hospital. For part of the time I was in the hospital I was in a XXXX and my counselor called them to inform them of where I was and that I was XXXX. After I regained XXXX, I asked my counselor to contact XXXX XXXX, the manager at the XXXX XXXX branch, and inform her of what was happening and ask that they ensure that all activities, including charges for fees, cease while I remained in the hospital and could not physically handle my business. After I got out of the hospital, I immediately began contacting the bank and discovered they had not done anything to be of assistance to me while I was hospitalized. In addition to that, their lack of compassion regarding these issues was inexcusable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: WA

Complaint narrative:
On XX/XX/XXXX I made a payment arrangement of {$60.00} per month on a little over {$1000.00} balance I owed to The Cash Store located in Post Falls, ID.XX/XX/XXXXwas supposed to be the next payment and it was not debited from my account so later in XXXX I made a {$120.00} payment, {$60.00} for XXXX and {$60.00} for XXXX. Granted I talked to two different people for these payments. I immediately started getting phone calls everyday and I ignored them because I know I dont owe anything until XX/XX/XXXX. The Cash Store called me from a different number and I talked to a different lady who said a $ 60 month payment plan was n't their policy on a {$800.00} something balance that has been unpaid for so long. I asked if their other employees were improperly trained and she said " apparently ''. I feel like this is harrassment because I had a payment arrangement set up between two other representatives. I 'm not getting yanked around like that so I hung up and blocked their number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX is reporting a collection account for  XXXX  dollars from  XXXX   XXXX   XXXX , a collector  for   XXXX   XXXX   XXXX   XXXX  /  XXXX   say  I was uninsured by  XXXX  for my employer  XXXX  at the time of servic e in  XX/XX/XXXX .Tha  t  is false.   In addition I had 100 per cent coverage had the incompetents billed correctly.I 'm sending a copy of my  XXXX  POLICY CHECK Cashed by my employ er 2 weeks b efore the hospital service.I 'm also sending proof that the incompetent billers refunded the insurance money paid by  XXXX  FOR ME and then sent me the bill.   I 'm being damaged severely by this ... in the end I will sue and you will be paying my extensive financial losses for Equifax/  XXXX   damaging falsehoods and phony verifications ... not to mention th at  XXXX / XXXX   is operating under CFPB supervision for 5 years from the   XX/XX/XXXX     CONSENT ORDER for  XXXX  OPERATING AS  XXXX   XXXX   XXXX  ( THEY ARE ONE AND THE SAME COMPAN Y ) DELET E TODAY TO MITIGATE YOUR DAMAGE TO ME.   acct. no. is   XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I finally learned through the media I could apply  for IBR  when for 8 years I was put into forbearance when my payments were too much with  XXXX   XXXX  /Navien  t.  Per Navient site, my payments will go up to {$350.00} per month ( also had a federal loan previously serviced through them that I transferred back to federal so I can be PSLF eligible. ) They never can tell me, nor can I locate on site, exactly how much I 've paid into my loan since I started repayment in early   XX/XX/XXXX . I am  supposed to be enrolled i n IBR n ow with automatic payments from my bank account. For a year the site has said  one  thing while a different amount is extracted but there is no record of it that I can find on the site. I am so confused. When I graduated in  XX/XX/XXXX  with a  XXXX   XXXX  degree in   XXXX   XXXX   , I h ad under   XXXX   XXXX   in student loans. Now, 10 years later, if I were to pay off all of my loans today I 'd have to write a check for about   XXXX   XXXX   even though for several years I was paying way more than I could afford ( {$800.00} per month ) which drove me into credit card debt. At no point until last year did anyone refer me to  IBR o ptions. By my rough calculations, I 've paid around {$75000.00} towards my loans in the last 9 years. How do I still owe more than what I started with?! Please help! I am almost  XXXX   years old, single, no close relatives, and I live paycheck to paycheck b/c   of student loans. I will never be able to buy a house. The earliest pay off estimate for me is age  XXXX  in  XX/XX/XXXX . I ca n't even save for    retirement r ight now. These loans have ruined my life. I 've essentially paid of more than my original balance so how do I still owe over $ 10 0k.  The repayment calculators ive used say I will have paid around   XXXX   XXXX   for my student loans -- over 5x what the original amount was. How is that possible? This is so morally wrong! Please help me. I do n't know who to go to in order to have them review my loans and what illegal practices have been committed. I really think I have been a victim of the allegations against navient /   XXXX   XXXX  . Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
My payment was due on   XXXX   XXXX   XXXX    . On   XXXX   XXXX  , I made my payment. After making my payment, they tried to withdraw the payment from my checking account which caused a {$35.00} overdraft fee. The lady I spoke with admitted she made a mistake.  Again o n   XXXX   XXXX   XXXX    , they attempted to withdraw the payment again causing another overdraft fee. I called the store who referred me to the district   manager. I have tried several times to reach the district manager with no success. I notified the store of this to which they gave me the number of the regional manager. The regional manager does not answer her phone either.
Also when you apply for the loan, they tell you your payment is monthly only l  ater to be billed bi-weekly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I applied for a  Capital One credit card and was approved. I called to activate it and they said there is fraudulent activity on the card . I just received it in the mail on  XXXX / XXXX /  XXXX   and they are telling me this on  XXXX / XXXX /  XXXX  . I asked them about what was going on and they would n't explain why. They said to go forward they need a copy of my drivers license, my social security number and proof of address. I do n't feel comfortable having a copy of my drivers license put on file with my social security number. Their data base could be breached and that would set me up for identity theft. The information that i provided them with should be sufficient enough. I only ask that they explain to me why i have to go through the extra steps. Why is not everyone required to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Summary of why I have filed a complaint to the CFPB Consumer Financial Protection Bureau. I responded with and answer and affirmative defenses. I also responded with Affirmation defenses with a request for mediation. All paperwork was filled out sent in. A check in the amount of {$170.00} was also sent in when requested to be forwarded.   I have also sent in many requests for a QWR qualified written response to the lender  Wells Fargo.  We get a standard request back stating that the questions are to board. The questions are specific to the loan that is on the address   XXXX   XXXX   XXXX   XXXX   NJ  XXXX . You will see in the packet that what was sent in was tracked through certified mail to all parties. What we are looking for is a simple request to be able to stay in our family home and can move forward with mortgage payments to be made.   I feel that our file is not being reviewed correctly because of my line of work that I am in. I have not kept any secrets of what my line of work has been. When I was asked what I did for a living I was more than open to explain in detail if the bank had asked. I have become and advocate for the people homeowners who want to keep their homes. A voice for homeowners like myself that had once fell on hard times and could not afford to pay a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: TX

Complaint narrative:
I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the XXXX XXXX XXXX account XXXX. I am going to provide the removal letter as well for my records. Also, I provide my credit report with the XXXX account on my report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  two  account on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: GREAT LAKES
State: IL

Complaint narrative:
I have been in REPAYE ( or something similar for years ). The last two years, Great Lakes Borrowing service has failed to re-enroll me timely in those programs. This despite me providing all necessary information ahead of any deadline ( this year, it waXXXX XXXX XXXX 2017 ).
This year, on or about XXXX XXXX, 2017, I provided my wife 's changed income as well as notice that she would no longer be employed in XX/XX/XXXX. I did this in order to complete my renewal request. At the request of Great lakes, on or around XXXX XXXX, 2017, I provided more documentation to support my income. They confirmed receipt of this documentation, which I also uploaded to their website. Despite my timely application and submission of documentation as requested, Great Lakes is now telling me over 2600 per month is due ; well beyond what should be due under the REPAYE program ( and significantly higher than the 400 or so dollars i was required to pay last year, when making MORE money. Again, my wife is no longer working AND we are also expecting a child / another dependent ). Great Lakes has caused anxiety and distress due to their poor handling of my debt and debt issue. I would like any and all information regarding recourse available please. May i file suit through the CFPB? NOTE 1 : having to put my loans in forbearance costs me money. and I believe I also lose the forbearance option after so much time. Concerning, if I really needed it.
NOTE 2 : Last year, on or around XX/XX/XXXXor XX/XX/XXXX 2017, the same issue occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: PA

Complaint narrative:
There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
An account is listed on my Transunion Credit Report from a collection company  XXXX   XXXX   XXXX  Account #  XXXX . Transunion has listed this account as open derogatory account with the open date of   XXXX   XXXX   XXXX   I have contact Transunion multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. I received a signed copy from the  Civil Court Judge  that this case was Settled on   XXXX   XXXX   XXXX   A year before this collection company stated that the account was open. This Closed/Settled account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on 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