vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
On XX/XX/XXXX PennyMac USA paid the incorrect tax liability to the City of XXXX. They paid the amount of {$3600.00} when the total tax liability due was only {$1000.00} ; meaning a {$2600.00} refund was due. Upon learning of the error I called PennyMac in early XX/XX/XXXX. The representative and I spoke with the XXXX Revenue Department and it was confirmed that it was an error on PennyMac 's side. It was stated that PennyMac needed to request the funds and provide the cancelled check and the refund would be provided within 6-8 weeks. 

4 months later in XX/XX/XXXX the issue still had not been resolved. I called PennyMac again in XX/XX/XXXX. They did not follow through with the initial request so a second request was created. I followed up again on XX/XX/XXXX and this time spoke to a supervisor who could not provide any more information on why the refund process was not occurring or provide any timetable to rectify the issue. I also spoke with the XXXX Revenue Department on XX/XX/XXXX which outlined the simple process and stated they had no record of PennyMac requesting the refund. 

Now my mortgage is coming up for reassessment in XX/XX/XXXX and  with such a large negative balance in my escrow my monthly payments will likely increase. It 's unfair that I as the consumer have to take the burden of mistake made by mortgage holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I knew I was selling my car to a large car dealership, I called into Capital One Auto Finance for a payoff quote. The automated system directed me to call in to speak to someone, as I had an auto payment scheduled at that time it was scheduled for XXXX/XXXX/17. I did & spoke to someone at the company, they told me that as long as the payment was received within 10 days of the quote, the payment would not be considered late. I sold the car and Capital One received the payoff on XXXX/XXXX/17. The company reported my loan as paid off but reported my XXXX payment as 30 days late. I disputed through the credit bureaus & called the company directly only to be told that they a " no good will '' policy, despite refunding me the late fee assessed. They will not change my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX/XXXX/17 multiple creditors are unable to pull my Equifax data. I called Equifax and they do not want to help me, but rather tell the lenders to call the Equifax Business Customer Service Hotline. I am also unable to pull a personal Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 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: Clarity Services
State: AL

Complaint narrative:
I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. The first occurred on XXXX/XXXX/17 by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in Tennessee and the second one occurred on XXXX/XXXX/17 by Clarity Company. I know the Clarity Company has been investigated in the past for this. XXXX XXXX XXXX is looking into this matter and because of the known past history of the Clarity Company, I did not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase Sapphire closed my credit card account with the credit limit of XXXX that I open XXXX XXXX XXXX and they closed my account XXXX XXXX XXXX for a charge off i end up moving and I never received my card and it was fraud charges that made my balance XXXX when I recently opened a XXXX XXXX for the first time to check my score and saw it, I called chase and told them about it and since I never made the charges and never received my card I requested for them to reopen the account and send me a new card they told me they was n't able to but they will start a fraud investigation and I would have to reapply again I do not want to do that and they pull my credit I should n't have to when I never made the charges and when they investigate it they will see that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I have been getting harassed by a company name Hunter Warfield regarding a debt they claim I " owe '' from an apartment building in Maryland. I 've tried explaining to them over the phone several times that the debt they are claiming I owe I do not own. I have sent them several support documents such as my I/D, current lease from my apartment building, and proof that I have been living in XXXX for the past 5 years. It was mailed out to them on XX/XX/XXXX and they received it on XX/XX/XXXX via XXXX. The latest I spoke to on the phone stated that he " did not care '' if the debt was truly mine he just wanted me to pay " what I owe ''. Everytime I try to talk to management or someone in the investigation department the reps either hang up on me or transfer me to another debt collector.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
On XXXX XXXX I originally amended my Chapter XXXX Bankruptcy to included the accounts for XXXX located on XXXX XXXX XXXX, XXXX NJ XXXX. 
On XXXX XXXX XXXX I remanded the discharge ( Case # XXXX ) to include the same XXXX accounts. My discharge was awarded XXXX/XXXX/XXXX XXXX Bankruptcy Court XXXX Court. 
XXXX XXXX has recently purchased this debt from XXXX in XXXX XXXX. 
I have sent the orginal schedule dated XXXX XXXX, XXXX, updated amended schedule XXXX XXXX, and discharge to XXXX, Convergent, and bankruptcy courts. As well as disputed this debt, with Convergence on three separate  occasions. XXXX XXXX continues to pursue this debt and report it, while further damaging my credit.

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 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
Filed consumer complaint against midland credit management with NM attorney general, the complaint, acknowledgement letter and response from midland attached. In response to complaint Midland admits their company does not keep copies of account correspondence and failed to provide a true and correct copy of the initial validation letter as I requested in my complaint. As stated in midland 's acknowledgement letter a " validation letter '' was allegedly mailed to me on XXXX XXXX, 2012, however midland instead attached a letter " template '' which provides no evidence of this validation letter existing. In their response Midland failed to provide evidence as requested in the complaint regarding the validation of this debt. Midland ca n't produce this letter because one does not exist and never has. Debt validation never occurred due to midland 's negligence and violated my rights as set forth in FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Recieved an alert detail from XXXX XXXX on XXXX/XXXX/XXXX they found report through XXXX credit agency. 

Regarding : Suit or judgement notification submitted by Navient Solitions INC. 
date filled XXXX XXXX, XXXX date satisfied XXXX XXXX, XXXX court : Navient Solutions INC Status : Grid code XXXX Case number : Navient Solutions Inc of XXXX  IN I have called Navient to discuss this matter representative was not helpfull at all and seemed he had no idea what i was speaking of currrently my loans are not in default and on auto payment through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: CA

Complaint narrative:
The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the detailed explanation required by Regulation X, 12 C.F.R. 1024.41 ( d ). 
also under the National Mortgage Settlement there is not a provision on the amount of delinquency or that 3 years being delinquent is reason to disqualify the file from review. The lender stated the because the Borrower applied and was denied in 2014 and they are 3 years past due making the borrower permanently barred from loan modification services. 
Pursuant to Regulation X, 12 C.F.R. 1024.41 ( h ) ( 4 ) we hereby request that you leave this modification offer open until a minimum of 14 days after a decision is made with respect to this appeal. We simultaneously ask that foreclosure be suspended in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).

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 2017-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Respected sir I am XXXX XXXX from XXXX and I have been fighting a litigation in the XXXX court. I am an USA citizen. I would request you to help me get the transaction made from USA to XXXX by me from the XXXX-XXXX I have tried with the banks and henceforth I am submitting to you the documents My email - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 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: NV

Complaint narrative:
I have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. 

Today on XX/XX/XXXX, 2017 I made yet another call to this credit reporting agency. I was transferred to the supervisor named XXXX employee # XXXX who argued with me endlessly that Equifax is NOT required to follow federal reporting standards of completeness and COMPLIANCE or Metro 2 reporting laws. She explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. She said they  refuse to delete the information that is being reported wrong and there is nothing she or Equifax will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. 

I have kept very accurate records since XX/XX/XXXX of 2017 of all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... 

Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Well over 2 months ago, I contacted the credit bureaus to correct an error on my credit report. XXXX XXXX responded a long time ago, removing the error. Unfortunately, I have not heard anything back from Equifax or XXXX yet ; despite several attempts to follow up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Associates Loan Servicing LLC
State: CO

Complaint narrative:
XXXX XXXX, 2017 ATTENTION : FINANCIAL CONSUMER PROTECTION BUREAU First Associates U.S. Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : [ ACCT # XXXX ] ATTN : First Associates U.S Education Loan Servicing department LOAN DISCHARGE APPLICATION : SCHOOL CLOSURE XXXX : XXXX XXXX XXXX OF XXXX, TN Dear FIRST ASSOCIATES & FCPB, First and foremost, I would like to bring attention to an interaction on XX/XX/XXXX where a concern was placed regarding potential forgiveness on the aforementioned account. I was met with a very unprofessional response from XXXX who told me, You can let it go to collections if you want. Whether you pay this or not, it is business as usual. This was an unnecessary comment. Not only have I been paying my minimum, I have been paying more than the minimum on my loan for over a year. I have never been late on a payment. 
Secondly, I have been subject to a chain of predatory student lending. XXXX XXXX set up a business plan that pressured students into taking out high-cost private loans. Their method was to use in-house credit to meet gaps between the cost of tuition and the maximum federal student loan disbursement. 
In conjunction with unsatisfactory education, educators, equipment, and communication, I am requesting full acquittal of the account. 

Education was poor quality and was limited to partial demonstration of real world application. 
The educators were not equipped to teach the classes they were teaching for in majority cases. 
Equipment was outdated, running on older systems, including the need to save files to previous versions so compatibility issues did not occur. 
The institution promised a continuing education in game design upon completion of the XXXX XXXX program. Less than one month prior to the completion of the XXXX program, I was informed the school was no longer continuing that academic direction and dropped the classes they prepared me for. There were no alternative options provided to me for that academic plan of study.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC.
State: SC

Complaint narrative:
AFNI rep XXXX stated that once I made a payment over the phone with a XXXX or XXXX that AFNI would send me a letter stating that my account with XXXX  would be removed from my credit report. He stated the letter would have the AFNI company logo and letter head. This conversation took place on Wednesday, XXXX XXXX at XXXX EST. 

The AFNI website clearly states that after I pay my debt, the account will not be removed from my credit report. This can be found at the following URL https : //www.afnicollections.comXXXX He then continued to insist that I give him a credit card to " start the process ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I 've tried several times unsuccessfully to have some inquiries removed from my credit report as they are reporting inaccurately. I finally spoke with an agent who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I was told that my credit report would be updated in 24 hours with these inquiries removed. On today XXXX/XXXX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!

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 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: MD

Complaint narrative:
XXXX calls REPEATEDLY : EVERYDAY, SEVERAL TIMES A DAY, ANYTIME OF DAY OR NIGHT and has been doing so for at least a year. I reported them before ; they stopped calling periodically. Since then, I HAVE BLOCKED THE number. With the initial call, I responded that I have no debt with their company, please remove my number, and that our number is on the Do Not Call Registry. All for nought! This has got to stop! This is a household of elderly persons -- if anyone really gives a XXXX -- with one who is XXXX XXXX!! This is s-o sad that taxpaying citizens must endure such horrific ( and unnecessary ) harassment!! Getting rid of landline phones is not an option for the majority of ELDERLY persons!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Filed consumer complaint against XXXX XXXX XXXX with NM attorney general, the complaint, acknowledgement letter and response from XXXX  attached. In response to complaint XXXX admits their company does not keep copies of account correspondence and failed to provide a true and correct copy of the initial validation letter as I requested in my complaint. As stated in XXXX 's acknowledgement letter a " validation letter '' was allegedly mailed to me on XXXX XXXX, 2012, however XXXX instead attached a letter " template '' which provides no evidence of this validation letter existing. In their response XXXX failed to provide evidence as requested in the complaint regarding the validation of this debt. XXXX ca n't produce this letter because one does not exist and never has. Debt validation never occurred due to XXXX XXXX negligence and violated my rights as set forth in FDCPA.

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