vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-25 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: AES/PHEAA
State: GA

Complaint narrative:
I filed a CFPB complaint earlier this year because Fed Loan Servicing changed my payment plan doubling my monthly payment when I had not requested a change. This dispute was resolved, but I recently found out that Fed Loan Servicing has taken away loan forgiveness credit for several payment that I made while employed as a public school teacher. I made three payments of XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which was almost double what I should have been paying due to their mistakes, but I was not given credit for Public Service Loan Forgiveness because Fed Loan retroactively and fraudulently changed the dates and amounts of the payments that I made. They also denied credit for other payments due to their " cooking of the books '' for lack of a better phrase. The payments reflected on their website in my account do not match the payments that they received from me through XXXX XXXX XXXX XXXX account details will be attached ). I want my public service loan credit. My account was not in any type of forbearance when I made these payments as their employee XXXX ( # XXXX ) says. Please look into this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We did not receive any information that our Jr. loan was a balloon mortgage ; we had no notification that it was coming to maturity ( whatever that means ). We didn't know what a balloon even was. We have our payments automatically drafted out of our accounts and in XXXX I received a text that we are behind on payments which confused me because all payments were drafted automatically. I immediately called Mr. Cooper to find our what was going on and what was a balloon. The explanation given that is what we signed up for it 15 years ago. First of all, once a balloon was explained to us, we would have never agreed to pay in full what was left on the loan. No way would we ever agree to pay {$17000.00} in one payment. I asked them why I wasn't mailed a letter or notified this was going to happen the first XXXX. Mr. Cooper stated that they sent emails and listed on our account. The only physical letter I received was that our Sr. loan payment was going up starting in XXXX, so I let our bank know. We didn't receive any communication on the smaller loan until I received a text saying we are delinquent on our loan payment and to call. That's when I called and found out we had a balloon loan and what it was. They told there is nothing they can do except sell my home and use the equity to pay off the loan. I shred with them that's not an option. I asked if there was way to continue to pay as we have been for the past 15 years and they said no. My complaint is that I didn't receive anything paper or email ; but they sure knew how to text me when I was delinquent on paying {$17000.00} on the spot. Now we are in a situation of losing our home ; not an option! I don't have any papers or emails to send to attach to this complaint because we didn't receive anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
on or about XX/XX/2019 I Had talk and email exchange with XXXX XXXX from XXXX. About purchasing service in future which calls FSD ( Full Self Driving ) capabilities. I was quoted by her and through also email {$2000.00} plus tax. She said either can be purchase through her or through my XXXX account which indirectly bills my Citibank master card ending XXXX. 

However, when I learned that I was being charge {$5400.00} which is {$5000.00} plus 8.25 % Texas sales tax. I called and emailed various people in XXXX with no luck. At point I kept Citibank on loop all the time when this happened. Citibank asked me to give them particular time to may be 10 days to issue a credit or I will dispute the charges with Citibank. 

After not getting any where with XXXX, I open dispute claim with Citibank for overcharging me then what was quoted. I provided all the email all email communication with XXXX including talk that email stating what should it be charged. 

My disputed was noted wrong with Citibank instead of overcharge it was noted as credit due and Citibank keep on asking me for receipt of credit slip in order to get dispute in my favor.

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 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
There are 2 Collection on my credit report. 
Jefferson Capital Syst XXXX XXXX XXXX XXXX XXXX XXXX I settled with Jefferson Capital on XX/XX/19 I sent a copy to to XXXX XXXX and to XX/XX/XXXX Showing it was paid but its still on my credit report and it shouldnt be

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 


1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX * ACCOUNT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Ive tried to refinance my loan with capitol one because of my interest being so high. It was impossible for me to keep up I was drowning. I moved back home to try to save money and get back on my feet. I had health issues and been drowning in medical bills. I couldnt make my full payments so my car was repoed. Devastating to me. Been struggling for 2 years now trying to get out of this debt. The dealership sold me a lemon car and I couldnt afford a lawyer. Not only was it a lemon I didnt realize how interest worked. I didnt realize my percent was so high. I thought I got a great deal at the time but came to find out I was cheated. Please help. Im trying to get back on track and move into my own place but cant with my credit. Currently paying off medical bills

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
XXXX XXXX XXXX , XXXX XXXX XXXX for XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX Mortgage Pass Through Certificate claims a debt is owed to them. They initially attempted to foreclose stating they were the owners of the note. The appeals court ( 3 judges ) ruled against them as they do not have standing and do not own the note and/or mortgage. In an attempt to claim equity rights to the note the original judge ruled against them in favor of us. We have requested a validation of debt, several time per the FDCPA act and they ( XXXX ) can not provide a validation ( agency must send you proof that it owns or has been assigned the debt by the original creditor ). If the debt collector does not send sufficient proof of the debt, it is not allowed to continue collecting the debt from you. They are in denial of the order dismissing the case ( attached ), that required proof and their claim of equity and holder of note and mortgage. In addition, they may be in violation of additional FDCPA provisions including but not limited to providing loss mitigation options. The owner will not answer this complaint as they dont own the debt. We have sent several debt validation letters to XXXX, PHH & Ocwen, and to their 2 Attorneys ( XXXX XXXX & Re : XXXX XXXX XXXX XXXX ) all who seemed to be in violation of the FDCPA as their client ( s ) can not show the debt belongs to them. Please review the orders vs their frivolous statements from the court. 

In order to be obligated to pay a debt the lender must prove they own that debt. XXXX is not acting reasonable and in good faith to resolve their dispute. To prevent unnecessary litigation we are willing to resolve the matter reasonably and in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: FL

Complaint narrative:
Multiple accounts are reporting on my credit report that is not correct 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**** XXXX/XXXX  XXXX**** XXXX XXXX  XXXX   XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns called me over 3 times a day from different phone numbers in attempts to collect debt. Did not stop until I was forced to change my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MS

Complaint narrative:
InXX/XX/XXXX, I applied for a XXXX account and I didn't know about the predatory interest rate that came with the credit account. I became the only working member in the household of XXXX in XX/XX/XXXX due to my husband becoming ill and could not afford the payments. The account was late for 3 months then sent to collections/charged off. On my credit report XXXX has 3 different reporting, consisting of account # XXXX, # XXXX and JeffCapsys XXXX, which is collection agency. I agreed to settle the account with them for {$600.00} and they sent a letter for paid in full. They then listed the balance ( {$730.00} ) of the account on my credit report instead XXXX the account as promised. The reporting of when charged is changed twice and then listed as this year instead of XX/XX/XXXX.  Please help me to resolve this issue with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I tried to call them 22 times and they keep hang up on me .transaction date of XXXX XXXX XXXX XXXX is right, transaction date of XXXX XXXX of XXXX is right XXXX XXXX XXXX  of XXXX is wrong justanswer membershp XXXXis wrong. so it show that XXXX is do not XXXX that is to be taken out. They also list my card as stoning I cut that thing was cut up by me.ie us bank.

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 2019-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
After a purchase was made XXXX XXXX furniture in XXXX ms a XXXX XXXX Franchise. From the beginning I had problems with a couch that was defective. They refused to make it right and take care of the order was not right and it had defects in couch was corded and waves in right arm, they stated it would cost them to much to send back to manufacture to fix. 
I contacted them several times in Regard and sent there managers XXXX photos showing the flaws and he Looked at them and seen the problem but he never fix it or called back to make it right and XXXX stayed they would not pick up the couch and they never did left the couch and never picked it up. The bank that finance the couch agree that they sold me a bad couch so they decided to make it right and reverse XXXX   XXXX on the disputed e XXXX XXXX they decided that they get the amount me even after they had time to dispute it. So they turned it over to advance recovery services of XXXX Mississippi. This is not right and should not have to pay for something that was not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I was checking prequalified offers through my XXXX XXXX app. It clearly stated it wont impact my credit score and a hard inquiry wont be used. A complete contradiction to what actually happened.

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 2019-08-25 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: FL

Complaint narrative:
I DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: FL

Complaint narrative:
Multiple accounts are reporting on my credit reports that is incorrect 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  XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX   XXXX****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25 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: MRS BPO, LLC
State: NY

Complaint narrative:
XX/XX/19 : Paid XXXX XXXX what should have been my final bill but still received a subsequent bill.

XX/XX/19 : Switched from XXXX  XXXX to new service.

XX/XX/19 : Returned all XXXX equipment to them.

XX/XX/19 : Received final XXXX Bill. Called immediately to dispute charges but was unable to get immediate assistance.

XX/XX/19: Took the day off from work and was finally able to reach a representative who explained the bill. Still didn't agree with the explanation but we could not come to an amicable agreement. I explained that my contract buyout was in process and that I would pay the bill by XX/XX/2019.

XX/XX/19 : Received email notice from MRS BPO , LLC, XXXX had assigned them the account. MRS BPO provided 2 payment options. I opted to make 2 payments of {$220.00} due XX/XX/19 and XX/XX/19. I made my first payment XX/XX/19.

XX/XX/19 : Called MRS BPO to clarify payment agreement because I received a notice which stated the option I chose would not pay the bill in full. Representative said the option had expired on XX/XX/19 but there is nothing in their records that shows this and the rep agreed to accept the final payment. She assured me that my bill would be paid in full and accepted my credit card payment by phone. 15 minutes later I receive notification that she placed the account on my Credit Record. It dropped my credit score by 54 points. I am in the process of buying my retirement home and this can either impact my interest rate or lead to me being denied for a mortgage all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: FL

Complaint narrative:
I DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.

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 2019-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DISCOVERED SEVERAL ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED & WOULD LIKE ALL ACCOUNTS BLOCKED AND DELETED.

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 2019-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
On Monday XX/XX/2019, I noticed that my wife had an alert on her credit file from a collection company. The Debt was in reference to a apartment contract that was not fulfilled " supposedly ''. I called Rent Recovery Solutions LLC in reference to this matter. I spoke with a lady and told her that my wife was not a lease holder on the lease that she was only a occupant per the lease. The lady reviewed the lease and confirmed that my wife was only listed as a occupant but then she stated that my wife was still responsible even though she was not a lease holder. I asked how is that possible when the contract was only between Me XXXX XXXX and the Landlord/ Property management company. She stated that the law says anyone listed as a occupant over the age of XXXX is contractually responsible for the lease. I told her that was false and that the contract was between me and the property. The lady became really rude and I then asked to speak to a supervisor. The supervisor basically echoed what the represenative said. She told me under Georgia law that anyone over the age of XXXX that is listed as a '' Occupant '' is contractually responsible for the lease. I know this statement to be false and she quickly rushed me off the phone and said they aren't going to do anything about the account being on my wife 's credit report even though my wife never signed anything pertaining to the apartment in question. Because of this my wife has been denied credit and her credit score has suffered. I also told the Supervisor that the amount was wrong and that I gave more than enough notice to the property pertaining to me not renewing my lease. I told the lady who I gave it to as well. I know that at that particular property they were having a lot of staff turnover and everything was lost in translation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: FL

Complaint narrative:
Multiple accounts are reporting on my credit reports that are incorrect XXXX/XXXX   XXXX**** XXXX XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25 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: GA

Complaint narrative:
I DISCOVERED NUMEROUS ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BELONG TO ME, WHICH MEANS I WASN'T THE ONE THAT OPENED THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief