vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA
State: PA

Complaint narrative:
AES is being deceptive on their stance that they are not breaking the law while maintaining that they're not harassing me when they make daily phone calls because an account is delinquent. 

Pennsylvania Fair Debt Collection Practices Act 2270.4. Unfair or  deceptive acts or practices. ... ( 4 ) A creditor may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. 

*indicates that an event or similar event in nature has occurred ( i ) The use or threat of use of violence or other criminal means to harm the physical person, reputation or property of any person. 

* ( ii ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

( iii ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( a ) ( 3 ) of the Fair Credit Reporting Act ( Public Law 91-508, 15 U.S.C. 1681 et seq. ).

* ( iv ) The advertisement for sale of any debt to coerce payment of the debt. 

* ( v ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. 

* ( vi ) Except as provided in paragraph ( 1 ), the placement of telephone calls without meaningful disclosure of the callers identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Received duplicate billing for same month. Suspect, in that I pay a month in advance. New home built and mortgage sold to Wells Fargo. Payed first mortgage payment on XX/XX/2018 with check # XXXX for payment due XX/XX/2018. Payed second mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed third mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Payed fourth mortgage payment on XX/XX/2018 with check # XXXX for payment due on XX/XX/2018. Then received a duplicate bill for mortgage due on XX/XX/2018 on XX/XX/2018. I  received another bill for mortgage due on XX/XX/2018 on XX/XX/2018 and opened both. I immediately called Wells Fargo Home Mortgage at XXXX ( on XX/XX/2018 at XXXX XXXX  ) and ended up talking to three individuals the last named XXXX XXXX from " The Presidents Office '' whom became so defensive that he interrupted me 4 times and became crass I hung up. I requested, multiple times, he explain to me why I received duplicate bills when I pay a month in advance and that this action on the part of Wells Fargo is unacceptable. Mr. XXXX would not address the issue at any point nor provided an explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
On XX/XX/XXXX my father received a call from XXXX he was questioning about my where abouts and where I lived at. He told my father that was offering a job and was trying to get general information about me. I dad finally realized that this was not an employer and told him to stop calling he. He then began to hostile and my father hung up. 
The same number has contacted my mother more then 10 times  through out the day between the hours of XXXX-XXXX. He has threated her and told her that if she does not provide information about me he will pursue legal action. on numerous occasions my mother has told him to stop calling and harassing her. He called again on XX/XX/XXXX at XXXX and has threated her and harassed her. 
on XX/XX/XXXX at XXXX he contacted my work spoke to a student assistant and demanded to know if I worked there and the work site address. The student assistant provided the worksite address thinking it was regards to work. The phone call was transferred to my desk, and I explain XXXX XXXX XXXX to stop harassing my parents, sibling and friends. That my parents will be will be calling the police department in regards to harassment. I told him to stop calling me and hung up. 

I'm not sure who this person is, he is falsifying and pretending to be someone an employer, just to get information on me. It has been over a year and he continues to harass me. It has gotten to the point that he has contacted my employer. This is unacceptable. 

XXXX XXXX XXXX XXXX, XXXX XXXX is the information I have on this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX  has and is currently using abusive, harassing language almost on a daily basis. They have gone as far as to use other phone numbers, names and other telephone numbers in order to disguise who they really are. When they call they never leave a message and or when you answer there call they immediately tell you they are going to sue you. 
Other telephone numbers XXXX XXXX XXXX has used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and there are a few more. This doesn't appear to be a reputable, or honest company. 
They persistently call 5-8 times a day, and even on Saturdays and late evening Sundays at XXXX. On Saturday XX/XX/2018 at XXXX they called. They will call never leave a message. The few times I have answered they will never identify themselves and or will start telling you that their going to sue you and take you to court. The only reason that I know it is Portfolio Recovery is my caller ID on my phone will pick up their name. 
They are using illegal measures to collect on things that I have no information about. Debt that I am not aware of. Several years they did take me to court trying to say that I had never paid a credit card off when in fact I had. When it went to court the judge removed their claim citing that I had a receipt for the amount owed. They are criminals, that lie and abuse the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio had a debt from a XXXX credit card. It was referred to an attorney XXXX XXXX XXXX  who accepted payment on behalf of their client ( portfolio ). The original balance was {$5600.00}. I settled with a payment for {$3900.00} on XX/XX/2018. I spoke with XXXX XXXX at XXXX ext XXXX. XX/XX/XXXX states that once the account was paid it would close with them then turn back to portfolio to close the account. I asked if they would delete the collection from my credit report. She told me they would. I asked this question twice. To which I was told twice once paid the collection would be deleted. 

Now the balance on my credit report is showing the payment I made. It is not showing a XXXX balance. It is also still showing as open collection. 

I contacted portfolio by email to which they have not responded to me. 

This matter needs to be fixed. I have the recording of where the associate told me the account would be deleted. A lawsuit will be filed against portfolio of this matter is not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 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: AZ

Complaint narrative:
EQUIFAX is the company. 

They have confused my identity information and blocked the credit profile with them and noted it as a fraud alert. I started XX/XX/XXXX calling, speaking to people, faxing, and mailing. When we spoke to Equifax on XX/XX/XXXX and they told me all we needed was to create a profile with them which I did with them. Then on XX/XX/XXXX when our mortgage company said the problem was not fixed I spoke to Equifax again and they told me to send a cover letter, copy of license, and copy of social security card. I first faxed them the required documents to verify my identity XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We mailed the paper work XX/XX/XXXX regular mail and sent it certified mail that arrived XX/XX/XXXX @ XXXX. Weve called countless times throughout this time to verify that they received it these documents and to find out when they would resolve it. Weve had their employees say that they were still waiting on the documents and others saying that they did not have them after they told us they did and after it was sent certified. Weve also tried speaking to supervisors but they also been just as unhelpful in resolving this frustrating issue as we need this removed to buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: FL

Complaint narrative:
I have a situation with a creditor who I believe is illegally re-aging a debt. The debt was originally with XXXX XXXX XXXX XXXX, then was sold to XXXX XXXX XXXX. I'm not sure of the date that it originally went to collections, but it may have been as early as XX/XX/XXXX. I have never made any payments or promises to pay, but it was removed from my XXXX   and Equifax credit reports, then put back on with a new account opened date of XX/XX/XXXX. I don't want the statute of limitations to start over, so could you help me correct this? Any help would be much appreciated. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have twice XX/XX/18 and XX/XX/18 to have my consumer file updated and they keep reporting the same incorrect information. 

They have names, addresses, insurance companies and a bankruptcy that doesn't belong to me in my consumer file. 

I am not sure whom they are verifying this with but it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NH

Complaint narrative:
This was an account with XXXX that I closed. I returned the phones to a private XXXX store and apparently the owner sold or did not return them. He is no longer in business. XXXX was notified and sent my account to collection knowing this owner did this to many customers. They sent my account to collection and I disputed it. It was closed and removed from my credit report. Two months later the collection was sold to another creditor for the same amount of money. I have disputed that months ago but no reply and its still sitting on my credit report. Im an identity theft victim and these accounts keep showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Local Data Recovery, LLC
State: KY

Complaint narrative:
On Friday, XX/XX/2018 a woman named XXXX XXXX ( Local Data Recovery/XXXX XXXX, not sure which one she works for she says one thing and then it shows on my bank as another name ) contacted my mother and told her that her company was going to be filing a legal suit against me for defrauding a bank and that if I didn't contact her by XXXX she was going downtown. My mom texted me her number, and I called. She was calling to collect on a valid account I do owe, she told me the sum was $ 900+ dollars and they were willing to settle, however if I didn't pay ASAP she would be going downtown. I paid {$190.00} on Friday and agreed to pay another {$190.00} in a couple weeks. On Sunday I decided to run my credit report, because I regularly run my report because I'm trying to fix my credit to buy my mom and me a house. Over the summer I had talked to another company, XXXX XXXX, about the same account for XXXX XXXX, and I know debt companies often sell the debt to other companies, but the company I talked to over the summer was still reporting the account, and I thought that was odd. I called them on Monday and asked them if they'd sold my debt to another company and they told me no, that in fact it was still valid with them and that XXXX might have been running a scam. I canceled my debit card to make sure that no money would be taken out without my permission, especially if this was a scam -- which I believe it to be. I called them Monday ( XXXX-18/yesterday ) and spent an hour on the phone with them, trying to figure out why they were reporting the same account for almost triple the amount, the woman was rude telling me that companies buy and sell debt all the time, which I already knew. I mentioned to her that I believe her company to be a possible scam and she replied 'a scam is something you don't know about, you know about this debt '. I would like this company to stop all further contact with me and refund the money they stole. My bank is already disputing the transaction with the company to refund my money. I find it unbelievable that two companies would report two the exact same debt at different amounts. I've never been in this situation so I really have no idea what to do. 

I do have a document I signed, however I am unable to currently attach it ( using my work computer to submit this and we can't use XXXX ).

Company response to consumer: Untimely response
Consumer complaint received 2018-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been contacted several times by phone by a Mr. XXXX at Sallie Mae. I have sent two letters in the past asking Sallie Mae to cease calling me and to contact me only through mail. Sallie Mae only wants to talk to me about my " options '' through the phone. They continue to call me and my mother throughout the day while I am at work. I want to have my options written out on paper where I can see what my options are, and I can respond by letter. I am making payments, albeit the payments are not the {$5000.00} dollars they would like from me monthly ( as I can not afford this amount, and I do not even make half this amount monthly ). I have spoken to their customer service agents on many occasions, of which I've detailed several of those conversations on CFPB, and they do not offer any services that will assist a XXXX working class American, such as myself. The lowest they could ever lower my payment was just over {$1000.00} per month. I can not afford that payment, and I do not have relatives or friends to assist me in that payment. Given that this is my loan, and not a friend or relative 's loan, they do not have to. Additionally, we live within similar financial classes, and they couldn't help me even if they wanted to. 

What would help rectify this situation? For Sallie Mae to cease calling and to send all their correspondence by email with details of all my options written out. I would also like an option to respond by letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: First Reliance Holdings LLC
State: SC

Complaint narrative:
On XX/XX/2018 I reached out to my mortgage servicing company, First Reliance Mortgage, and requested information for having PMI removed from my loan. I explained that I believe the value of my home has increased sufficiently to put my LTV around or potentially under 80 % LTV and would like to know my options for removing PMI. I was advised by the representative on the phone that there was no one I could speak with over the phone regarding the analysis of my loan 's LTV situation but that she ( the representative ) would put in a request to the appropriate department to have them send me information through the mail detailing my options for PMI removal. Approximately three weeks later, I received the written details of my options for PMI removal in the mail from First Reliance Mortgage, in which they detail that they require a full appraisal to be ordered ( cost : {$450.00} ) to validate my home value -- rather than offering the more affordable alternative option of having a BPO ordered on the property. This seems to constitute a predatory servicing practice, since the XXXX XXXX website says that a BPO can be ordered to establish the property value for the purpose of removing PMI from the loan. I would like to know why my only option for removing PMI on my loan that they are offering is the more expensive option ( Full Appraisal ). Unfortunately on that initial phone call to the servicer it was made clear to me that there was no department I could speak to at the company who would be able to give me any details, all of it would be handled through written communication.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have tried filing a dispute regarding info on my credit report just last month. I show that in my report I asked all three credit reporting agencies. I have a XXXX XXXX   account not reporting correctly at all- trans union shows past due late payments when it reflects a balance of XXXX. I can not make any payments in an account without a balance. This account needs to be updated removed because there obviously isnt a debt I owe to this company. I feel all three agencies needs to report the same info and/or be corrected. I have an account XXXX XXXX XXXX that was recently removed from transunion report however my equivalent is incorrectly reporting the account as if it is mine. Please correct my credit report this is affecting me trying to acquire a home for me and my child due to incorrect info 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
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018, I was assessed {$100.00} in overdraft fees by Regions Bank due to three checks that were cleared. However, I believe that Regions Bank rearranged the order of the checks so in such a manner that would maximize the fees charged. On XX/XX/2018 I received a direct deposit and I believe that Regions retroactively assessed the overdraft fees.When I checked my balance on XX/XX/2018 I had enough money to clear the checks that were presented. However, on XX/XX/2018 I checked my balance and noticed that the aforementioned fees had been assessed. I believe that Regions Bank cleared the checks on XX/XX/2018, posted them to my account on XX/XX/2018 in order to be able to assess the fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
2 Late payments from XX/XX/XXXX& XX/XX/2015. I was going through financial hardship due to my girlfriend being XXXX and unable to find work. I then lost my job dealing/helping my brother who was then diagnosed with XXXX. I have sent multiple goodwill letters and emails with no response. I have not been late since and all my payments have been on time with low utilization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 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: Nelnet, Inc.
State: UT

Complaint narrative:
Nelnet accepted my payment online for {$200.00} through my checking account which is also my credit card its the same account then they refunded the money. I was on a low payment plan because I was laid off but that was set to expire which means my payments would go up to {$600.00} a month I cant afford that. Meanwhile I am gaining interest of around {$500.00} a month I owe {$65000.00}. Upon graduation XXXX said I owe them XXXX more dollars and never gave me my XXXX degree I have no transcripts and no degree and the school has closed. I cant get a job because Im a XXXX I shouldve never been approved for the program in the first place. I am driving a truck and have been since XX/XX/2014 when I graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I contacted XXXX  XXXX credit and questioned them about my 0 % introductory APR. I had been being charged interest on my purchases and wondered why. If you go to the website like me, I saw a specific line that said 0 % introductory APR for 12 months. This was the reason I opened the card. I was told over the phone that this only applied to balance transfers. When you look at the website, you see were they write about the balance transfer APR. Directly below the bolded balance transfer info there is another bolded statement that says 0 % introductory APR for the first 12 months. I assumed that to mean that this meant upon account opening on all purchased items. Ive taken a picture of the website so an official could review the writings and misleadings. I feel that the marketing trick here was to bait me into believing it meant on purchases and balance transfers with the use of separate lines in bold on the website. I wish to have what I believed I would receive which is 0 % APR for 12 months on all purchases. Thank you for looking into this scheme.

Company response to consumer: Closed with explanation