vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
HELOC with XXXX was transferred to Specialized Loan Servicng of XXXX XXXX Colorado. HELOC was paid off on XX/XX/XXXX. Specialized Loan agrees that it wa satisfied. XXXX County Wa records office is still showing the debt on the county record. It is file number XXXX. Amount is {$69000.00} recorded on XX/XX/XXXX. XXXX has gone out of business. Since Specialized Loan agrees that the HELOC was paid off, I do not understand why they do not notify XXXX County Wa. Although they say they already did this. XXXX XXXX XXXX XXXX XXXX Wa is the property address.

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 2017-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Contacted Phoenix Financial via telephone stating that the account XXXX XXXX XXXX for the amount in {$1100.00} does not belong to me. It belongs to my mother in law who shares the same name. I have spoken to the original collector XXXX XXXX XXXX XXXX and they verified that the debt does not belong to me that the social does not match the account sent to Phoenix Financial. Phoenix Financial has been no help they simply told me to file a police report. Phoenix Financial is now claiming that they are the original collectors when they are not. This account is being report to the credit bureaus and is negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Placed an order with XXXX in XX/XX/XXXX for fig trees to be shipped in XX/XX/XXXX. It 's XX/XX/XXXX, and shipments were nowhere to be seen. Seller does not respond to emails, and does not have a valid phone number to be reached. Contacted PayPal, and case was closed due to over 180 days. PayPal had suspended the seller 's account long ago due to fraud, and yet failed to contact buyers that had made purchase with seller. PayPal refused to refund buyer using their 180 day policy even knowingly there was a fraud with seller Seller : XXXX XXXX aka XXXX XXXX aka XXXX aka XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank dba XXXX charged my credit card {$20.00} for a XXXX XXXX 2017 purchase from merchant XXXX. I did not recognize and formally disputed the charge, specifically asking for a copy of the charge. Citibank XXXX responded with a letter stating that it " had requested a copy of the sales receipt for the disputed transaction from the merchant ... .they have not sent a copy of the charge to us. '' Despite the lack of documentation, Citibank XXXX wrote " we consider this charge to be valid '', offering no proof whatsoever. And, Citibank threatened to " report ( my ) account as past due to the consumer reporting agencies ''. This is collusion between Citibank and XXXX. It is against the public interest for a bank and its credit card subsidiary to seek payment without any documentation of a charge.

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 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Tuesday, XXXX XXXX, 2017 I tried to use my Bank of America credit card to make a payment of {$750.00} to XXXX XXXX to purchase a flight to XXXX. This transaction was declined WITHOUT a representative from the financial institution calling me to confirm that I was, in fact, trying to make this payment. I had n't even reached 20 % of my credit limit for the month, and even with the purchase, I would still have 80 % of my credit limit remaining. I have never encountered an issue like this before. My credit score is higher than XXXX and I have never missed a payment! This is absolutely unacceptable and I feel that their practices are predatory.

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 2017-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NRA Group, LLC
State: NY

Complaint narrative:
I have been working with XXXX since XX/XX/XXXX. They successfully removed several negative items from my credit report. Within the last 30 days XXXX XXXX XXXX has put 5 collection accounts back onto my XXXX and XXXX credit report, and 2 accounts back on XXXX that were removed. That is 12 negative collections that were removed, that were put back onto my report ... ..They changed that Account numbers, but they are identical accounts, amounts, and open dates .... Removed From on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX XX/XX/XXXX No date listed but removed I know three accounts were removed from XXXX around XX/XX/XXXX, but i 'm not sure which ones as i am waiting on XXXX XXXX to send me a more detailed report then what i currently have access to. I can provide that report once I am in possession of that. XXXX XXXX added these removed accounts back onto my credit reports under different account numbers on : XXXX XXXX XXXX XXXX XXXX XXXX - {$4300.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - {$890.00} - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$120.00} - XX/XX/XXXX NA XX/XX/XXXX XXXX XXXX - {$110.00} - XX/XX/XXXX NA XX/XX/XXXX This is UNETHICAL and harassment ... ..I have worked very hard to get these medical collections removed from my credit report, and I have paid a lot of money to XXXX XXXX to do so. XXXX XXXX confirmed that the origional accounts all started with 3 ... .Now the duplicate accounts all  have account numbers starting with 8 I am attaching a credit report from XXXX XXXX XXXX with the original accounts numbers starting with a 3, and a report from XXXX XXXX showing that this company created duplicates of these removed accounts with different account numbers starting with 8 .... I want XXXX XXXX aka XXXX XXXX XXXX to be investigated, and to take every step possible to shut this type of company down!!!

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 2017-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: NE

Complaint narrative:
Repeated phones starting XXXX XXXX 2017. Since that day they have called me 43 times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
We are trying to refinance under the HARP program and we are having a difficult time getting financed because Wells Fargo is not reporting our payment history to the credit reporting agencies after or during our Chapter XXXX BK. We have tried to contact Wells Fargo many times starting on XX/XX/XXXX spoke to XXXX XXXX in the BK department and opened a work order to have XXXX XXXX reach out to all three bureaus and report our credit history after our Ch. XXXX discharge and send a letter to us that they reached out to all three bureaus and are reporting accurately. We called back on XX/XX/XXXX and spoke to XXXX at Wells Fargo to check status and did not get an update but assured us that he opened another work order to start having the mtg history report our credit history and will send a letter to us to confirm they are reporting to all three bureaus. XX/XX/XXXX, spoke to XXXX and was told it is still under investigation. On XX/XX/XXXX, spoke to XXXX XXXX in corporate office and he will open another order to make sure mortgage history is reporting accuratlely and will continue to do so to all three bureaus along with sending us a letter that they are reporting to all three bureaus. We followed up several times after and was told that it is still being investigated with XXXX XXXX at Wells as she needs more time. Today, we received a letter from Wells Fargo stating that They report the status of our account to consumer reporting agencies as it was on the date we file Chapter XXXX BK. We continued to report that same status until the Chapter XXXX BK was discharged ... Our discharge date was on XX/XX/XXXX and Wells has stopped reporting since XX/XX/XXXX. We asked when will they start reporting again to all three bureaus that we are on time after the BK. XXXX XXXX 's answer was if we want to open another work order. Please advise as we do not know what to do at this point since the same concern has been addressed with Wells Fargo many times and no response as to or when they will start reporting to all three bureaus.

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 2017-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX ( I have no knowledge of this account. ) 2. State Of XXXX/ Collection Unit ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) 4. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been valdated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.

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 2017-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I took out a student loan in XXXX for {$9000.00} and graduated in XXXX although I was short a 3-credit course that my advisor did not tell me about until a month before this graduation. The university was aware of this error, I was allowed to graduate but was not awarded my degree. I began working and decided to go back to school in the near future to complete my degree. Going back to school turned into a hardship because I did not have the extra money for my class. My student loan was placed on a forbearance plan, my co-signer helped me make payments while I was employed part-time temporary and unable to make the designated payments. After years of paying interest payments my student loan debt grew into a massive {$13000.00} with a 10.25 Variable interest rate! I started full-time employment in XXXX of XXXX, I called Navient requesting to refinance the loan and to release the co-signer. Navient told me that they would NOT release the co-signer until I completed my degree and made 12 consecutive on time payments. My complaints : Not being allowed to release my co-signer and not being offered an income driven repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have received numerous calls from this company and they never left a message until today. I returned their call as at this point I was curious as to how they had my phone number.They were inquiring about my neighbor ( which we do not speak to ) saying it was a personal business matter. I have n't spoke to my neighbors in over a decade. they said they had me listed as an associate i.e. living with them. This is Pioneer Recovery and they DID NOT and DO NOT HAVE BUSINESS WITH ME! I am on the DO NOT CALL REGISTRY. They were just fishing for information and they made it sound like she was in dire trouble and that her husband could n't know. Well, they did n't get any information this time. This is deceitful and quite frankly a waste of my time. This has nothing to do with me.

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 2017-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
I have an unverified account from MEADE & ASSOCIATES. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOCIATES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Oracle Financial Group LLC.
State: NV

Complaint narrative:
Oracle will not send me by mail a letter stating original loan company, original loan amount, current amount owed and receipts for all of the payments already made to Oracle. Now receiving threatening phone calls by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ( he says he 's affiliated with Oracle ). He called me 3x the first day along with calling my employer. Started calling me the next day at 5:57 am.  When I returned his phone call he was rude, threatening me that he was going to tell my employer that I 'm being charged with federal bank fraud ...., every time I speak to him he threatens that he 's going to have me arrested for fraud and take me to court. I have told him 2x that he can not call me at my employment and he continued to do so. I asked him numerous times to provide me by US mail a copy of the debt with original loan amount, the amount owed etc and he gets belligerent and does n't let me complete a sentence saying I 'm trying to still. I was advised by an attorneys office to reach back to Oracle to get some info and they will not return my email or phone call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: U.S. BANCORP
State: CA

Complaint narrative:
I have closed my credit card with XXXX XXXX and have arranged agreement for monthly installments paying monthly {$21.00} to pay off my balance. Couple of weeks ago I have checked my credit history with XXXX where I noticed that for the past seven months they have been accepting my {$21.00} and simultaneously reporting me to the bureaus for Failed to Pay that appears each month in the report, ( which makes me lose two points of my total score each month ). I have made a dispute and sent a letter to the Cardmember Service in XXXX XXXX. MO and have received a letter yesterday with a vague and general answer saying : " We have conducted an investigation of the dispute and reviewed all the relevant information you provided. Based on our investigation, we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ... '' I called the number provided by them spoke with an representative who said that they right to be reporting me unless I pay them full amount today. When I said I have an agreement for installment payments with them and they have no right of reporting Failed to Pay if I do pay monthly, he said I wo n't be telling him what is right and what is wrong.

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 2017-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was interested in rebuilding my credit so I went to Bank of America on XX/XX/XXXX to apply for a secured credit card. I spoke with a loan officer and she suggested that I apply for an unsecured credit card and if I did not get approved for that then I will be approved for a secured credit card. I went through with the application and I did not get approved for the unsecured credit card but she said I was approved with the secured credit card. She then had me sign papers and said that my card will arrive in 7-10 days. I waited for my card for 2 weeks and I had not received anything so I called the bank and every person I spoke to were giving me the run around and could not help me ; I even spoke to someone higher than the manager and still no help. I work very hard for my money, barely earning enough, and heavily depend on each one of my checks to get by and maintain a decent living. Up until this day, I still have not received my money and it has caused a major setback for me due to late bill and rent payment. This should not happen to anyone in the least and I think it is very unfair and not right.

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 2017-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: OH

Complaint narrative:
I have an unverified account from COLLECTION BUREAU OF AME. I had previously disputed this account. I have never done business with COLLECTION BUREAU OF AME. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that COLLECTION BUREAU OF AME provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COLLECTION BUREAU OF AME Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
Told Sallie Mae I was having trouble making payments. I asked for a month of forebearance and I could continue payments as normal after that. I made a {$50.00} " good faith '' payment and they told me I could continue to make payments the following month. They did not grant me the forebearance and instead added a late fee to what I already owed. Basically told them I could n't make a payment, so they took {$50.00} from me and charged me anyways.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation