vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I was not made aware that I could dispute this transaction because I had no notification of a past due bill or that it affected my credit score until now.Cost {$2500.00} ( estimated ) to XXXX was not made Aware of do. No contact through via email phone or anything

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 2019-06-14 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: OH

Complaint narrative:
Equifax failure to proper investigate is continuing to damage my credit which is not allowing me to establish credit because of all the fraudulent, inaccurate, and erroneous things on my credit inwhich have been found unverified and not validated its Peer credit bureaus. How could theyve investigated with so many inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BB & T has a rigged system where they delay the deposit or withdrawal for transactions that you make for their benefit in order to charge each transaction an overdraft fee. Countless times I have made my usual monthly payments and I started noticing five or more buissness days going by without my bill payments being posted to my account and then a week later the payment post turning my account negative. With each transaction they charge {$36.00}. One time I went in the bank to show the teller this problem and the teller says to me, " open a BB & T credit card and we can transfer the overdraft fees to your credit card. '' That is another strategic attempt to profit off of their rigged system. This is called, unfair business practices. This is evidenced by them delaying payments that you make to other parties and one week later when you spend one dollar over what is being deducted, they strike. Then the ATM 's are not equipped with cash deposits so you can not add money to your account without the bank being open.

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 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have received this year two letters of credit denial from Marcus at Goldman Sachs Bank USA located at XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXXXXXX, the first onXX/XX/2019, thenXX/XX/2019  both times, they have pull my credit, with out my authorization, never have i ever applied or inquire either written or verbal for any credit lines or an account with them, the first time I send a letter to the instruction and their CEO with a copy of the denial letter, neither one bother to respond. This organization is committing fraud big time, the federal government needs to investigate them..twice they have pull my credit and NEVER did i do an aplication, as well i call their 800 number they said they were going to investigate and call me back none ever contacted me..this comapny is doing FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
I called them about the debt and they were very rude. They told me to call multiple people. I didn't even call to confirm the Dr . Appointment and they are still charging. I had no phone or transportation. They were rude about that as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am asking for your help to resolve an issue I have that involves 2 different companies, LVNV Funding out of XXXX XXXX and XXXX XXXX XXXX out of XXXX XXXX, CA. 

In XXXX, I enrolled a delinquent credit card account I had with XXXX   XXXX XXXX into XXXX XXXX XXXX ( XXXX ) debt reduction program. That account was subsequently sold to LVNV Funding soon thereafter. 

Through negotiation on my behalf by XXXX, the account was settled and for 32 months payments were made to LVNV, ending in XX/XX/XXXX when the account was seemingly paid off. 

I continue to receive letters from LVNV Funding, their account management branch Resurgent Capital Services, and a law firm they have hired, XXXX XXXX XXXX XXXX, in my home state of Colorado. They say I owe {$7900.00} on this account. Every single bit of documentation I have shows that the account was settled and fully paid off, and I have provided the documentation to LVNV Funding. Yet LVNV continues to pursue me. XXXX provides very little help in the matter now. When I have talked to them, it seems like they are aware that some kind of mistake or error was made that they're not admitting to. This is just a feeling on my part. I have no evidence. 

I am now a XXXX XXXX XXXX XXXX XXXX veteran with 20 years service. I am also XXXX from the XXXX XXXX, Colorado XXXX XXXX   XXXX with 17+ years service with them. My only income is Social Security and my XXXX veterans retirement pay. I have had 2 stress related XXXX XXXX since XXXX, and this situation is only adding more stress. 

My fear is that LVNV Funding is going to file suit against me, and with the bills I have hiring a lawyer, let alone paying the amount they're asking for if I lost, would be virtually impossible. 

Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I am currently working with XXXX XXXX XXXX for my loans. I was originally with MEFA since I started college in XX/XX/2012, but my account was sold last year without any notice. 

Both MEFA and XXXX XXXX XXXX have failed to provide me with documentation in a timely fashion on multiple instances, the first being that my account was sold. Second, I have never received a copy of a promissory note or my loan contract. Third, my modified repayment plan recently came to an end. XXXX failed to notify me that this plan was in fact ending resulting in a jump in payments from {$560.00} to {$1100.00}. When I called to see what had happened, I was told I had been notified and the only option I had was to apply for the modified repayment plan again ( but not before requesting the {$1100.00} payment I did not have ). 

After submitting my application and documentation, I was denied for a modified repayment plan with no sufficient explanation. contacted XXXX and spoke to " XXXX '' ( ID : XXXX ). XXXX stated it was denied due to the debt ratio. I have spoken with several credit counselors and other loan companies who have stated that I do not have sufficient funds to cover my bills, loans and daily expenses. 

I requested a copy of my promissory note and a copy of my contract. XXXX told me I should have had my copy of the contract from XX/XX/2012  and the promissory note was available online. When asked where the promissory was located on their website, XXXX ( who had claimed it was available ) failed to find it herself and claimed she was " mistaken ''. I then requested both documents be sent to me, which I have yet to receive. Both documents should be available online at any time to review. 

Following this, I requested a forbearance on my account. XXXX stated that was not available to me as it was stated in the contract that I do not possess and was supposedly given seven years prior. I then requested an extension on my loans in an attempt to reduce payments. XXXX stated this company does not do refinancing and I would need to take out new loans. 

XXXX and XXXX have been extremely unhelpful and disrespectful. I have made several attempts to lower my payments over the years to no avail. As a young adult working with this company, I have the right to possess and ability to access all documents when needed. I also have the right to work with a company on lowering payments that are not feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
On XX/XX/2019 I submitted a complaint with you regarding PHH Mortgage. My complaint was that they were unable to find a wire transfer of funds to payoff my mortgage and the had taken money out of my bank account to cover a payment that was not due them. 
On XX/XX/2019, the emailed me to inform that they were able to find those funds and applied them to the payoff. They told me the they would refund my payment within 24/48 hours. I have not seen those funds and PHH refused to respond to my emails appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Over the last month I have made several payments to Citi in an effort to pay off a balance transfer offer I had expiring on XXXX. 

Rather than applying my payments to the balance expiring XXXX Citi chose to allocate my payments to balance transfers I had expiring in XX/XX/XXXX and XX/XX/XXXX! 

I will now be forced into paying interest on nearly {$6000.00} that I have repaid before the associated promotion had expired! 

I can't help but feel like this is a predatory practice. The value of my latter balance transfer promos has been negated ( despite being charged balance transfer fees to use them ) and now I will have to pay nearly 15 % interest on the balance I intended to pay off! 

Please help!

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 2019-06-14 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: U.S. BANCORP
State: ME

Complaint narrative:
Back in XXXX of 2017 my wife and I attempted to get pre-approved for a mortgage. When we got there, my credit report came back that I owed XXXX to XXXX XXXX XXXX and was currently in collections. I have never received any notice that this account was past due or going into collections prior to attempting to get pre-approved for the mortgage. Furthermore, this was a credit card I had stopped using well over a year ago. We contacted the company and the collections agency and they sent us over a itemized list of all the purchases made. At the same time, we discovered the card was missing. 

After receiving the list I filed a fraud report, somewhere around XXXX of 2017. They told us they'd get back to us within 30 days. Months passed, and I would contact weekly asking for updates. There were a lot of purchases, so I was reassured they were going through them. In XXXX of 2017, I contacted the company and they informed me they sold my collections charge to a different company. I then contacted that company and filed another fraud report. I have called weekly since XXXX of 2017 about this fraud report and I am constantly told they are still working on it and it will just be a few more weeks. 

This issue is still not resolved, is still negatively affecting my credit score, and it does not seem to be close to resolving. It shows up on my credit score as a closed account " In Collections/Charge-off. '' The contact information I get on my credit report is as follows : XXXX XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX XXXX, MO 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 2019-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX, I had to change the payment source on my CItibank/ BestBuy credit card account set to autopay because of a stolen wallet. My old checking was cancelled and a new one opened. I updated the payment source for autopay online and placed a call to customer service to make sure all was working and connected. Autopay payment was withdrawn from the new source in XX/XX/XXXX and the paper bill reflected autopay setup. 
A few days ago, I was contacted by a collection agency because of 3 months of missed payments XXXX XXXX, and XX/XX/XXXX. Somehow, my account was bumped off of autopay and was sent to collections. My XXXX bill doubled to XXXX. I called Citibank/BestBuy to rectify and to seek an explanation as to why the autopay canceled out, after it was set up both online and verified over the phone. No solutions from customer service, just run around, transferring between call centers and being hung up on from a rude associate named XXXX in the Kentucky call center. This company will not take ownership for their faulty system. Had anyone looked at my autopay payment history and customer service call record, this could have been easily rectified. I spent up to 5 hours on the phone trying to obtain an answer about the autopay system failure. I wish I had that time back as it was a complete waste. The intent at Citibank / BestBuy is NOT to assist customers - the agents are trained to repeat the same 3 useless lines and to refuse to escalate the call to a department that has real answers. Nice little scheme CB/BB has going- bump customers off autopay, charge late fees and other charges.

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 2019-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
In XXXX of XXXX I requested a one month emergency deferment from Toyota Financial services, for XXXX XXXX payment. I explained to the representative that in XXXX of XXXX, I was seriously injured in a car accident, and could submit documentation to verify my claims. I was informed even tough I had been granted prior request for the year of XXXX, due to it being an medical emergency the requested would be granted. I was told my next payment would be due in XXXX of XXXX, which was paid, but the payment was applied to XXXX payment. I have contacted Toyota Financial Services several times, and have been placed on hold for over 1 hour & 45 minutes several times. Each time I speak with someone I have been told I had exceeded the amount of deferments for the year. This was explained to the representative when I spoke with her in XXXX that I was granted prior deferments for the year, and I was told it would not be a problem because this was a medical emergency. Here it is I'm literally struggling to maintain daily life functions from a auto accident, and XXXX continues to destroy my credit each month with 30 day late payments. It is clear that XXXX still has bad business practices, even after settling a class action lawsuit for charging people of XXXX higher interest rates. Unfortunately for me I happened to be one of the purchasers that was charged higher rate due to the XXXX of my skin and was compensated in a class action suit by U.S D.O.J. Now my credit is being destroyed for an agreement that was issued by Toyota Financial Services, and not kept. XXXX customer service department are inadequately trained, and no customer should be on hold for over an hour. The list of complaints could go on for the lack of quality customer service Toyota Financial Services provides, and their choice of PLACING CERTAIN PEOPLE IN DIFFERENT FINANCIAL CLASS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I loaned a vehicle from XXXX back on XX/XX/2019. The dealership requested Infiniti Financial Services to run a hard inquiry on that day on my credit, which I approved, and I got my car. On XX/XX/2019, when the car was already in my possession, unknown to me, the dealership run another hard inquiry on my credit, which I did not approve. I realized of the mistake a couple of days later and immediately contacted both the dealership and Infiniti Financial Services to remove the unauthorized hard inquiry of XX/XX/XXXX from my credit. Since XXXX, I have been calling XXXX every week to solve this issue. They recognized their mistake and kept telling me that they sent a request to XXXX  to remove the hard inquiry from my credit. They told me that it would have been removed in 90 days. After the 90 days, I contacted XXXX  and they told me that they did not receive any request from XXXX. I asked XXXX first to re-send the letter to XXXX and second to send me a letter stating that they sent this request to XXXX. After a couple of weeks, I contacted XXXX again to check if this time they received the request from XXXX and again nothing. I asked if I could send them directly the letter that XXXX sent me and they told me that the only entity that can remove the hard inquiry is XXXX. I feel trapped in an endless circle because XXXX keeps saying that they sent the request and XXXX  keeps not receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I suffered XXXX and was transported by XXXX to an emergency room by ambulance from XXXXXXXX XXXX TX Fire department. XXXX, my insurance, paid the bill on XX/XX/XXXX and XXXX XXXX XXXX accepted the check. There as a negotiated discount with XXXX and XXXX XXXX with XXXX XXXX determining the allowable amount. See attached settlement letter. 
XXXX XXXX XXXX ( for XXXX XXXX XXXX ) kept billing me for the discount. Each time I called they said they would discuss with XXXX. XX/XX/XXXX, they sent a final bill to me and sent the amount to collections. See attached invoice. 
In XXXX, XXXX I sent the settlement letter to Merchants and Professional Collections Burea, XXXX TX, who is trying to collect for XXXX XXXX XXXX, to prove the debt is paid. I told them to call XXXX if they do not accept the settlement. 
XX/XX/XXXX, Merchants and Professional Collections Burea reported the debt to the 3 credit rating agencies. See attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: Rent Recovery Solutions
State: TX

Complaint narrative:
They are putting the debt owed on every month which is bringing my score down monthly. My debt has been sold and charged off but they continue to resubmit every month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Soon after getting the card, I lost my job. So i did indeed miss payments as well as had a returned payment but I called and notified the company at all times and even when each payment was due, they said it would be ok as long as I make a payment as soon as possible ... which I did. Ever since I gained employment again I have been making payments on time as well as paying well above the minimum payment ( to avoid the card being closed as I am trying to fix my credit ). I called XX/XX/2019 at XXXX and spoke with XXXX from South Dakota ( she was not willing to give me any other information ). She was rude and condescending.. had me on hold for 30 mins and came back to the line and said I would have to call back tomorrow. I called back XX/XX/2019 and spoke with XXXX in KY from team 5 ( she would not give anymore information ) and my account was closed and she said there was nothing she could do! Apparently this company is in the business of taking peoples money and then closing their accounts! Ive never heard of such a thing. Especially for a customer that is trying to do the right thing. I feel as if I am being punished for trying to be a good customer, which is unacceptable. If they were going to close the account, they should have did it when I was MISSING my payments, not MAKING THEM! On XX/XX/2019 two payments were taken out of my account, one for {$150.00} and one for {$250.00}. Not only did they not make the funds available but they then proceeded to close the account, which is mind baffling to me. When I called to ask for explanations I just kept getting transferred finally for someone to claim there was nothing they can do. I WILL NOT RECOMMEND THIS COMPANY TO ANYBODY AND I WILL BE FILING A COMPLAINT WITH THE 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 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I have been called three times by a mortgage company. The first time I got their info and told them to take me off the list. Then they called again two hours later and again the next morning at XXXX. They are harrassing me. All three times I've told them to take me off the list.

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