vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 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: Avant Credit Corporation
State: LA

Complaint narrative:
I made a payment to my Avant Credit Card, after reading their payment processing policy, I made a {$100.00} payment on XX/XX/XXXX @ XXXX XXXX Central Time. On XX/XX/XXXX I received an email saying that the payment had posted to my account. The payment had also cleared my checking account from which I made the payment. On XX/XX/XXXX my account was still not showing the payment as available credit on my credit card. I contacted XXXX XXXX XXXX XXXX and was told the payment would not reflect as available credit on my card until XX/XX/XXXX. I asked why seeing that the payment had cleared my checking account and I had received an email from the XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that the payment had been posted to my account. XXXX XXXX XXXX  XXXX made no offer to post the payment even after I called their attention to their own credit card payment posting policy outlined on their website. This is basically steeling, as they are charging interest on purchases that they have already received payment for days ago. I have listed their payment processing policy below exactly as it appears on their official website, but apparently they are not responsible for being truthful with their customers. 

" " XXXX  Payments How can I make my payments for the XXXX? 

We have a few methods of payments available for our XXXX customers. You are welcome to register your checking or savings account to your file here at Avant and can set up either recurring payments through our AutoPay service or initiate one-time payments on the dates you prefer. Additionally, you are welcome to submit paper check or money order payments to the following address : Avant, XXXX XXXX XXXX XXXX XXXX, WI XXXX When submitting paper check payments, we request that you provide the following information on the check : Full name as it appears on your statement Last 4 of your credit card account number Note : Credit Cards are not an acceptable method of repayment for the XXXX. Payments must be received by XXXX XXXX Central time to be credited as of that day. 

Why does my payment status for the XXXX say " pending ''? 

A payment to the XXXX will be in a pending status for overnight processing. If a customer initiates a payment before XXXX CT on a given day, the customer will receive credit for making the payment that day. However, the payment itself may be in a pending status until the funds are received and have cleared from the customer 's financial institution. Once the payment clears, the customers current balance will be adjusted to reflect the payment amount theyve initiated. 

Can I choose/change my XXXX minimum payment due date? 
At this time, XXXX does not allow our customers to change their payment due date. We apologize for any inconvenience. " ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GEORGIA XXXX XXXX CONCERNING CONSUMER NUMBER XXXX CASE NUMBER XXXX To Whom It May Concern In summation. Hidden within this report that was sent to me for evaluation XX/XX/2018 there are many inaccuracies concerning this report summation - None of which have anything to do with my personage, my social, or who I actually am. For one You received my Identification and Social Security Verification Number. Secondly My Social Security Number is not XXXX XXXX XXXX. My Name is not XXXX XXXX XXXX XXXX XXXX XXXX. My Name is Not XXXX XXXX XXXX. There are numerous an inexcusable accounts of negligent information on my report. So many in fact for so many years, that I will retain the services of a Consumer Attorney, to seek out not only legal remedies, but Legitimate Legal Damages to my person. Defamation of my Character, as well as Financial Injury. DO not play games with me. I am an adult. And despite your presume Accuracy you have left a clear and open path towards your own litigation for Civil Damages. I will in fact make you the next Information gathering Corporation holding my private information to be exposed for the inaccuracies on this 230 page report of lies. You will be held accountable for what you say is in your own words We are Unable to determine what you are disputing. You have mired my PRIVATE INFORMATION that you claim to PROTECT with other peoples information. In effect Not protecting me at all. Exhibits A thru all highlighted pages of the very document you claimed was Protecting my privacy thru all of the highlighted pages found in my report is riddled with INACCURACIES AND INFORMATION THAT HAS NOTHING AT ALL TO DO WITH ME. Unverified information that was given to you via computer that was reported to your organization. Then Added to my Report. The information reported caused my Financial Harm, Damaged my  Reputation as well as misled creditors to the point of me not being able to purchase a home to live in.This information slaved to my reports, caused me not to be able to afford a home of my own - a place to lay not only my head down yet my children as well FOR DECADES! 
I will make it a point to show the courts Federal & State that YOU did not check any of your facts, paperwork or verify any signature of mine to any DEED, Address or place of Residence. That by refusing to delete that incorrect and inaccurate information of my reports, without first hand verification did not delete that information, Social Security Numbers, Addresses, Phone Numbers and housing from my report. In effect at the moment of receipt of this let I will formally be reporting your actions to the CFPB. Let this be a formal declaration of my standing as a HUMAN against you as an ENTITY Discriminating against me. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Systematic National Collection, Inc.
State: HI

Complaint narrative:
There is a debt reported on my consumer credit file from SNC inc that although I have disputed and asked them to verify or validate, the company refuses to do so. I have asked for documentation, an affidavit, an itemized list whereby I may draw some information and the company refuses all attempts by myself to comply. 

I am asking the CFPB to intercede on my behalf and get the company to comply with my request and provide documentation under the FCRA laws. They are very good about stamping it FCRA compliant but have yet to actually comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/2018 i went to zales to buy a engagment ring for the sales reps was nice but fail to tell me about the hard inquiry and aproved me a amount and advised me to make a purchase worth the amount with the lack of knowledge on how that would effect my credit my score drop 40points XX/XX/2018 XXXX/zales decided to report a missed payment when in fact I did pay.Calls where recorded about experiancing hardship and comfirmed set date for monthly payment and was paid schedule. They refuse to remove the 30 day late payment. This is false and in turn brought my credit score down 40 points again! totaling over 80 points damaged my score with companies refusing to loan to me as i plan on buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 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: DE

Complaint narrative:
I've disputed with this company for inaccurate reporting of a University of XXXX account. I've sent the collector furnishing the account a validation letter on XX/XX/18. The company never responded to my request AT ALL. I brought this to the attention of the CRA, who responded with a generic stall letter requesting additional relevant information. I sent that information and they sent me essentially the same response. I am attaching correspondence as evidence of failure to investigate and ultimately delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Loan # XXXX We have been working on solutions to avoid foreclosure. The Mortgage company always appears receptive, and then does the following once were close to foreclosure date. 

# 1. Says certain paperwork didn't receive in a timely manner. 
# 2. Paperwork missed a check box or was the wrong document. 
# 3. Says there is no paperwork received. 

This has happened over and over. The most recent situation is my next door neighbor made an offer and the mortgage company said they would open my loan for a short sell. I sent them the paperwork, and then followed up on-line. They closed my access to the on-line area and said just to print off the paperwork I needed, and send it, which I did. 

They then said they didn't get it in time, and have moved forward with foreclosure. I don't believe they want a resolution on this property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
constant calling to workplace and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: MO

Complaint narrative:
On or about XX/XX/2018- Consumer Reporting agencies sent most recent 'credit report ' and Professional Debt Mediation was/is fraudulently reporting that I owed them a debt. Accordingly, I sent a letter to dispute the legal authority of their alleged statement of debt ; and to request a contract between Professional Debt Mediation and myself, which will show that I was in breach and had a duty to pay them. 

On XX/XX/2018- Professional Debt Mediation sent a response, yet in these letter ( s ) failed to show their original contract to show I had a duty or was in breach thereof, nor any court order to authorize them as being a party of interest to whom a debt is owed. 

It appears that Professional Debt is in violation of Missouri State Law which has statute of limitations ( RsMO 516.120 ) on filing a suit for any alleged debt AND Missouri 15 CSR 60-8.110 ; and is committing unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/2018 at XXXX EST, I got a phone call from a HSBC collections department representative, asking if I was going to make this month 's payment on time, and if he could get that going for me today. 

Payment is due on XX/XX/XXXX, and past due on the XX/XX/XXXX. 

I told him I would have it on XX/XX/XXXX, and he seemed to be ok with that. 

He then asked about XXXX 's payment, if I would have it on time, and that's when I got a bit angry about his line of questioning, and why I was being called in the first place, since nothing is past due. 

I told him that if this is they way they are going to do business with me, then to please don't call me any further because it felt like harassment. I'm not sure he understood, so I repeated to clarify my stand on this issue, but I'm not sure he got the message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: TX

Complaint narrative:
" I requested my annual credit bureau report from 3-credit bureaus, especially EQUIFAX " EFX '' recently in XX/XX/2018 in order to make corrections nonagreeable charges, such as secure credit card and dispute inaccurate information against XXXX XXXX XXXX for XXXX XXXX XXXX XXXX , XXXX ''. 

" There are other reasons such as " Other problem getting your report or credit score '' ... The EFX telephone agents and managers are engaging in deceptful practices by choosing to ask random questions about my past and present history after advising that it will help them ( she ) to process this request via phone. Then after successfully finishing, I am asked to mail two photo ID 's again to them for their needs '. 


" Each time, I am declined credit, I have contacted the 3-credit bureaus with this request but " Unable to get your credit report or credit score '' from at least mentioned, EQUIFAX INC. " EFX ''. Fraudulent enquiries and inaccurate REPORTINGS via third-party unknown EQUIFAX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NPAS, Inc.
State: VA

Complaint narrative:
This is a follow up complaint to XXXX-XXXX, in which 1 ) NPAS, working on behalf of XXXX XXXX XXXX, claims I never revoked TCPA consent and 2 ) XXXX XXXX XXXX, collecting on behalf of XXXX XXXX XXXX   contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with NPAS on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with NPAS which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that NPAS was managing and collecting on both accounts, but XXXX XXXX XXXX spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX XXXX and placed with XXXX XXXX XXXX, NPAS 's failure to honor my revocation resulted in me being contacted illegally by XXXX XXXX XXXX via autodialer on XX/XX/2018.

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 2018-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
A company called XXXX XXXX calls my residence each and every day starting around XXXX XXXX in the morning. They called 3 times on XX/XX/XXXX, 3 times on XX/XX/XXXX and 2 times on XX/XX/XXXX. This is when I started to keep up with the calls but it has been going on for weeks. I don't owe this company any money I have never done business with this company and it is annoying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Original Complaint - " The Original Creditor ( XXXX XXXX ) closed the account of {$1700.00}. An unauthorized account was opened by FAIR COLLECTIONS AND OUTSOURCING INCORPORATED on XX/XX/XXXX.Nothing is due to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED because I never agreed to a contract with them. '' On XX/XX/XXXX, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED was contacted in regards to an account opened which includes XXXX XXXX XXXX. That was the first contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED with a remedy, of closing the account and contacting the credit bureaus, that FAIR COLLECTIONS AND OUTSOURCING INCORPORATED works with to have that account removed from XXXX XXXX XXXX credit report. 

FAIR COLLECTIONS AND OUTSOURCING INCORPORATED responded to XXXX XXXX XXXX complaint on XX/XX/XXXX, " The account was assigned to our office on XX/XX/XXXX from creditor XXXX XXXX / XXXX XXXX XXXX & XXXX. Creditor maintains ownership of the account. Our office is a third party retained by the creditor to attempt to collect on their account. The debt is owed to the creditor. '' This is my second contact to FAIR COLLECTIONS AND OUTSOURCING INCORPORATED in an attempt to give FAIR COLLECTIONS AND OUTSOURCING INCORPORATED a chance to remedy this problem. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX XXXX XXXX then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( FCRA ) * Violation of the FDCPA * Defamation of character As indicated above, FAIR COLLECTIONS AND OUTSOURCING INCORPORATED is a " third-party '' that collects on behalf of their client, XXXX XXXX / XXXX XXXX XXXX & XXXX ; thus, XXXX XXXX XXXX ' contract would not be with FAIR COLLECTIONS AND OUTSOURCING INCORPORATED, but with 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 2018-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was given a loan modification under MAKING HOMES AFFORDABLE. I was to receive XXXX incentive pay for successful payment under this program to my loan. I was told I was going to receive this on the anniversary of the 6th year. I have NEVER received this. I am on the seventh year. 

I do not receive any mortgage statements. I want my XXXX pay for success incentive to be applied towards my principal balance. I have called and was first told it was to be applied XX/XX/2018. It is now XX/XX/2018 and nothing. I have been on the phone for 20 minutes with XXXX XXXX who knows nothing and is printing my modification papers. 
Like that will help. She sees that the incentive has not been applied, so what will wasting our time do.

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 2018-11-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Synovus Bank
State: GA

Complaint narrative:
We bought our house in XX/XX/XXXX through an in house loan. In XX/XX/XXXX the loan changed from a mortgage to commercial loan. In XX/XX/XXXX the was renewed without authorization or signature. Now we are trying to refinance to get the house back to a mortgage because without knowing we have been paying interest only since XX/XX/XXXX without getting a statement or payment coupon. The amount of the loan keeps changing and going up since we have started trying to refinance our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: OH

Complaint narrative:
They are trying to collect a medical debt that is invalid. I had 2 insurances at this time. They have very little info on original creditor, and the info they do have is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES
State: CO

Complaint narrative:
STUDENT LOANS SERVICERS IGNORE PHONE CALLS, EMAILS AND ATTEMPTS TO REPAY THE LOAN EXCEPT IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UBS BANK USA
State: IL

Complaint narrative:
I have two outstanding issues with UBS. 

1. I have a credit card that normally carries a {$490.00} annual fee. The fee was waived for me because I moved all my assets to UBS, however I was just charged this fee again.

2. I was charged a {$270.00} annual fee for my XXXX XXXX accounts. I was told that this fee is waived if have {$1000.00} in direct deposits in any of my linked accounts, which I do.

Company response to consumer: Closed with explanation