vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-25 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I been asking XXXX, XXXX and Portfolio Recovery to validate the account from Portfolio Recovery since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but Portfolio Recovery has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
A former employer ( XXXX XXXX ) failed to pay the entirety of medical bills for a worker 's compensation related injury. The former employer did not disputed the bills and they paid some lost wages. The hospital ( XXXX XXXX XXXX XXXX XXXX NJ ) is attempting to collect the debt through Midwest Recovery Systems. I believe that the hospital and XXXX XXXX are breaking various laws. My former employer has a legal responsibility to pay the medical bills under state laws. The hospital was aware that this was a workers comp claim, and that in NJ employers are legally responsible for paying medical bills for workers comp cases. 

The account is in collections and might effect my eligibility for a mortgage. I have documents and emails which support my case Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX XXXX XXXX. File # XXXX. I was told via email on XX/XX/XXXX that Statebridge company has responded and needed more time to answer. A few days later I received a letter from XXXX XXXX XXXX also dated XX/XX/XXXX stating a Notice of Assignment, Sale, and Transfer. They sold the fraudulent mortgage off. It seems that they lied to this agency, while getting rid of the problem of a XXXX person. Had it not been for the letter the state accidently sent to my home informing me that a lien would be placed for non-payment of taxes, and that my name was not listed on the property but another company ( not XXXX XXXX XXXX ). I would never have known about the fraud they were perpetrating. 

They have also padlocked the property with my personal items in it as of XX/XX/XXXX and have yet to inform me via mail of their intentions to do that. When the company name is XXXX you can see multiple complaints as well as a class action lawsuit arguing their deceptive business practices to steal homes from unsuspecting people like myself. When they are revealed and reported to appropriate agencies, they quickly let go of the problem by selling it off to the next investor. While we think we are paying on a mortgage, we discover we are only paying investors. There is no assistance with obtaining homeowners insurance, or deeds to properties we are paying on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Around XX/XX/XXXX I filled out a deferment request to Georgia Student Finance Authority. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Northland Group Inc
State: CA

Complaint narrative:
Today I received a debt collector letter from the Northland Group stated I owed to XXXX the amount of {$900.00}, I believe this type of action is fraudulent on nature between XXXX and its Debt Collector Northland Group. 
I disputed the same amount {$900.00} with XXXX several years ago also I did disputed las XXXX 2016 with another XXXX 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask XXXX and Its Debt Collector NORHLAND GROUP to cease any collection on the amount they said I owe them. 
There is the second time XXXX is attempting to collect something I disputed on the past, I do n't know if At this time XXXX and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp
State: NJ

Complaint narrative:
Equitable acceptance which is a third party financial company did not reconsilidate my loans on my behalf in a timely fashion. However I renewed by yearly contract on time and made on time payments since XX/2016. Monthly payment was being made of XXXX and it decreased to XXXX monthly. The total remaining is XXXX and the complete total that was financed was XXXX. After this error, I went into collections causing my credit score to drop drastically. The BBB agreed with Equitable acceptance ; however I also filed a complaint with XXXX XXXX  directly who completed their investigation, sided with me and impacted my credit score on a positive note. My question now is how do I terminate my contract with equitable acceptance without impacting my credit score negatively? I refuse to make any future payments with them because they were not providing the  service that I was paying them for. Also they caused the negative impact to my credit score. I  attempted to speak to them directly but was told to " read my contract. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Around XX/XX/XXXX I filled out a deferment request to XXXX XXXX XXXX XXXX. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 non-monetary relief
Consumer complaint received 2017-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I believe PayPal credit card is delaying the posting of credit card payment to add late fees to the account.

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 2017-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX XXXX SOLD MY LOANS TO NAVIENT LOAN COMPANY. NAVIENT HAS REFUSED TO HELP ME LOWER MY PAYMENTS, PUSHED ME INTO COMMITTING TO LONGER LOAN PAYMENT OPTIONS WHICH HAS INCREASED MY INTEREST ON MY ORIGINAL LOAN AMOUNT. I HAVE HAD ISSUES, ONE SPECIFIC INCIDENT ON XX/XX/2017 AT XXXX IN WHICH I ASKED TO SPEAK TO AN ACCOUNT MANAGER AND THE INDIVIDUAL ON THE PHONE DID NOT LET ME AND PROCEEDED TO DENY MY ATTEMPT TO DECREASE MY MONTHLY PAYMENT DUE TO RECENT FINANCIAL CHANGES. I HAVE BEEN DENIED THE RIGHT TO SPEAK WITH A SUPERVISOR ON MORE THAN ONE OCCASION AND AT THIS POINT THE COMPANY IS UNWILLING TO LET ME SUBMIT A NEW REQUEST FOR INCOME DRIVEN PAYMENT PLANS. TWO SEPARATE MONTHS THE COMPANY HAS NOT TAKEN OUT MY PAYMENT, WHICH I HAD SET UP FOR AUTOMATIC WITHDRAW AND FAULTED ME FOR THEIR MISTAKE. I SPECIFICALLY REQUESTED FOR PAYMENTS TO BE TAKEN OUT AT THE END OF THE MONTH EVERY MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today I received a debt collector letter from the XXXX XXXX stated I owed to Citibank the amount of {$900.00}, I believe this type of action is fraudulent on nature between Citibank and its Debt Collector XXXX XXXX. 
I disputed the same amount {$900.00} with Citibank several years ago also I did disputed las XXXX 2016 with another Citibank 's Debt Collector XXXX XXXX XXXX. CFPB Case # XXXX. 
At This Time I would like to ask the CFPB to Ask Citibank and Its Debt Collector XXXX XXXX to cease any collection on the amount they said I owe them. 
There is the second time CITIBANK is attempting to collect something I disputed on the past, I do n't know if At this time Citibank and its debt collector are violating any rules of FDCPA, if its so I would like to be compensate it for.

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 2017-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
on XX/XX/XXXX {$220.00} was automaticly taken from my Five Star Bank account by XXXX. The due date for the credit card bill was XX/XX/XXXX as stated on my bill. On XX/XX/XXXX and XX/XX/XXXX three over draft charges for {$40.00} were applied to my five star bank account, {$120.00} total. I spoke to a representative at Barclay who credited my five star account on XX/XX/XXXX the amount of {$120.00}. on the same day the {$120.00} fee was then added to my Barclay credit card. I spoke again to a representative at Barclay and got the run around. The card is now closed and I paid off my debt on XX/XX/XXXX. The {$120.00} fee is still on my account! I have received two letters from Barclay one stating my inquiry has been resolved. date on the letter is XX/XX/XXXX. on XX/XX/XXXX I received another letter stating there is a {$120.00} balance still on my closed account. Please help with this mess. Thank youI

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 2017-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: General Information Services, Inc
State: MI

Complaint narrative:
I was hired at XXXX on XXXX XXXX in XXXX MI and they let me go because on my background check that was a old misdemeanor charge and it was because my mom bought food stamps from someone and they pressed charged on us. Because she bought me food and I did n't take back the food back so they charged me with receiving and concealin the food that she bought me. It was from 2014 it was spose to be took off if I conpleated the program and I did so I 'm just asking for my job .Any question call me XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: TX

Complaint narrative:
I disputed each account listed below 4 times with TransUnion and XXXX. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. 

XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}

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 2017-11-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Today I received in the U.S. mail my earlier requested " Equifax '' credit report to check for any " errors '' in it since " Equifax '' mass data breech of XXXX of 2017 in which over 143 million Americans had all their personal data hacked/leaked due to " Equifax '' well known sloppy  security procedures. 
And sure enough someone from the " XXXX XXXX, Minnesota '' has somehow falsely entered their address of " XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX '' is unlawfully listed as one of my " Previous Addresses '' on " Page 5 of 44 '' as well as on " Page 44 of 44. '' I am the " Victim of Identity Theft. '' I have never even visited the State of Minnesota.

I work for the XXXX XXXX XXXX for the last 30 years and thus I have to live with the XXXX XXXX XXXX in order to continue my employment with the XXXX XXXX XXXX. 
This is NOT the first time this same " XXXX XXXX, Minnesota '' false address has been put into my " Equifax '' credit report. 
It first appeared about 16 months ago on my " Equifax '' credit report. And because of my due diligence I caught the sloppy security of " Equifax '' and filed a " Dispute '' complaint to " Equifax '' and " Equifax '' deleted the unlawful " XXXX XXXX, Minnesota '' address OFF my " Equifax '' credit report. 
Yet nearly 16 months later that same fraud " XXXX XXXX, Minnesota '' has once again appeared in ONLY my " Equifax '' credit report. This " XXXX XXXX, Minnesota '' has NEVER appeared on my " XXXX XXXX '' or my " XXXX '' credit reports. Never!!! It has ONLY shown up on my " Equifax '' credit report because of " Equifax '' sloppy computer security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: UBS BANK USA
State: WA

Complaint narrative:
UBS disbursed a check to me from my deposit account, this check was stolen before it was delivered to me. I am seeking to get the money that UBS was supposed to disburse to me. 

* XX/XX/XXXXA check from UBS was disbursed to me on XX/XX/2017 by mail for XXXX from the money in my deposit account. 

* XX/XX/XXXX The check was not received during this time. I started my inquiry with UBS on XX/XX/XXXX, several phone calls happened. It was reported to me that the check had been cashed at XXXX XXXX XXXX ( I do not bank at that institution ) and a copy of the cashed check was mailed to me. 

* XX/XX/XXXX OnXX/XX/XXXX XXXX XXXX Control Officer UBS Equity Plan Advisory Services mailed me a list of instructions to start the investigation. I complied and returned the requested notarized affidavit along with the official police report. Via certified mail I confirmed the delivery of the required documents happened XX/XX/2017. I was instructed to wait 100 days.
* XX/XX/XXXX I was informed by a UBS representative that the investigation being conducted by XXXX XXXX XXXX XXXX was not complete, and that XXXX XXXX XXXX XXXX was requesting an additional period for investigation. I have been informed that nothing can happen until the investigation in completed, and I have not received confirmation that the investigation by XXXX XXXX XXXX XXXX has began.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed each account listed below 4 times with XXXX and Experian. They have failed to provide me with additional information and an original documentation i.e. contract with my signature listed on them. 

XXXX XXXX XXXX Amount : {$440.00} XXXX XXXX XXXX Amount {$480.00} XXXX XXXX XXXX/XXXX XXXX Amount {$440.00} XXXX XXXX XXXX XXXX Amount {$490.00}

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 2017-11-25 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I opened an account approximately XX/XX/XXXX with XXXX XXXX for a XXXX credit card. After having a plethora of difficulty making my monthly payments on line, absolutely no success with customer service and being charged a fee to make payments over the telephone, I closed the account. I was double billed for the {$100.00} annual fee and was still unable to get any assistance from customer service. My wife filed Chapter XXXX Bankruptcy on XX/XX/XXXX which included the XXXX XXXX XXXX card due to her being a co-signer on the card. On XX/XX/XXXX XXXX XXXX sold the account to XXXX XXXX, XXXX and I received a letter from XXXX XXXX XXXX on XX/XX/XXXX. After explaining to XXXX XXXX XXXX the XXXX XXXX XXXX card was included on my wife 's Chapter XXXX, I have not heard from them again, but XXXX Funding is being reported as a derogatory mark on my XXXX, XXXX and XXXX credit report. After repeatedly calling XXXX XXXX for over 4 to 5 months, I finally spoke with a supervisor, and she stated she would correct the error, to no avail. Nothing has been done from XXXX XXXX and when I call them, I am either placed on hold or disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received an offer from Capital One to open a checking and money market account to receive a {$400.00} bonus ten weeks after completing the conditions ( see attachment ). 

Due to fraud alerts on my credit reports, I was unable to open the accounts online. On XX/XX/XXXX around XXXX central time, I went to the Capital One Banking Branch located in XXXX, Texas and opened the checking and money market accounts with the Bonus Offer Coupon. The Capital One Banking Representative called over her manager to input the code offer into the computer and I was told that I would automatically receive the {$400.00} deposited into my account within 10 weeks as stated on the Bonus Offer. One week after opening the account, I went to the Capital One website and printed a description of the Bonus Offer ( see attachment ). 

After completing the stipulations of the Bonus Offer, I waited patiently week after week but never received the {$400.00} Bonus. Finally, on XX/XX/XXXXaround XXXX central time, I called Capital One at XXXX and spoke with a representative named XXXX. After explaining my concerns to this representative, I was transferred to a manager named XXXX. This Capital One Manager stated that the Capital One representatives at the Branch misspoke and that the offer was only targeted to certain individuals. XXXX offered me a {$100.00} consolation, which I refused. I stated that I would be escalating this as appropriate since there was no supervisor above him that I could speak to. The phone call lasted 18 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I opened an account under the name of XXXX and billed to XXXX XXXX. After calling for 3 months and being told the account was not open I said I had already received the chairs I ordered. Two months later I receive I bill and tried to make a payment online. Unable to do so I called and was told no account was opened. After speaking with a supervisor I tried to make payment and was told to wait. I received a second bill for over {$800.00} dollars with late fees, and interest added. I called and was told I can close the account now since the account shows processed and account was closed after paying {$750.00} dollars. I am now once again receiving bills stating " close accounts still earn interest '' and I now owe late fees and interest. I have had this problem with this bank before same problem and believe this bank should now be declare a class action law suite because of their continued billing the consumer with late fees and charges on closed accounts. Because of the continued abuse of power from this bank I would like to see my credit status corrected and all fees and interest charged off. This bank is blatantly refusing to be handle accountable to anyone and look forward to working with your office to see what can be done to help the consumer not be taken advantage of by banks such as XXXX.

Company response to consumer: Closed with monetary relief