vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX called me about a XXXX collection debt in XX/XX/2018 for {$1100.00}. I requested a validation letter with documents from original creditor to which they only sent a statement from their company. I have no proof this is mine or accurate and they are reporting a collection on my credit report. When I call to obtain verifiable debt documentation they refuse to provide anything and as of today said they weren't allowed to since I filed a dispute. However, XXXX closed my dispute as accurate without obtaining any real proof advising me to file a complaint with FTC. All my accounts are current and paid on a timely manner. I have also tried to contact the original creditor, XXXX XXXX XXXX to which they have no record when providing my name, account number and amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The company fails to respond to my written request for validation of the alleged debt. The amount is reporting in correct and it is reporting as a negative when the account should be closed. They have failed to provide me proof of the debt bearing my signature etc. Under the law they are to delete if validation can not be provided.

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 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was fraudulent activity on my checking account on Friday, XX/XX/2019 in which a check was cashed through my account ( {$2300.00} ) and funds bounced, deducting the amount from my account. I've called on that very day to let Bank of America know and to start a claim. There was also small {$88.00} charge from XXXX XXXX ( I live in XXXX XXXX ) so I opened a claim on that charge, assuming they had a copy of my debit card. I was told the department that handles the check fraud was closed that day so I was not able to call until Monday. 

During Monday, another check was bounced from my account, this time for {$2300.00}, in which they did not ask for identification again, even though there was an active claim for fraudulent activity. I called Bank of America that very day, and had to call through 4 or 5 different departments to start these claims and close my account to open a new one. They froze my old account with all the funds in it ( and is still frozen 2 months later ), which were now in the negatives due to the two checks bouncing. 

Now, over 2 months later, the claims department sends me a letter saying that my card and pin were used for identification, yet when I try cashing or withdrawing amounts close to those, multiple identification methods are needed ( Driver 's license or text messages to the phone number on file ). This was not negligence on my part as I called the departments promptly but Bank of America failed to act appropriately. 

Now my funds are still frozen and the negative balance is drained from the new account I opened because Bank of America does not want to acknowledge that they did not ask for proper authentication for these checks, despite there being active fraud claims on my account, which I was not able to close on the day due to the department being closed. The claim is now closed with the funds being drained from my account. The location of the fraud is not located close to the address on 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 2019-05-30 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:
I request that I request that XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX formally substantiate account data XXXX XXXX XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified accounts. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
Company failed to provide proof of validation for alleged debt after several written request to validate. Also, the opening date and amount is reporting inaccurately. Under the law if a company is not able to verify the debt It should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The date of last activity is incorrect on a XXXX collection account. The date of last activity was to be XX/XX/XXXX however it was somehow updated to XX/XX/XXXX. I have tried to correct this error repeatedly since this is the single issue that stands in the way of me and home ownership. I have now received a letter from XXXX telling me that any inquiry will cause the date of last activity to be updated. I would like to know if this is true. That being the case, any further attempt by me to get this information corrected would simply put me further and further behind at every attempt. I can not express how frustrating this is in that we can not purchase a home in the foreseeable future due to a mistake that I can not get anyone to correct. And, if I understand the letter from XXXX correctly, any future attempt would hurt me further. XXXX claims that they contacted Equifax but they declined to correct the information. I served our country honorably for many years and want to take advantage of my VA benefits to purchase a home. Any further guidance and assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: VA

Complaint narrative:
Company failed to provide proof of debt after several failed written attempts. Under the law if they can not verify they must delete. They have failed to respond to my several written request requesting validation of the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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:
XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
XXXX of XXXX, I had not received a mortgage payment booklet, so I sent a payment of {$1000.00} which they received XX/XX/XXXX. SInce XXXX of XXXX I had been sending extra payment on the principle to pay the mortgage off early. Later in XXXX I got a payment booklet which stated the entire balance owed in as of XX/XX/XXXX was {$2100.00}. With the payment slip I sent a check for the remaining XXXX balance which they received on XX/XX/XXXX. I also noted Mortgage paid in full. I noticed in the payment booklet they had vague lists of charges ; ie. XXXX to {$80.00} for closing estimate. I didn't need it. It clearly stated the remaining amount to the mortgage. I expected a letter stating to get lien clearance and the Property title I owed them x amount. Instead I began getting up to 6 letters a week telling me I owed them any amount from 241 to 881 with no explanation as to why. I sent a certified letter to the CEO of PHH Mortgage, and was turned over to the " Omsbudsman '' office at XXXX. They said they would investigate and asked for additional time. Although they still could not explain all the extra money I owed ( the two staff people I dealt with ) I did discover that 1 ) they not only failed to apply both checks to fulfill the balance in XXXX ; but they created extra payments and 2 ) CHARGED ME AN ADDITIONAL INTEREST!!!! I also learned that they had on at least two occasions in XXXX charged me late fees. They were not entitled to do that until the XXXX of the month, but they did it if payment was not received by the XXXX. I have yet to learn whether they did thissame illegal charges in XXXX as well. I have also been receiving dunning letters sometimes 6 times a week as if I am a deliquent debtor. Amounts vary from letter to letter. I have also received letters advising me on how to declare bankruptcy. When I requested that they stop these letters ; that I considered them Harassment, they told me that they were not able to do that. Aside from the serious stress of this situation, it is possible they are doing damage to my excellent credit status. Paying off a mortgage should be something to celebrate. This is making me sick ... literally.

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 2019-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP
State: VA

Complaint narrative:
Collector failed to respond to serveral written request to validate alleged debt. Under the FCRA they must delete and removed if they can not provide proof of debt. After several failed attempts, company has refused to do so and has not responded to my request to do so. Also, they have repeatkey changed the account balance when the account is reporting as closed. Which is by law innacurate and rounds for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: CA

Complaint narrative:
Debt owed to XXXX XXXX for XXXX. This debt collection agency Named Alltran financial started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX   XXXX/XXXX partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: AES/PHEAA
State: PA

Complaint narrative:
I am having trouble with Fedloan serving and my income driven repayment program and my loans in general. Last year for XXXX I submitted pay stubs and schedule of retirement payments for my self and my wife 's pay stubs and payment was {$XXXX}. I did the same thing for XXXX pay stubs and schedule of retirement payments for myself and pay stubs for my wife. Payment for XXXX is {$XXXX}. No employment or pay changes for either of us I have called the Fedloan servicing trying to get an answer as to why, I can not get a good answer. Today I was told I will make {$XXXX} more in XXXX then XXXX. That is why my payment has changed. 

I receive around {$XXXX} a month retirement and receive {$XXXX} an hour working XXXX. My wife makes about {$XXXX} a day as a XXXX XXXX working the XXXX year. The last week of XXXX to first week of XXXX. 


The loans I have were also consolidated before they should have been. I was told they could not change this because it is to late. 

I seem to get different answers to my questions when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Male called my phone to collect a debt that is not mine. Threatening over the phone, saying that I am a primary on an account. I asked for him to not call me back and that it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 21 and 22 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Debt owed to American Express for XXXX. This debt collection agency Named XXXX XXXX started calling my work and also my wife who has nothing to do with my debt. They also called my father and I have already stated to all my companies to NOT call my work address. I would like to fine a complaint for calling cell phones soliciting payments from my wife and dad and also calling my work where I have explicitly stated to NOT call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I borrowed a total of {$2500.00}, XX/XX/XXXX from CashCall.com. My account went to collections and I agreed to pay {$230.00} per month with XXXX XXXX for two years. In XX/XX/XXXX, my debit card was stolen and when I attempted to call the company to give them my new information, the phone number had been disconnected. Then, XX/XX/XXXX, I get a phone call from XXXX XXXX XXXX. They left me an automated message to tell me I was going to served a law suit within 24 hours between the hours of XXXX -- XXXX, and to have two forms of ID ready to accept the lawsuit. I panicked and called the number back ( I was at work ) and begged them to not serve the papers - I also gave them {$200.00} over the phone. After going back and forth with them throughout the day ( while at work ), they agreed that this wasn't my fault and that I only owe {$600.00}. This jeopardized my employment and gave me a lot of anxiety.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX Amount Delinquent {$3500.00} Payment Status Collection/Charged off. 

This is a Corporate Account. I contacted American Express in writing for the past TWO years. They refuse to respond. They are reporting late every month. That monthly reporting is lowering my credit score. American Express took a Corporate Account and converted it to a Sole Properitor to attack my credit as a Individual. The Corporate name was XXXX XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Summit Financial Corp.
State: FL

Complaint narrative:
Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Absolute Home Mortgage Corporation
State: VA

Complaint narrative:
I have a Reverse Mortgage with a balance of {$580000.00} - my home is in the City of XXXX, current assessment is at about XXXX XXXX, Market value is approximately XXXX XXXX. My age is XXXX. 
My monthly statement shows that my negative Principal and interest is {$2400.00} Monthly mortgage insurance Premium is {$600.00} Absolute Mortgage continues to call and offer a refinance. 
Virginia State Corporation Commission # XXXX, I give them all my information, they say nothing is available to refinance to remove the MIP ( I do not want any cash out! ) because of my AGE!! 
But they continue you to call and offer to help me refinance. 

My loan increase at just under $ XXXX per year ( including PI+MIP ) at that point it would take - 10 years to even approach XXXX - I would be XXXX old! 20 years to come up to my 2019 assessment when I am XXXX! 
And still, they continue to call weekly to off a refinance package. 
This company trades in deceptive solicitation, and probably age discrimination.

BTW, I live with in a 10 minute drive of the XXXX campus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
I have noticed on my monitoring service an account from PLUS FOUR INC in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC multiple times due to multiple accounts being reported a debt of {$66.00} and another for {$91.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible as this these accounts are effecting my personal file.

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