vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: IL

Complaint narrative:
Repeatedly calling my place of business demanding to speak with someone. Hes called various departments in my company and spoken with random people trying to get transferred to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
As astra recovery is posting inaccurate information. Ive asked them to verify all documents 90 days and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUSTMARK CORPORATION
State: FL

Complaint narrative:
I have received an insurance check due to damages occurred during Hurricane Michael. The bank Trustmark Bank is holding those funds in a escrow account. I have submitted receipts to them for money spent and for upcoming contractors. They are saying they need to do an inspection before the release of funds. I have been promised now for a month that they will be scheduling this inspection. There has been no contact from the inspector yet. I call daily and they keep promising me that some one will call. This has been going on for two weeks. I have spoken to managers, and my direct contact XXXX. XXXX XXXX. I can not get any action on this, I am only asking for a partial amount so am I going to have to go through this each time I need a draw? It is causing undue stress and hardship on my financials and my family. Any help would be greatly appreciated.

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 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have proof of XXXX total in bill pay from XXXX  XXXX XXXX XXXX.No communication from XXXX XXXX XXXX  since I set up bill pay 10 months ago. I rec 'd a letter from a collection agency disputing my total payments and asks me to pay {$1300.00}. Where did this amount come from? Also, where did my XXXX bill pay go? 
Thank you for your help. 

Collection Agency is : XXXX XXXX XXXX , XXXX ( XXXX ) XXXX This agency is rude and is using intimidation..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
This is in reference to public service foregiveness. The agency is XXXX XXXX XXXX. They sent me my number of qualifying payments In XX/XX/XXXX and it was less than the previous year. I requested a recalculation and they said it would take 6 months. They bland the problem on a new computer system. Having only worked for one city during my repayment, I could not understand why it would take so long. 

I requested the name of the software and a copy of my statement of qualifying payments from the previous year. They did not respond. I called back in XXXX XXXX XXXX and asked for an update. They told me it would now take a year. I asked them why it would take so long and they told me the US Treasury had to recalculate and thats why it was taking so long. According to my records, I should have 120 qualifying payments in XX/XX/XXXX. However, I can figure out where I stand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: Nelnet, Inc.
State: LA

Complaint narrative:
I was diagnosed with XXXX on XX/XX/2017. 

I signed up for auto payments through Nelnet thinking that would take one thing off of my plate to think about during my XXXX treatments. 

Now that I have completed my active treatment, I am looking at my statements and even though I have been paying roughly {$330.00} each month, my loans have not changed at all. 

What it looks like happened is that Nelnet chose where to allot my payments so that my highest interest rate was receiving smaller payments than my lower interest rate loan. And it changed monthly which makes it so that I will stay in debt forever paying off the interest. 

When I call to speak with Nelnet customer service, they essentially say that this is the way it is set up. Then, the representative describes the % .25 discount that I am getting with XXXX. The company more than makes that up with the strategic placement of my monthly payments. 
And on top of all this, they are still making {$4.00} on me daily. And that number grows based off what my interest balance is. They are constantly making money off of people who think they are trying to pay back their loans. 

This is so disturbing that a company takes advantage of people in this way. I have gone through XXXX fighting XXXX and paying off doctor bills because of that. And now I have paid {$8000.00} towards my loans over the past 2 years and my loans have not been affected. 

That's literally the cost of life or death. The cost of XXXX XXXX. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc.
State: IN

Complaint narrative:
We owe {$960.00} on a XXXX XXXX charge card ... it is now placed with the agency of Valentine Kebartis office and I have set up payment arrangements by ck on the XXXX of every mon ... They called me 16 x between XX/XX/XXXX and XX/XX/XXXX. I explained that I have payment arrangements made but they say because I send a check and not do a scheduled payment arrangement when they control the payment I must get this calls because their computer doesn't recognize a payment mailed in??? It is abolutely ridiculous how rude the lady was that I spoke with. 
Their number is XXXX I have blocked them from calling me Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XX/XX/2018 our home had a fire that completely destroyed home XXXX  one of our pets. Our insurance company immediately paid for the loss and our problems started with the Mortgage insurance property loss company ( a third Party payer ) XXXX XXXX XXXX XXXX, received the funds and have been refusing to release the funds to make the necessary repairs to our home. 

For 11 months it has been a constant struggle to get XXXX XXXX to Release fund even though we repeatedly would provide them with releases that work was done. We have spent all the funds that have been dispersed so far and an additional XXXX XXXX dollars of our own money and the contractor has spent {$35000.00} of his own money to keep this project on tract. 

Our insurance company is no longer going to pay for our alternative living after XX/XX/XXXX, this month. We have been telling XXXX XXXX that we needed the funds or we would be XXXX. They refused to release any funds and to top it off now Seterus the mortgage company was acquired by Mr. Copper and they are telling us that it could be 60 days before our claim is loaded in their system. We do  not have any more time. In 24 days we will be XXXX but will need to continue to pay our mortgage or lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
There is not an opportunity online or on the statement to make a payment toward a promotion. On XX/XX/XXXX, I made a purchase from XXXX for {$1300.00}. On XX/XX/XXXX, I made a payment of {$1300.00} to PayPal credit for what I thought was toward that promotional balance. On each promotional credit, it states " A minimum payment applies to this purchase. This is included in your monthly minimum payment due. '' I noticed on the statement of XX/XX/XXXX, that I was charged this month interest for that purchase. The statement reflects that the payment did not in fact go toward the promotion. Instead, according to XXXX a XXXX in customer service, any payment made is applied toward a hierarchy. I called on XX/XX/XXXX to have the interest on that promotional purchase reversed. Since I did not know it was not applied. Obviously I would not know until the interest was applied. She said that I should have called within 60 days after I made the payment in XXXX. HOW WOULD I HAVE KNOWN? There is no where on the statement or on the website to pay any promotional balance directly or to apply a portion of your payment toward a promotional balance. According to XXXX, the representative I spoke to before XXXX, he said I would have had to written a note indicating that I wanted to apply the payment of {$1300.00} toward that promotion or I would need to call in. I feel this is an unfair practice. It is not explicitly stated that those are the steps a consumer needs to take in order to have a payment applied toward a promotional balance. I have several promotional balances, I am most interested in that one because it was an intentional payment.

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 2019-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: CT

Complaint narrative:
Long story short, a tenant security account was opened at XXXX XXXX. The bank changed hands a couple of times and now no one can find my account. 
Details : On XX/XX/XXXX, I opened a tenant security account at XXXX XXXX  and deposited {$850.00}. In the meantime XXXX XXXX was bought out by XXXX XXXX on or about XX/XX/XXXX. They were then bought out by Key Corp on or about XX/XX/XXXX. 

In XXXX my tenant moved and I tried to retrieve their security deposit only to be told by Key Bank that they had no record of my account. They suggested that I contact the CT Dept of Treasury Unclaimed Property Division. I did, and they have no unclaimed funds in my name. I had to pay the tenants out of my pocket and figure out who to make a complaint to. 

I don't know how or when my account was lost, only that I'm due {$850.00} plus interest from XXXX. I still have my account pass book showing my deposit. My account is # XXXX. My name XXXX XXXX and my mother 's name XXXX XXXX are on the account. ( My mother would handle my affairs when I was deployed with the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Describe in detail the circumstances of fraudulent activity and how I became aware of the activity : I placed 8 checks in my home mailbox on XX/XX/XXXX in the morning and put up the notification that I had mail to be picked up. I noticed the notification was reset to indicate it was picked up on XX/XX/XXXX. ( XX/XX/XXXX was XX/XX/XXXXHoliday and no mail was delivered ) Normal pick up/delivery is between XXXX and XXXX. 
On XX/XX/XXXX, while reconciling my banking transactions with my XXXX accounting system, I noticed payroll check numbers XXXX and XXXX where posted for incorrect amounts. I immediately went to the B of A checking account to investigate. In reviewing copies of the checks, I discovered the fraud. The payee amounts and payee names were changed. While in my B of A account, I noticed three ( 3 ) additional checks altered. Checks number XXXX, XXXX and XXXX were altered and shown as pending. The following details the alterations for the XXXX checks in question : Check number Payee Amt. Altered Payee Altered Amt. 
XXXX XXX {$150.00} XXX {$2200.00} XXXX XXX {$160.00} XXX {$2200.00} XXXX XXX. {$45.00} XXX.  {$2200.00} XXXX XXX. {$80.00} XXX {$2200.00} XXXX XXX {$220.00} XXX {$2200.00} I immediately call the fraud hotline and started a claim to report and recover the funds, in addition, I froze / closed the account. I also, went B Of A to open a new account and obtain cashiers checks for the original payees and original amounts. I was told to return the next day to open a new business account as the business specialist wasnt not in that day. 

Please contact me if you need additional information. 

P.S. It's been ~45 days and B of A is no closer to resolving this than they were since I submitted complete claim information. They keep saying its being investigated and depending on who I speak with the timeline for resolution keeps changing.

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 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery is a debt buyer who is misreporting to at least XXXX, XXXX  and XXXX, a debt they bought from XXXX XXXX XXXX, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XXXX, XXXX. Portfolio lists the debt on the credit reporting agencies as of the date they bought it from XXXX XXXX, which was around XX/XX/XXXX. 

Although I have had numerous phone calls and letters exchanged with Portfolio, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. 

Can CFPB help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX  XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/2017 and XX/XX/2017, then after the disputes it will say 30 day late XX/XX/2017 XX/XX/2017, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.

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 2019-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to go onto the website ( again ) after making sure my initial deposit transferred, and it would not allow me to log-in. First I tried to fix the password on the website, but it would not take my information. It kept saying it did not work. Then I tried calling, but could only reach an automated call. The automated call said I could not talk to a HUMAN unless I had the account number OR my social security. Since I never received anything to do with my account through the mail, I had no account number other than my card. After trying and trying my social security number it said it had no record of my social security NOR my card number! I am not " allowed '' to speak to a human??? REALLY? So I can't log in online, and I can't speak to a human, and they have no record of me!?? What on earth??? I've tried over many days, and now I need to go into the bank ( which I have a feeling they will say they do not manage the website ). I think this is the WORST way to treat people that are obviously in desperate need to access their XXXX   money.

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 2019-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have disputed the information through the credit bureaus and the company Capital One has stated the information is correct although it is not. The account has been sent to another company and is no longer with Capital One. The credit card account is showing that an amount of {$480.00} is owed to Capital One. When I contacted them to resolve the matter they informed me that they no longer have the account. 

If the account is no longer with them and has been bought by another company then it is only right that they report the balance is XXXX with them which they are not. I would like this issue to be resolved immediately because I am in the process of purchasing a house and this is a blemish on my credit file that can be easily resolved with reporting correctly. 

Due to this error I would like to have this information removed from all three credit bureaus. The company 's investigation proved not to resolve the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I went to check my credit reports and I have three collection accounts with XXXX that are reporting thousands of dollars in incorrect information. The information is stopping me from attaining new credit. I have made repeated attempts to call or mail XXXX  for verification with no response.

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 2019-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a computer hacker in my system at the time I accessed my bank account with Chase. They send a payment to a person named XXXX XXXX {$1100.00} using XXXX XXXX. 
I have no knowledge of this person it was a case of computer fraud, where the hacker was mirroring my IP address. 
I reported the case immediately to Chase bank, originally they gave me a credit, but they just reverse the credit saying the investigation found out it was the same login and IP address as I used. Well this is what I have been reporting. 
I would like Chase to reverse the transfer as it is a bank fraud Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
This is in response to a previously " resolved '' claim. The claim number is XXXX. As a result of this complaint, Carrington Mortgage Services agreed to redact or suppress all credit reporting and remove late charges for the dates XX/XX/XXXX through XX/XX/XXXX. They did suppress credit reporting, but have refused to remove the late charges, even after I have continuously called and complained. This mortgage company has given me nothing but trouble regarding any issue I've had, and the late fees have still been piling up and attached to my account. I am seeking to have them removed, and at this point, I think the only way I can get this done is by filing an additional claim. I have attached the document in which this is explained.

Company response to consumer: Closed with explanation