vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
Professional Adjustment Corp. Of XXXX. FL., IncXXXX are the worst company ever, underhanded and not at all repeatable! 
I made arrangement to pay them on the XX/XX/XXXX and there were sent a copy of the check dated for XX/XX/XXXX. They immediately create a draft check on XX/XX/XXXX and took funds prior to they were available.This caused an insufficiency in our Bank account and this is FRAUD. I want to make sure that this never happens to anyone else. I will find ever place to post this experience with Professional Adjustment Corp. Of XXXX. FL., Inc.. Both posting on the internet and to the BBB. I am totally discussed with the creditability of Professional Adjustment Corp. Of XXXX. FL., Inc..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This XXXX Gold card was opened on XX/XX/XXXX ' i started to have financial hardships starting XX/XX/XXXX ' my account was closed onXX/XX/XXXX ' i had a close relative pass away and i was helping my family take care of bills etc ... So that started to put me behind on payments and with XXXX Gold you must clear of balances in full at the end of the month. I informed them of my hardships and they told me as long as i cleared of the balance they would not close or report my hardship i agreed and paid off the balance in the amount of $ XXXX and my card was closed and reported. I'm working on clearing up all negative marks because of my financial hardship at that time and i would truly appreciate if this could be taken off so i can have a clean start again. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had run into financial hardship which in turn I settled the PenFed XXXX  and PenFed XXXX XXXX credit card. The amount of the settlement amount was to be a confidential amount.

PenFed is not reporting the information correctly to the credit bureaus and as of XX/XX/2018 show conflicting information across XXXX XXXX   XXXX, and XXXX. This is negatively impacting my credit score.

In addition, they are reporting how much the settlement amount was for paying the accounts for less. I realize they can report that the accounts were paid for less but they are reporting that I owe the full amount and am still late and they have in the last two months incorrectly reported the information and changed the information slightly each time damaging my credit.

I do not have a XXXX XXXX  or XXXX account with them after paying them in full via a settlement agreement.

PenFed has been contacted and at this time this has not been corrected. I would have suffered and paid a settlement agreement for my mistakes but that doesn't allow them to report bad data and continue to harm me.

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 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: KEYCORP
State: OH

Complaint narrative:
I received a written offer from Key Bank Reservation code XXXX  Marketing code XXXX  on or about XX/XX/18. I promptly applied for the credit card and received it. Then I applied for a Key Bank Active Saver Savings account which seemed to be required to receive the Key Bank {$200.00} credit card bonus. Key Bank turned down my application for a savings account because of one late payment to XXXX XXXX per XXXX. Of course XXXX  disturbingly refuses to tell anything about their rating without all my personal data.XXXX  said XXXX XXXX reported one late payment on my XXXX account. I then contacted XXXX they agreed my account was never past due over one month based on the XXXX payment due date schedule. Further investigation verified XXXX considered an account past due based on the date ( which varies ) they read the electric meter which is 5 to 10 before the payment due date. I dont think Key Bank meant to offer me a {$200.00} Credit Card reward and then deney it because XXXX doesnt follow normal credit reporting rules of considering and reporting a payment late only once it is over one month late. All though my attempts, so far, to get Key Bank by phone and on line text thru my Key Bank new Credit Card account to reconsider their savings account application turn down decision and pay me the {$200.00} Credit Card bonus have fallen on def ears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29 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 — Investigation took more than 30 days
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX has {$14000.00} that is sitting in a lockbox that has not been credit to my account. This money is currently being charged interest and showing up with a high debt ratio on my account. This account is under investigation and is with the office of the president. The company has already agreed that they will credit that they will credit my account all finance charges and therefore I have requested that they please put this charge into a contested amount and should be credited temporarily until the company fixes their internal problems. This problem has been ongoing for over several months and therefore am requesting assistance to get this corrected as my credit score is just one more problem that is hurting me while this long process is not corrected.

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 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/XXXX according to XXXX XXXX ). 

I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group
State: MI

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Twice ), XX/XX/XXXX, XX/XX/XXXX- Blocked their number, they somehow contacted by after blocking it - No amount was discussed and no names were mentioned, they just keep trying to contact me without sending any written notice or amounts - Call is from " XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I received a credit monitoring alert stating I had an account over the limit. When I looked into it, it was for my XXXX XXXX XXXX. I knew I wasn't over the limit because I hadn't used the card. They lowered my credit limit to below my account balance without notifying me - had they notified me I would have paid the {$21.00} difference so it wouldn't have impacted my credit score. I don't think it's a fair practice for a company to lower your credit limit to below your balance and then report it to the credit agencies as over the limit. I received the notification they lowered my credit limit at least a week after I was notified via my credit motitoring alert. I am working to pay this card off because I don't like their practices. When I chatted with a representative online they said I would get the letter and it would tell me what to do in the letter. I'm not sure why he couldn't help me or get someone who could help me. With this age of online accounts and electronic notifications - which my account has a secure message area, why they couldn't sent that to me electronically, then I could have had the oppotuntity to remedy before they impacted my credit report. The company seems unphased - the XXXX card is through 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 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dispute was sent to Portfolio and a request for proof of debt. Portfolio sent a statements from XX/XX/XXXX to XX/XX/XXXX showing a balance of {$2400.00}. 

These bills are not valid because they don't have the correct address and there were no charges showing on the bills to show how the account came to a total of {$2400.00}. 

The name was changed within that time due to identity theft and address was not address at the time of total balance. 

Account balance had been disputed with creditor several times due to bankruptcy and about owed at bankruptcy. 

Identity theft and FTC reports were submitted to all creditor. 

I'm requesting proof of charges from the account number in question ( XXXX ) showing charges to total {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While doing my weekly credit report check on XXXX XXXX, I found a collection on my account which was odd because I pride myself on not owing anyone ( accept XXXX XXXX but thats another story ). 

It says the original creditor is XXXX XXXX, but I've never signed up for cable. I don't even watch cable television because I have XXXX. For it just now to be going to collections, someone must have signed up for something in my name earlier this year ( {$76.00} balance - opened XX/XX/2018 according to XXXX XXXX ). I don't understand how or why someone could do this, this technology world we live in just is not safe anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
In XX/XX/XXXX my husband lost his job due to a company merger. We immediately initiated the process for unemployment insurance and also started the mortgage forbearance process with Freedom Mortgage to ensure we did not lose our home. Since XX/XX/XXXX, I have had to submit additional information five times to comply with the more stringent standards of our FHA loan, and I did this willingly. However, several of the requests were for pay stubs ( mine and my husband 's unemployment payments ) for the most recent 30 day time period because time had lapsed between Freedom submitting the information to the underwriters and the information was considered out of date. Each time I called about this, I was assured by a Freedom representative that this would be the last time the information was delayed and that our forbearance packet was complete and would be submitted. Low and behold it is the end of XX/XX/XXXX and we are still on this stressful merry-go-round except we are back to square one. Freedom Mortgage lagged once again in getting everything to the underwriter and the entire submission expired. I now have to resubmit all documentation and include updated items. I was also told that I should call every day to check on the status - I will do this, but I really hold no hope in this helping.

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 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I had never had any services with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I have made many attempts with this company to inform them of the Identity Theft I have suffer with my credit report. I have mailed in forms of the theft and disputed the account with XXXX, XXXX and XXXX. I made a report with the Federal Trade Commission XXXX. This collection department has refuse to removed this collection from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have made many attempts to contact this collection agency and submitted Identity Theft Federal Trade Commission number to them. I have fax over documents and this agency is not responding to removed this collection from my credit reports as it was a result from Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I was attempting to check mortgage rates on the Quicken website. When I needed to pretty much submit an application to get a rate, I exited the website. I have received three robocalls within 24 hours since then from Quicken and another loan company. The first call from Quicken was about XXXX seconds after closing the internet browser. I told the Quicken employee to remove me from their contact lists and I wasn't interested in applying for a mortgage loan. I am concerned that my phone number is being sold to illegal robocallers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
After hurricane Irma I was given forbearance on my home loan for 90 days with XXXX XXXX XXXX XXXX   At the end of the 90 days I was contacted by XXXX XXXX that I was expected to pay in full the past 90 days or the house would be foreclosed on. They have also sent to the credit bureau that I was in default and it is affecting my credit score. 
I have been paying my mortgage payment every month and I'm still being threatened with foreclosure. I was told by XXXX XXXX when I signed up for forbearance that the missed payments would be applied on the back end of the home loan and I would keep my same monthly payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: IQOR US INC
State: DC

Complaint narrative:
I became a XXXX thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by Allied Interstate LLC that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. Allied Interstate is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue teaching ; financial, personal, and professional sacrifices. Please rectify this issue.

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 2018-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My car ( XXXX XXXX XXXX XXXX ) damaged during hurricane Harvey. My car insurance is with XXXX. XXXX appraised my vehicle at {$16000.00} at the time. I received the car loan from ALLY Financial. They paid Ally Financial {$16000.00} on XX/XX/XXXX. On XX/XX/XXXX my gap insurance called ALLY Financial on the remaining balance which was {$3500.00}. My Gap insurance paid ALLY Financial {$3500.00}. XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a bill from ALLY Financial of {$1300.00}. I called at XXXX and talked to customer service and ask why do I have a balance. Ally Financial informed me that they were charging me between XX/XX/XXXX and XX/XX/XXXX because my gap insurance took about three months to pay the remaining. I informed them it was paid in full regardless of how long it took my gap insurance to pay them. Maybe they should charge me late fees but they were requesting three months of full payments. I was paying about {$420.00} a month before Harvey. They told me that is how loans are and they gave me no help and keep hanging the phone on me when I tried to discuss this situation. I need help because it is unfair and that is why I'm reporting this because I do not want this on my credit report and other customers should not go through this ordeal.

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 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: PA

Complaint narrative:
Received a collection letter from Retrieval-Masters Credit Bureau , Inc. on XX/XX/2018 representing XXXX XXXX for {$300.00} stating is a past due amount. No charge date or purchase date listed as well as any other pertinent information. We don't owe this company anything. Also this is the first such implication of the " debt '' sent to us. Called XX/XX/XXXX at XXXX XXXX. First spoke with XXXX who said the dates she has " don't look right so I'll check. '' Put on hold then phone went dead. Called back and spoke with XXXX who was belligerent and condescending and then hung up. Called back and got XXXX who said he'd go on-line to investigate. Told me " we have no info and you need to call XXXX. '' I contested that and finally he said he would call to investigate and get back to me " in 24 maybe 48 hours. '' Has not returned call. I called XXXX   earlier today and am filing this complaint as instructed. Collection agency information is : Retrieval-Masters Creditors Bureau , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
Throughout the couple of years that I have been paying back my student loans with my servicer, Navient, I have witnessed them consistently trying to mislead and deter consumers from making principal payments. There is an obvious effort to thwart early student loan paydowns by making it increasingly difficult and confusing to make principal payments. Initially when I started making payments to Navient, there was an option to apply additional funds to principal or to pay ahead. Then the wording changed so that " principal '' was no longer included, but instead you were given the option to " a ) apply excess funds towards you next payment ( s ) due ( helping to reduce the total cost over the life of your loan ) or b ) be billed for your full monthly payment. You will be required to make a full monthly payment with your next billing statement. '' I found this extremely confusing as to how my payment would be applied since principal and interest were not referenced at all. This is also misleading since option " a '' mentions that it will reduce the overall cost over the life of my loan. Whereas option " b '' ( the principal option ) does not say that it will reduce the total cost over the life of my loan. Then in the last month I am no longer given the option when paying my bill online to apply the excess to principal. I had to search in the Help Center of Navient 's website to discover that any excess funds that I pay will automatically advance my payment due date by the number of full payments that are covered by the extra funds. The only exception is if I am paying more than twice my monthly payment, then I can choose to be billed for my full monthly payment ( aka make a principal payment ). I also discovered in the help section, that the only way that I can make a principal payment that is less than twice my monthly bill, is if I mail in a check with a separate piece of paper detailing my instructions for how I want my payment applied. This feels like a concerted effort to confuse and discourage borrowers from paying loans off early, and to collect as much interest possible by drawing out the life of borrowers loans. I work in a loan department with a large bank, and even I find the information that navient provides about applying payments extremely confusing and misleading.

Company response to consumer: Closed with explanation