vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Resolution, Incorporated
State: OR

Complaint narrative:
I have been texted repeatedly about a debt that is being collected by ACR. I have texted back to them to let them know to NOT contact me other than through US Mail, and to send me something so that I may either validate or invalidate the debt. They have repeatedly refused/ignored my requests. I have also warned them that I would file a complaint, but that seemed to to nothing. I am currently at work and can not attach screenshots of the communictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank had requested some XXXX documents earlier this year. I provided all the information requested. XX/XX/2019 Citibank called and sent email to confirm receiving the information. Despite confirming receipt of information, Citibank froze my account around XX/XX/19 resulting in check payments to be returned to payees. Citibank has since reinstated my account. However, Citibank will not provide a reason in writing why my account was blocked in the first place. On contacting Citibank Customer Care via their email system, I am asked to call a Citibank number XXXX. I did that which takes me to their general menu with no option to speak to a customer service rep. I sent a second email via their internal contact email but still get the same response - call this number.

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 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This letter is regarding account # XXXX, which you claim I have a charge off and I owe {$490.00} and my account was reported to collections as delinquent for {$490.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent and evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation.

Also please take into consideration that a police report was filed for this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Got surplus check & statement from mortgage escrow account dated XX/XX/2019 saying there's a surplus of {$2400.00}. It said to deposit or cash the surplus check. Deposited the check and 2 days later my bank informed me the check bounced and charged me a bounced check fee. 

I called Ditech mortgage servicing to find out what's up and they said there was something wrong with the account the check was sent from and offered to direct deposit the check plus the XXXX dollar bounced check fee. I gave them the bank name, routing #, account # over the phone and it took almost a week for the funds to show up in my account ( deposited on XX/XX/2019 ) but the XXXX dollar bounced check fee was never paid. It was not even included in the direct deposit. I called Ditech mortgage servicing and was told that the request for the XXXX dollar bounced check fee was put in but did not get paid out. I complained again that when I called last time, I was assured the XXXX dollar bounced check fee would be sent with the direct deposit and it was not. I called again on XX/XX/2019 and told them I have the original amount but not the bounced check fee that's still owed to me. They put in another request but said it has to be processed and did not even tell me when it will be pushed through. 

Later in the day on XX/XX/2019 I found out the company Ditech filed voluntary petitions for reorganization under Chapter XXXX of the XXXX Bankruptcy XXXX. I did not get mail or notice of this and found out online when I logged into my account on XX/XX/2019. 

To date I still not have received the {$20.00} dollar bounced check fee they owe me for sending me a bad check.

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 2019-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This loan is with XXXX XXXX I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called XXXX XXXX twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call Transunion to report the incorrect information and the report came back that the information was correct and I sent the receipt from XXXX XXXX they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.

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 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This loan is with XXXX XXXX I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called XXXX XXXX twice to fix this the first time they told me to wait until the end of XX/XX/XXXX and it will update XX/XX/XXXX I call XXXX to report the incorrect information and the report came back that the information was correct and I sent the receipt from XXXX XXXX they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
I requested a review of my Public Service Loan Forgiveness qualifying payments in XX/XX/XXXX. XXXX has repeatedly told me they are unable to provide a date by when the review will be completed. Today I asked why 37 of 99 payments are not being credited as qualifying to my loan forgiveness. XXXX says my previous loan servicing companies stated they are not qualifying payments due to the payment not being " fully satisfied ''. XXXX maintains they are unable to provide a timely review and response because these payments were made under two previous loan servicers : 1. XXXX XXXX XXXX XXXX and 2. XXXX. I am unable to verify the information on my own other than downloading my payment history and last 3 monthly statements from XXXX. The XXXX XXXX XXXX XXXX is not operating any longer and I have no way of obtaining any documentation of payments made prior to XX/XX/XXXX. I graduated in XX/XX/XXXX and entered repayment in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Stenger and Stenger, XXXX XXXX, Michigan took me to court for a credit card bill and I asked for proof of debt and the case was rescheduled. They mailed me copies of page 1 statements with a noted balance along with a copy of a standard " XXXX XXXX Customer Agreement ''. When we went back to court they said they would send me statement of fraud forms to fill out which asked me to write my name out 5 times. I have been a victim of fraud several times. The instances have included, but not limited to, social security numbers and taxes on two different occasions and most recently someone attempting to forward a debit card belonging to me to Florida. In no way am I comfortable sending several copies of my signature to a company whose business it is to unscrupulously collect debt from consumers. This is against the law because it is the plaintiff 's burden to validate debt. The court is not enforcing this and they both have the upper hand because they know the law and I do not. It is my opinion that the court and the credit collector are using fear and intimidation tactics to unlawfully gain money knowing that I am a layman in matters of law. Stenger and Stenger are refusing to validate the debt and instead hoping that I will concede out of fear or be made to pay by the court because I have no way of disproving their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: Capio Partners, LLC
State: FL

Complaint narrative:
I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The problem is that the collections account is listed as LVNV and I received notification from XXXX XXXX called LVNV they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: SC

Complaint narrative:
I disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX/2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX/2016 when I could not get either entity to follow Federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This is my second complaint. They have the wrong person. I have spoken to them four times, and they admit they have the wrong person. They say they will stop calling my number, but they do not. The phone calls started again today, and I have received three calls on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
We purchased a home on XX/XX/XXXX of XXXX and moved in to the home on XX/XX/XXXX. In early XXXX I attempted to contact our Mortgage Company to make our first payment. The mortgage company informed us that our loan had been bought by Planet Home Lending. I called Planet Home Lending about making our first payment. They would not take my payment over the phone and informed me how to register for an account online and set up auto payments. The gentleman informed me not to worry or rush because I had 60 days to make my first payment. This was a relief to me because my husband is a XXXX employee and because of the Government shutdown at that time was not receiving a paycheck. I then hung up and set up an account online with auto payments to begin on XX/XX/XXXX. Today XX/XX/XXXX we received a phone call from Planet Home Lending informing us that we were late on our mortgage payment for the month of XXXX and would be sent to collections unless a payment was made. I attempted to explain to her about what someone at her company had told me that I had 60 days to pay. She transferred me to a supervisor and I explained again. Bottom line is they did not care what I had been informed of previously, they did not care that we were affected by the government shutdown or try to work with us on payment. They informed us that if we did not pay, the account would be sent to collections and appear as a negative on our credit report. We made a payment but are completely frustrated, angry and upset that Planet Home Lending has such predatory practices to deceive customers into thinking that they don't need to make a payment and then tacking on late payment fees and threatening people with sending them to collections. This company does not care about it's customers and the worst part is the consumer has no choice on who is servicing your mortgage loan so as to avoid predatory businesses like this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: MA

Complaint narrative:
I do not remember this account and I have been writing Experian to gather why they are reporting this account and they have yet to provide a response. The just send me a credit report but no additional information.

I have been trying to get to the bottom of this account and see whats happening with my credit. The only bureau reporting is Experian and I have attached an image showing this.

Why is Experian showing an account that I don't know of and ignoring my investigation requests. I need help with CFPB to obtain the procedure that Experian followed to legally protect my consumer rights. 

I requested to be provided with a description of the specific procedures followed by you, including the name, address and telephone number, of who you contacted in order to verify the information that I had previously disputed previously and that you responded had been verified. 

This procedural request is made pursuant to FCRA, Section 611, Procedure in Case of Disputed Accuracy ( a ) ( 6 ) ( iii ) and is sent via CFPB for tracking and legal enforcement.

Pursuant to FCRA, Section 611 ( a ) ( 7 ), Experian is required to provide that description and specific information to me no later than 15 days of my request.

They have already failed to provide me with the lawfully requested description and information within the timeframes specified by the FCRA and obviously must not have received the adequate proof as verification from the creditors that would have allowed you to verify the disputed information.

Therefore, please delete from my consumer file, and this time I am not requesting a reinvestigation, I am requesting deletion of these items, as required by the FCRA.

Also please have Experian provide me with a new copy of my consumer file, reflecting these deletions, to the above-listed address within the next 15 days.

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 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
At the beginning of this year the bank began charging overdraft fees retroactively. I received overdraft fees for charges that were not overdrawn. The bank has not refunded any of the fees. A savings account that I had was suddenly closed without notice. I've since notified the SEC about the fraud, involving this bank and third party entities, after numerous small charges and itemization began appearing on my account, beginning in XX/XX/2019. Chase bank has further removed the online option to dispute any charges, and requests that such disputes are placed in writing. A relative that holds a Chase account has now also been targeted in a similar way by this bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-22 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Multiple calls a day all from credit Corp solutions but each one has a different city and state that the number originated from. They ask for my date of birth and I just hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: MI

Complaint narrative:
I had a checking account at BOA, and my balance was XXXX approx. I had stopped using the account and it sat there unused. The bank started charging a fee for what I understand was lack of use when it was supposed to be free checking ( by the way it was 4-6 years ago. ) from what I can surmise when the XXXX ran out the bank started drawing from a credit line they charged XXXX and paid it to the account then took XXXX per month to pay themselves until it was gone then charged another XXXX put it in the account and proceeded to do the same thing XXXX per month I believe they did this 4 times until I happened to check my credit and realized this was happening and quickly closed the account. how does the bank justify taking money from my credit line, that they are making money on to pay them selves for lack of use on my account,? making interest on money they are paying them selves and charging me? 
got ta be something wrong here hope this is clear

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