vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vantage Sourcing, LLC
State: AZ

Complaint narrative:
Had a phone with XXXX get water damaged. Phone did n't work anymore. Bought out of contract with phone # 1 for XXXX bucks to verizon. 

Opened up new line for phone # 2 through XXXX wireless advocates online. Received phone, phone does not work or preoperly sync with previous XXXX account or XXXX music. Numerous issues with phone as it was not shipped properly ( literally in the factory packaging with no protection for shipping ). Returned phone before 2 weeks was up due to ineffective phone not working properly even to call people. 

Opened up alternate new line in last attempt to receive proper service with a working phone. Went through XXXX XXXX rather than online distributor. Even worse results with iphone not being able to update while contacted to wifi with multiple error codes and account issues and music issues again. Returned phone before 2 week period was up and was tied into contract. 

Tried again with alternative service provider and much better results. Do not want free service, I want a phone that works which could not be accomplished through XXXX and XXXX. 

XXXX reaches out saying you owe us {$78.00}. I call and talk to customer service. XXXX, a female representative, informs me they will call me back after getting manger approval after getting {$20.00} activation fee removed from account for now {$58.00} owed. They never do and I get new notice in the mail. 

New notice now claims {$220.00} is owed on account that has and already is closed. I can not login online to account due to it being closed, but every notice in the mail indicates it is different. 

Receive new letter saying - {$140.00} has been given back to me or accredited to my account. Receive new notice saying it is now {$560.00} both from XXXX and their collections agency XXXX. 

Calls have been made to family members from collection agency demanding to speak with me. XXXX refuses to solve anything with customer service reps and gives me same run around spiel. 

Nothing is getting solved. If I returned both phones and do not use any line with them and canceled the very first line out of my own pocket, why should I have to pay {$560.00} after they just informed me previously that they took {$140.00} off from the {$220.00}? 

None of the numbers are adding up, no XXXX customer rep can help me, and the bill keeps growing even though I do not owe anything for lines that have been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma wish is an online service only! Their only ways of communcating is by : internet, websites, online, and or by via email! Just sick of business of this magnitude ; being able to conduct business, in the XXXX, or this Country! Then when CFPB launches your investigation, and trying to track down these fools : you 've to come up with, these sorry tired excuses, and worthless explanations! If they 're too big to fail, be challenged, reached, contacted, and seamlessly ca n't be located/tracked down! Why subject it to be so, that businesses of this magnitude, exist in the first place? XXXX XXXX merely tried to play, and mess all over me! In an attempt to get back, at me for some of my complaints, and negative feedbacks : either about themselves, partners, and or their members! I, thought this was the land of the free, and home of the brave! It seems that this, only applies to certain ; classes, and kinds of people! That 's some mess up, cheesy, disgusting, inappropriate, outrageous, and should be deem illegal! I 've sent several complaints, or grievances to XXXX XXXX! However, they had either objected, and or refused to respond to most of my complaints! Things had gotten so much, out of hand, and control! I was left with XXXX choice, and XXXX choice only : which was to unsubscribe, my membership with them! They ca n't take constructive criticism, negativity, being called out, and more certainly ca n't handle the truth at all! You know what CFBP? That sounds like something very personal, and their XXXX problem alone! Now, if I wanted to sign up again or become a member, then you 've to wait for six months! Which to me, sounds like a scare tactic, regrettably attempt, discouraging bluff, form of backlash, and punishment for unsubscribing! WOW!!! Instead of submitting any documents, I 'm just going to mail them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Enterprise Systems, Inc.
State: IA

Complaint narrative:
We have repeatedly for months received phone calls from XXXX XXXX XXXX x XXXX regarding debt collection. I returned the call the first time they called and found out they were looking for a person not associated with us or our phone number. I was assured we would be removed from the calling list. This happened again, again I was assured we would be off the list. We are receiving continual calls. I called them back today, they claimed to have nothing on file with our request - a lie on their part. The name of this firm is National Enterprise System. This company can not seem to understand that the person they are looking for has no tie to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: FL

Complaint narrative:
With this school the lies started at my first meeting with school representative. I am now XXXX and had taken early retirement I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I had been looking for work but my age presented a problem. So I thought if I could obtain some It training I would be more job worthy. I applied at XXXX. I wanted to take XXXX but they said that class was no longer available. XXXX things that were deceptive. I was told cost for class was {$9000.00} which I assumed was a year. But it was per semester. also they always filed the student loans for you all I got was confirmation that the loan was approved. When that money was not enough the school would allow you to take out a loan with them. But this loan had to be paid back immediately where as the Fed Loan gave you 6 months after graduation to begin payments. But they never told me that because I assumed all the loans would be handled the same way the school loan went into collections. I have since paid it off. I personally asked the professor in assembly if the school was accredited he said that it was. I learn now that 's not the case. I really feel bad for the Vets alot of them when there to get their " paper '' saying they have an XXXX degree. I was contacted by a representative of XXXX XXXX XXXX XXXX. stating they could have my remaining debt of {$13000.00} completely eliminated and get the {$10000.00} I have paid into my student loans returned for the small fee of {$990.00}. Is this leget? Been scammed once dont want to go through that again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
XXXX XXXX XXXX promised me job placement upon graduating when in actuality no employer would hire me after finding out their deceptive trade practices and XXXX XXXX lied about their job placement statistics and upon signing up said that my loan was a grant instead of explaining that it was a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I have been trying to make payments for my student loans under the XXXX program. However, every time I make any change to my account, I am given bad or incorrect information regarding how to make payments, when payments will be made, how long changes to my plan status will take to be changed, etc. Each of these delays costs me XXXX of dollars in payments and interests and delays the time in which I will be finished with my payments. FedLoan Servicing has been terrible regarding the information that they give me, which is extremely inconsistent between customer service representatives and has caused errors in my payments and processing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SunTrust Home Equity line of credit keeps reporting to XXXX and XXXX bureau wrong information about the original date to when my case was opened. The date reported is wrong, and even though my lawyer keeps writing them letters about what they are doing wrong ; SunTrust keeps sending letters to me about the same case all over again. My case was opened and reported in XXXX, XXXX, but it was sold since XXXX, XXXX. I had sent several letters to this company telling them about the right date and about the closure of this case. My prepaid legal services in Florida has been sending to XXXX and XXXX letters to fix my credit, and to report the accurate information with the correct date it was opened and reported. SunTrust equity line of Credit said they will fix it but all they do is send letters with the wrong date and nothing gets ever done. Instead of sending the right date, they just write the same date that my prepaid legal services writes in the letters they send there. This account has been sold and reported lost since XXXX XXXX. This entire situation is ruining my credit, and I am getting tired of receiving these letters. I keep receiving letters about my case and how is reported in XXXX ( this is not accurate since it was reported in XXXX not XXXX ). This case was reported about seven years ago and it should already be solved. This case had also been reported to the IRS and they decided to close the issue. I do n't understand why this is still permanently on my credit. They should either remove it completely or have the case with the right date and information. I want to do some things with my credit such as buy a house, but I ca n't do that because of this issue that is holding back my credit. This is a violation and is of customer right to the and unaffair resolving of credit. I would like for this problem to be solved as soon as possible. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA
State: TX

Complaint narrative:
This student loan service offers no deferment or forbearance. I am in-school status and they were deferring it for awhile, but now they will not even consider this status. There offer no options, they only want payment. They are setting me up for default. 
XXXX College

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Revenue Recovery Bureau (Closed)
State: CA

Complaint narrative:
XXXX XXXX of Provider Recovery Network, XXXX XXXX, XXXX XXXX, CA XXXX, telephoned my daughter several times and threatened to sue her and ruin her credit if she did not immediately pay a debt in person. She XXXX, and XXXX harassment caused her much distress. He claimed that the debt was an unpaid hospital bill. My daughter is an adult dependent covered by our family health insurance, and we have paid every bill ever received. I spoke to XXXX on XXXX/XXXX/2015 and told him to send the bill to me, and to stop contacting my daughter. To date, I have not received any bill from him ; I believe there is no debt. I would like written confirmation that we owe nothing. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XX/XX/2017 I send a certified latter of " Validation of Debt '' to Scott & Associates PC XXXX Texas XXXX XXXX : File No XXXX.They have not send me the documents I requested within 30 days. following are the documents I requested : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. 

Moreover.I informed that there claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Fay Servicing has taken over one year to get our mortgage dealt with that they acquired XX/XX/XXXX. This has destroyed our credit file, they are unwilling to show current status XX/XX/XXXX, or give me a quick refi due to the over 9 % ( XXXX ) we are at now. It takes weeks to get an answer, and seems this is a top down mentality to ignore clients. I deal with delays due to communication for weeks, up to a month - that is with me emailing weekly doing follow up. 

All requested paperwork from Fay was sent in XX/XX/XXXX, at once. Then we are told they did not receive parts. We find that strange because it was all sent in as one package, to say you got some parts, but not all is suspect - which meant more delays. 

Many times I asked for a stays update, always saying not the right paperwork ( company canned answer ). I can prove my paperwork was sent in, however they choose not to act, instead ignore the facts. 

Finally after 4/5 months XX/XX/XXXX they put me on a Forbearance Agreement that lasted two months, then a Trial Modification Agreement that lasted four months, then finally after a year ( XXXX 5 months wasted ) my loan was modified to be current only - no mention of a better rate. In the meantime our credit file has felt these timely delays on the part of Fay Servicing only to result in a declined score. One would think that this is done by design to trap people in high rates and bleed them as long as possible, due to the unwillingness to work with their client. A simple XXXX search told me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1. I believe the bank is knowingly sending out mortgage statements late. Last month it came on XXXX XXXX for Payment XXXX XXXX XXXX. ( was told 3rd party does mailing ) 2. Is assessing late charges for bank error. 
3. Is deliberately dismissing complaints by making it impossible to get assistance by phone through their Customer Care line. Must write for assistance. 
4. Sending out form letters denying customer issues without looking into the situation. 
5. Takes no responsibility for even the possibility of a bank mistake 6. Has a policy of " stonewalling '' the customer so they can not resolve an issue 7. Does not call customer when requested to do so 8. Has no one available at the branch to advocate for client - local banks have no mortgage information and can only contact Customer Care on client 's behalf. 
9. Claims they post payments on the day they are received ( I hand delivered a payment on XX/XX/XXXX to the branch - but the payment was not posted until 5 days later. )

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 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
debt was included in a bankruptcy Chapter XXXX case number XXXX, this was filed on XX/XX/2016. this should be removed. I disputed this account to the XXXX credit reporting agencies and the creditor and they did not remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Overton, Russell, Doerr and Donovan, LLP have been attempting to collect a medical debt even after the debt which was the result of an error in insurance billing was straightened out. At no point have we owed XXXX XXXX XXXX any money. The co-pay was paid at the time of the visit. The " debt '' was the result a billing error on the hospitals part. The issue has been resolved. The hospital assured us they contacted Overton, Russell, Doerr and Donovan, LLP but they continue to send us threatening letters stating our credit will be effected if we do n't pay a debt we do not owe. We have been very cooperative with Overton, Russell, Doerr and Donovan, LLP in attempting to clear up this issue. They for some reason refuse to leave us along and are threatening us with our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I currently work for XXXX and have an HSA account through HSA Bank. I earned health incentives in XX/XX/XXXX. One of the services was performed on XX/XX/XXXX However, HSA Bank did not deposit the incentive into my account until XX/XX/XXXX. I understand it is XXXX 's policy that incentives deposited in XX/XX/XXXX are put towards your XX/XX/XXXX contribution ; but I do n't believe it is fair when other co-workers of mine had doctor 's appointments in XX/XX/XXXX and had their incentives deposited in XX/XX/XXXX towards their XX/XX/XXXX contribution. I think that if you earned something in XX/XX/XXXX, it should be deposited towards your XX/XX/XXXX or else you could be left with a tax burden if you no longer work with the Bank in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Account Outsourcing Group, LLC
State: PA

Complaint narrative:
Several years ago I had a credit card which my fiance ' ( at the time ) used without my permission. I had tried several times to make arrangements with the original credit card company for payments that I could afford which were declined so I let the debt go so to speak -- Now a different company ( who purchased the debt ) has been calling my employer -- I contacted them and asked them NOT to but they continue. I also requested that they send me a copy of the debt ( because the amount they say I owe is NOT the same as the amount I was told before ). I also asked for payment arrangements in writing and the rep ( XXXX XXXX ) told me NO WAY -- they will NOT send anything in writing and that I would need to provide them with my checking account information for direct withdrawals. I am now filing a complaint because of the fact that they will not stop calling my employer and that they refuse to provide me any information in writing.

Company response to consumer: Closed
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
To my recollection XX/XX/XXXX Unifund CCR Partners seized money that I had in XXXX. I never received any notice or certified mail regarding any type of court dates. The debt was not owed to them directly. They bought the debt from XXXX. Then XX/XX/XXXX they garnished wages from my employer. To date they 've taken over {$3000.00}. I was recently contacted and notified that I was part of a class action lawsuit against Unifund CCR Partners because of their illegal and unethical business practices. Which is exactly the case with me. I won a very small amount because of the number of claimants. But nevertheless, I won the case against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Checked my credit report, around XXXX XXXX, 2016, and noticed Merchants Credit Guide reporting a negative collection account. I immediately disputed it with all XXXX major credit bureaus and also mailed Merchants Credit Guide two letters to either verify or delete this account from my credit report. I still have not received any response to my second letter which I sent by USPS registered mail with return receipt and will be attaching all documents that I sent them and the proof of delivery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation