vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have an existing freeze on my account with Experian. After reading about a potential flaw in their system, I tested their PIN retrieval and was horrified to find out that my PIN can be accessed by anyone. 

On Experians PIN retrieval page, I filled out the form with my name, address, Social Security number and date of birth -- exactly the kind of information that was compromised in the XXXX breach, and thats readily available for sale on the dark web. I entered my email address, answered none of the above to the security questions ( which were NOT the correct answers to those questions ) and my PIN popped right up.

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 2018-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX keeps sending other debt companies to collect a debt that is not valid or owed. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX keeps using these companies letter after letter using bad tactics to collect a debt not owed.Stop harassing me about a debt not owed. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint against this company for harassment of my daughter on her cell phone and the company used that opportunity and the CFPB response system inn order to attempt to verify this debt instead of using proper practices to do so. Using the complaint system as a way to verify possible debts with consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Thinking to close this account because I want to pay off the balance which is about {$100.00} but the company is holding back some of the charges making me have to pay in small amounts instead of the entire balance. There was a recent lump charge of {$100.00} made but the charge is showing up partial so I can't pay the whole lump off in one payment. I looked for info on their site on how to close account and it said : Sign in to your account, select More Account Services and follow the directions under Close Account. 

But there us NO 'More Account Services ' link in my account. There is NO email option in my account to contact them that way either. I keep getting error messages when trying to submit feedback to their help page. I am busy and don't have time to wait on the phone to close this account when I'm ready. I need an online or email option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Receivable Solutions XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Account # XXXX I dispute the {$220.00} that has been turned over to you for collection from XXXX Hospital XXXX and all past bills turned in to you for collection. I have been consistently been harassed by phone calls and rude unreasonable people regarding this matter. 


Your letter dated XX/XX/XXXX does not indicate what these charges are for by item. I have no record of any rejection by my health insurance company, ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX ). 

Please provide me with the following documents : 1. Proof of submission to my health insurance company. 

2. Proof of my health insurance denial of coverage of this and all past items submitted to you for collection from XXXX Hospital XXXX. 

3. Itemized explanations of all claimed past and current bills turned in to you for collection. 





Thank you, XXXX XXXX XXXX The above is a copy of a certified letter sent to Receivable Solutions. They have not responded with any of the information I have requested. The protest and request were made within the legally allowed time to avoid having this placed into collection. They did not provide the information as legally required and placed this into collection which I have been informed is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery A : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XX/XX/XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XX/XX/XXXX nor XX/XX/XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Due to jobs loss for my wife in and reduction of income for myself, I started to get behind on our mortgage payments with Freedom Mortgage and started the loan modification process on XX/XX/2018. I sent in all the required documents, including Hardship Letter, Financial Package, W2 's, bank statements, and 4506t.etc. Freedom Mortgage for the past 4 months has made no progress on this loan modification application and seems to be requesting documents every month which I always provide. I've sent updated hardship letter, paystubs and bank statements and for some reason they still can not get to a resolution. I spoke XXXX agent id : XXXX on XX/XX/XXXX and she informed that Freedom had received all documents and everything was complete for review. Another rep call on XX/XX/XXXX and advised the same information and that I would have an answer on XX/XX/18. I called on XXXX to get an update and AGAIN, I was not told that More a bank statements are needed. What seems to be happening is I provided the necessary documentation and they sit on them for 30 days to let them expire ONLY to request new docs which now takes another 30 days for review. Also, my frustration lead me to contact FHA/HUD directly to see if they could be of assistance I have been dealing with XXXX XXXX ( XXXX who provide me ticket # ( XXXX ) and instructed me to send any documents directly to her and she'll forward to Freedom. I have since called back Freedom to file a formal complaint and inform them I will not be sending any more documents to them. I've also request a supervisor call me in this matter.

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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
While I haven't agreed to the defaulted original amount that Hunter Warfield Inc trying to collect for the Creditor named XXXX, Hunter Warfield keeps adding interest charges ( I guess ) to the original amount. I have never received any written notices or verbal notices on that. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I purchased a XXXX XXXX at lease end in XX/XX/XXXX, using a loan from credit union. My town has a property tax on cars that is billed after the fiscal year is over. The tax bill goes to the listed owner, which in this case was XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX that {$250.00} had been paid on my behalf for property tax and the amount was added to my account. I therefore sent a check via my online banking to XXXX XXXX XXXX c/o Chase with the same account information that I had used to pay lease payments. This check was returned as the account was reported as paid in full. 

I have tried calling XXXX on two occasions and have spoken with 4 different service representatives, none of whom could help me. They eventually referred to an agent named XXXX at XXXX XXXX. I have contacted her twice and was sent to voicemail both times and have not heard back. It appears Chase has sent this to collections, but I can't get a clear answer. I can not get anyone on the phone to send me a bill in writing to clarify what I owe or to whom nor how to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I inadvertently signed up on line with Experian for a membership which, as soon as I realized it cost, I stopped the application process ( I thought! ) A {$21.00} charge started showing up on my VISA statement. I called them. I did reach la real person. They agreed to stop the membership and the charge. But that has not happened. The charge is still appearing. I'm afraid to simply ask my VISA company to stop payment for fear doing so would end up showing up as a non-payment of something I had agreed to pay. They could negatively affect my credit rating. Today I tried, using two different " consumer assistance '' phone numbers from Experian and I couldn't get through to a person at all. This has been very frustrating!!!

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 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
We have received a 'notice of default and intent to accelerate ' from XXXX XXXX XXXX . We have already been through arbitration and modification. Our first payment was " lost '' by XXXX. We are retired and on a fixed income. XXXX opened an " insufficient funds '' account. After forced placed flood insurance, attorney fees, late fees, ect., our 'amount due ' went from & XXXX in XX/XX/XXXX to {$4000.00} in XX/XX/XXXX to {$9400.00} by XX/XX/XXXX. Since our social security money is deposited on the third week of the month we were unable to make payments on time. We increased our payments from {$1100.00} to {$1300.00} to make up for flood insurance and late payments. We have paid every month. It's impossible for us to match the fees that are injected into our account. Default is built-in. Our last application for mitigation was cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: MA

Complaint narrative:
I leased a new XXXX on XX/XX/XXXX I suffered debilitating injuries from a slip and fall on XX/XX/XXXX. I could no longer afford my car cause I was on XXXX. MB financial suggest that I voluntarily turn the car in which would save me from a repossession. Now in my credit report it says that it is a charge off and that over 19k is owed. MB financial did not tell me this was going to happen. I called MB financial in regards to this and they were not helpful at all. Now I can not get a car loan or a mortgage because of this. My hands are tied and do not have the XXXX or any money to pay for a car that I no longer lease. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
My mortgage was with XXXX XXXX for a very long time. They sold the servicing to XXXX XXXX In XXXX Florida. I have been trying to work with them to get a modification on my home due to divorce and health problems. When I applied for the modification they told me that I didn't give them the paperwork in time. I showed them the proof from my e-mail that I did give all the information in time for them to look at it. This was incorrect on their part. 
On XX/XX/2018 Bayview told me that they can't help me due to previous modifications with XXXX in the past. I called XXXX XXXX today and my loan is not backed with them? 
I know the Bayview doesn't care if I lose my home but I am working and a single mother and trying very hard to live in my home. 
Anything you can do to help me would be greatly appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
XX/XX/XXXX, a false report showed up on my account under the company name of " Syncb ''. The details included in said claim falsely reported that I had a credit card open with this " bank ''. I've never opened a credit card account with any bank, so as one would assume, this came as a shock to me. I did some research on this company. Coming to find out that I've not been the only person to have this issue with the same company party reporting false claims on the credit reports of other people. On XX/XX/XXXX, I finally contacted the CFPB by telephone and left my contact information with them after explaining that I'm looking to have the claim removed. I then took the initiative to file my complaint online, after it being explained to me as the quickest way to have the claim disputed.

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 2018-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
After Hurricane florence hit the carolinas I called in to see about putting my payments on hold since I was out of work for a week and two days. During this time I also was behind on my payments but I have been making monthly payments, I have submitted a number of documents supporting my income and my cosigner we both are barely making ends meet and im actually trying to make payments and basically I was told that until i'm homeless and hungry they don't care how I make the payments they just need to be paid. After calling and calling I was transferred to the executive office and spoke to a rep who said she would help and of course I had to keep calling because no one followed up, after calling several times being transferred another 7 times, I was told that no one there no could help so I asked for a supervisor at first the manger was at the desk and after the transfer magically he disappeared, and then the answer was o now they have moved on to a meeting. This is the worst COMPANY to ever do BUSINESS with. I Have never seen a student loan company soooooo bad I wish I wouldve never taken this loan out ...

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 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
XXXX XXXX  has ruined why credit profile, they are reporting this on my credit as though I owe them. I dont owe this account. I am a victim of fraud as well id.identiy.  They keep telling me that they have removed it off my XXXX report however as of XX/XX/2018, It is still being reported and Im being denied credit based upon this account showing as collection,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2018 my PNC account XXXX was overdrawn by {$.00} ( XXXX XXXX cents ). I was subsequently charged {$280.00} in overdraft fees despite depositing {$600.00} on XX/XX/18. Among other things I was charged an overdraft fee of {$36.00} for a {$14.00} fee charged by the bank itself. 
I tried to e-mail the head of the bank but since their is no e-mail address on PNC 's website, there is way to address my complaints about this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX was helping my son attain a car with me as a cosigner. The salesman told my son the car payment would be XXXX, verified by my other son, and i would be the cosigner. That night the salesman told my son if he drove the paperwork to my place of employment ( one hour away ) and had me sign as cosigner he could leave with the car that night. My sons drove the paperwork to me and i quickly signed, believing i was still the cosigner for a XXXX a month payment. When the bill arrived in the mail, it was in my name and the payment amount was for XXXX. I basically purchased the car. When my son found this out, he called the auto group and explained what happened. The manager told my son that the salesman no longer worked there and for him to make a couple payments and try to refinance the car in his name. This was for a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX : Reporting that I opened an account with them on XX/XX/XXXX but the last active was XX/XX/XXXX. I neither opened account or have an account open with them this account was closed placed in bankruptcy and discharged in XXXX. The reporting is wrong because its backwards. It was XXXX XXXX XXXX during that time and if it's not that account then it will be fraud I never opened an account in XXXX nor XXXX with anyone for the amount of {$870.00}. If its fraud it will have my signature and I would like to see what they say I recently opened. There is supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 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: Southern Auto Finance Co
State: GA

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX recovered my vehicle due to motor issues and my car not cranking. I contacted SAFCO and asked if thy could postpone my car payment because i had to pay to have the car towed. My next scheduled payment was XX/XX/2018 because they deferred the payment. In between that time i lost my job and could not afford to get the car out of the shop and the mechanic placed a Lien on the vehicle. I didnt know anything about the lien until i received a letter in the mail from the tech. SAFCO then contacted me and i then became verbally abused by the rep and a supervisor stating that " Nobody told me to take a car to a shop '' but if something is wrong with a car where do you take it? They made me feel incompetent and they were very demanding. Even unemployed i tried to pay the car note, insurance and shop fees. XX/XX/2018 I tried to follow up with the tech to set up a payment plan again but was told that SAFCO did not want to pay to get the car and the vehicle now belongs to XXXX XXXX. SAFCO is now reporting the car as 30 days late and as a Profit and loss write-off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/2018 my credit was ran for SYNCB without my authorization and knowledge. I now have two hard inquiries that state that it will be on my credit report for two years, and it also lowered my credit score. I have never applied to this bank. I contacted SYNCB and I was told that I had to dispute it with the credit bureau, that they could not help 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 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC
State: MO

Complaint narrative:
I sent 2 letters to XXXX XXXX which is a debt collector for XXXX XXXX XXXX XXXX. In the 2 letters, I asked for verification of debt they say I owe to them. Anything signed to prove I owe them what they say I do. Any document supporting their claim. I received 2 letters back with the words we have verified the debt with no supporting documents at all. I have the right to dispute their claim since they put it on my credit report and is effecting my credit. Nothing was sent to me. That is not a verification of debt.

Company response to consumer: Closed with explanation