vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
You balance as of today, XX/XX/XXXX is {$730.00}. I do not understand how my balance is at this amount currently, i have the court appointed paper work that shows the total amount subject to garnishment is : Garnishment amount owed : {$1000.00} garnished paychecks : X/XX/17- amount : {$270.00} X/XX/17-amount : {$310.00} The remaining balance should be : {$410.00}, so why is it currently alot higher? Please note per the state of oregon and court documents it states : Inserting items and amounts not lawfully subject to collection by garnishment may result in liability for wrongful execution. please explain as to why the balance is not reflecting what is being garnished, i want full details on the {$310.00} amount that is being added and for what purpose? I have uploaded documents verifying what i am saying and i have paycheck stubs as well to prove what i am saying is accurate. I need full details since you are refusing to send me a letter showing what my remaining balance is along with verification of the garnishment payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX XXXX, 2017 had car accident in a XXXX XXXX - determined a total loss by XXXX XXXX XXXX which paid off PNC BANK in the amount of {$11000.00}. My complaint is against PNC Bank who never sent a final statement of any kind but a late notice dated XXXX XXXX,2017 for {$210.00} which is my regular monthly payment. After receiving this notice I called PNC BANK regarding a final bill notice and was transferred four times to no avail but was informed that I would be contacted which never happened. Then I received another late notice dated XXXX XXXX, 2017. I called PNC BANK again in XX/XX/XXXX and spoke with XXXX who stated that I owed {$370.00}. The following is my calculation : PNC Bank loan {$15000.00} I paid monthly notes....... XXXX ( I have all my receipts ) -- -- -- -- -- -- -- amount owe to PNC BANK {$10000.00} ( XXXX. XXXX. XXXX. Paid {$11000.00}. I owe nothing! Plus PNC BANK received... {$200.00} from my Extended Warranty and never told me. Substact {$200.00} from {$10000.00} equals {$10000.00} Looks like PNC BANK owe me a refund check! Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: OH

Complaint narrative:
My wife applied for a medical health loan through XXXX XXXX XXXX. Her loan application was accepted. The problem I have is that I received an email from Lending Point LLC telling me that I was denied for a loan from them and I never applied for one. My wife applied solely in her own name. Apparently Lending Point, XXXX XXXX, XXXX XXXX and XXXX are all affiliate companies. I do have an account with XXXX XXXX and I am not sure how my information was shared between these companies, but, I do know that I never applied for a loan at all.

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 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affiliated Acceptance Corporation
State: IL

Complaint narrative:
In XXXX 2009 I joined XXXX XXXX XXXX in XXXX Indiana. About a year later I moved to XXXX which did not have a club with the same company so I could not continue my membership. This was turned over to collections and I made over 20 phone calls and finally the owners son was able to help me by finding my cancelation and he got the calls stopped and it did not apear on my credit. Now the company Affiliated Acceptance corp XXXX reported to my credit. The business is closed and they can give me no way to contact the business to get proof I canceled properly and they refuse to take it off my credit. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Company- XXXX XXXX XX/XX/XXXX Balance - {$390.00} This acct was included in my bankruptcy and this business should be fully aware of the bankruptcy laws. The company did not apply in the time frame that was allowed and under these circumstances it should be removed from my credit report. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Nationstar Mortgage has denied my modification twice. The last time in XXXX 2017. DENIAL REASON: NEGATIVE DISPOSABLE INCOME. I have attended two sessions with two separate HUD approved counseling agencies, both of which reviewed my budget. The last budget done ( today ) by the second HUD approved, non-profit agency shows {$500.00} SURPLUS at the end of the month even after paying my mortgage payments. I do not have negative disposable income, therefore the denial reason is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
on my credit report with two different name one is syndicated office systems and the other one is central financial control same account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Please review attached underwriting disclosure for my home property XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. No escrow/financing is available to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I have been receiving multiple phone calls from Central Credit Services LLC regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked Central Credit Services multiple times for them to stop calling my employer and they still continue.

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 2017-07-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: MO

Complaint narrative:
William Fudge is not licensed to collect a debt in Missouri. Williams & Fudge , Inc. XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX XXXX, 2016, we had a wire of XXXX from XXXX XXXX to our Chase bank account. Besides XXXX dollars international wire service fee on service list, the fund was deducted XXXX dollars before came in our account. We want to know who took this XXXX dollars? We tried to contact Chase local branch, they transfer us to their executive office, however no one answers this question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
Was given misinformation repeatedly about the status of my IBR, application submitted in XX/XX/XXXX ( while tax retrieval tool was down ). Was not notified of need for supplemental documentation. Was told by representatives there was no record of IBR application from XX/XX/XXXX. Called multiple times and spoke with representatives not knowledgeable about the ibr application process, who provided misinformation. On XX/XX/XXXX was told to reapply ( the website at fedloan was down all weekend ) and that there was " plenty of time '' to do so before expiration of current low payments per IBR. Four days after this conversation with this representative ( who encouraged me to take time, as there was " plenty of time '' until the next payment due date, and that a new IBR was necessary due to no record from XX/XX/XXXX ), I was sent notification that the XX/XX/XXXX IBR was expired that day due to nonreceipt of tax information. Called again, and was told not to worry, that the IBR was received and would be applied to the next upcoming payment. Then received notification that my XX/XX/XXXX IBR was processed, approved, but would not be applied to XX/XX/XXXX 's payment. Called company to complain about misinformation provided by employees, about an IBR from XX/XX/XXXX, and if I had been allowed to submit tax information for this request, my IBR would have been applied for XX/XX/XXXX and not XX/XX/XXXX. Employees tried to tell me my only option was forbearance, and other costly options which would include capitalization of my loans. Manager would not honor the most recently approved IBR payment amount for XX/XX/XXXX, was rude, raised her voice, and continued to argue that there was no misconduct on their part and that she would provide " more training '' to employees who gave false information. All I asked for was for them to apply the most recent IBR to the next upcoming payment due. This was something they said they could n't do, even though other servicers had done his in the past to correct employee mistakes. Instead of not being able to fix this, they are simply choosing not to. So, they 're simply going to educate their employees, but I have to for over almost {$900.00} of payments I can not afford at this time due to temporary unemployment. This is fraudulent, unethical, and predatory. I feel they are purposefully doing this to steer me towards more expensive options which include capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The dispute is with Target Corp. headquartered in Minnesota. They are reporting two 30 day late payments on all three of the credit agencies. I have 3 issues with my interaction with them. 1 ) 1.5 years ago,
I sent a letter explaining what happened with those late 30 day payments. The issue originally stemmed from the fact that at the Target store in XXXX XXXX, I was told I needed to renew my card and I later found out I was issued a new separate credit card. That was not my intention and the cashier misled me, probably in order to receive some type of commission. The second issue was at the same time, Target was switching over to chip reader on my original card. At this time, I had 3 credit cards and did n't know which one actually worked or was useable. The 3rd issue was at the same time, my wife had a XXXX issue that demanded medical attention. Since she handles the bills, the payment was late but she still would not have known which bill to pay as at the time I had 3 credit cards. After sending a letter, I never received a response from Target ... ... .not even to this day. 2 ) 3 months after I initially sent a Ietter and not receiving a response from Target, I later called and spoke to someone in credit reporting. I went through all the reasons as to why it should be removed and 45 days later I received a response saying the credit reporting was correct. My dispute was not that it was incorrect but several things occurred, most of which is Target 's fault, that caused me to be late both times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have been receiving multiple phone calls from XXXX XXXX XXXX XXXX regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked XXXX XXXX XXXX multiple times for them to stop calling my employer and they still continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
Credit card with BANCO opened with my personal information after my address was changed through the USPS without my authorization and a plane ticket for {$170.00} purchased in my name and a trip made from Florida to Puerto Rico in XX/XX/XXXX. I called BANCO and reported to their fraud dept.

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 2017-07-31 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: Seterus, Inc.
State: MD

Complaint narrative:
We paid off our Mortgage with Seterus in XXXX of 2017, we refinanced with a different lender. The account after 6 months is still reporting on our credit as open. We also never received our refund from Escrow and they have promised to mail us the details over and over but can not tell you on the phone. Now they are reporting on our credit as late over 30 days and we do n't owe them anything or have an account that should be open with them. When you call you get the same thing ... they say they used are escrow to pay our bill in full.. Does not make any sense. Now they want to report negatively now since I have inquired why my account is still open

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid thisXX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :

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 non-monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MT

Complaint narrative:
From Comenity Bank ( XXXX XXXX ) Creditor Repetitious calls every 2 hours ; From both XXXX & XXXX I explained my financial situation months back, and tried to pay this off, now with the interest and late fee 's I am unable to ever pay it off, my daughter was helping and she is now XXXX and we are unable to pay this off, i was going to try to send {$10.00} a month or so if they would go back to the original bill for me, however they only agreed to $ XXXX/monthly payments. I gave up and they have been calling relentlessly without leaving any messages even on Saturdays! Here is only one Example ; Friday XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX I have an answering machine, I am XXXX and no messages left.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
I have was contacted by MCOA back in XX/XX/XXXX. stating that my Driver Licenses would be suspended for tickets that was on a car that I co-signed for. I then told them that I did n't have the car and asked if the that has the car been notified yet.They told me no they had the right to go after me and not him and that they did n't suspend his. Also, I then told them that he had filed bankruptcy on XX/XX/XXXX and gave them the case number and told them they are trying to get double payment, they told me oh well and that I would have to pay as well because it was my name. On XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that even thought it was filed that it was now out of her hands and that it was a part of the bankruptcy department and that she no longer had anything to do with this. I spoke with the bankruptcy department and they said that yes they have the case information but I had to speak with his lawyer to have them get my licenses back. When I explained to them that I have no contact with him they said oh well they would keep them. I also stated that I was on my credit report as well, she said oh well. ( they have removed the tickets )

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