vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hello PLEASE READ the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to Portfolio and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
The following appears on my XXXX report stating the balances are due for XXXX  : XXXX XXXX XXXX, XXXX {$90.00} Open Date XX/XX/XXXX XXXX XXXX XXXX, XXXX {$170.00} Open Date XX/XX/XXXX My insurance policy was cancelled at the end of XXXX, and I was not covered under XXXX  - nor did I owe any money for time in-force The policy stated : if you do not pay the renewal premium on or before end of the insurance period, then the policy will be canceled. 

Consumers can not be charged for a terminated/canceled policy. Furthermore, I was covered by another insurance provider for/during the period they are trying to collect on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I was sued in small claims court by Midland Funding LLC., XX/XX/2019. 

I had reciepts that showed that XXXX XXXX XXXX balance transfer paid off XXXX Bank {$4700.00} XXXX XXXX XXXX, in the summons, swears in an affidavit by XXXX XXXX, full-time employee of Midland Cedit Management, that i owe XXXX The matter was not resolved, but continues back in small claims court XX/XX/2019. 
I agreed to send XXXX XXXX Firm copies of my reciepts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 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: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MA

Complaint narrative:
Hello XXXX XXXX the items before responding. I am not looking for a rehash of the debt allegedly owed. Please respond to each item. 

1. The XXXX 's agreement states that I have a right to arbitration with the company XXXX. Do you agree that I have the absolute right to arbitration? 

2. I have properly notified you that I chose arbitration with the company XXXX through your attorney XXXX, XXXX XXXX XXXX XXXX. I have a signed card that the attorney has received this demand. 

I have attached the demand form. 

Please note I also sent the notices to XXXX and XXXX. 

I filed and paid the {$150.00} filing fee. However XXXX returned the money as you didn't pay your required fees. 

You are legally bound to the contract. I demanded arbitration. You continue to report to the credit reporting agency. 

This is breach of contract, violations of fdcp, fcra and Massachusetts 93a laws. 

Since you did not arbitrate as required, I demand that you delete all items from the three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I had my first initial phone conversation with XXXX XXXX from Radius Global Solutions regarding a charged off auto loan account I have with  XXXX XXXX XXXX on XX/XX/XXXX. On that phone call I stated to Mr XXXX that I am unsure if I would be able to put any money down towards this debt at this moment. On a few separate dates since then, most recently on XX/XX/XXXX - Mr . XXXX called my wife and was going to get into the account had she provided our address and last 4 digits of my social security number. She has stated that she has received a call from that number she received a call from on XX/XX/XXXX several times before but she did not answer, I also am unaware of how they obtained her phone number and also what right he had to try to pass on information regarding my debt without getting consent from me to speak to anyone else. I also have a credit report from late XXXX during which time I was applying for a mortgage and we spoke to someone on a teleconference call from XXXX XXXX XXXX ( XXXX ) and had stated that my account was closed with a XXXX balance. I am also sure of the fact that my number is listed on the do not call list and I have noticed that Mr . XXXX continues to call from different local numbers and area codes in attempts to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Performant Financial Corporation
State: IL

Complaint narrative:
After resigning from a college sorority, XXXX XXXX XXXX at XXXX State University, the sorority notified me of {$2300.00} in penalties for events such as social receptions they say I missed without notification, which was untrue and I never agreed to pay. XXXX XXXX of XXXX, IN started contacting me. I sent the attached letter on XX/XX/XXXX demanding proof that I had agreed to pay, which they never sent, along with a notice to stop contacting me by phone. The XXXX tracking confirmation is attached.

XXXX XXXX has continued attempt to contact me by phone. The first call after my certified letter notification not to contact me came on XX/XX/XXXX and has continued.

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 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Have Been trying to make a regular payment for two weeks. Their app will not allow me to link a new bank. It still is not completed. Made a payment over the phone but they will not drop the {$27.00} late fee. Agent was rude and repetitive and controversial. Refused to help. Refused to get us a supervisor. We have tried their CHAT function. Its just form generated answers. We tried EMAIL. Same thing.

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 2019-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: SC

Complaint narrative:
I am a victim of identity theft and have notified the owner of the fraudulent loan, XXXX XXXX XXXX, and their collection agent, Weltman, Weinberg & Reis Co., LPA regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Weltman, Weinberg & Reis Co., LPA that I have not received any response to, and will provide a summary of my dispute below. 
A private student loan, account no. ending in XXXX, was obtained in my name without my consent or knowledge. I received a collection letter from Weltman, Weinberg & Reis Co., LPA dated XX/XX/2019 seeking collection on the above-referenced student loan. I have been attempting to notify Weltman, Weinberg & Reis Co., LPA since receipt of the collection letter that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Weltman, Weinberg & Reis Co., LPA on XX/XX/2019 notifying them of the fraudulent nature of this account, but have not received any response. 
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with the original creditor, XXXX XXXX, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NE

Complaint narrative:
Two collections were owed and were being collected by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, ( XXXX ) XXXX, ext XXXX XXXX XXXX. The first collection was for {$960.00} and the second was {$650.00} both owed to XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX was handling this collection for XXXX XXXX. An agreement was reached with XXXX Representative, XXXX XXXX for payment of 60 % of the debt in the amount of {$970.00} and it was agreed that it would be deleted from my credit report. The amount of {$970.00} was paid on XX/XX/2019. 

On XX/XX/2019 I received a collection notice from Phoenix Financial Services in XXXX IN in the amount of {$650.00} owed to XXXX XXXX  XXXX XXXX. Again this collection agency was handling the collection for XXXX XXXX. This is the same debt that I already paid through XXXX XXXX. It is apparent that XXXX XXXX has a habit of these kinds of practices because they have many complaints through CFPB and through the XXXX  for the same kind of stuff. 

Now Phoenix Financial is threatening my credit if this isnt paid and is causing me the burden of providing proof that this debt has been paid. When is someone going to stop these bottom feeders from doing this to people? To begin with I am aXXXX XXXX XXXX   service connected XXXX Veterasn. My medical bills are paid by the VA at no cost to me. The original creditor just didnt want to do the work to collect from the VA so they wrote the debt off and the bottom feeders at XXXX XXXX picked it up to start their shady collection practices. I should have had to pay this debt at all but I wanted to maintain my credit so I nbegotiated a settlement I could live with. What I cant live with is XXXX XXXX continuing to try and get paid more than once for these debts and using multiple collection agencies to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I called to close my checking account on XX/XX/XXXX. I was told I would receive a check in the mail. I had not received the check so I called to follow up on XX/XX/XXXX. I was advised by the representative to call back on XX/XX/XXXX to reissue if I did not receive over the weekend. I called back XX/XX/XXXX to request reissue, which was granted. I had not received anything by XX/XX/XXXX, so I called again to inquire. I was told that I should receive by XX/XX/XXXX, and that the bank did not receive anything back from the post office, so the issue is likely with the delivery. I checked with the post office and they have not received anything. Also to note, I have never had issues with any mail correspondence for this address. 

I was advised that if I don't receive by XX/XX/XXXX that another check will be mailed, which concerns me because something clearly isn't working in that process.

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 2019-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Good Morning, I know there is a lawsuit against Navient. I graduated from XXXX ( XXXX  XXXX-XXXX XXXX  ), XXXX XXXX College ( XXXX-XXXX  ), and XXXX University ( XXXX in XXXX XXXX  ). I have served over ten years in XXXX XXXX XXXX XXXX XXXX XXXX, and I am being denied the {$18000.00} loan forgiveness because I had to combine my loans because I could not afford XXXX per month student loan payments. I have also been rejected for XXXX loan forgiveness ( I worked as a XXXX XXXX XXXX, etc. ), as well as public employee loan forgiveness. I am being denied three types of loan forgiveness programs because I had to combine my loans to ensure that I did not default on those loans because I would not be able to afford to pay them and was being a responsible adult. 

I upload all the documentation from Senator XXXX XXXX reply as well as the XXXX XXXX loan forgiveness denial letter from Sallie Mae. Sallie Mae transferred my loans to Navient. I now work at the XXXX XXXX XXXX XXXX in XXXX, New York which is another XXXX XXXX XXXX working with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score dropped 133 points from XXXX and spoke with Equifax and was unable to to get any answers of why my credit score dropped by so much. then I was hung up on. My XXXX account is at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am a victim of identity theft and have notified the owner of the fraudulent loan, Discover Student Loans, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Discover that I have not received any response to, and will provide a summary of my dispute below. 
A private student loan, account no. ending in ****************XXXX was obtained in my name without my consent or knowledge. When checking my credit in XXXX, I saw a credit entry for a student loan in my name with Discover Student Loans. I have never opened an account, obtained a loan from, or co-signed on any loan with Discover Student Loans. I have been attempting to notify Discover since seeing the entry on my credit that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Discover on XX/XX/XXXX notifying them of the fraudulent nature of this account, but have not received any response. 
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with Discover Student Loans, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Loan transfer date XX/XX/XXXX Loan balance at transfer was {$2200.00} escrow bal was {$1800.00} This is mrcooper previous Nationstar Mortgage # 1 requested a payoff amount. The quote was expired the day before I received it. Still charged {$30.00} for quote # 2 I was told they ( by law ) could not make any payments from escrow account for 60 days from the time they took over the loan. I informed them that my taxes were going to be late so I would pay them that day XX/XX/XXXX. I was told to send my receipt showing that I paid to XXXX which I did. Just moments after I sent the receipt they showed a disbursement from my escrow of {$1300.00} with a balance of {$570.00} and this was the same day I was told by law they could not do this. 
# 3 On XX/XX/XXXX I tried to make a payment of {$2200.00} but the website would only let me make a total payment of {$2100.00} after which they took the better part of the remaining escrow and was notified the loan was paid off and all remaining funds would be refunded within 30 days. I called the county tax collector and they send their payment back on XX/XX/XXXX but now I am expected to wait ( at least ) 60 days for my refund per mrcooper.I have talked to a number of mrcooper reps and seem to get a different story from each. The issue is simple why tell me from more than one person that by law they could not disperse any funds from escrow account for 60 days of obtaining my loan and the day I send them a receipt they decide to send the funds also?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC.
State: FL

Complaint narrative:
The company claims only after I got involved with the insurance company that the claim was paid, this is not true. I did NOT get involved with the insurance company the company did not submit the claim properly and only when they resubmitted the claim properly they got paid. In the mean time they destroyed my credit for 5 months causing {$500.00} worth of damage to my credit. The company takes no responsibility and has not done the right thing by paying for the damages to my credit.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
As your ditech company had said that it would give me a refund when it will send the current tax receipts, I already sent it to you weeks ago, just need to send the taxes of the school, and that comes in XXXX. therefore I ask for the return of what I paid extra from XX/XX/2018 to today date ... I ask for a refund of the difference i have paid extra.as you told me in a letter company will refund me. 


And still need some readjustments in the account are missing ... I hope they meet this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BAY VALLEY MORTGAGE GROUP
State: CA

Complaint narrative:
XX/XX/2019, Took our money XXXX and did nothing to help us, Gave us fake documents to get a fake mortgage. They have now stolen our credit and sold to the Black market. WE are filing a law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allegiance Accounting Services, LLC
State: NC

Complaint narrative:
This company called me yesterday XX/XX/19 about an unknown debt fromXX/XX/XXXX for the amount of {$860.00} ... ... I have no knowledge of this particular situation. Also it is from a state that I do not reside in ... .They also had an incorrect last name on the account. And they threaten to sue me several times during this call which made me very uncomfortable. I'm totally unhappy with this experience and they could not provide me with any proof of signed contract or anything as I spoke with them to try to figure out about this unknown matter. The representative I spoke with name was XXXX XXXX the company name is Allegiance Accounting their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank loan payoff department operates irresponsibly, negligently and is purposefully misleading. Further, Citibank loan dept. refuses to send statements for closed Checking Plus accounts that have a remaining balance. I have made numerous attempts to have my monthly payments automatically withdrawn from my bank account. However, the bank has applied two payments directly from my non-Citibank checking account in bad faith. 

Despite numerous phone calls to Citibank loan and LOC dept., the customer service representatives either ( 1 ) do not know the procedure to set up automatic deduction, or ( 2 ) transfer my phone call to another department who does not handle loan or LOC payments. 

Citibank loan department operates in bad faith and egregiously violates basic customer service and lending rules for the general public by not allowing easy access for their loan payoffs and not allowing consumers to see their loan balances through either regular statements by mail or on-line access.

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 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2017, XXXX XXXX, XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation