vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Service, Inc.
State: PA

Complaint narrative:
I recently have been receiving phone calls from a collection agency called XXXX XXXX XXXX stating that they purchased my debt for a credit card from another agency. 

I haven't received any letters or notifications on any attempt to collect this debit. In addition the person that I spoke to a XXXX XXXX stated that they have been mailing the letters/notices to me for the last 8 years to me but the address they had on file was incorrect as I have not resided at the said address for 8 years! 

In addition Mr. XXXX threatened me and stated that they were going to take me to court and that they were going to garnish my paycheck immediately if I did not give him by banking information to start making payments. 

I checked my credit report and did not find anything that is in collection or past due. I have also checked into the company and have seen several statements made that they are scamming people into paying for debts that are either several years old or that they do not even owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I noticed a collection on my credit report for a medical bill that was invalid and that I was unaware of. The account had been sent to collections with CommonWealth Financial. I mailed a certified letter to the collection agency disputing this debt and requesting its validation and/or removal from my credit report. This letter was mailed on XX/XX/XXXX. I waited the customary 30days for a response from the collection agency, but none was ever received. I then mailed another certified letter to CommonWealth Financial requesting validation or removal of the debt from my credit report on XX/XX/XXXX. I have not yet received any response to my disputes from this company. The original debt remains on my credit report, and it is negatively impacting my purchase power as a consumer in good credit standing. I am now completing a complaint with XXXX against CommonWealth Financial for their failure to comply with my repeated request, and their violation of the FCRA and FDCPA, as well as potential state and local laws. I would advise any person that has business with CommonWealth Financial to be cautious of their business practices, their lack of transparency, and willingness to violate the Fair Credit Reporting Acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a bank account with Chase Bank in XXXX XXXX Tx. A week after i deposited a check, my funds are still not available. I've called the bank and asked them to remove the hold. They claim the hold is due to my address not being verified. I did verify my address with the bank representative, using my Texas state identification card. I also received mail from Chase bank at this address. I'm not understanding why close to {$1000.00} of my money is being held from me because of a mistake made by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
I sent in a request to close the escrow account for taxes and insurance a year after the loan closed. The servicer Home Point Financial denied the request on XX/XX/19 stating there was a 2 year waiting period. I escalated via their call center and on XX/XX/19 spoke to a supervisor who claimed that I had agreed to maintain escrow for 2 years in the closing documents. I disagreed and challenged him to provide evidence that I had agreed to 2 years. They came back with a clause from the promissory note saying I agreed to be bound by the lender 's policies and procedures, which were not defined or disclosed anywhere in the documents. He claims this constitutes my agreement to be bound by the 2 year policy or any other policy they could define at any time. 

The broker whose advice I relied upon as the lender 's agent told me I could remove the escrow account at any time after 6 months. 

I do not believe this loan servicer should be legally allowed to make up whatever terms they want and treat me as being contractually bound by that when I did not agree to those terms. I would never have knowingly agreed to take on a mortgage with no rights to cancel the escrow account. 

Furthermore, Home Point stated that they would not accept a payment of principal and interest and apply the payment per my instructions, but would simply not apply the payment and treat it as if it had not been received, even if I pay the property taxes and insurance premiums myself outside of escrow. In other words, they are making it impossible to pay my principal and interest unless I also deposit to escrow against my will. 

This is abusive behavior and that is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midland has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/2019 I scheduled a payment request for the total balance of my Gap Visa credit card ( managed by Synchrony Bank ). I had taken an early withdrawal of my retirement funds to pay off all of my high interest outstanding debt. I had scheduled the payment of {$10000.00} to process on XX/XX/2019 to allow time for the funds to hit my bank account. When the funds were deposited a day earlier than expected, I tried to edit the payment so that it would process immediately. Their website did not allow any changes, so I cancelled the scheduled payment and then resubmitted a request to process immediately. The confirmation number for this cancellation was XXXX. The payment was processed on XXXX, which brought my balance to XXXX. However, the next day, XX/XX/XXXX, they still processed the cancelled payment, withdrawing an additional {$10000.00} from my account ( which required the bank to dip into my savings to avoid an overdraft ). When I called to report the error, they informed me that the soonest they could refund the amount of the overpayment was XX/XX/XXXX and they could only do it by paper check. I have since spoken to two supervisors and they both stand by that policy, even though they have no problem withdrawing my funds immediately through ACH. Given the slow pace of the mail, that means I will be nearly {$11000.00} poorer for almost 3 weeks, AND I run the risk of these funds being stolen or lost in the mail because of their policy of only distributing refunds via paper check. The only reason I even had that much money was because I made the difficult decision to pay tax penalties and early withdrawal penalties in order to eliminate my high-interest debt. I am not a wealthy person, and I can't really afford to wait 3 weeks to get my money back, though it appears that I will have to find a way to make that work somehow. There are a variety of problems with their policy that I do not think are fair or ethical, and they probably should not be legal. Why did they accept a 5-figure payment on an account with a XXXX balance? How is that they can take my money immediately, but can not return it in the same manner? Why is it that I have to pay penalties and interest if I fail to pay them back in a timely manner, but they can just keep my money as long as they want and I have to just bite the bullet and take it? I did also try to see if my bank ( XXXX XXXX XXXX XXXX ) could do something to address the issue, but they could not get the funds back once they had been transmitted to Synchrony.

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 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I disputed this debt via another debt collector last year that had this debt and it was deleted off my report due to not having proper documentation to collect the debt. Also once this debt was removed it can not be placed back on my credit for collection and if it does it gives me the right to sue any party that violate my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have been paying my loans back faithfully for 4 years. Just the other day, XX/XX/28, I learned that the amount due is now MORE than the original amount borrowed! What the heck is this? I am aware that Navient, my current loan holder, has a lawsuit pending against it. I just learned this but I see why. This is outrageous. What kind of fine print " disclosure '' did they slide by me? Please do something about this. It is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting a balance due on the XXXX XXXX partial account numbers XXXX and XXXX. This account is over 7 years old. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I tried to get some financial assistance which the company offers during times of hardship. I ask at the outset of the process for the underwriting guidelines so I knew what to expect and how to fill out the application properly. They wouldn't provide the guidelines, nor would they tell me anything about them. I had to resubmit the P & L 6 separate times with 6 separate reps from the company telling me 6 separate things. In the end they denied it because of an obscure underwriting rule that they never told me about even though I had repeatedly asked them to do so. 

My sense is that they offer these assistance programs with no intention of making good on the program. The guidelines were obscure and the representatives were vague and didn't know their own program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid 700 's. I have opened 3 new credit cards with XXXX, XXXX XXXX XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few thousand dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ XXXX credit available and $ XXXX in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX

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 2019-03-07 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 — Investigation took more than 30 days
Company: TCF NATIONAL BANK
State: GA

Complaint narrative:
I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I was contacted by " XXXX '' representing a 3rd part debt collection agency, representing Santander Bank, on a vehicle loan that originated in XX/XX/2007. He threatened to garnish my wages, proceed with legal action and notify my employer of my delinquency, The amount owed is {$3200.00}. This is the 8th call I have received TODAY this number and the 43rd call I have received in the past week, resulting in being harassed as well. When speaking with XXXX, he was extremely pushy with his suggestions to resolve the debt and would not take " no '' or options that I offered up for resolution. He got his manager involved and told me that I could lose everything if I didn't settle this today, offering to take 1/2 the payment today as long as the other half was paid in full by XX/XX/XXXX. This account DOES NOT show on my credit report as it was removed almost 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
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: AES/PHEAA
State: FL

Complaint narrative:
My student loans have evolved to the point where they are completely unaffordable for me. Although I have been making my income based repayments, Fed Loan reported an increase of {$500.00} to my overall amount, this in turn caused my credit score to drop by 90 points! Although I have been making my payments, they just now reported this and there is no way I can stop it. My only alternative is to find another company to service the loan. Since the loan is so large, I haven't been able to do so. If this continues, not only will I never pay the loan off, I also will never have a decent credit score. My score dropped from a XXXX to a XXXX. I feel hand-cuffed and there is nothing I can do. had I known about the IBR earlier, perhaps I could have mitigated the amount of interest that was accruing. I may never recover from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
A XXXX XXXX account # XXXX Date opened was XX/XX/2017 and the first reported was XX/XX/2017 with a 6 month terms and that with was convert to close status of XXXX that was written off or purchased by another lender by the name XXXX XXXX and account # XXXX I HAVE SEND ALL THREE CREDIT BUREAU PROOF OF IDENTITY THEFT, POLICE REPORT AND MY JAIL RELEASE DATE PAPER. I HAVE BEEN XXXX FOR LAST 15 YEAR AND WAS RELEASE XXXX XXXX.

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 2019-03-07 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: CA

Complaint narrative:
Back in XX/XX/XXXX, a friend of mine offered to pay off my student loan. I contacted XXXX XXXX   and the US Department of Education. I went back and forth for days before a supervisor at XXXX told me to hand write a letter of compromise. I am asking that I only pay back what was borrowed, since none of my payments over the years have even touched the principal balance. 

My income driven payments went from {$45.00} to {$180.00} per month. I can not pay this and have explained it multiple times to XXXX and US Dept of Edu. The last call I received from XXXX, ( XXXX ), was rude and did not listen to me. She was hasty in saying that settlements are never offered. Im only requesting that the interest be waived and then we will pay you in full. 

Now there are missed payments being reported to the credit agencies, so my score is suffering even more because of my student loans. You are treating me like an uneducated criminal, when all I did was go to college. 

Below are my notes from conversations with XXXX representatives. 

XXXX XXXX instructed me to write a handwritten " letter of compromise '' fax it to them at XXXX account number : XXXX XXXX and her supervisor employee ID : XXXX XXXX forbearance XX/XX/XXXX XXXX XX/XX/XXXX XXXX My account should have been in a forbearance after speaking with XXXX on XX/XX/XXXX. 

XX/XX/XXXX XXXX XXXX -- - Update - XX/XX/XXXX Now my payments have jumped from {$180.00} to {$200.00} per month. My rent went up in XX/XX/XXXX and I can not afford this. They only take income into account when calculating monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been trying to work on my credit and I have not received any mail from XXXX  and TransUnion.

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 2019-03-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been trying to work on my credit and I have not received any mail from XXXX and XXXX

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 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank response states that the customer opened your Essential Checking account on XX/XX/XXXX, and you did reach a balance of over {$250.00} by XX/XX/XXXX, which was forty-five ( 45 ) days after the account was opened. However, the requirement of maintaining a minimum daily balance of {$250.00} for forty-five ( 45 ) consecutive days was not met because the account was closed at a zero ( 0 ) balance on XX/XX/XXXX. Therefore, this account was disqualified from receiving the bonus. 
This information is incorrect due to the fact that Fifth Third Bank closed the account without refunding + {$390.00}, is still liable for unreturned funds ( as of XX/XX/XXXX ), and balance on XX/XX/XXXX should have been + {$390.00} ( refer to CFPB COMPLAINT XXXX : XXXX & XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are incorrectly reporting a balance due on the XXXX XXXX partial account numbers XXXX and XXXX. This account is over 7 years old. This is a violation of the Fair Credit Reporting Act and this incorrect reporting is hurting my credit score.

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