vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Credit Corporation
State: FL

Complaint narrative:
i applied for and was preapproved for {$500.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued drivers license and my bank statement for address verification, i was APPROVED and UNDERWRITTEN for {$500.00} credit limit. One week later, I received the card in the mail but never actually looked at it to verify any of the information. I activated my card and was able to use it one time for a transaction under {$35.00}. I checked the card and noticed it has my former last name, XXXX. I sent an email to XXXX to request my information be updated. Then randomly today, XX/XX/2018, I received an email stating my account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
You are hereby under provisions of Public Laws 95-109 and 99-361,  also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: CA

Complaint narrative:
Equifax confirmation number # XXXX I requested a investigation into 2 items on my credit report. 
They are the following items XXXX XXXX XXXX XXXX XXXX Equifax dispute results were these two items no longer reporting them on my credit file.

This is false or they reinserted them without notifying me because I just pulled my credit report as of today and they are still reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I had a XXXX XXXX XXXX for 2 years never miss a payment of been late.. The car was total loss in XXXX in or around XX/XX/XXXX. I got in touch with my insurance company which was XXXX and they did there part as soon as they could and I was pleased with them and during that time I called to PNC bank to report the incident and they was in touch with my insurance company and worked everything out with the payment which they paid over XXXX and Gap insurance was paying the balance which left a little over XXXX. I spoke with PNC bank several times about the payments and to keep them informed and we kept each other informed about the process and PNC new they were getting paid and they proceed to place a late payment on my credit and knowing that they were getting paid and they new the exact date that the check would be process. I would like the late payment removed off my credit because I have never been late with any of my payments on anything and I think it is very unfair for them to place this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
They come out with lower numbers only when I can't make payments when from XXXX to {$580.00} to {$300.00} a month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
I contacted the branch that I opened an account with I supplied all pertinent information even the corrections. I indicated to them that I wrote a check and if that check did not clear I could be held liable for fraud or writing a bad check. 

the branch XXXX said so and she did not care and she froze my account and funds. I told her this is illegal and I will be pursing a complaint against her and the agency. She is very unprofessional. 

The XXXX XXXX received those funds and the state cleared them and they stated to where I wrote the check that it did not clear and the funds was insufficient which was a major lie.

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 2018-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CASH AMERICA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I received the email below today XX/XX/XXXX from a XXXX XXXX from XXXX XXXX. I believe this is a very old payday loan I took out XXXX   years ago, and then lost my job and was unable to pay it, however I am not certain. I did receive one phone call from a woman who stated she was collecting for " XXXX XXXX '' but i did not recognize the name of the payday loan company, so i asked her who they were? She stated it was a payday loan I a took out from XXXX in XXXX. I advised I was not working and unable to pay and she became very agitated and hung up on me. Today I received this email. 
Sincerely, XXXX XXXX XXXX! 
Notice Under US Federal Law & FDCPA-811 ( Action Required ) Inline image XXXX Case File # XXXX The District Courthouse Balance Due- {$960.00} Lawsuit File Cost # {$8000.00} File Transferred- XX/XX/XXXX NOTICE OF LEGAL CREDITOR - XXXX XXXX 

Dear XXXX XXXX, This is to notify you and requires your immediate attention. Our Attorney is going to file a lawsuit of {$8000.00} in the District Courthouse shortly. It is a legal requirement to send a notice of intended litigation before legal proceeding in the District Courthouse is issued. You have the last day to tender payment in full on the Account or arrange for exact settlement of the balance. Kindly note that the XXXX Sheriff Department will be involved in this matter. 

We have repeatedly advised you of your long overdue balance but you have not made any payment and we have turned your account over to our Attorney and instructed them to commence suit without further delay. There is still time, however, to avoid lawsuit if you email us on time. This will be your last opportunity to resolve matters without the expense of court proceeding. 

XXXX If you ignore the notice, charges will be pressed against your Name are, a ) Theft by Deception ( ACC ACT 21A ) b ) Collateral Check Fraud c ) Violation of US Federal Law & FDCP Act-811 Note- This carries a maximum sentence of 2 years of prison and a fine up to {$8000.00} We trust that you will now give this matter appropriate attention and attend to payment on time so that no further action will be necessary on our part to recover payment. If you are unable to attend to payment today please respond to the notice so that alternate arrangements for paying and securing the debt might be considered. 

Note- Failure to respond to this notice may result in a negative report to the Credit Bureau Payment in full is required to stop collection activity. 

Kindly do not ignore the notice and co-operate with us so that we can close this case File outside the Courthouse. 

Thank you for your assistance in this matter Best Wishes, XXXX XXXX. 
XXXX Department ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello, I bank with TD Bank. 
I made a mobile deposit on the amount of, {$1100.00}, the check deposited It was from XXXX XXXX, back in XXXX last year, The check cleared on my account but after six months td bank took the funds out of my account and told me that the reason why is because the check was deposit twice, When in reality I only deposit one time through the app. I try to fix this issue with TD bank, But unfortunately it was unsuccessful so without no options I decided to do a police report which I have attach here, td Bank did absolutely nothing to resolve the issue, they closed my account and report me for the Credit bureau. It is affecting me tremendously, Im trying to follow up with a detective but shes also not communicating with me, Im really frustrated, and I need help as soon as possible. 

Thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX is attempting to foreclose on my property with fraudulent robo signed assignments. I have asked debt validation, and sent 2 QWR. I have not received a response from either. The assignment are fraudulent and fraud can not be the basis of obtain a deed ; therefore, the notice under power of sale is fraud and cant be used to conduct a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Did what was requested to register for a Freeze on-line. After completing, received notice it did not go through & asked to call. Should have been able to complete on-line - unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Since XXXX of XXXX I've been contacting First Federal Credit Control and have been transfered to XXXX XXXX every month regarding their False Reporting to XXXX for a medical  bill which they specifically stated they did not have any contact information for me and this is why XXXX XXXX XXXX XXXX gave the information to FFCC. I must say after hours and hours of research and getting to the bottom of this, the physician had all information prior to seeing them. Then FFCC argued for about 2 months, XXXX XXXX from FFCC wanted all types of proof of this bill being paid. It was paid prior to them reporting this. I proved it and she said it should come off my report because there is no debt and she was sorry it happened but it was reported because they supposedly didnt have any of my information. Finally in XXXX of XXXX FFCC emailed me a copy of what they said they sent to the Credit agencies. XXXX XXXX and XXXX XXXX. Every month to this day this is still reporting and now when i call XXXX just tells me to have XXXX call her ( this does not happen and XXXX said they will never call a collector ) Now, FFCC   stated that they do not call the Credit Agencies and so now FFCC is totally in the wrong by not helping me ( the consumer ) do to their error. this is affecting my Credit Score by 20+ points and is obsurd that this is still on my XXXX XXXX both companies should merge together because XXXX and FFCC do not care about anything they do that affects others. Horrible at trying to help the consumer get the correct reporting 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 2018-09-25 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: U.S. BANCORP
State: IL

Complaint narrative:
I have been to US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX paying one of my companies credit card at XX/XX/2018. At branch I hand my ID, company name and {$1200.00} to teller. Same afternoon I received phone call from US bank XXXX department to inform me there is still around {$100.00} balance I hadnt paid yet. At spet XXXX I went to other branch to pay the remaining balance. US bank told me the {$1200.00} not going to right account. And new balance is XXXX which I had to pay. After the branch contact XXXX department, they would told me the amount going to my other company credit card. All they can do is pay that one first which is XXXX something. The rest of money can go to right account. Since there is mistake made by us bank employees, why US bank charge me XXXX more term interest on my cc balance?

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 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
They called me IQ Data International.. on XX/XX/18 I had no idea I had two things in collections..

The guy was screaming at me and using abusive language with me, threatening my credit if I didn't pay the full amount on that day.. he wouldn't even give me options to pay, or give me time to THINK HOW i was going to resolve the issue. 

I felt violated and highly disrespected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX calls 30 times a day from different state phone numbers late at night early Sunday mornings non stop harrassment.

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 2018-09-25 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX said they verified the bankruptcy through the courts. The courts do not verify any information with any credit agencies or third parties. 

I sent them a letter from the courts that proved this

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 2018-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I would like to file a complaint regarding the repayment of my students loans. 
1. The total amount due is incorrect 2. There are no deferment, forbearance, unemployment, or hardship options available for me.

3. Being harassed EVERYDAY with calls and emails about loans.

I am not attempting to avoid making payments however, I was not out of school 30 days before Navient began calling me! They have called every single day and emailed every single day and Ive communicated that I am looking for employment, living with a friend, and not able to make payments at this time. I have asked for deferments or forebears but to no avail!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, Equifax, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, XXXX, Experian shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.

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 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
We have our house payment on automatic withdraw from US Bank. Our insurance went up which caused US Bank to have the monthly payment not applied and moved to suspended until the unapplied funds in the amount of {$130.00} is collected- even though they took the money from us but still charged a late fee. We were not notified of this increase, spoke to 2 customer service reps and they would not waive the {$130.00} late fee ( we paid the mortgage - it is on ach ). The customer service reps spoke in an abusive matter not helping. We are never late on a payment this happens every year when the insurance goes up and there is not enough in escrow. US Bank has the worst communication, we had 1 phone call that sounded like a scam. A late fee had already been assessed.

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 2018-09-25 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: WI

Complaint narrative:
XXXX XXXX said they verified the bankruptcy through the courts. The courts do not verify any information with any credit agencies or third parties. 

I sent them a letter from the courts that proved this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I am currently disputing a debt with Convergent XXXX and have asked the following company to provide me with documentation attesting they have documentation I am asking for, I have sent two letters to the company the first one was accepted by this company. The second one was " refused '' I sent it via certified mail and they refused to accept the incoming mail. I am reporting this because they should be accepting the mail I sent them and should give me the information I am requesting from them or say they in fact don't have this documentation but communicate with me not just reject the mail I sent to them.

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