vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
Received an alert from consumer credit monitoring service that a collection account had been placed on my XXXX credit file. Debt had previously been disputed and removed because the Original Creditor and their previous collection company had both violated the bonding requirement prescribed by Texas Finance Code Section 392.101 by attempting to  collect on a debt in Texas without having a Surety Bond on file with the Texas Secretary of State. Original Creditor has again violated the same Texas laws and also specifically by violating Tex. Fin. C. 392.304. Violations of the Texas debt collection act are per se violations of the Texas Deceptive Trade Practices Act. Tex. Fin. C. 392.404. D.T.P.A. damages for violations of the Texas debt collection act are not limited to economic damages but encompass all actual damages, without regard to whether the conduct of the defendant was committed intentionally. Tex. Bus. Com. C. 17.50 ( h ). The Texas act also applies to first-party creditors, that is, entities attempting to collect their own debts. Tex.Fin. C. 392.001 ( 6 ) ; Tex. Fin. C. 392.301, 392.302, 392.303. The Texas act also allows for injunctive relief. Tex. Fin. C. 392.403 ( a ) ( 1 ) ( A person may sue for injunctive relief to prevent or  restrain a violation of this chapter. ) Both creditor and the new collection agency failed to give any notice of the debt prior to placing the item on my consumer credit file. The Original Creditor has lost its right to collect on this debt because they previously violated Texas Consumer Protection laws and are deceptively causing the consumer to lose rights by transferring/selling the debt to another collector.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: GA

Complaint narrative:
I have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my file

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 2018-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
I received a letter from a debt collection agency on XX/XX/18 for 2 student loans, totaling > {$50000.00}. I was not informed by the lender by phone, mail or email that this was an issue that was being sent to collections. I was previously on a reduced payment plan of $ XXXX. After speaking with the lender directly today, I am told this repayment plan is only effective for 3 months and can be renewed for an additional 3 months, with a limit of 6 months total for the entire life of the loan. When attempting to set up this repayment plan, the lender representative informed by that I must also pay back the entire past due amount of {$2100.00} to make my account up to date. When I expressed that I was happy to make an alternative arrangement, and that this option is not financially feasible and does not give me enough time to get up to date before the expiration of the repayment plan in 3 months, I was told that there are NO other options. When I attempted to make a good faith payment to attempt to find time to write a letter to the lender to resolve the issue, I was referred to the website, as I was unable to make a debit card payment by phone. I had my checking account information saved on the site ; when attempting to make a web payment, there was an error. ( A representative told me that there are " issues '' currently with the payment system and I may not be able to successfully make my good faith payment today ). I explained that my excessive financial obligations far exceed my income, and the fact that they have sent me to collections now impedes my ability to make credit purchases or take additional loans for emergency situations. I have XXXX small children and am looking for additional employment and need to buy a reliable car in order to continue to work and make payments to my lenders ; this report to debt collection has now likely impeded my ability to do so, and thus it will be difficult for me to maintain my current job, as well as obtain additional employment, and take care of XXXX children as a single parent. Despite multiple attempts to make a resolution, this lender has told me there is nothing that can be done. Please help me to remedy this situation, I would like to set up a modified repayment plan with recurring automatic payments, but am told I have no options. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. XXXX  and Experian has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2018-03-22 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing presently in wish to gain your help. Presently I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/2017 and I am submitting this in order to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Called went on website and disputed nothing was done

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc.
State: GA

Complaint narrative:
XXXX college was a school I attended in the fall of 2013. I had a family situation and had to withdraw from school however, I withdrew within a timely manner. The financial aid department was notified within the appropriate time frame to withdraw from classes without being penalized. At the time I used financial aid and had subsided and unsubsided loans. XXXX XXXX was the loan originator the school sent the loan money back to XXXX XXXX. After the loan money was sent back which is required by law when u withdraw within a certain time frame. XXXX decides to charge me for the semester which is not correct. Legally you can withdraw from any intuition that receives financial aid with a grace period to withdraw and not be penalized. The debt is with a collection agency by the name of Meade & Assoc the debt totals {$5200.00}. I have proof from XXXX XXXX that the loan was returned with date. Purchased a house a year ago this came up however, I showed loan officer the proof and they closed the deal. This need to come off my credit the credit bureau are not investigated this at all. I have even sent them documentation can you please help in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I called XXXX on XX/XX/2018 and purchased a XXXX XXXX XXXX XXXX XXXX   for delivery to a friend, on my Account List, XXXX XXXX. When I got email confirmation XXXX clerk erroneously had it delivered to me, not him. Called XXXX and 3rd Party Vendor less than 3 minutes after order placed, both agreed to cancel purchase. 
I later purchased it, for delivery to XXXX XXXX for the XXXX advertised price of {$940.00}, XXXX XXXX XXXXSynchrony Bank continues to fraudulently charge me {$1100.00} not {$940.00}, the correct price pursuant to actua order placed and XXXX Website!

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 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: AZ

Complaint narrative:
The company is named Concord. That is all I know and they are trying to locate a XXXX XXXX at my telephone number of 12 years. I have explained on numerous occasions that this number does not belong to XXXX XXXX and to please stop calling. 
The number they call from is XXXX. 
Concord has called the following dates : XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number again. 
XX/XX/XXXX XXXX - inbound At this time I have filed a complaint with the FTC as well. This company has also told me that they will remove the number from XXXX account. However ; they have not stopped calling.

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 2018-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing presently in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 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: MD

Complaint narrative:
Called went on website and disputed nothing was done

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 2018-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America referred my mortgage to a law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX MN XXXX ( XXXX ) XXXX with a pending mortgage modification application. 

Bank of America is also reporting a mortgage escrow shortage that doesn't exist

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 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDICO. INC
State: SD

Complaint narrative:
My complaint doesn't fit the predefined categories. I have medical debt that I owe and there was a judgement sent out they garnished my wages. An amount I couldn't afford. An attorney stated I can go bankrupt or offer a wage assignment. I opted for the wage assignment, {$150.00} out of every check. Last year I paid over {$3300.00} and this year {$750.00}. The debt started at {$6000.00} and they still say I owe {$6000.00}. I asked them to send and itemization of everything they have taken and what they applied it to. The rep said they do not have to and will not do that. I asked for the supervisor and received the same response and that more debts have come in. I said that's fine if you can justify it but I still want copies and they refused to send me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2017 I contacted XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( # XXXX ) after finding out that my name was listed under a collection action with a credit card balance of {$XXXX}. The original creditor was XXXX XXXX. First, no one from the recovery company contacted me personally, verbally or in writing to discuss this or even request payment. No court action was filed and in fact no proof has been provided to the credit networks to justify this collection action submitted to the credit networks naming me, XXXX XXXX XXXX. I was a co-signer on this account but was never told the account was in arrears or that a collection action was about to take place. If they can name me for being responsible, and so list my name under a collection action on my credit report, why could they not notify me in writing to have a chance to resolve this before they took it to collections?

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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. Equifax and XXXX has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent Outsourcing listed a debt collection on my report for an amount of {$320.00} for a XXXX bill. On XX/XX/XXXX, I wrote them requesting a debt validation letter for this bill which they say I owe. They sent back an itemized bill which IS NOT validating that debt. On XX/XX/XXXX, it is notated that they received my certified letter but still could not produce a validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when I searched Illinois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP.

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 2018-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GMH Associates Inc.
State: MD

Complaint narrative:
I refinanced my home inXX/XX/XXXX with GMH Mortgage. I closed Wednesday, XX/XX/XXXX, with no problems and emailed my contact XXXX XXXX to let her know. She responded with helpful information about payment coupons and cash out checks.

On XX/XX/XXXX, I emailed XXXX to let her know that I received my property tax bill that was to be paid from my escrow account, and I emailed a scan of the bill. XXXX  acknowledged receipt of the property tax bill and said she forwarded it on to the servicing manager and the title company. I assumed it would be taken care of and didn't think of it again, until I received a delinquent tax notice in XX/XX/XXXX. I had to scramble with XXXX XXXX, the company my mortgage was sold to, to get the overdue tax bill paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I recently pulled my credit report and noticed a collection that I did not receive notice from mail or phone call from XXXX. I called customer service about the account and the automated system notified me that my account was being handled by Diversified Consultants Inc. I have not received a phone call or letter in the mail from Diversified to discuss my account. The account is on my XXXX and the acct # from XXXX is XXXX and was last reported in XX/XX/2017 2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i am writing today because i have previously disputed this account referenced in this dispute not only have you not deleted this inaccurate account from my report but you didn't even mention in this consumer statement that this account was in dispute as you are supposed to. the law says that if a consumer disputes an account you have to write that this account is in dispute since you have not done so it leads me to believe that you have not conducted an investigation at all, why is it so difficult to get things done by you it feels like every time i send a dispute that it is a wast on the postage fees it feels like i am just sending a dispute and your computer sends me a letter that says verified without you guys doing anything. why is it so? why cant you do your job and conduct an investigation. plus you violated the law by not adding a statement that this account is in dispute.

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 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
The BBVA Compass bill pay service failed to deliver a payment by a scheduled date of XX/XX/XXXX resulting in late fees with my apartment complex. OnXX/XX/XXXX, I submitted a scheduled payment into the BBVA Compass bill pay system for delivery by XX/XX/XXXX, before the daily cutoff time for processing on the next business day. For some unknown reason the BBVA bill pay system did not process the payment on the next available business day, which was XX/XX/XXXX. The payment instead processed on XX/XX/XXXX, and due to this delay in processing the payment was not delivered by the scheduled date of XX/XX/XXXX. The payment was finally delivered on XX/XX/XXXX, which resulted in a {$35.00} late fee being assessed to my account, ( {$25.00} for XX/XX/XXXX and {$10.00} for XX/XX/XXXX ). 

I then contacted BBVA Compass Digital Services support to let them know about the missed due date and to request a refund of the late fee. I was asked to provide XXXX XXXX, a manager with the company, documentation from my apartment manager detailing the issue. In the document my apartment manager clearly described the late fee, why I was charged the late fee, what my rent due date is and the grace period for the balance to be paid by. Rent due date is the XXXX of each month with a 3-day grace period, and late fees begin accruing on the XXXX. 

However, after reviewing the information, XXXX XXXX stated the BBVA Compass bill pay delivery guarantee is based on the actual due date of the bill and does not take grace periods into consideration. I find this statement misleading and confusing. First, how would BBVA Compass know what the actual bill due date is without the customer first telling them what it is? Second, there is nothing in the BBVA Compass bill pay system that lets you specify the actual due date for a bill payment as you can only set a scheduled due date for delivery. Anyway, she went on to state I was at fault because the payment was scheduled too late for it to arrive on time, and BBVA Compass will not refund the {$35.00} late fee to my account. 

My position in this matter is that the BBVA Compass bill pay system failed to process my payment in a timely manner and failed to deliver my rent payment by the scheduled date of XX/XX/XXXX, regardless of the XX/XX/XXXX due date set by my apartment complex.

Company response to consumer: Closed with monetary relief