vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank t o refund {$700.00}  XXXX  to credit card customers for unfair and deceptive practices.     I did not receive any refund from  Citibank eve n though i enrolled in  Identity Monitor s ervice in the service from  XXXX  to  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 2017-05-03 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services is reporting a medical collection on my account from  XXXX   XXXX  in the amount of $  XXXX  {$2500.00} with a status date of  XXXX / XXXX / XXXX  and a date of first delinquency in  XXXX . This is inaccurate as it should have been filed with my full coverage medical insurance in  XXXX . I paid a co-pay at the time of the visit, as well. The representative from Credit Collection Services told me he did not have to provide me with a copy of the information showing this is a valid debt. I also called  XXXX  and they said that it would have been filed with insurance and did not have any information on this debt. Also, at the time of the hospital visit, I was told I could pay {$350.00} to not have this filed with insurance and there would be no additional bill OR I could have them file with my insurance. I chose to file with my insurance. This information is grossly inaccurate! As well, is n't the representative supposed to provide validation of the debt instead of telling me that he does n't have validation and is n't required to provide it? This is either an issue with  XXXX   XXXX  's billing/claims department or the insurance company and no one will resolve it!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
I have a a unverified account from ERC #  XXXX . I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C .1692 g,   I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following :  1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease  and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX I unknowingly overdressed my account by XXXX cents. On Tuesday XXXX a {$50.00} deposit had funds available, at XXXX XXXX I double checked my account balance then went to get groceries. On the morning of XXXX I woke, checked my account and saw that I was charged an overdraft. I called the bank, the representative explained to me I overdrew my account by XXXX cents on Monday. Overdraft fee # 1 was charged on XXXX ( which must have been after XXXX XXXX, because I checked my account and went to get groceries ). She then told me that another overdraft fee is going to be posted to my account because I used the funds from overdraft # 1, which then overdrew my account again and set me up for overdraft # 2. I asked if there was anyway I could dispute these and the domino effect that is following, she explained there was nothing I could do and then went on to sell me all the overdraft services. I 'm upset that XXXX cents is costing me {$70.00} and I 'm upset that if an overdraft fee is charged, it 's not posted in a timely manner or that I 'm not notified in a timely manner so I can avoid future charges and the domino effect that could happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Background check is stating that I worked in  XXXX   XXXX  California in   XXXX   XXXX   XXXX   Under the name  XXXX   XXXX   XXXX . I 've never worked in  XXXX   XXXX  California and I have not use  XXXX  sense I was married in  XXXX . I had only been license 4 months in   XXXX   XXXX  . So I need it removed from my background information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I submitted a complete modification package on   X/X/17    . I was advised my loan was assigned to underwriting on  X/XX/17   . I have been asked to submit the same documents and updated documents and i have sent them everything they need. I started this in  XXXX  and it is  XXXX  now. 4 months and they tell me every time i send something in my loan goes to the bottom of the list and that the review can take  2-8  weeks to review. It has been more than 8 weeks now. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
credit collection is attempting to collect a debt that has been placed and discharged in  XXXX   XXXX  I have tried to dispute this matter a  million  times, and they refuse to cease reporting. They are in violation of the FCRA and I talked with a collection attorney about pressing charges. I will NOT pay for something that was already  discharged  in the bankruptcy, and this account has also been re-aged which is another offense. I have uploaded information where their are  XXXX  collection agencies reporting to my account at the same time, and out of the same city and state for the same debt. I am currently attempting to see if credit collection services and credit control services are the same business.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Since  XXXX   XXXX ,  XXXX   XXXX   XXXX  has been reporting  XXXX  collection debts to my credit. My understanding is that  XXXX  relates to an old   XXXX   account P.R.A. purchased, and the other relates to an account originated with  XXXX   XXXX   XXXX .     I also understand that P.R.A. is allowed to report the account as a collection to the various consumer credit reporting agencies, if it meets certain criteria. Unfortunately for me, theyve decided to report each account to the credit reporting agencies  XXXX , utilizing different account numbers. For example, the  XXXX  account was reported by  Portfolio Recovery  to  XXXX  under account number "  XXXX  '' while  Portfolio Recovery  simultaneously reported it to  XXXX  and  XXXX   XXXX  with account numbers "  XXXX . '' The reports are identical, i.e., the amount shows as {$3100.00}, and the report indicates the delinquency date is from  XXXX   XXXX . The only difference is that  one  report was made utilizing "  XXXX  '' and the other reports with "  XXXX . '' This causes me a big problem because when creditors run combined reports, where data from  XXXX ,  XXXX  and  XXXX  are merged into a composite report, it causes the debt to report  XXXX , i.e. {$6300.00} shows instead of {$3100.00}. I have spoken to the various credit bureaus and each confirmed the reported account number showing on the report is exactly what P.R.A. reported to them.     I have made disputes multiple times, and each time P.R.A. apparently has verified its information as accurate and should remain reporting exactly as it is. As the differences are apparent even to a layman like myself, I can only assume Portfolio is intentionally reporting these accounts as multiples, and therefore inaccurately.     As of  XXXX   XXXX ,  XXXX ,  Portfolio  collections are still reporting single accounts with different account numbers from  one  bureau to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Company has furnish accounts with credit Bureaus for collection of un-verified debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 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: KY

Complaint narrative:
I am  one  of the people that has been affected by The  U.S. Ed. Dept. 's Loan Forgiveness Bait  and Switch  Sham. I h ave been paying on my loans before  Former President   XXXX  may it law in  XXXX   XXXX  loan forgiveness. When the law was enacted I was happy thinking that in  ten  years my student loans would be forgiven as a federal employee.  XXXX  or  XXXX   XXXX  I contacted my loan servicer FedLoans to see why on my bill  ( s  ) it stated I had only made  41  qualifying payments toward forgiveness of my loans. I was told they would research and contact me within 90 days. No call and/or no response. I contacted the loan servicer in  XXXX   XXXX  and was told I was not under the correct payment plan until  41  payments ago. That I had been under forebearance, etc. and not a payment plan. All along I thought my payments were going to loan forgiveness. I thought I had less than a year left on my student loans to tell me I have  five  plus more years to pay. I HAVE BEEN MISGUIDED AND DECEIVED. I was offered no appeals, etc. The loans have been serviced by several different companies within the Department of Education 's umbrella. I have been told I 'm now in the correct payment plan and under the correct servicer. I DO N'T THINK THE WHOLE PROCESS IS FAIR. I have been paying on these student loans over 10 years ; and thought I had come on a good thing. BUT I WAS FOOLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
My issue has been ongoing since    2016.    Discover has continued to delay my credit for the fraudulent transactions on my credit card. I have sent the company the documentation they were looking for and responded to the CFPB, stating that they needed " additional time ''. They have gotten over 1 year to " investigate '' this issue and clearly are purposely avoiding crediting me the CORRECT AMOUNT of credits.
i have included  XXXX  screen shot of an example of confirmations for sending discover faxes even though they state they never received them More documents will be uploaded over the course of the week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE FINANCIAL c ontinues to report  XXXX  accounts on my credit report. I paid these accounts &amp; they agreed to remove them as part of the agreement ... They are damaging my credit &amp; I need them removed per our agreement ... I 'm attaching the report for proof they 're reporting as of  XXXX   XXXX ,    2017 ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: Ditech Financial LLC
State: FL

Complaint narrative:
my mortgage servicer ditech paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow. ditech took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit. ditech readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX  ditech paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse ditech the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with ditech. the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P &amp; I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX  ) the money " held in escrow '' should have been reflected as P &amp; I and my credit needs to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: NY

Complaint narrative:
Accounts remain un-verified and or innacurate ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
My  Dr. Office   XXXX   XXXX   XXXX , sent a bill in  XXXX  to my old address. I never received the bill.  Credit Collections USA  then tried collecting this debt from me. I immediately contacted my  Dr. Office and  paid my bill. My  Dr. Office  said they would contact  Credit Collections USA to have them remove the deb t from my credit bureaus.  Credit Collections USA is n ow refusing to remove it because they are saying I did not pay them directly. I have attached proof that   XXXX   as forced them off my credit report but now they are reporting to  XXXX . This debt has a {$0.00} balance and is no longer mine. I have also attached the receipt/letter from my  Dr. Office proving my debt is  paid.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In  XXXX   2017   , I applied online for a   XXXX    position in  XXXX   XXXX , TX. I was interviewed by phone and was hired to   XXXX   XXXX   XXXX   XXXX  . The owner,  XXXX , stated he needed the   XXXX   XXXX   prior to his arrival so he would be mailing me a check for my 1st week of payment. On  XXXX   XXXX     2017,  I received a check for {$2400.00}. I called the owner and he explained that {$400.00} was my advance, {$50.00} was for   XXXX  supplies,  and the remaining {$2000.00} was for the realtor as the key would not be released until payment was received. I was given the realtor 's bank account information and told to deposit after I withdrew my portion. On  XXXX   XXXX , I walked in to  Navy Federal  and spoke with  XXXX     (  teller ) and explained to her that I was afraid the check  may b e fraudulent.  XXXX  stated to me that she would go ahead a place a hold on the check to ensure that it cleared. She advised to check my account in  2  business days, if the funds were available then the check was legitimate and had cleared. To my surprise the funds were available on  XXXX   XXXX , so I went in and withdrew the funds. The same day I went into the realtor 's bank  (   XXXX   XXXX   XXXX   ) a nd deposited {$2000.00} in cash to account number  XXXX   XXXX   XXXX . On  XXXX   XXXX , I noticed my  Navy Federal CU acc ount was negative {$2400.00}. I called in to the contact center and was told that the check came back as fraudulent. I immediately filed a police report with the  XXXX   XXXX  Police Department  (  case #  XXXX   ).  I have provided  Navy Federal CU  with all the documents they have requested including a copy of the police report, however, the issue has not been resolved. If  Navy Federal CU  had not allowed the funds to be released, I would not have proceeded any further and we would not be in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Account Discovery Systems, LLC
State: MO

Complaint narrative:
This company, Accoun t Discovery Systems i n New York ;  XXXX , called my place of employment and ask to speak with myself,  XXXX   XXXX , and also my employer, over the   XXXX   XXXX   He,  XXXX   XXXX , asked for the name of the   XXXX   person, and was advised by my co-worker that it was  XXXX , and  XXXX   XXXX  was then put on hold by  XXXX , as to send him to voicemail when he then hung up.  XXXX   XXXX  called right back and spoke to another employee,  XXXX , whom he told that he was calling for  XXXX   XXXX , and that he - XXXX   - nee ded to " make sure she calls me back. '' I have been receiving numerous calls at work and as I understand it under the Fair Debt Collection Practices Act that is a violation, I reported the agency for this violation, and advised them do not call me at work again, nor my employer. They must contact me after work hours and not to disrupt my work day unless they wish to pay my salary.   Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I have contacted suntrust by mail asking for verification that loan still exist, and ask for full disclosure of said loan such as the securities created from the loan and information on the bank legal ability to loan money. Along with copies of all records they have on loan ledgers.     Without due process of law and vertication of in writing they had a recovery company call me to pickup vehicle. Which I understand that after asked for this information they were to contact me in writing. They never contacted me of any of their intentions.     Recovery company number which suntrust had call me  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 2017-05-03 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
THE ACCOUNT SHOWS PAST DUE ON MY CREDIT REPORT WHEN IN FACT IT WAS PAID ON TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: MI

Complaint narrative:
XXXX   XXXX   XXXX    sold my account to  Midland Funding. Midland funding is still reporting my  information as a collection account this account was paid and it should show  XXXX  balance and removed from the  CURRENT COLLECTION Spot. It should be closed n ot current!!! This account was updated on my report 2 days ago, and dropped my score  XXXX  points because of the negative remarks. I have tried to dispute this matter a thousand times.  XXXX   XXXX  is still reporting on my account. This account is paid!!!! again dropping my score another  XXXX  points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
car was total, i purchase gap ins, and ext warranty. My ins co pay me to get a replacement car, gap ins and warranty were in the loan. Bank is a holder in due cause.     I want all add interest and late charges credit, refund on ext warranty, and gap ins to pay off the loan.     none of this been done as of date.     I did what the bank informed me to do, when to the dealer, cancel ext warranty, gap insurance does n't want to paid off the loan, because my ins co gave me more than the value for the car, but that is because i paid for replacement value, none of thier  XXXX  business what i was paid on loss.

Company response to consumer: Closed with explanation