vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I would like to file a complaint against I C System Inc for not complying with the FDCPA, which requires that they notify me of a debt via mail. I did not receive notification of debt by mail or telephone. I was notified by XXXX  credit agency that I have a collection account that drastically dropped my credit score. 

On XX/XX/XXXX, at XXXX, I received an alert from XXXX  that a change occurred on my credit report. I logged onto the XXXX  site and noticed my credit score dropped 30 points due to a collection file submitted by I C System Inc, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. The amount is {$360.00}, and the original creditor is XXXX XXXX XXXX  XXXX. 

I called I C System Inc at XXXX XXXX  and spoke with debt collector XXXX XXXX. Our call lasted 9 minutes. Mr. XXXX asked me to verify my address at the beginning of the call. I gave him my current address, which I have lived at since XX/XX/XXXX. Mr. XXXX asked me to verify my previous address, I gave him the previous address I resided at for 3 years prior to moving to my current address. Mr. XXXX asked if I ever had a PO BOX , and I replied, " No ''. I repeated my previous address again. Mr. XXXX asked me again if I ever had a PO BOX address. I told Mr. XXXX I have never had a PO BOX in the state of Georgia. ( I have lived in the state of Georgia for 5 years ). Mr. XXXX asked me to repeat my current address and asked if the number I was calling from was a good number to contact me. I told Mr. XXXX bill was invalid and should have been covered by my previous health insurance company. Mr. XXXX told me debt was for date of service XX/XX/XXXX, and my statute of limitation has run out to get my insurance company to cover it. Mr. XXXX said he has been in this business for a long time and was certain I was too late to submit to my previous insurance company. Mr. XXXX asked me to allow 30 days for him to receive an initial bill from the creditor that I could submit to my insurance company. He also suggested I contact creditor directly. 

I disputed item with XXXX, and I C System reported the item as being correct. I was not given the opportunity to address this debt and get it resolved once it was sent to their office. Mr. XXXX confirmed on their recorded line that they had a PO BOX address for me. I am certain that the USPS would have returned invalid mail to their office.

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 2018-12-12 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: FL

Complaint narrative:
i have had a walmart card issued by XXXX XXXX for at least five years .its under me and my sons name who is XXXX right now. He set up auto payments on this account for XXXX a month on XXXX the XXXX XXXX   i got a notice from XXXX  XXXX  about a change on my report so i checked it and it showed they closed the account. I then contacted the company to see why the account was closed and was told it was due to innsufficent funds so i then explained to them when his pay goes in so i then asked about the payments and was told they would'nt start until XXXX so i then asked them to reopen the account especially since its being paid and they told me they could'nt do that i don ; t think its fair for them to put a blemmish on his report for something they could have told us about before they closed it no notification at all then when i talked to them i was told a notice was sent out should recieve it in mail have'nt received anything as of yet totaly upset.

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 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am XXXX years old. I applied for a reverse mortgage with Wells Fargo Bank and they approved me. Shortly before closing they informed me they were getting out of the reverse mortgage business. I went on the open market and got approved again. Wells Fargo would not give a proper payoff amount and the reverse mortgage did not close. I applied and was approved by 2 other companies and again was not able to close due to a dispute over the amount owed.

I have applied for loan modifications on 8 times only to be denied. I have tried everything to save my home to no avail. I even sued Wells Fargo and the case went all the way to the U.S. Supreme Court, Washington, D.C. 
I simple want a reverse mortgage and to stay in my home. 
My loan # with Wells Fargo is 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 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a my Best Buy Visa through Citi and it expired on in XX/XX/2018. When I logged onto my account it stated that there was a document for me to review ( I am attaching it to this complaint ). The letter states " We appreciate your business as a My Best Buy Visa Platinum customer. Unfortunately, as the result of a recent review of your account, we regret to inform you that your My Best Buy Visa Platinum account will not be renewed beyond the expiration date on your credit card. '' It also states the the account is in default. So the bank expects me to pay the charges and will continue to charge me interest at a rate of 26.99 % on a card that I can no longer use.

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 2018-12-12 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2018 I submitted a written request for Navy Federal Credit Union to remove negative information from my credit report. Navy Federal Credit Union agreed to remove this information in a contract with me on XX/XX/2018. Failure to honor this contract is considered wire fraud and breech of contract. 

It is now XX/XX/2018 and Navy Federal Credit Union has failed to respond to my request. Accordingly they are now in violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies by failing to provide notice within the time identified in the statute as described in section 603 ( p ). 

I respectfully request the CFPB to intervene and facilitate this complaint with an acceptable outcome outside of the court process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: TX

Complaint narrative:
I Have been sending letters to this company XXXX XXXX, for the last 9 months. Asking them to show me all the proof as to this being my debt. Every month in reply Midland would only send in return a bill. I will upload copies of these letters as well as the letter asking if they were even licensed and bonded in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
XX/XX/2018 Asher collection services inc XXXX open charge is XXXX this debt appeared on my XXXX  XXXX  and debt was solved over two years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a Wells Fargo Home Projects Card and my normal monthly due date is XXXX of each month. 

In XX/XX/XXXX, I thought I had missed the scheduled payment that was due on XX/XX/XXXX so I submitted a payment on XX/XX/XXXX. I realized later that I had made this payment earlier in the month. Since the billing date is approximately XX/XX/XXXX for the XXXX due cycle, I called customer service and asked if it would be possible to back of the XX/XX/XXXX payment and reapply it as payment for the XX/XX/XXXX monthly. During this call I was advised they would facilitate the request. I was not told how long this would take and was unable to obtain any written confirmation, but I was assured this adjustment would be reflected on my next Statement and this would be record of the correction being made. Needless to say, that didnt happen. First I was assessed a late charge and then the XXXX statement cycle reflected I was past due. 

This prompted another call with customer service and still I was unable to get resolution. When I asked if I had to complain to the BCFP and OCC to get resolution, the customer service agent transferred me to the Executive Office. Apparently defrauding customers to meet sales targets is not the only issue that prompts this stellar organization from sending me to the damage control team these days. ( sarcasm intended here! ) Its now XX/XX/XXXX and I can only report that the late charge was reversed. Since I fear a 30 day mark will result on the " missing '' payment while I continue waiting for resolution, I decided to make a payment. ( Heaven knows I don't want to try and resolve THAT issue with this organization! ) If I knew this fraudulent organization was going to jerk me around so hard, I would never had made the request and chalked this up to a shame on me. Or even better, maybe they could have ( should have ) just told me my request was not possible. What I was hoping to be a routine customer service matter has turned into a complete fiasco. 

Their case # XXXX. 

In closing, I guess it could be worse ; I could have been a victim of ID Theft and realized a fraud deposit account had been opened there by an employee trying to make unrealistic cross-sell targets. SMH.

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 2018-12-12 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: CA

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX- XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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: CA

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
ALLY FINANCIAL INC. has engaged in a despicable tactic where I paid 100 % of my lease and then returned the car, they asked for additional money upon return alleging damaging in excess of wear and tear, I had filed a complaint for their dishonest debt collection conduct and we had reached a settlement on a revised amount of money that was being asked. I paid again 100 % of the amount they asked and upon receiving the amount of money they claimed I owed they falsely reported as a collection/reposesion account. I believe Ally Financial should be investigated, sanctioned and fined for their misconduct my credit report has dropped 45 points as a result and stopped me from applying for a mortgage. I reserve the right to bring any viable claims against ally for their willful, spiteful and predatory collection practice. I even received a letter claiming that I was paid in full from Ally.

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 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called Experian 3 times today is impossible to speak a live agent Company has 4 options non of them applies to my question On the company contact is no customer service email for contact or contact form for my request My request to Experian, is the following I want to know about a credit card that is affecting me and need proof of credit card.

Please get back to me soon as I need this information withing 7 business days from Experian via email Thank you

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 2018-12-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
I have been trying to get current on my mortgage ( serviced by Seterus ) but the arrears became seemingly insurmountable. I was advised by the Seterus customer service team to apply for a loan modification to mitigate the potential loss and retain my home. I was not offered any other options. While the loan was under review for the loan modification, it was also scheduled for auction ( " double-tracking '' ). 

I was notified by the customer service rep I spoke to on Friday, XXXX XXXX that my loan modification was denied. To date, I have received nothing in writing stating the denial. ( It is only because I have called Seterus daily that I have any insight as to the status of the review for a loan modification at all. ) At no point was I ever given the opportunity to explore all loss mitigation options beyond the loan modification. Seterus never advised me of all my options to avoid foreclosure. 

With the auction date set at XXXX XXXX, and never having even been given the opportunity to explore any loss mitigation options other than the loan modification, I spoke to and emailed a loss mitigation manager to request a 60-day postponement to the auction. This will allow me the time I need for a short sale to mitigate the loss. I have a listing agent who is willing, ready, and able to put my home on the market and execute the sale in a timely manner so my family and I don't face foreclosure. The loss mitigation manager said it was " unlikely '' the auction would be rescheduled. 

I would like to fully exercise any options available to me to avoid foreclosure and feel I haven't been given the information or time that I need in order to do that -- having just found out about the denial of the loan mod just 8 business days before the auction date of XX/XX/XXXX.

Can you please assist in this matter? I would like to explore my  options and take steps quickly for the short sale. Seterus has not been forthcoming with important information that could potentially prevent the loss of my home to foreclosure. I request an additional 60 days for the opportunity to appropriately explore loss mitigation options. 

I appreciate any assistance you can offer. 

Sincerely, 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 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
While I was waiting on the decision on whether or not I would be granted an extension on a forbearance, the bank filed a case against me. A court case was filed against me dated XX/XX/2018. I received a letter dated for XX/XX/2018 explaining that they will not grant me an extension. While applying for help through the Hardest Hit Fund, a housing counselor told me that, by the bank filing against me while I was still in loss mitigation awaiting the bank 's decision on the extension, the bank was doing what is called " dual tracking, '' which I was told was illegal. It was then suggested that I file a complaint with your organization. I have a settlement conference by phone scheduled for XX/XX/2018. On XX/XX/2018, I filed for a continuance with the courts at the advice of the counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
I had an auto loan with Tidewater from XX/XX/XXXX through XX/XX/XXXX which is now paid and closed. Back in XX/XX/XXXX I made my XX/XX/XXXX payment which was due on XX/XX/XXXX. With a customer service rep via phone on XX/XX/XXXX due to moving in a new home. The Rep assured me that because i made the payment before XX/XX/XXXX although the payment would not post until XX/XX/XXXX. Because XX/XX/XXXX being a Sunday & XX/XX/XXXX being a holiday ( XXXX XXXX XXXX ). That Tidewater would not report my account as being paid 30 days late. 2 years go by and I recently checked my credit reports ( XXXX, XXXX, And XXXX  ) and see that Tidewater actually did report the account as being paid 30 days late for XX/XX/XXXX. Which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was involved in a car accident and then taken to the nearest hospital by the ambulance. I give them my medical insurance card and also my auto insurance. They should contact and billed my health insurance/ auto insurance instead of myself. I just found out that the debt went to collection agency. I was so XXXX that I eventually paid them first and thinking that my insurance will reimburse my payment. Eventually they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was systematically and illegally mislead at every stage of repayment options of several student loans given to me by navient while i was unemployed. It's mathematically impossible for me to pay these several loans back in this lifetime. It has ruined my credit and life since XX/XX/2009. I tried to Income based pay back just to help my credit for 5 years and my debt has gone up. I was just paying interest they said. Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 I went to TD Bank to withdraw some money from the ATM. In this TD bank there was an intake vent in between both of the ATM 's which conveniently had 3 very large unprotected holes that were constantly sucking up air. I took out my money from the ATM and by accident dropped money as i was trying to put it in my wallet. The money fell and immediately was sucked up by the vent. Now the vent had a door above it so i went to the teller and told them about the situation. The teller then introduced me to the assistant manager, which sat me down and said " look we know about this issue and have had incidents like this before but the vent leads down to the sewer system so its out of my control and I cant do anything for you ''. I proceded to tell him about the door and he said that they could not open it. I asked why there is No mesh or protective barier put on the vent to stop this from happening and he just repeated that there was nothing they could do and its out of their hands. They actively kbow about this serious issue yet are negligent and people like me are loosing money because they dont want to do anything.

Company response to consumer: Closed with monetary relief