vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I don't know who XXXX XXXX XXXX is? But GLA verified this collection twice. I also mailed a direct letter to XXXX, XXXX XXXX XXXX, but no response to my questions. I thought the furnisher had 30 days to respond to a direct dispute?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: TX

Complaint narrative:
Provident Funding received a quote for home insurance from my current incumbent ( XXXX XXXX owned by XXXX. This was over 2 months early ( from the renewal date ) and over a 20 % premium to my previous contract. They paid this early via my escrow account and without any consultation. 
Our contracts do not identify any terms for governing this process however a reasonable person could expect that a service need only be paid for a week in advance and anything over 10 % should be consulted with the client whose money they are spending. 
Provident 's response has been that I must spend my time to contact the insurance provider and request a refund and during the interim must find new money from somewhere else. It is not their problem even though they created it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: S & S Recovery, Inc.
State: IA

Complaint narrative:
Today - XX/XX/19 S & S called me 5 times, called my husband 's personal phone, and called his work. I tried calling them back and they would hang up on me, send me to voicemail, put me on hold for long periods of time, and kept transferring me to people that weren't involved in the case without transferring me to the person I needed to talk to. The Vice President, XXXX XXXX was extremely rude to me, kept interrupting me, and not listening to what I was saying. Back a few months ago I told S & S that they were not allowed to contact my husband, but they call so many times a day, sometimes 3 times within a 20 minute period. I feel harassed by them. Also, they claim that I owe a higher amount than I actually do, almost {$2000.00} more than I do. I tried to resolve this but the managers were just rude and told me they could call whoever they want whenever they want, which is clearly against the Fair Debt Collections Practices Act. XXXX claims that everyone in his company is FDCPA certified but they can not follow simple laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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:
I received the letter dated XX/XX/2019 that your company ( equifax ) completed an investigation of items in which I disputed and requested written verification and validation of items you have listed on my credit report. Your response failed to do an accurate and reasonable investigation but sent back a letter without doing so.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying them for their reporting services could fax, mail or email in a fraudulent account.

They have not abided by the law Their was someone with the same name as I have that filed a bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
XXXX , XXXX  is violating the access to my credit report as per the FCRA. My FICO score is XXXX, they released negative information that does not exist when I applied for a credit line. To access my report or Freeze my report I need to mail my personal information ... including Photo ID, SS number and additional items to prove my identity. This is not open access to my credit report. I can prove my identity in many ways but not at the jeopardy of my personal information being stolen via the mail or improper handling or disposal by XXXX. 

After calling them they were not able to offer an alternate way to access the information. They could not explain the details that were reported in my denial or scoring. Based on my experience and research they have no interest in providing a remedy or following the proper FCRA guidelines. The big three credit agencies lost the second largest class action lawsuit in US history for these exact same practices. Who is policing these pop-up credit reporting agencies? Their practices are intended to avoid letting consumers access to credit reports to dispute false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
I am a service member that just received orders to deploy. I have a car lease with XXXX XXXX. I contacted XXXX XXXX XXXX to invoke my SCRA Benefits to terminate my lease early and followed their instructions to e-mail my XXXX   to their SCRA Department. I did as required. I have been contacting XXXX every day for 7 days and have re-sent my XXXX  multiple times and they still do not acknowledge them and tell me that their SCRA department does not have a phone number and there is nothing they can do for me. I leave on my XXXX this weekend and this is still not resolved. 

Please help me. I have no one who can take care of this for me while I am gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello Dear CFPB I am writing to bring to your attention and complaint about US BANK credit Card Application process. 

I applied to US Bank Signature Rewards Card on XX/XX/2019 and received letter after couple days date XX/XX/2019 which is informing me to call because they wanted to speak with me to verify application. They asked me to call within 10 business days. 

I called on XX/XX/2019 which is not 10 business days and spoke with Supervisor XXXX employee ID # XXXX XXXX and he informed me that my application was turned down because they could not call me and speak with me, but then again i have not receive any phone calls or voice mail and plus in the letter its asking me to call to verify within 10 business days which is condition to establish account for me. why would they send me letter to call them if they already turned down my application. I am extremely not satisfied with this process and with very rude Supervisor XXXX. I will attache this letter please review. I called within 10 business days which was condition to establish account for me it's just perfectly clear. .Please reopen this application and make fair decision also please train your supervisors to be able to read and understand what simple letter says. Very biased company in my opinion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have an overdraft line of credit with BMO Harris Bank. I recently applied for an increase to the line of credit. I was told they have a whole new process for there applications. I called in a few days after I submitted the application and spoke with a representative about the status. He indicated that the application was declined ( despite my strong credit profile, income, & assets that includes several credit lines for several years of a similar size ). When I asked what the reasons were, he indicated that I would receive a letter in the mail in 7-10 days explaining the decline reasons. I asked if there was a way to appeal as this was a judgmental lending decision ( meaning it was manually reviewed ) and that I have several pre-approved offers on there website for other lending products. He said no.

Today, I received the letter from BMO Harris Bank that simply states that my application was declined and that if I wanted a reason I would have to call in to customer service and request the reasons be provided. I already did this onXX/XX/XXXX and this is the letter that they sent which does not provide me any detail other then I have a good credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Carrington Mortgages is unfairly rolling adjusted Escrow outstanding balances into your loans without giving Mortgage Owners an opportunity to pay off the outstanding balances. 
At the end of XX/XX/XXXX my mortgage payment was {$880.00}, My mortgage payment for XX/XX/XXXX was {$910.00}. When I contacted Carrington Mortgages, they informed me that my escrow account was delinquent by {$290.00}, They also advised that they sent out a notification, which I did not receive. I have loans with two other banking institutions and I received their XX/XX/XXXX escrow summary report. XXXX Mortgage contend that I did not receive the escrow summary because I opted for electronic notification and correspondence. Carrington did allow me to pay the escrow balance in full. If I did not contact the bank, the {$290.00} would have cost me {$390.00} for this year and {$3900.00} for the remaining life of my mortgage. I do not understand why banks are allowed to practice this type of fraudulent activities without getting into trouble. This is the second time that Carrington Mortgages has done this to me, Can they be investigated for this unfair practice,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
Im have financial difficulties at the moment and I have been trying to fix my credit and pay off my bills, also trying to refinance my car. please remove any bad reporting on my report. I intention is to pay off my balances. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion lower my score 81 points in XXXX despite the fact I been paying on time, no current delinquencies while the other agencies been up. There is absolutely no reason why I drop a whopping 81 to 90 points in a month. Go ahead, review my accounts I even paid a few off. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I called the phone number for Waypoint Resource Group at XXXX on XX/XX/2018 a third time to inquire about the debt. Calls were made earlier in 2018. They have not called me back after several calls. I do not know who this or what the debt is about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WA

Complaint narrative:
On XX/XX/ 2018 my account was presented with a charge for {$39.00} and the bank paid the amount out. This caused my account to overdraw. I had opted for a service when I opened this account that would prevent overdrafts by not paying if there was no money in the account. My local bank was taken over by a large bank and they said that they changed my preferences to allow overdrafts. The said that they mailed me a notice, but I never saw it. The bank then proceeded to charge consecutive overdraft charges every five days. They also said that they were allowed to do this now that they are a different bank then the one I signed up with. Once my account was overdrawn for over a month they forced closed my account charging another {$50.00} for a total of {$320.00} in bank fees, at the time my account was closed after the {$50.00} charge my negative balance was {$360.00}. The amount I am negative in the account is {$40.00} and the bank fee 's are {$320.00}. This is 800 % in fee 's in just over one month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Creditors negligence ( Chase ) led to a late payment, and then they decided to ruin my credit : In or around XX/XX/2018, I had 2 credit cards  with Chase and had only been actively using 1 of them. I was logging into their website that consolidates Chase accounts, making multiple payments per month and checking my balance frequently because I used my credit card heavily. 

On or around XX/XX/2018, my credit monitoring agency sent me an alert referencing Chase. I checked online, saw nothing unusual, and I then called Chase who authenticated my identity, opened up my profile and told me that my account was in good standing and to ignore the alert. 

2 months later, I learned that the alert was due to a recurring charge posted to my inactive credit card I was not using, and that it was now 90 days past due. I called chase again and paid the {$90.00} amount. I also explained to them that when I called earlier they had specifically told me to ignore it, that there must be a mistake, and I was in good standing- when actually that information was incorrect ( they recorded this conversation ). I also stated that when I go online, the card in questions was not being shown on the web dashboard that showed my other credit card and mortgage. I then asked that they clear up their mistake- they rudely said no. 

Given that this was a business credit card, and given that Chase never reported to the credit bureaus when I did pay this card on time, I was shocked when they made the decision to report it as 90 days late thus decidingly crushing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Talbot, Adams, & Moore, Inc.
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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: GA

Complaint narrative:
This letter is a formal complaint that Equifax is reporting inaccurate credit information on my credit profile after I have submitted numerous disputes via mail, phone and online and provided documentation proving the information is inaccurate. I am very distressed that Equifax has continued to include inaccurate information regarding XXXX XXXX on my credit profile due to its damaging effects on my good credit standing. I am sure they are doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle when applying for a home loan.XXXX  XXXX XXXX is Auto Loan opened in XX/XX/XXXX the car was deemed a total loss and covered by GAP insurance. You are reporting on a payment on XX/XX/XXXX and also on XX/XX/XXXX the account was charged off which is incorrect. The account was charged off on XX/XX/XXXX. There has never been a payment made on this account since XX/XX/XXXX. With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed or updated correctly ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Account Number : XXXX Also they are continuing to report an account from XXXX XXXX XXXX that the creditor deleted and reported to Equifax on XX/XX/XXXX. The online dispute service they provide on-line rarely works.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX My account has been limited for XXXX with $ {$430.00}. THere is a security feature preventing me from withdrawing funds.I dont have that phone number anymore and can not verify it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
AMERICAN EXPRESS CALLS MY HOME EVERYDAY AND NIGHT AND WEEKENDS DAILY ABOUT MY DAUGHTER DEBT THAT WAS IS IN BANKRUPTCY SINCE SHE FILED XX/XX/XXXX THEY GOT ORDER FROM HER LAWYER AND JUDGE NOT TO CONTACT US BY PHONE OR CALLS WHICH THEY DONT CARE THEY CALL MY HUSBAND CELL MY CELL MY HOME AND ETC AS I SAID IM SENIOR XXXX MY HUBBY XXXX AND WE DIDNOT MAKE THOSE CHARGES MY DAUGHTER DID WHICH SHE TOLD HER LAWYER THIS WE ARE LISTED AS CO DEBTORS BECAUSE WE HAVE HAD AMERICAN EPRESS PLATINUM CARD SINCEXX/XX/XXXX SHE HAD EVERYDAY CARD WHICH WAS IN HER NAME AND SS CLEARLER SHE MADE CHARGES AND PAID UNTIL SHE WAS UNABLE DUE BANKRUPTCY AMERICANEXPRESS IS GETTING OUT PAYMENT ON TIME EVERY MONTH AND MORE THAN WHAT IS DUE HOWEVER THEY ARE PITTING ME AGAINST MY HUSBAND BY TELLING HIM THEY WILL HAVE ME ARRESTED FOR ADDING MY DAUGHTER WHICH THEY HAD NO PROBLEM ALLOWING HER TO CHARGE AND MAKE PAYMENTS UNTIL THEY GOT HER COURT ORDER AND THE CALLS ARE NONE STOP DAILY SINCE XX/XX/XXXX I HAVE XXXX BAL ON MY ACCOUNT AND MY HUSBAND OWES BUT MAKES LARGE PAYMENTS SUCH AS XXXX FOR A XXXX PAYMENT BUT THEY STILL HARREST ME ON A DAILY BASICS MY DAUGHTER ACCOUNT IS UNDER HER NAME XXXX XXXX THEY CLEARLY SEE HER SS NAME AND CHARGES NOT BY ME OR MY HUSBAND HOWEVER THEY ARE TRYING TO SAY ITS MY HUSBAND RESPONSIBILITY I HAVE TO TAKE MORE MEDS THAN IM ON DEALING WITH ALL THIS CLEARLY THEY GOT HER BILL WRITTEN OFF AND NOW WANTS MY HUSBAND TO PAY NO WAY WE PAY OUR BILL FOR SURE BUT AS FAR AS MY DAUGHTERS NO SHE IS AN ADULT OF XXXX AND SHE TOOK CARE OF HER BILL BEST WAY SHE COULD PLEASE CAN YOU ALL HELP US GET THIS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global 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