vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Manley Deas & Kochalski LLC
State: OH

Complaint narrative:
In XXXX I filed a Chapter XXXX Bankruptcy XXXX has since then violated my Bankruptcy plan on my loan that was reaffirmed by the debtor with reaffirmations signed by the creditor and debtor and was part of my confirmed plan. XXXX has since the reaffirmation signing in XXXX placed forced placed insurance on the property creating a bill for the debtor in XXXX while the debtor was under a federal stay not disclosing this action to the debtor or petitioning the court to allow this bill in the debtors plan this as a violation of 524 injunction. After the case was closed in XXXX XXXX paid off the debtors tax contract on this property which was part of the debtors confirmed plan and then added that debt to a escrow payment created for the already illegal insurance this was also a 524 injunction. XXXX continued violating the plan by sending the debtor monthly bill statements with the discharged debt listed on the statements as still owed and in two payoff quotes. Seterus in the foreclosure case on my home listed the discharged debt as deferred debt owed in the case. XXXX has responded as follows : XXXX 2Day Delivery XX/XX/XXXX Loan numbers : XXXX, XXXX and XXXX Serviced by XXXX, XXXX Dear Mr. XXXX : On behalf of XXXX XXXX XXXX , I am responding to your correspondence submitted to the Consumer Financial Protection Bureau regarding the above-referenced loans. Please be advised that we have referred this matter to outside counsel. As such, we have provided a copy of your correspondence to the Consumer Financial Protection Bureau to our counsel, Manley Deas & Kochalski LLC for a response. Should you have questions or concerns you may contact Manley Deas & Kochalski LLC directly at XXXX. Sincerely, XXXX XXXX Consumer and Government Affairs XXXX, XXXX XXXX XXXX XXXX XXXX I have not gotten a response from Deas & Kochalski

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
The credit card processor account offerred by the banks to accept credit cards, has a blacklist called MATCH which unfairly prevents individuals and small businesses from accepting credit cards. The banks use this list ban anyone for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Lincoln Financial Services
State: CA

Complaint narrative:
we try to seek help from them, one day we call asking for the opportunity to have our payment from XXXX to skip but they say no until the XXXX month, and then we ask to have the XXXX payment paid by Friday the XXXX of XXXX meaning we got one payment behind, because the XXXX payment was on the XXXX plus the 10 day grace period, and at that time was only XXXX payment behind, and they took the car on the XXXX of XXXX, and then they said that they don't have any note on the system and I also talk to the manager but they said, that don't care what we do, under the fair collections practices act they already violate our rights, this was anon fair practice. and then they call us to see if we can give them XXXX by the same weekend we ask them to pay the XXXX payment, but now they were adding the tow fees. so we wouldn't not going to pay the tow for this unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for the American Express Platinum Card. For months, I would go to the Amex website and run their promotion tool to see if I would be able to get the XXXX signup bonus. This was a promotion that was offered to me in XX/XX/XXXX but I went with the Amex Everyday card instead. When I finally saw the XXXX signup bonus - I took it. On Friday XX/XX/XXXX I called Amex to see how much I had left to hit XXXX of spend to qualify for the signup bonus. It was than that I found out that I was being refused the XXXX signup bonus. The rep could not find any reason for the denial the made sense. I never had the platinum card in the past. I only had two Amex cards and they were still open and in good standing. He promised me that he would escalate this to their customer care team and follow up with me. He also told me to spend the money to hit the signup bonus so that they would have a reason to say no. He said he would follow up me and I did as he instructed. I called Amex on Thursday XX/XX/XXXX to follow up on the escalation and found out that it was never sent. The customer service rep lied to me. The next rep said that they would escalate it and transferred me to her manager where I left a message and asked him to pull the call from Friday and to please follow up with me. That never happened. On XX/XX/XXXX I called Amex again to get an update where I spoke with someone named XXXX. This individual lied to me several times. 1st she told me I was denied the signup bonus because I had the card in the past. When I told her I did not she placed me on hold for several min and then came back and told me I was denied by the marketing dept on XX/XX/XXXX and that they send me a letter. I told her I open all my mail and would have noticed that. She placed me on hold for another several min and then told me no correspondence was sent to me. Then she told me the offer was denied by their legal dept and that they did not have to notify me of their decision per their terms and conditions. What American Express did to me is the epitome deceptive business practice. The targeted me with a promotion and approved me for a card. Then they change recall the promotion without notifying me. They then profit by accepting my {$550.00} annual fee, merchant fees and me charging thousands of dollars because of their lack of transparency. Then when I find out about their unfair and manipulative business practice - I am repeatedly lied too and they hide behind their vague and ambiguous terms that they can deny a bonus for any reason and that they do not have to inform of tell you of that decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, I came outside to see that my car had a boot on it. There was a notice stating that I had 4 or more parking tickets in collections, and that due to your non responsiveness, your vehicle has been immobilized. I was told that if I did not pay the amount in full within 48 hours, my car would be impounded. 

I called XXXX XXXX XXXX, gave my name and my license plate number. I was told that there were NO tickets on file for that license plate number, and that I had tickets on my record for a different license plate. She asked if I had changed my license plate and I told her I had not, as I had this car for the past 4 years. I also mentioned that I had just received my tabs a week earlier, and that the DOL will not let you renew tabs if you have parking tickets in collections. She claims you must have got lucky then. I told her I have never once received a notification that I had anything in collections, so walking out to my car being locked should not be allowed. I was never given a chance to rectify the problem before it got out of hand. She told me they made one attempt to mail me a letter, and the letter was sent back to them. I informed her that the notice on my car stated that they made all proper attempts to contact and that i wanted to know what the other attempts were. She did not have an answer for me. 

She did have on record that I came to their office in XXXX of XXXX to pay off a ticket, but claims there were four others that didnt go on record until XXXX of XXXX, conveniently. 

I should not be held liable for late fees, interest fees, etc. when it is on record at XXXX XXXX that their one attempt at mailing me a letter was never received. They did not make full attempts, and originally told me that my tickets were on a DIFFERENT license plate number, although my tickets are from XXXX and XXXX and I have had my car since XXXX. 

They also said they can not show me where the parking tickets occurred but could give me a print out with the ticket number only, which I have attached. 

I worry that they are violating the law, and possibly the Fair Debt Collection Practices Act and would like this reviewer. 

Since I was threatened with getting my car impounded if not paid in full within 48 hours, I took an advance on my paycheck to cover the cost and I had to miss work on XX/XX/XXXX and will be missing school on XX/XX/XXXX waiting for the boot to be removed. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2018 I called XXXX to request my 3 credit reports. I was told it would take 15 days to receive them. The last 2 years I haven't received my report from Equifax. Last year I called them, explained I didn't receive it, was told they'd send it. Nothing. I called again, still got nothing. Here we are this year and I have my report from XXXX and XXXX, but no Equifax. Clearly they ignore the requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: WA

Complaint narrative:
For 3 years I have made payments late to Discover Student Loans occasionally but never more than 30 days late. They repeatedly call after being 3 days late 5 times a day starting at XXXX and ending at XXXX. It is harassment and I wish I could afford to pay on time but think this is unfair treatment. Please help me if you can. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I just paid off a Bank of America card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.

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 2018-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
While attempting to refinance my V.A. Mortgage loan, I learned that I had collection against me for the amount of {$93.00} Dlrs. and that " XXXX XXXX ' was handling said collection, once I contacted said agency over the phone, I was told that the money owed was from a medical XXXX performed on XX/XX/2016. Further the statements where sent to an address that I had approximately 15 yrs. ago. 
I agreed to make the payment if Merchants would erase such claim from my credit report as if it was never on my credit report and to fax the financial co. a letter head receipt showing payment. Approximately three days later I contacted Merchants and spoke with Mr. XXXX who assured me that a letter head receipt was going to be faxed. 
It has been nine working days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account ( Original Creditor : ) XXXX and ( Original Creditor : ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
I'm XXXX XXXX I sent them information from my dr XXXX sealed and they refusing. To honor the dr .s decision

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received numerous telephone calls from Portfolio Recovery associates regarding a account they said I owe to them. I have never opened an account or signed any contracts with this company. I requested all communication with me to be done via mail or email back in XX/XX/2018, I continued to receive phone calls with scare tactics being used about being sued and or negative credit reporting. I requested validation of the said accounts and Portfolio Recovery kept sending me the same auto generated letter stating they purchased debt that I owe. I advised this company that I have no known knowledge of the account and to send written documentation providing that I owe them. I received a letter on XX/XX/18 dated XX/XX/18 that included some incorrect statements and a message again saying that I owe them. I sent a validation request via certified mail XX/XX/18 asking for my signatures, contracts, or default notification stating that I owe their company. And again they sent me the same auto generated letter stating that they brought debt from a company and I now owe them. Portfolio Recovery has failed to comply with Federal guidelines and have continued to report negatively to the Credit Bureau without properly validating this account. This agency is violating FCRA by submitting debt under my name to major Credit Bureaus that is unsubstantiated and validated insufficiently. It is unlawful to report to the credit agency without meeting FCRA criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: IL

Complaint narrative:
I sent a validation goodwill letter to both Discover & XXXX originally dated on XX/XX/XXXX asking them to verify the late payments that are showing on my credit report since I never been late on any of my payments. Since I did not hear anything back from them within that 30 day time period I sent them no response letters to each creditor Discover and XXXX XXXX and I sent Section 609 letters to each credit bureaus dated on XX/XX/XXXX and XX/XX/XXXX asking them for proof of the late payments that were being reported on my credit report. After I sent that I received a response from the credit bureau and each creditor. My response from the bureau included a copy of my credit report : XXXX sent me an update in which they changed only in regards to Discover not XXXX XXXX, but XXXX and XXXX  did not update anything. I received a letter from XXXX XXXX and Discover stating they need information from me such as the letter and copy of my credit report in which I sent. Furthermore I sent both creditors what they wanted this included a form from Discover verifying my personal information and XXXX XXXX requested I provide them a copy of the letter they sent with my credit report showing the late payment and then both creditors sent back letters stating they will not be updating anything and I need to provide more information completely ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just paid off a XXXX XXXX  XXXX card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.

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 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account was reported to XXXX XXXX and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. Portfolio Recovery Associates says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by Equifax that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX  and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account BENEFICIAL BENEFICIA-XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that BENEFICIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This account was reported to XXXX XXXXPayPal and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. XXXX XXXX XXXX says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by XXXX  that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.

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 2018-11-06 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: MO

Complaint narrative:
In XXXX of 2018 I entered into a payment modification program and set up auto pay with Navient. {$150.00} was supposed to be taken out of my account each month. Navient never set the payments up with the correct information, causing my payments to be late. Was told that a payment was needed by XX/XX/2018 or delinquency would be reported to the credit bureaus. Navient reported to the bureaus prior to the date they specified. When payment was attempted they refused to accept my payment of the past due of {$150.00}. Said that I had to pay {$200.00} and that was the minimum amount that would be accepted. Otherwise they would continue to report to the bureaus for non payment.

Company response to consumer: Closed with explanation