vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my 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 non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: OH

Complaint narrative:
On XX/XX/2018, 2 purchases for {$400.00} and {$250.00} was made on my card in XXXX, MD at a XXXX store. I've never been in XXXX, MD nor did I give my card to anyone. I was not able to report the transaction to the credit card company till XX/XX/XXXX. XX/XX/XXXX received paperwork, including a police report to dispute the transaction. The credit card company agreed to refund the entire amount of the purchase on XX/XX/XXXX. On XX/XX/XXXX, the money was put back in my account and on XX/XX/XXXX the credit card company took the money back out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
TD Bank 's stated policy is as follows " For personal checking accounts and money market accounts with check access : When possible, transactions are processed in order of date and time, most closely reflecting the order in which you transacted. 
They appear in your Account History in the same order that they occurred, beginning with the most recent. 
These transactions then impact your Today 's Beginning Balance in the morning, when overnight processing completes. '' TD bank however does NOT follow this stated policy when it comes to direct deposits for payroll. Typically, employers release payroll direct deposits to the respective banks at least 2 days prior to the actual payday. If TD Bank is following their above stated policy, then they should process those direct deposits in order on the date and time they are actually received. TD Bank does not do this .... They HOLD those deposits for as long as 2 days until the actual payday. This is in direct contradiction to their stated policy of processing in order on the date and time received, and only serves to enrich TD Bank with additional overdraft fees when other transactions are processed ahead of the direct deposit that they are holding, even though they in fact have received the funds. 

This is harmful to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my 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 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}. 
They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have been contacting these people whom hired a collection agency called United Revenue Corp. They have been mailed letters trying to validate the debt for about 36 months. I have sent their collection agency over 15 letters trying to get this debt validated and so on. Spoke with someone on Wednesday of last week and was going to call me back. NOTHING! I have never had such blatant fraud in my life. I am sure the doctors are fantastic of which I do not recall meeting. I am considering speaking with the following agencies to get this matter into the hands of someone whom is capable of following the law. The law requires them or their representative to respond to writing with in 30 days. As such if a company is representing you in a collection matter their behavior becomes an extension of your organization when it comes to behavior.

I don't really care about the stuff being on my credit but I do care that these two companies feel it is acceptable to disregard the rights I as a consumer have  been given. So by Friday I will be speaking with the following agencies who are more than willing to help me and resolve this matter since I have been unsuccessful at trying to amicably do so. I am confident this company may be committing or engaged in fraud. Or the collection agency is ... ... They clearly have zero regard for the FDCPA, HIPPA, FCRA or the FBPA. I have that on RECORDING in a conversation with their collections manager.

Texas State Medical Board Texas Attorney General Texas Department of Health and Human Services Federal Trade Commission - complaint on United Revenue Corp Consumer Financial Protection Bureau Texas Health and Human Services Medicaid - Might be important for someone to review their billing practices XXXX XXXX / XXXX XXXX - Might be important to know their billing practices Texas Governor 's - Office of Financial Responsibility XXXX XXXX XXXX XXXX XXXX XXXX One of their collection agencies under contract explained to me that they get 50 % of every dollar they collect as a few for their services. This is also why they do not care about helping fix inappropriate things or so on. Its also why they do not care about helping the consumer. I have the whole recording. It is about 11:04 minutes. I am well versed in the law as I am an extremely well versed consumer in the ways and regulation of law concerning debt collection and validation practices. I am also a VERY litigious consumer with a track record of winning. I look forward to explaining my case should this matter NOT be resolved immediately without any further delays, period.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
My son had a checking account with SunTrust Bank in Georgia. I am the parent and my name is also on the account. Son and/or Mom owners of the checking account. My son had his debt card and driver 's permit stolen from his wallet. Bank sent overdraft notices to home. I took notice to bank on XX/XX/2018 asked why were transactions deposited in and withdrawn out of our account. We filed a police report of the lost items from son 's wallet on XX/XX/XXXX. Son had not noticed that items were missing until I asked him to see his driver 's  permit. On XX/XX/XXXX I filed a report with the Fraud Department at SunTrust. 
Thieves deposited three checks totaling XXXX and withdrew {$9300.00} on different times and mode occurring on 8 days between XX/XX/2018 and XX/XX/2018. 

SunTrust Fraud Dept. had police confirmation that the man that withdrew {$5000.00} in an over-the-counter transaction was not my son. On XX/XX/XXXX, the thieves were making over-the-counter withdrawal, ATM withdrawal and grocery shop. My son 's XXXX teacher confirmed my son was in class. 

SunTrust Bank took {$6.00}, XXXX from my husband and my savings account to pay for what the thieves stole from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
We fell behind with our mortgage payments and applied for a loan modification. We were approved for a trial plan for {$3000.00} which we completed. At one point the bank cancelled the modification, claiming that they didnt receive the signed documents, only the payments. We DID SEND THE BANK THE DOCUMENTS WITH THE PAYMENT, however the bank then decided to re-send us the documents, which we signed and returned the SAME DAY.

They then told us that since its an FHA loan, they had to submit it to FHA for the approval. Im the meantime, a Sheriff sale was pending, and the bank assured us the the Sheriff sale would be postponed and/or cancelled. FHA DID APPROVE THE MODIFICATION, however the Bank did not postpone the Sheriff sale, so the sale went forward in error.

We called the bank and they said it Infact was an error, and that we should give them some time to fix the problem and reverse the Sheriff sale, as it was their error. We waited and we kept calling. They kept telling us the problem is being worked on and would be fixed soon. WE EVEN HAVE RECORDINGS OF CONVERSATIONS WITH AGENTS AT THE MORTGAGE COMPANY, ASSURING US THE PROBLEM IS BEING CORRECTED. Specific questions were asked, and specific questions were answered in the recorded conversation. So we have that as proof. Plus we have the letter the bank sent us, asking us for payment AFTER FHA had approved it.

We decided to check back in with the bank after waiting a few weeks, and we were informed that the sale was final and that nothing was being done to correct the mistake the bank made. WE COULD NOT BELIEVE IT!! THE BANK DECIEVED US, LIED TO US, THAT THEY WERE FIXING THE PROBLEM, AND BEHIND OUR BACKS, LET THE MISTAKEN SHERIFF SALE STAND.

This is cruelty! We did EVERYTHING the bank asked us to do, we were approved twice by FHA, and the bank refused to correct their mistake which they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rhodes, Kelly Assoc Inc
State: NC

Complaint narrative:
I have contacted the original creditor XXXX XXXX and spoke to several reps there. I was informed that Rhodes Kelly was not instructed to report this account to the credit bureau. Therefore it should be removed from my credit report immediately and sent back to XXXX XXXX. My second issue is XXXX XXXX provided an itemized bill to Rhodes Kelly, I did not authorize them to send my information to Rhodes Kelly Associates. This information should've been sent directly to me. There was no need for them to review this information this is PHI and is a HIPPAA violation. If they have some sort of agreement with Rhodes Kelly I was not made aware of it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: FL

Complaint narrative:
The collection agency failed to provide me a proper investigation as well as provide me PHYSICAL proof ( Just a COMPUTER GENERATED PRINT OUT ) That the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: Innovis
State: GA

Complaint narrative:
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX  and innovis requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alco Collections, Inc.
State: LA

Complaint narrative:
I called Alco Collections and asked about the negative item on my credit report and told them I never was notified. He said I was and hung the phone up. I call back to ask him to send and he never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Today, I heard from PM, a man named XXXX, ruthless, no apology, etc and anything that is negative. He called to tell me only that my loan was not going to vacated and went on to bring up about XXXX ' payment, which I indicated that they should receive it tomorrow. During the call, I made it very clear that this war with them was not over. This has been happening for 10 years and my voice was far from flattering. These people are venomous, savages, unprofessional, no sympathy and the only service they offer is ... .BLOOD ON THEIR HANDS AND THEY SPEAK WITH FORK TONGUE ... HATE THEM ... .... 

The last complaint is number XXXX, I received a response from Penny Mac, on Friday, with their same standard format, indicating they are researching the matter. Based on their past history, this is what will happen, I will receive  another standard format in the next couple of days and this is what it will say ... Based on our enquiry we found no evidence that we have done anything wrong. I sent you the copy of their statement and this is what they do to me twice a year. This is been a problematic and chronic. So, in other words it is okay with them to continue their wrath. You can review my previous complaints outlining the same issues. There will never be any enquiries, whatsoever. It is only a standard format, in order for them to follow the protocal, for the government. They have an overturn of employees. 

I have pasted one of the links against PM, for your review. This is not a handful of complaints against them. The list is endless. Consumers have posted blogs and it is viral. I contacted a couple of law firms in XXXX XXXX and had spoken with them and each indicated without commenting on the litigation, if there were any class action against Penny Mac and guess what, there are and it is Penny Mac 's employees, who are the litigants. So, I asked, if they were whistle blowers and they replied, reluctantly, yes. I chuckled and replied, they will receive justice. 

Did your bureau have any knowledge on the matter? If not, now you do. Now about me. This Penny Mac is ruthless, unprofessional, forgery, fraudulent, thieves, emotional distress, screaming at me, etc. I have uploaded my initial complaint, per XXXX XXXX and thus, as of this day, nothing is whole. I had never heard of this bureau, until XXXX XXXX referred had indicated that it was time for the foregoing complaints and this is not going to stop. 

In addition, their extension numbers and web is ineffective. Do I care, no? They are disrespectful and arrogant. One of the employees, is XXXX. Bad news. All of my payments are through my credit union only, not them. They are not trustworthy. The evidence has been a ten year problem and they still have me in delinquency, as usual. They are a group of morons. 

XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been in a training program since XX/XX/2015, and filed the pertinent paperwork for deferment.

Despite doing this ( with the help of my universities - XXXX and XXXX ), Navient still charged me hundreds of dollars in interest! I have called to complain multiple times, and every time I get a representative who doesn't seem to understand the problem and has trouble communicating in English. I have also submitted documents through their website, and they seem to fall into a black hole ( and don't show up in the " sent '' section of my inbox on their site ). I have also emailed their " advocate '' at XXXX.

Please help me deal with this company, so I can get rid of this debt once and for all ( and I will never borrow money again ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I don't understand why once again XXXX Nationstar Mr. Cooper ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX Nationstar Mr. Cooper after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX Nationstar Mr. Cooper taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXXNATIONSTAR MORT - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The collection agency failed to provide me a proper investigation as well as provide me PHYSICAL proof ( Just a COMPUTER GENERATED PRINT OUT ) That the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I checked my credit and XX/XX/2018 and show was a collections under Transworld System INC XXXX, I never get any notification from this debt ever, I called and they claim account was for XXXX XXXX   a bill I never know I owe, a contract claim an expense, I immediately paid explain since I never get any notification they offer remove from my credit, but still show. I mailed a letter requesting a remove but never answered

Company response to consumer: Closed with explanation