vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
This account was settled by XXXX because item ordered didnt work. I mailed items back. Amount was removed, but somehow got sold or sent to portfolio recovery. The disputed amount is XXXX. I can not get anything accomplished. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I financed my car through Santander bank. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month Santander takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and Santander Bank numerous times yet the late payments remain and every single month I am paying Santander on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I financed my car through XXXX XXXX. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month XXXX takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and XXXX XXXX  numerous times yet the late payments remain and every single month I am paying XXXX on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I financed my car through XXXX XXXX. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month XXXX takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and XXXX XXXX numerous times yet the late payments remain and every single month I am paying XXXX on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! 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 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Select Portfolio Servicing Company is a dept collection agency which is about the 5th company to buy up our original mortgage~ they are not tge original holder of the promissory note and have been threatening us with calls, shark attorneys and threatening letters of foreclosure for a few years now. They say they will work with us with remodification but keep the payment at an astronomical payment that they know we can not afford. Their lawywrs say they want to work with us at a mych less repayment amount but tge bank says not true..the bank had us fill out 3 lines online and never asks for income verification ~just tells us you qualify only for {$4500.00} a month and thats it! We were told at court by their lawyer XXXX XXXX XXXX to work with him, but then never gets back to us, and the bank says dont work with our lawyer work with us directly ... what are we to believe? We can afford {$2100.00} a month and have asked them if there is a program to put us in a balloon payment and work with us with this amount they say they have them but not for us!!! They say they want to gelp us stay in home but then tell us this stuff!! They dont even have the original note or even own it.. they bought up a bad debt and they know it!! We have read there is litigation about laws protecting consumers about people trying to forclose on people when they are not original note holder ... its illegal ~ look it up. The original mortgage company XXXX XXXX XXXX XXXX..told us before we were ever late for a payment, when i called them to tell them i was an injured XXXX XXXX on duty and lost my job and the economy crashed and my husbands carpentry business went under, they told me the only way they could help us was to default on mortgageYES they said thismiss 3 payments and we can then help! That was a disgusting damaging LIE that started this disaster for us..we missed payments we could not recover from..it destroyed our credit beyond repair. We have never truly been heard and we have begged and pleaded for the judge and state of NJ to please take this very seriously! We have been done totally wrong from 2006 to now. We never have an answer! We have been told over years the foreclosure is dismissed with no explainations..sold over and over ... different law firms have picked it up! We have never been able to resolve it properly and its been XXXX for our family!! I urge you to please help us!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Went through tortuous modification process. Ended with offer costing $ XXXX+ more than I already owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I removed a authorized user from my account in XXXX or 2018 I notified Citi bank I no longer want to be financially responsible I would like them removed the agent was nice told me everything was done I paid the XXXX dollars they had run up on the card in full. Without my permission without my knowledge Citi bank issued them a new card 4 months later They run the credit card up to XXXX dollars and citi bank says Im responsible. Now citi bank admits in recorded phone conversations I called and told them in XX/XX/ 2018 I no longer want to be financially responsible and I want this person removed and citi bank admits I never once called them to add another autorized user to my account so how am I able to be held financially responsible?

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 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Hello! My name isXXXX XXXX. I was looking for interior design school online and found XXXX XXXX company, I started to see info about that course in their website and wrote them that I may apply for the program, but after a few days I called them and said that I will not study in their online school because it was a bad reviews about them and I started to look for another school. After 3 weeks I received a collection Ability Recovery Service letter that I owed XXXX XXXX {$780.00}. I was in shock because I didnt attend even one day of their school online and now I understand why it was a bad reviews about that school who is filing for collections as a fraud. Please help me to resolve that problem, because I called them and they didnt care, they repeated that I owed money. Its a real fraud what they are doing.

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 2018-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
About a month and a half ago ( so on XX/XX/XXXX ) I had called Naviet because has two issues. One needed to get my payments lowered ( which are at XXXX a month ) and also to get my co-signer off the loan. As Im telling him I am struggling and can not make the payment but will be able to make a lower payment. He ( I can not remember his name ) said that there werent any other options for me at this time and there is no way to get the co-signer off. He said the only way is to payback the full amount and get it through the bank. Im a XXXX XXXX XXXX with no collateral, so that is out of the picture. After telling the young man my struggle and troubles Ive had with keeping up with this payment, that Im not able to even get grocerys or little household items ( for I was trying to live on my own ). I was crying on the phone and again telling him I just cant make the payment, he says at the end Im really sorry to hear that XXXX but there really isnt anything we can do at this moment, but I do see that you have a bill coming up this month how would you like to take care of that today! So not only did he not really listen to what I had to say, he Had the audacity to ask me to make a payment. 

Now I live back at my parents working two jobs and still can barley save enough money to get a place. I really dont want to live back at my parents for ever but will this payment of XXXX I cant have any other payments unless I work to death. All I ask is that I can get help with my payments or my interest on my loans to go down for I have 5 loans each at XXXX %. They also said that I couldnt get help with lowering my interest either. I know there is a way to get my co-signer off because they go off how much he makes not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 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: MN

Complaint narrative:
I use the Synchrony Bank website to make payments to my visa account. I regularly double check that I have made my payments to my accounts and went to the website on XXXX XXXX to make sure I had scheduled the payment. However under pending payments there was not a payment to view. I must have forgotten to schedule a payment so I made the payment then. Five days later on XX/XX/XXXX, as I was updating my XXXX register, I found 2 payments of {$580.00} had been taken out of my account on XXXX XXXX by Synchrony Bank. I called immediately and they said I must have scheduled 2 payments. I told them I had checked on XX/XX/XXXX and there was nothing under scheduled payments so I scheduled at that time. 
I asked them to refund the money to my account. The person said that would not be possible and told me it would take 12-15 days to receive the refund. I asked to speak to a supervisor who told me if I wanted the money faster, I should go to my bank and request a letter showing my account with the double payment and fax the letter to them. In this way I would receive my {$580.00} in 3-5 days. I went to my bank and the letter was faxed the next day. 

On XX/XX/XXXX I received a form letter from Synchrony Bank thanking me for my inquiry, hoping they can help. 

Today XX/XX/XXXX, I again checked my Synchrony Bank account and the credit balance is still there. I searched the bank website for a better number to contact them again. To my surprise I found a box that says click here to request a check from Synchrony Bank and I checked that box. I did not previously see that box, nor did the customer service at Synchrony Bank tell me about it. 

I live on a fixed income and this has been hard to deal with. Since I checked that box for the refund, it will be another 12-15 days before I receive my {$580.00}. A month since Synchrony Bank took my money. If I were late I would have a hefty late charge and take a hit on my credit report. There should be a way to fine the bank and give them a hit.

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 2018-10-05 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
They show that I paid late but it was actually as a result of their late fee which I was never informed. They never attempted to contact me either. I have tried through all three credit reporting agencies and also directly though Synchrony Bank who refuses to rectify the problem.

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 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
The mortgage payment increased and I could not afford the new payment so I fell behind. 
Then when I tried to workout a new payment the mortgage was sold and I worked with several different companies starting with XXXX XXXX and then XXXX XXXX and SPS. I sent every paper that they requested but they never followed thru with a new mortgage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Ga XXXX To Whom It May Concern : I am writing for help about a credit debt that Bock & Scott had  sheriff delivered to me around 2010. I have went on their website saw where it said I owe {$12000.00}. I have contract them via telephone and mail ; asking about this matter but no response. I would like to know how they come up with this dollar amount with the list of the breakdown. Also I need a something showing me with my name of the account number that you have listed on the letter that I received. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I closed on this property on XX/XX/18 none of the VA standards were met and the basic standards were not met. The selling agent provided paper that was false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation