vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NH

Complaint narrative:
I cosigned a student loan thru XXXX XXXX for my daughter XXXX XXXX and 2 years ago she defaulted on the loan and it was sent to XXXX XXXX XXXX. My daughter has been paying to the debt collection agency but missed a payment in XX/XX/XXXX and she called Mercantile on XX/XX/XXXX because she hadn't gotten a check from her work. Subsequently she called and left a message that they could resume debiting her account for the missed payment. I don't know what happened after that but I was told by XXXX that she missed the payment in XXXX and XXXX was not paid. On XX/XX/XXXX I went to check my checking account which is thru XXXX and XXXX had been taken out of my checking and XXXX? out of my savings on XX/XX/XXXX to settle one of the owed amounts. I called the bank thinking I had been hacked and that is when i found out about a closed account from XX/XX/XXXXand was given the number of the account and was told to go to the branch. I went and that is when I found out what it was about and that all of my money was gone. I never received a phone call or a letter about the missed payments. I am currently paying 3 of my daughter 's loans thru XXXX and have never missed a payment. My daughter has her own bank account but not thru XXXX  and she had {$6000.00} in her savings but instead of going after her they decided without any communication to garnish my checking and savings. I am currently unemployed as my entire department was eliminated in XXXX and this presents as a financial burden for me. Subsequently, I received a letter ( attached ) dated XX/XX/XXXX on XX/XX/XXXX of her still outstanding balance on her other loan that Mercantile has seen sent to a law agency. On the letter it distinctly says that " we have not been retained to file a law suit ''. They never sent a letter concerning the XXXX? and per Section 809 of the Fair Debt Collections Practice Act, the agency must give me 30 days written notice after which they can file a lawsuit and only after winning a judgement can they garnish my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: BB&T CORPORATION
State: NC

Complaint narrative:
It seems I have an account with XXXX XXXX XXXX for an auto loan which I was the victim of predatory lending practices. I had just purchased a Truck and had financing with XXXX XXXX XXXX at the same time it seems I was also approved by XXXX XXXX for a second vehicle loan the dealership knew there was no way I could afford two loans at one time yet went ahead with the second one anyway, I did not keep the second vehicle and made arrangements to have it picked up by XXXX XXXX in which they did in XX/XX/XXXX yet they are still reporting it now in XX/XX/XXXX, I can not get into a home with this still on my credit report and as a XXXX Veteran face possible homelessness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I sent Focused Recovery a " Validation of Debt letter that my attorney gave to me. I would like to see the proof that I actually owe these debts as the credit report shows the original creditor to be named only as " Medical ''. I have no idea who " Medical '' is. I also don't recognize having accounts with those balances. I also don't recognize the date of services that the credit bureau shows for these accounts. There are so many things that are confusing about this. 

Account # XXXX {$330.00} and Account # XXXX {$1000.00} What my attorney has told me is that this is not a legitimate debt. So I re-sent the request to validate the debt, and they refused to respond. I don't understand why they did that. I am very concerned about my rights being violated and am going to pursue all legal action to get justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/ I made an online Bill pay through my Bank ( PNC ) for a payment to my Mortgage company XXXX XXXX. I accidentally made a duplicate payment the following day on XX/XX/XXXX for the same amount of {$2800.00}. As I caught this error, I spoke with PNC to cancel the 2nd payment. While PNC reached out to XXXX XXXX to cancel 2nd payment, XXXX XXXX cancelled both payments and sent the funds back to PNC. Since PNC did not request the first funds back, they show that a payment was made on my behalf. The information above took until XX/XX/ to share this with me. While on a conference call with XX/XX/XXXX, PNC, and PNC 's 3rd party payer ( XXXX   ), it was shared that XXXX was in possession of these funds. I was asked, how I wished to proceed and the options where to send money back to XXXX XXXX which should take 2 days to post to my account or send back to me which could take upto 2 weeks. I chose to have the funds sent directly to XXXX XXXX. Since this call, I can share with you that these same funds are lost again. PNC/XXXX is claiming the funds were sent and XXXX XXXX has no receipt of these funds. I believe I have given both banking institutions more than adequate amount of time to conduct the research needed to bring this case to a close. Any assistance you can provide to help locate these funds would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ 1 monthly payment. The name that is reporting late is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Executive Financial Consultants, Inc
State: MO

Complaint narrative:
Today, I received the second call from Executive Financial Consultants regarding a debt they were attempting to collect from an exam I had back in XX/XX/. 
I told the collector, a young woman, that I had paperwork explaining my coverage, as well as paperwork from my insurance company that my exam was fully covered and no bill was due. I asked how I was to go about disputing this debt. The collector was extremely rude, so I asked to speak with a supervisor who would be more helpful and less condescending. The collector rambled off something even more derogatory and put me on hold. Eventually, a recording came on and said my conversation would be recorded. Then, a man got on the line saying he was a supervisor. I explained the events that occurred and that I was looking to resolve this collection issue. The man began to argue with me and said the only way to resolve my debt is to set-up a payment plan with Executive Financial Consultants. I told him I had paperwork that I want to turn-in, which said I was covered by my insurance and asked how he suggest I go about disputing the collection from my medical exam back in XX/XX/. Again, the man began to argue with me and did not offer any kind of route to help me resolve this problem. When he finished what he was saying, I told him " thank you for calling, but I'm going to contact my insurance about the issue and try to get it resolved some other way since they weren't allowing me to dispute it with Executive Financial Consultants. '' The man then replied " WHATEVER, '' and hung up on me. 
Perhaps customer service isn't part of their job at Executive Financial Consultants, but there's no reason these people should be so nasty. At the end of the day, aren't we all on the same team? Let 's help each other, instead of attacking one another. 
I would like something to be done about the attitude of the people who work for and represent Executive Financial Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
N/A unsure of where these numbers came from

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: John C. Heath, Attorney at Law, PLLC
State: DE

Complaint narrative:
Hi. about an year ago I had XXXX XXXX help me out with a issue for my XXXX   XXXX/XXXX. I opened that account about 3 years ago now. The first bill never came to my house. i tried to get into contact with XXXX but no answer. until 4 months later upated my info and paid the bill. i would like to see if you guys would be able to help me removing the late payment history. Even1 or 2 remarks would be very helpful. The last 2 years and 8 months I've paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Keep calling mother, employer, and former spouse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
all I am trying to do is access my Equifax credit since the breech I have been unable to access it I have been calling Equifax for 7 days straight 2 to 3 hours a day calls gets answered overseas by staff have no knowledge no care about united states consumer I pay them for membership {$12.00} month to protect my credit I am trying to lease a vehicle and due to the fact my credit is locked I am unable to do the purchase Equifax unable to unlock my credit it is frustrating calling daily and no help specially when you have your call answered by a person overseas who would care less I am amazed as big of a country as we are we have people overseas handle our sensitive information It has to be someone I can contact or write to who would listen I have attorneys work for me I will be glad to file a law suit against Equifax I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
Back in XX/XX/XXXX, I became very ill with the XXXX. I went to XXXX XXXX   because I couldn't XXXX XXXX XXXX XXXX. I gave the hospital all my insurance and billing information. I never heard about me having any type of balance till XX/XX/XXXXafter running my credit for a home. The balance is {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: MN

Complaint narrative:
I have contacted XXXX 's XXXX several times regarding my fraud claim. For account XXXX. 
After I reported the charges they issued a new account number which is above. 
They said after called to check the status of the claim that it was denied because I had not return the form back. I submitted the fraud claim to them twice. 

Now there is fraud charges of XXXX in the account which I also reported late payments on the credit reports which adversely affecting my credit.

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 2018-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My father who is XXXX went online to renew his XXXX XXXX. He unfortunately came across a predatory site that was supposed to help him but instead just charged him {$170.00} to do what the government USCIS site already does. He called both the service provider and Bank of America - the provider of the credit card that he used - as soon as he realized that something was amiss. While the site promised a refund, he was only offered a partial refund. He then contacted Bank of America to dispute the charge. 

Bank of America has just notified us 4 months after the initial call that the dispute has been denied and that we have no recourse because we willingly provided the unscrupulous vendor credit card information. This is a business that has 150 complaints against it and rated an " F '' and Bank of America is actually abetting this predatory company. We might have to pay this money but never again will any member of this family do any business with Bank of America. 

They do not deserve your business.

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 2018-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
Kept contacting former employer, and family after I've asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent 2 certified letters to XXXX, XXXX, Transunion and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP

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 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent 2 certified letters to XXXX, Equifax, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent 2 certified letters to Experian, XXXX, XXXX  and XXXX asking them to VALIDATED this account ( not a verification ) and send a copy of original documents that has my Wet Seal Signature on it with Certified Copies of the TRUE BILL ( not a statement ) I was informed that this did not apply to them and they didn't have to VALIDATED or do anything amd they closed the case without sending the Proof that the account was in fact VALIDATED etc. I requested information and it was disputed and refused NOW I DEMAND THAT THIS ACCOUNT BE VALIDATED WITH EVERTHING ELSE I HAVE STATED ABOVE and i be sent proof ASAP or in 15 days as allowed this needs to ne sent ny email XXXX and by mail XXXX XXXX XXXX  XXXX XXXX XXXX California XXXX demand they send proof to me ASAP by mail and email of te results or I demand the account be removed ASAP

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 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: FL

Complaint narrative:
I was checking on current mortgage interest rates online and afterwards I received about 20 calls from this company AFTER I told them I had picked someone else and NOT to call me anymore. They used these phone number each time. 
XXXX XXXX XXXX XXXX XXXX XXXX I immediately went to donotcall.gov and registered my cellphone and verified through email link. Get these guys. Very disrespectful calling me 20 times after I told them NOT to call me anymore.Thank you for your help.

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 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XXXX XXXX, 2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX  has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.

Company response to consumer: Closed with non-monetary relief