vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I have reached out to this company called Professional Debt Mediation, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with a man named XXXX XXXX back in XXXX XXXX 2015. I have spoken with this man over the phone and through email and he has been very unprofessional to me and rude through both phone and email. I have provided them with signed documentation from the apartment complex called XXXX XXXX XXXX XXXX in XXXX, FL, and he still refuses to correct my debt. I have already paid them a little over {$400.00} and I stopped payment until they made their corrected actions. How do you expect to collect a debt from someone when you proceed to be rude and vulgar with them? I have documentation and email communication with this man to prove my case. 

According to Better Business Bureau ( BBB ), this  company has had 104 total complaints since 2015 for billing/collection issues and has a " F '' rating overview. I have been trying to work with them for the past few years to correct the total cost of what is owed and they keep denying my claim, ( even though I am presenting physical evidence ). This is completely unacceptable and is one of the main reasons to cause my credit to fail with a low score. I have sent money to their client directly because I refused to work with them and XXXX told me that their client claims to have never received it. I provided them proof that it was accepted and delivered and the money was basically stolen.

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 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
On XX/XX/XXXX there was a hail storm in XXXX, CO that damaged my home extensively. Due to the dollar amount of the damages, my home owners insurance company, XXXX had to make the checks out to myself, my wife and the lender for the home. The lender 's process to release the payments is to release 50 %, then send an inspector, then release 25 % more then inspect it again and then release the final 25 % when the restoration/repairs are complete. 

The lender for my home, Rushmore Loan Management has had the majority of the funds for over 3 months, totaling {$16000.00}. I have filled out all the necessary paperwork, beginning four months ago. I have called a total of 14 times to find out when they would be releasing the funds so I can proceed with repairing my homes. They have given me every different excuse in the book on why the funds have not been sent. 

Here 's a small breakdown on my communication with them ( most recent ). On XX/XX/XXXX they told me that the hand writing was too light. This is not accurate as the email came from me and it 's crystal clear. Last week on XX/XX/XXXX, a " manager '' there named XXXX XXXX told me that she was going to call me that day with a tracking number for the check being sent. 

On Friday, XX/XX/XXXX I called and the call center person told me that they were waiting for the payee information to be approved. 

Today, XX/XX/XXXX I was given two different reasons for it not shipping. The original person who answered the phone said they were doing a system update today. Then a manager named XXXX ( employee # XXXX ) gave me a different excuse about the IRS approving the payee on the check to be issued. She told me it would be shipped on XX/XX/XXXX or XX/XX/XXXX at the latest and said that she would call me when it does ship. They have told me this before and have never, ever called me. 

For context, I have three windows that are boarded up in my home from the storm and nothing has been repaired except for the roof, downspouts and gutters because I need the funds from Rushmore to complete the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Hi There : We previously lived in an Apartment complex called XXXX XXXX who required us to obtain our television through a company called XXXX XXXX XXXX. They incorrectly billed us for a modem that we NEVER PURCHASED from them. 

After we moved out of that complex, they sent us a bill for the modem. We called more than 5 times, spoke with numerous people, managers, etc whom all acknowledged the error and confirmed they would remove the charge. They reassured us that this bill will be removed. 

After 6 months, we received a collections notice from a company called Awa Collections, indicated that XXXX XXXX XXXX is sending us to collections for a bill of {$51.00}. 

This will negatively affect our stellar credit, it is completely wrong, and needs to be corrected. 

The CFPB should contact XXXX XXXX XXXX  and require them to correct their unscrupulous bill collection methods. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello my name is XXXX XXXX i deposited government checks for my aunt she was in a homeless shelter in XXXX they gave her XXXX for a years of rent the checks are made payable both to her and her landlord wich renigged on the apartment she was able to find a new place they gave us the first XXXX now refusing to give us the other XXXX she needs these funds for her new landlord and to show human resource administration the reciepts for her new place her account will not close till this money is released its been almost a month of them holding federal funds i bank with bank of america they frooze my account the funds are cleared and just sitting what can we do it is hard for my aunt to go back XXXX please 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 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
The Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was sent a letter offering a settlement the for original debt was {$160.00} I was offered {$100.00} that was paid in full back in XX/XX/XXXX. The company still is reporting that I owe the difference which is {$58.00}. 

I have called several times and spoke with 2 agents both said that they it was settled and will fix the issue it never got fixed. The last young lady I spoke with this morning was very ruled and nasty. This debt has been settled, and I would like this balance removed and to appear on my credit reports as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I received a notification on XX/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$3100.00}.

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 2017-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Found out recently through XXXX XXXX that my credit dropped over 100 points in the past 2 months because of non payments to a XXXX XXXX loan, which I have not received any correspondence with this company. This server is Navient and I have read this is standard practice from this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
The customer service provider of the loan issuer isnt providing the adequate details on what the credit score minimum requirements to be elligible for their cosigner release program along with the 12 month payment requirement but simply just denies the cosigner request without providing these adequate important details so that the customer has an idea on what is required with a minimum credit score instead of just postulating on that particular credit score number. I 've been denied twice as a cosigner loaner with AES with this terrific customer service as countless others can concur to as well.. The issue of the payment is a concern to the customer service provider and the loan issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GVA Holdings, LLC
State: MO

Complaint narrative:
I was contacted by a company that said they were paralegals and was told I owe XXXX dollars for a loan taken out in 2015 when I offered to settle the debt for XXXX I was transferred to an underwriter asking me if I was ready to go to court and said that the local sheriffs office would be there to escort me to court. I panicked and set up an arrangement to pay. I was then transferred back to an XXXX XXXX to give them a credit card. When I gave him the information he had to run to his accounting department to run the payment. ( He actually put me on hold and ran the info down there ) Im worried because that company is no where to be found on XXXX search.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: NC

Complaint narrative:
In XXXX of 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: NC

Complaint narrative:
In XXXX XXXX 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!

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 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I was contacted by XXXX a collection agency re an alleged XXXX XXXX Debt. I disputed it via XXXX XXXX. XXXX never responded. It then appears that the debt was then sent to the 3rd collection agency XXXX. I then disputed the debt with their office within 30 days and requested they validate the debt with invoice and contract. They are reporting negative information to my credit bureau. They responded only with an invoice that does not detail the debt nor does it prove that I owe the money. There is no contract attached, and the 30 days has passed

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 2017-11-20 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/XXXX LL Bean refunded XXXX to a Barclay 's XXXX Credit Card. This card was closed due to very poor customer service in XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this refund and have been told I will get a check. Recently, XX/XX/XXXX, I followed up with Barclays and was told I would get a check and given case number XXXX. On XX/XX/XXXX, I called again and was told there is no such refund and the agent made a mistake and the cased number is invalid. 
I escalated this to a manager without resolve

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 2017-11-20 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: Equitable Acceptance Corp
State: SC

Complaint narrative:
The company " Equitable Acceptance Corporation ( EAC ) '' associated with " XXXX XXXX '' is believed to be operating a fraudulent company in which has obtained sensitive information from me as well as my child. Upon discussing loan details with them, it was mentioned that they would have forgiven my loans after 3 years of paying {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. I am aware that Loan Consolidation can be done by myself without further payments so it would not make since for me to pay them for simply applying paperwork. The information on the contract is incorrect and the information in which the XXXX XXXX for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon my son contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. Also, when viewing their webpage, their " Privacy Policy '' will not display as if they do not have one. This was a Red Flag to me. This company consciously obtained my information to commit fraudulent acts and have now attacked my credit history with an account that was opened on false pretenses. The account in which they ran against my credit is not addressed as a loan, it is addressed as a credit card. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. It has gone as far as the company falsifying information on the contract. In attempts to call and cancel with the student advisor of EAC, no one ever answers. However, when receiving calls from them, they harass you. I am a mother who helped my son through college, with another child still to complete college. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: M. Richard Epps, P.C.
State: VA

Complaint narrative:
a location company called XXXX is attempting to obtain emoployment verification by calling my employer repeatedly during the week of XX/XX/XXXX thru XX/XX/XXXX. After speaking to XXXX XXXX at this company and leaving voicemail and email with name of person to contact to verify my employment..calls continued and one co worker was told by the caller that I was seeking employment with their company and seh was calling for a job reference. This untrue statement has put me in a bad light with my employer as I am not seeking to leave my job. I dont know if this is a legal tactic and if not what can be done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: FL

Complaint narrative:
Navient granted me forebearance several times due to my hardship caused by hurricanes and loss of employment. They also refused to accept a full loan payoff five years ago, and have refused to provide records and communicate by mail. I lost my records in hurricanes that took place in XX/XX/XXXX & XX/XX/XXXX. My account is paid up to date, but due to Navient raising the interest rates I still owe {$3200.00}, but the loan is now over 20 years old, I am a senior citizen living on social security. I believe that due to the raising of the interest rates that I have overpaid by thousands of dollars the original amount owed. Navient is not treating me well, I have tried to resolve the issues but I feel I have been taken advantage of by Navient, and they are not treating me legally or ethically in regard to how much I have been required to pay to satisfy my original obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: ACS Education Services
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



XXXX XXXX XXXX XXXX/ XXXX ACS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My case was in 2011 where I had a checking account at 5th Third Bank, XXXX XXXX XXXX branch. I had the account connected to my XXXX account. I was making an international call on XXXX, which had enough money for that call. At that time I was not aware that XXXX automatically charges the debit card when the calling money runs out. XXXX did try to bill my card but it did not go through because I had insufficient funds in my account. The bank went ahead to charge me for overdraft and daily overdraft accumulation. I was n't working at that time since I had just moved to XXXX from XXXX. However, I tried everything in my power to resolve the issue with the bank to the point of selling XXXX XXXX but it never helped to stop the daily charges. I went to the bank to try and resolve the issue with the manager but he said " it was company policy ''. 
I am writing today because a XXXX XXXX XXXX, I suspect he works for a collections company at phone number XXXX contacted me about this issue and threatened to take me to court. They opened a case for me at their company case number XXXX and told me to settle for {$800.00}. 

I understand the overdraft just as I did then. I tried to resolve the issue then but the bank was only concerned with making money on a poor soul. I thought this was over the time the bank closed my account but here it is. I do n't think this is justice and fair. I need help on what to do or even legal representation if worse comes to worse. 

The bank did not pay for my XXXX credit. XXXX dropped the call because of insufficient funds. So, why do I have to pay $ 800+ on a product I did not consume? 
Please help, XXXX XXXX

Company response to consumer: Closed with explanation