vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I had set up a payment plan with this collection agency to pay {$100.00} a month until the debt of {$1000.00} is paid in full. I payed the first payment of XXXX on XXXX XXXX 2017. I received a confirmation number from agency and confirmed that it was debited from my checking account on XXXX XXXX 2017. When I attempted to make another payment online on X/XX/2017, my account balance was the same XXXX {$1000.00} XXXX and no payment history was reflected on my account. I called the company to find out why my balance had not changed after my last payment and I was told that it would be looked into. I let the agent know I was not comfortable making any additional payments until my account reflected the proper actual balance. I am filing this complaint because I feel that I am being scammed out of my money. I have every intention of paying this debt as agreed but it looks like this agency is taking the money but not applying it to the balance.

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 2017-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: VA

Complaint narrative:
I had a debt owed to an apartment complex that when to a collection agency called XXXX. I called them on XX/XX/2015 and paid it in full {$2100.00}. Approximately a year later I noticed that it was still on my XXXX credit report so I contacted XXXX again and was told that they have had problems with XXXX doing such things and that they would inquire on that and was given a confirmation number as well. I have been monitoring it and it still has n't cleared up. Now, the Account has been turned over to a new collection agency, XXXX XXXX XXXX. I have been having trouble contacting them due to my schedule and extremely long hold times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XXXX/XXXX/XXXX XXXX # XXXX I called Mercedes Benz Financial and spoke with XXXX on XXXX/XXXX/XXXX and let him know that there was an error on our account regarding a payment not showing as received. XXXX gave me the run around and denied me to speak to a XXXX when I asked. He told me he would call me back on Thurs XXXX/XXXX/XXXX which XXXX never did. I told him that was unacceptable that XXXX was in receipt of my payment and cashed the check on XXXX/XXXX/XXXX. He said that XXXX would have to locate the missing check. I offered to send him documentation proving the check had been cashed and he said that was not necessary that XXXX needed to find the check. The check is and was never missing they cashed it on XXXX/XXXX/XXXX. I called to follow up and spoke to XXXX on XXXX/XXXX/XXXX and got the same run around that it would take days to locate the missing check. XXXX called and left me a VM on XXXX so I called back and spoke to XXXX who told me that XXXX changed banks and that is the issue and it will take days to research. I do not believe this story as all three of my checks since the inception of this lease on XXXX/XXXX/XXXX have all been cashed by the same bank and I sent XXXX the cancelled checks to prove it. 

I overnighter to them a copy of the original lease signed XXXX/XXXX/XXXX XXXX payment was paid for with XXXX XXXX for XXXX/XXXX/XXXX payment. The XXXX/XXXX/XXXX payment cancelled check, XXXX payment cancelled check and XXXX payment cancelled check. The account is currently due for XXXX/XXXX/XXXX and I enclosed my new payment to them. I also included bank printouts showing all funds clearing my account for all payments. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: SC

Complaint narrative:
Sent letter to collection agency to remove this account from my credit report because it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
In regards to : AFNI, Inc XXXX XXXX XXXX XXXX XXXX . 
or XXXX. XXXX XXXX XXXX, IL XXXX I requested a debt verification over the phone and never received it. So I decided to send a letter of verification by mail via XXXX signed delivery XX/XX/XXXX. AFNI received the letter on XX/XX/XXXX and was signed by XXXX XXXX. Today while checking my email I received a notice from my credit monitor that I have an update on my credit profile. AFNI reported to XXXX that I have an 'Account Considered Derogatory '. I know that my right is the be protected by the Violation of the Fair Debt Collection Practices ( FDCPA ) and that while a validation is in process the collection agency is not allowed to report to any of the 3 major credit bureaus. I am just trying to stretch my right to request verification under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE FIRM, INC., THE
State: FL

Complaint narrative:
The complaint relates to unsavory practices on behalf of the mortgage lender. The applicant only has social security benefits as declared income and it alone will not suffice. The processors have recommended that I make a " distribution '' for a period of 3 months only of {$2900.00} from my IRA to satisfy Federal Agencies Requirements. It appears fraudulent on it 's face and deceptive in its action. I can not morally do this.
A processor, in order to secure a document, asked that I log into my Bank account using her computer so she could use the URL to secure a deposit of mine made to my bank.
I have never been told that I have a mortgage commitment without contingencies, but one day ago I received an attorneys missive telling me about a closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I signed a contract to purchase a vehicle on XXXX XXXX, XXXX and that contract contains some errors so the finance manager at XXXX XXXX asked that I sign another contract. I assumed the contract stated what he said it stated and that it was a reprint just to correct the mileage issue. I was told that my due date was going to be the XXXX of every month and that I needed a {$1000.00} down which includes my first payment. On XXXX I woke up to an alert from my credit monitoring service advising me that I had a 30 day late payment with Gm Financial. I did n't understand how that was possible when I made a payment on XXXX XXXX, XXXX and gave payment information on XXXX to make another payment. I contacted GM Financial and I was advised that the due date on the contract states that the payment is on the XXXX of the month. I explained to the GM Financial Representative that I did n't have a copy of the contract, I have n't received a billing statement yet, and the sale person ( s ) at XXXX XXXX informed me that my payments was due on the XXXX of the month. I made a payment on XXXX how can I be 30 days late. The Representative stated to me that the payment was never processed on XXXX and the notes stated that I would call back on the XXXX, and make a payment, I disagree with. I feel if the payment was due on the XXXX of the month and I stated to the representative I will pay on the XXXX, why would n't the representative advise me that the payment would be 30 or more days late. I contact XXXX XXXX and spoke to XXXX ( sale/finance Manager ) who handled my transaction and he advised me that I signed the contract on the XXXX and that he entered into the system that my payment should be due on the XXXX ( although I was told XXXX ), I put {$1000.00} down payment down and was told that I would n't have a payment due until XXXX XXXX XXXX. When I contacted GM Financial about this situation I was told that they will look into it, but after looking into the situation they stating to me that I need to contact the dealership to get this matter corrected. The dealership stated to me that, there 's nothing they can do but to send me a copy of the contract showing I signed the contract on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America will not return my calls I 've tried many times and I get forward to a voicemail manager who never return my calls. 

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 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX ran my background and received a clean report XXXX XXXX with XXXX On XX/XX/XXXX Sterling posted on my background report that i had a warrant from a case that was 9 years old XX/XX/XXXX past the 7 years required and then. Put on the report that the warrant was issued XX/XX/XXXX to make it appeared within the 7 year required and refused to provide the information of who reported the information which is required in a Advised action. There was no warrant they did it to help XXXX to denied employment and for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Hello, I signed up for a XXXX credit card a few months ago as part of the checkout process. At the time I was interested in a few furniture purchases and was enticed by their rewards program. 
During the same period, I moved a new address and notified USPS of the change. 
However, I havent received the credit card, any statements or correspondence from XXXX since the beginning. Given the lack of communication, I was unaware of any charges that I may have to pay. 
About a month ago, I was performing a routine credit check on XXXX XXXX and noticed that my credit score has dropped significantly. I noticed that I had some late payments for XXXX. To rectify the matter, I called XXXX customer service and was forwarded to their collection department. I explained the situation to the involved personnel and attempted to offer payment of the intial charge and initial fee. In exchange, I requested them to remove late fees and fix my credit score. However, they refused to engage in any resolution other then full payment including late fees and no engagement on credit score fix. 

Hence, this is my last resort to get this fixed. I have had excellent credit with always on time payments. I am hoping to get back to that. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: FL

Complaint narrative:
I obtain a copy of my credit report from Experian and notice inaccurate and incorrect information. 
Some of my personal information is incorrect and needs to be removed. 
I have companies reporting duplicate accounts with the same information. 
I know this can be investigated

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 2017-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: NE

Complaint narrative:
My original order was shipped to the wrong address. The company promised to resend the gifts to my mother. I made payments on the account but months later I asked my mother about her hat and dress and she informed me that she never received the gifts. I immediately notified the company, demanded a refund of the payments I made, and closure of the account. Until I saw the documents submitted for validation, this is why originally I thought this was a result of unauthorized use. I knew I did not owe a balance because I did not receive any goods or services.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax 's absolute lack of security has caused my name, address, date of birth, and social security number to be leaked to the public. Equifax 's incompetence has put my financial security in jeopardy. I am now and will continue to be under constant threat of identity theft, harassment, and financial ruin for the rest of my life. I never gave any form of consent for Equifax to store my personal information, and I especially never gave consent for them to leak this information to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: NC

Complaint narrative:
On my Equifax report i have inquiries that i did not authorize or have knowledge of XXXX XXXX on XXXXX17, XXXX XXXX XXXX on XXXX17, XXXX XXXX on XXXX17, XXXX XXXX on XXXXX17, XXXX XXXX/XXXX on XXXXX17, and XXXX XXXX on XXXXX17. XXXX XXXX on XXXXX17, XXXX XXXX on XXXXX17 and XXXX/XXXX on XXXXX17

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
In XXXX 2015, I obtained an auto loan through Credit Acceptance for a XXXX XXXX XXXX with 69,999 mileage the asking price for the vehicle was XXXX with gap insurance included bringing the total to XXXX approximately. At the time I was deciding between two other companies for better priced vehicles with different financing terms. I was constantly contacted by the dealer through text/phones various times of the evenings to obtain the vehicle. Needless to say, I went for the deal, because I believed that the dealership had my best interest and offered me a connection with better finance company according to the dealership. At the time I was n't making much money, related to my return from a medical leave for 3 months prior. However, the loan was pushed through, and I was told by the dealer that no matter what I could and would be approved. Later on I realized why ; the finance company required a GPS device to be placed on the vehicle which was discussed after i signed the agreements and paid the down payment. If that was made known to me prior to signing, I would 've declined the offer and went to the other dealerships. I experienced much hardship with Credit Acceptance my vehicle was repossessed twice for only being 3 days late, and I had to pay the note plus an additional {$1500.00} in repossession fees, each time not included the 50-100 $ storage for belongings taken out of the vehicle. This was very humiliating and as a XXXX XXXX, I was not willing to accept this. I reached out to the finance company directly several times only to hear different explanations for the reasoning behind the excessive fees with the payment arrangements and/or repossession terms. I asked for a pay off amount and was told that the pay off was {$36000.00}! That is nearly double the price of the vehicle, and I asked for a break down of my loan and terms, the company declined to provide it to me, and one agent even said, what did I think? I knew the loan was for {$680.00} per month for 66 months! I would like people to be aware of predatory lenders such as credit acceptance, and I am looking towards filing litigation towards this company in relation to their actions which have caused me much anguish and hardship. I am a XXXX survivor and a divorced mother of XXXX small children who depend on me and I refuse to allow a company to deceive or manipulate me with these tactics.

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 2017-09-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Apparently there has been a miscommunication regarding the status of active litigation between myself and Bank of America. To the best of my knowledge, there is no active litigation, mediation or arbitration between myself and Bank of America. Bank of America has not provided a case number for any active adversarial legal proceedings between myself and Bank of America that would necessitate the referral of this matter to their legal counsel. There is however a Notice of Error Case No. XXXX dated XX/XX/XXXX and XX/XX/XXXX ( attached ) that is still pending. As entitled by law, I requested a concise written explanation and all documents utilized by Bank of America to make its determination as to the first date of delinquency on my loan. To date I have not received an adequate response to my inquiry.

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 2017-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was compromised in the Equifax data breach. I did not authorize sharing my personal credit information. Equifax was irresponsible in its security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I recently learned that my credit score dropped by 53 points due to my student loan having late payments. The problem with this is that I was on an income based repayment plan and had a {$0.00} payment due. No one has notified me that this expired or changed and now my credit report says my payment is behind 120-149 days. I do n't know who to contact to update my income information. I had a XXXX in XXXX 2017 and have been out of work since XXXX 2017 since before that I was working from home. Can someone reset my {$0.00} payment? Can I be contacted by mail since I have not gotten any other contact and so I can be sure to not miss it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 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: FL

Complaint narrative:
On X/X/2017 I obtain a copy of my credit report from Equifax and notice inaccurate and incorrect information being reported as well as duplicate. 
I know this can be investigated and corrected please validate or remove because these items are only showing in my Equifax report and not the other 2 reporting agencies. 
This is not a refusal to pay but a notice to remove paid accounts and duplicate accounts with the same information please validate or remove because these items are dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hello, we have been in a fighting battle with our bank/ servicer Nationstar Mortgage ( who now changed their name to XXXX XXXX ) for a very long time I mean very long time. We have been trying for a loan mod. couple years now and recently its getting worse and worse and the bank keep pressuring and not providing the loan mod. that is being applied for. So our servicer now is XXXX XXXX and we have sent them many times a request for mortgage assistance forms packet with all documents. Recently we mailed in a signed copy of the request for mortgage assistance and all required documentation to be reviewed for a loan modification. XXXX XXXX has all documents mailed which they received and are in review. 
If XXXX XXXX proceeds to sell my home while having a complete request for loan modification review packet then they will be in violation of multiple laws including but not limited to my California Home Owner Bill of Rights Act XXXX XXXX has still placed my home on a foreclosure sale set for XXXX-2017 and has not CANCELLED the foreclosure sales until the review and loan modification and the process has been approved and agreed upon. 

Thank you.

Company response to consumer: Closed with explanation