vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company ( Portfolio Recovery Associates, LLC ) which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However the business failed to provide adequate proof. Considering this business does not have a binding signed contract with me for goods or services that they have provided. Therefore I am not obligated to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thunderbird Collection Specialists, Inc.
State: NC

Complaint narrative:
called office and spoke with XXXX to request my account number. She was rude, and asked " what do you want it for. '' This company has attempted to ruin my credit by continuing to re-age an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Dear XXXX, XXXX house was sold and my loan was fully paid on XXXX XXXX, XXXX. XXXX is remained in my escrow account. This refund amount has not been paid to me. I called the mortgage company many times and they state that check is issued but can not verify when or even whether the check was sent. Somehow, they are holding the check and not sending the refund check via mail.. 
It has been over XXXX months now, and still receive similar response and no refund check is sent. I can not speak with any supervisor on the line and they continue to repeat that the refund check is issued. However, we have not received the refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I had a medical debt for XXXX dollars with a different collection company and i paid it and had it removed from my credit report in exchange for payment. I am trying to refi my home loan and a brand new collection for the exact same amount is now on my credit report from a different company. They wo n't send me any proof of the bill. I believe its because its a duplicate bill that has already been paid. I 've attempted to have this removed already with the company and the credit bureaus.

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 2017-10-24 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: NJ

Complaint narrative:
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your Equifax. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank closed my account for a returned payment when the payment cleared the account. It 's important to note this account was paid in full earlier this year. I contact Synchrony Bank and was advised the payment was reflected but I was required to fax evidence of the payment. This is XXXX of many accounts I have with Synchrony Bank and I continual experiece problems with payment process, fraud, name change to an unknown name, it goes on and on.

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 2017-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
made a paymt on line. Which was last week, still did not post

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I realized that my core checking account at Bank of America went into overdraft after being charged a $ 12 monthly maintenance fee. I then noticed I was charged the same $ 12 monthly maintenance fee on XXXX/XXXX/XXXX. I called BOA at XXXX to understand why I was charged a monthly maintenance fee and I was told that letters went out in XXXX XXXX that certain waivers would now be charged for this account if it fell below a daily balance of {$1500.00}. I requested that I be refunded the {$24.00} for the maintenance fees so that I could close out that account and that I did not receive the notice about the new fees. 

I was told by a supervisor by the name of XXXX, employee ID XXXX, that the fees charged would stand. I explained to her that I did not receive such notice and if I would have, I would have closed out the account at that time. Since BOA had a correct mailing address for me, she refused to waive the {$24.00} in maintenance fees. This account was opened on XXXX XXXX, XXXX and I have never received any monthly maintenance fees on this account at all until 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 monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: RI

Complaint narrative:
Over the past few months, my mortgage company, NationStar, changed their name to '' XXXX XXXX ''. The shortly after, I received a notice that my mortgage ( which has a " fixed '' interest rate XXXX, was going to be going up by about XXXX, due to changes in the escrow account. I did pay XXXX 's mortgage at the increased rate because I had not had time to call them to get more specific information about the increase, but I did not want to be late with the mortgage in the mantime, so I paid it. I finally had time to call this evening, and reached a customer service rep who was very uninformed and struggling to tell me specifically what had caused the increase. Frustrated, I asked for his supervisor. After a long conversation with supervisor during which I had to press him quite a bit for reasons and explanations, it came out that around XXXX of the increase was due to an increase in taxes and/or insurance in my escrow account ( which I will verifywith the town and my insurance company ), but that the remaining approximately XXXX charge per month was an additional hedge against possible future increases in taxes and/or insurance. When I objected strongly that this did not seem reasonable at all, he finally let me know ( for the first time ) that this was actually optional and I could opt out. So somehow I went from a " shortfall '' to a surplus and now they will be reducing the monthly charge by XXXX and send me a refund of approx XXXX This whole thing was done is a very cagey and shifty manner. Had I not pressed to speak to a supervisor and also pushed back pretty hard and asked lots of questions about the additional charge, I never would have found out what it was or that it was actually optional and I could get them to take the charge off. This, I learned from a relative in the mortgage business, is not acceptable practice at all and possibly breaches certain regulatory requirements. He urged me to report it to you. This relative said, " Nationstar ( now XXXX XXXX XXXX has had issues in the industry with regulatory compliance, including XXXX. They may not be outwardly trying to commit fraud but their data integrity has been criticized enough by regulators to be fined, and you may be experiencing an impact to their data quality issues. Clearly their customer service stinks too. " Please note : the name of the supervisor that I spoke with is XXXX XXXX, or at least that is the name he gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act

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 2017-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XXXX at XXXX hrs EST, I received a voicemail from a " XXXX '' from a XXXX XXXX telling me that I needed to return the call by XXXX hrs EST ( the deadline time was before the call was made ) threatening legal action and to have my attorney call them. They left no specific details or what they wanted or who I potentially owed money to. 

The number came in as restricted but left a call back number of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I entered into a repayment plan with The XXXX XXXX XXXX XXXX for loan repayment. As promised by the XXXX XXXX XXXX XXXX if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! XXXX XXXX XXXX XXXX has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the XXXX XXXX program. I paid every month on time as agreed.

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 2017-10-24 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: GA

Complaint narrative:
I entered into a repayment plan with The uS Dept of education for loan repayment. As promised by the US Dept of education if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! uS dept of education has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the Loan Rehabilitation program. I paid every month on time as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: GA

Complaint narrative:
I entered into a repayment plan with The XXXX XXXX XXXX XXXX for loan repayment. As promised by the XXXX XXXX XXXX XXXX if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! XXXX XXXX XXXX XXXX has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the XXXX XXXX program. I paid every month on time as agreed.

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 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Recovery Systems
State: AZ

Complaint narrative:
I received a call on the morning of XXXX/XXXX/XXXX. The man said he was said scheduled to serve me on Monday XXXX/XXXX/XXXX. He said to contact XXXX XXXX XXXX if I wanted to know why I was being served. I have never been contacted by XXXX XXXX XXXX in any way prior to this phone call. When I contacted them, they identified themselves as a mediator. They said that I owed XXXX XXXX over {$670.00} and that if I did not agree to pay them, then XXXX XXXX would sue me for triple the amount. They also said that I would be responsible for a {$1000.00} court fee. When I asked for debt verification or a written " validation notice '', they told me that it was not possible. I was told to just take their word for it.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: MD

Complaint narrative:
This my response to a complaint ( XXXX ) I submitted XXXX against GC Services! 

GC Services, responded to my complaint ( XXXX ) XXXX! However, this response is not acceptable, because they did n't give an explanation to the charge I made of presenting me with XXXX different letters which contradict each others : XXXX XXXX, XXXX letter showed a balance of XXXX XXXX XXXX compared to the other letter dated XXXX XXXX, XXXX had a balance of XXXX XXXX XXXX Since I paid the money to GC Services, I believe an explanation should be their responsibility to explain the differences! 

Thanks in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
XXXX/XXXX/XXXX. I received electronic notice to recertify repayment plan by XXXX/XXXX/XXXX to avoid payment increase beginning XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX. I did my recertification application online at studentloans.gov XXXX/XXXX/XXXX. I inquired about the status of my application via message through the website of Fedloan Servicing ( my services ). 

No response received. 

XXXX/XXXX/XXXX. I inquired a second time via message through the fedloan servicing website. Waiting for response. I am worried that the deadline of XXXX/XXXX/XXXX will pass without my application being properly processed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: DC

Complaint narrative:
I was denied an auto loan by XXXX XXXX, based in part on information from XXXX XXXX. Under the Fair Credit Reporting Act, I have attempted to contact XXXX to obtain a free copy of my credit report. However, I have been unable to obtain an electronic copy or talk to someone at XXXX to assist me in obtaining a credit report. The phone rings during business hours, but no one ever picks up the phone at 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 2017-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Took a long time to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a call on the morning of XXXX/XXXX/XXXX. The man said he was said scheduled to serve me on Monday XXXX/XXXX/XXXX. He said to contact XXXX XXXX XXXX if I wanted to know why I was being served. I have never been contacted by XXXX XXXX XXXX in any way prior to this phone call. When I contacted them, they identified themselves as a mediator. They said that I owed Wells Fargo over XXXX and that if I did not agree to pay them, then Wells Fargo would sue me for triple the amount. They also said that I would be responsible for a XXXX court fee. When I asked for debt verification or a written " validation notice '', they told me that it was not possible. I was told to just take their word for it.

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 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I submitted a 609 letter to the credit bureaus the accounts were removed for a week and placed back on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: MI

Complaint narrative:
I thought I was consolidating my student loans to combine them to XXXX and make XXXX payment. But my account was sold to a third party XXXX of XXXX and I have been making payments of XXXX ever since. I was told by the third party that the XXXX} was being applied to my student loan and they would take care of my recertification every year. I received and email from my Loan provider saying they have not recevied a payment for my student in 2 years. I have tried contacting the third party company XXXX Equitable Acceptance Corporation XXXX but I have yet to receive a response. They also report to the credit bureau. I still have a balance of XXXX remaining with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was refused access to my online account because I refused to give their automated system a telephone number. They wish to contact me by telephone when they detect " unusual or fraudulent activity ''. I do not want them calling me or to monitor my account. I check my account everyday. If there is anything unusual or fraudulent, I will see it and report it. The problem is that when you see a problem ( usually in the pending section ), they will not act on the problem or allow a complaint until the transaction actually posts to the account. There has been more than XXXX occasion where foreign transactions that I initiated were stopped ; preventing me from making purchases for items I wanted. So, I do not want them to be making arbitrary decisions about banking transactions that they are not qualified to be making. 

Even the security questions they asked for me to answer did not apply to me or I simply could not answer. The XXXX question I could have answered ( What is your mother 's middle name? ), the system would not accept it. My mother did not have a middle name but an initial ; A. Their system would not accept it. 

Because of this, I am not able to access my account to be sure I am not going to be overdrawn ; which they will want to charge me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: TX

Complaint narrative:
I was XXXX of the people whose data " was probably at risk '' according to Equifax. I placed a freeze on my account just because of this. Now I get a letter dated XXXX XXXX, XXXX from Equifax stating that there are now charges for unfreezing and refreezing. This would not be necessary, if they had taken better care of my data. I do not believe I should be paying XXXX per instance when I want to use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Spoke with all three credit bureaus about old inquiries that were on my credit report that I did not authorize some from car dealers and XXXX XXXX XXXX and mortgage loans that I did not authorize was told to contact the companies which I did and still they refused to remove the unauthorized inquiries

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