vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Received a notice to the judgment debtor of garnishment of personal earnings on XXXX.18 from employer. When pay was deposited on XX/XX/2018 {$230.00} was deducted from my paycheck. This was the first I had heard of any type of lawsuit or judgement against me. I have had no chance to dispute and/or arrange a settlement for debt I am being accused of owing. I will be filling out the request for hearing form on XXXX.18 and calling the attorney listed on the same said day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: Northwest Collectors Inc.
State: DE

Complaint narrative:
The debt owed is {$600.00}. I made a payment of {$50.00} two weeks ago and they keep calling my husband 2-3 times a day stating they are going to take legal action. I called today to try to make a payment arrangement for the renaming {$550.00} balance. I wanted to pay {$100.00} a month for the next 6 months to pay off the balance. They informed me I could only do 3 payments and state so I could only do {$100.00} due to our current financial situation. The company representative was very rude and stated fine call back when you want to pay the amount in full. I then asked to speak to her supervisor. The supervisor informed me they do not do payment arrangements and stated I had to pay the full amount. I said I could not afford their payment and she said well you should of figured that out with the XXXX center. I ended the call there.

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 2018-11-01 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Two unauthorized inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX, TX XXXX on XX/XX/2018 and XX/XX/2018. 

I called them and they said they did not check my credit. I opened an investigation with Equifax and Equifax confirmed the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
We have submitted several mortgage re-modification forms to Carrington Mortgage through XXXX - XXXX XXXX XXXX XXXX XXXX ( a non-profit organization ). 

I followed everything XXXX advised us to do for this process. We had two RMA forms submitted since XX/XX/2018. 

Then we get a notice for foreclosure sale date. 

I do not know why the first application was denied. They claim the second application was in-complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Media Collections, Inc
State: WA

Complaint narrative:
I rented a car from XXXX XXXX in XXXX on XX/XX/XXXX to XX/XX/2018. The cost quoted for the rental ( Confirmation # XXXX XXXX was {$180.00}. In the evening of XX/XX/XXXX, the engine of the car began to have issues and broke down. I called XXXX and on the phone they said they would cover the cost for the tow of the vehicle and for my Taxi to XXXX ( but instructed me to pay only for the taxi and submit for reimbursement ) and that they would provide a new car in XXXX. I did all of this. Upon returning back to the USA I noticed a charge in the amount of {$850.00} of which there was a XXXX Euro " Customer Road Assistance Charge '' which I not only did not authorize but also was explicitly told would be covered by XXXX. I also have comprehensive rental car insurance through my XXXX credit card but did not submit to XXXX for this cost as XXXX said they would cover the costs. In XX/XX/XXXX, I contacted XXXX XXXX by phone and by email to ask that this over charge be removed ( XXXX Customer Care Case # XXXX ). I was told " branch management '' would review but I never heard back despite emailing again to follow-up. So I then disputed the transaction with my credit card. I submitted my documentation to XXXX for the disputed amount of {$660.00} ( the difference between my reservation quote and the disputed charge ). XXXX XXXX submitted their documentation and in XX/XX/XXXX XXXX sided with my claim that the charge was fraudulent and reversed the extra {$660.00} charge and closed the dispute ( I have the communication from XXXX if needed ). In XX/XX/XXXX, I was sent a communication from XXXX, XXXX, and XXXX XXXX XXXX ( XXXX, OH ) that " XXXX/XXXX XXXX XXXX '' has requested that they collect from me an amount of {$590.00}. In early XX/XX/XXXX, I filled out the online XXXX Account Dispute for XXXX, XXXX, and XXXX that this charge is not valid. by XX/XX/XXXX, I had not heard a response so that day I sent a certified, signature required letter that the debt be validated and that the overcharge be disputed ( XXXX File # XXXX for client # 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 2018-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I noticed a negative account from SYNCB WALMART on my credit report for {$4300.00}. I sent SYNCB Walmart a debt validation request letter on XX/XX/18, which they received on XX/XX/18 @ XXXX. They have chosen to Not respond & it has been over 30 days. This is not a valid debt & should be removed from ALL 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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I have Knight Adjustment Bureau currently pursuing me for fees from a bank account ( XXXX XXXX XXXX XXXX ) that was closed in XX/XX/2008. This is beyond the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I am a customer of Sun Trust Bank XXXX XXXX XXXX branch. On XX/XX/2018, I submitted a check ( I am the beneficiary of the check ) amounts {$1500.00} and asked about whether the check has a risk to return. Also, I asked if it returns there is going to be or not any fee on me. The employee informed me that if the check is deposited in the following hours it means there is not any risk of return. Then, I asked when the amount can be deposited to my account and she told me that I should check my internet banking for the following hours. 

When I saw that the check is deposited in my account and my balance increased in the amount the check I spent {$1300.00} due to trusting this deposit. Then, on XX/XX/2018, the bank returned the check and I lost my {$1300.00}. I applied to the bank for compensating that amount but they explained me that the deposited amount is a courtesy fund of the bank and it is debited if the check returns. 

However, as a consumer, this information was not provided me. In contrast, by depositing the amount in my account and by being informed that if the check is deposited there is no risk of return, I am misinformed. I request you to make bank indemnify my loss.

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 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I disputed {$2500.00} in charges from XXXX XXXX. to Capital One. 
XX/XX/XXXX I called them and they said they were working on it. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX Called again. Got the same answer. 
XX/XX/XXXX paid off the account and closed it. 
XX/XX/XXXX they put {$2500.00} credit on my closed account and never informed me. They sent a check that my wife thought was the XXXX settlement. She paid off another Credit card. 
Now they are sending me statements for the XXXX at 25 % interest. I've asked them to work with me by at least lowering the rate. They say they can't. I don't think they should be allowed to put funds into a closed credit card account. 
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT.XXXX  I don't have that credit card anymore. I know it ends with the # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I disputed the inaccurate date of deliquency with Experian and this company responded on XX/XX/XXXX with no correction of the information provided to the credit bureau. I have emails stating the first date of deliquency for loans sequence XXXX was XX/XX/XXXX and XX/XX/XXXX prior to me filing a Chapter XXXX bankruptcy in which these loans were included. I spoke to the company and they stated they sent a request to the owner of the loans and hadn't received a response however XXXX still reported inaccurate information to Experian that is negatively and inaccurately reporting on my credit report. XXXX also sent me information on XX/XX/XXXX showing the current loan status for each loan and it states " claim paid '' but this is not what is showing on my credit report as of date. These loans are beyond the 7 year reporting period, no payments have ever been made by me for any loan. I dont have a contract with XXXX and never have held a contract with them regarding these loans. My credit report payment history legend is incomplete and missing payment data.

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 2018-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am XXXX XXXX, the licensee speaking on behalf of XXXX XXXX who is a consumer in my XXXX and is XXXX XXXX. We have been attempting to go receive copies of XXXX 's Bank Statements and assist him with closing the account for the last few weeks. We have visited 2 Wells Fargo branches, however, they are insisting that we bring someone with the Power of Attorney for XXXX XXXX. However, as XXXX is NOT conserved, there is no one with the power of attorney and should be able to receive his documents upon requesting them at the branch. His SSI benefits were cut in XX/XX/XXXX, and we are attempting to assist him in getting them back. SSI is asking for the bank statements and requesting the account be closed before they can consider giving his benefits back. Any help on the issue would be greatly appreciated.

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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
The debt they are trying to collect has been paid for over a year. It is {$100.00} in elementary school lunch fees my child incurred. The debt was paid to the school at the end of the year. This collector calls every single day trying to collect a laughable {$100.00}. Not to mention, there isn't a person on the other line - they simply provide an automated message telling the CONSUMER to CALL the collector. If they want to handle the debt, they need to have a person on the line when you answer, not a computer. There is no way I'm going to take the time to call them back, sit on hold to tell them the erroneous debt has been paid for close to a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Hi! 

I have a mortgage with Carrington Mortgage on XX/XX/2018 I set up automatic payment arrangements to catch my mortgage up, because I missed my XX/XX/XXXX Payment due to being off work for a medical emergency without pay. These payments were scheduled to come out automatically on XX/XX/XXXX, XX/XX/XXXX and then I would have to call in for the XXXX payment. The payments came out as suppose to for XX/XX/XXXX, however the XX/XX/XXXX payment did not come out on XX/XX/XXXX so on XX/XX/XXXX when I realized it didn't come out I went into the payment portal and made the payment online myself. Well on XX/XX/XXXX, Carrington tried to process that payment as well as the one originally scheduled which caused my bank account to go into overdraft for one of the payments and it was returned. The payment that was automatically scheduled was paid with funds in my wells fargo account that day. That amount was XXXX. I found out in XX/XX/XXXX, that Carrington is now saying they received no payment in XX/XX/XXXX, and that it was returned. This is not the case. Only the payment that I tried to make when the original payment they were suppose to pull didn't come out on time. The payment that Carrington automatically deducted did come out and I have a bank statement showing that deduction. I have contacted Carrington numerous times about this payment and have told them and explained what happened, and I was given a fax number for their research and investigation department. I sent them a letter explaining what happened and a copy of my XX/XX/XXXX bank ledger directly from the bank. As of today XX/XX/2018 they are still saying they have no record of that payment at the mortgage company and that it is being researched. I am making a payment today, but because of this it is still showing me one payment behind which is not true. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
I have disputed this debt and asked for verification on XX/XX/2018 and XX/XX/2018. 
I received what appears to be a copy of monthly statement. A monthly statement does not validate a debt it needs to be a signed written contract under FDCPA and FCRA rules and guidlines.I have also received a letter threatning to sue me for the amount oued on the debt .On XX/XX/2018 i received a letter from an attorney threatning to sue me. 
I have all documented communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I contacted the CFPB regarding a debt and a dispute between myself, XXXX, and XXXX XXXX. 
XXXX/XXXX XXXX sent my account in to a collection company entitled XXXX XXXX   that appeared on all 3 Credit Reporting Agencies and as of XX/XX/2018 I believe all three CRA 's have since amended the information at XXXX XXXX  and the information has been deleted from my credit reports due to my attaching correspondence from XXXX XXXX that showed XXXX balance on that account. 

Since the correction of that issue an additional collection company has been calling me about this same debt at XXXX/XXXX XXXX. I spoke with a company representative at DCI Collections at XXXX and was informed that XXXX had sent them this debt and that it needed to be resolved immediately. 

I was informed that XXXX/XXXX XXXX would continue to send this derogatory information to various collection agencies so I am requesting assistance in getting this matter cleared up once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a Visa gift card of {$100.00} from my supervisor as a congratulatory gift for my XXXX on XX/XX/2018. I activated the card on XX/XX/XXXX to use in the future and saw that it had a balance of {$100.00} once activated. I tried to use the card on XX/XX/XXXX at a store, but was denied because the balance was XXXX. I checked online and saw that someone used the {$100.00} at a XXXX convenience store in XXXX XXXX, CA, which I am nowhere near ( I live in XXXX  XXXX, CA ) on XX/XX/XXXX at XXXX XXXX. I have proof that I was nowhere near the store on that day and time, as I was already checked into the hospital on XX/XX/XXXX around XXXX XXXX  and gave birth on XX/XX/XXXX morning. Proof of this can be provided upon request. 

I called XXXX on XX/XX/XXXX to contest this fraud, but the Visa phone representative said that she experienced the same fraud and has not gotten her money back yet. No help given. She said I will have to submit loads of evidence and if I'm lucky, I will get it back maybe in three months.

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 2018-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tower Loan of Mississippi, Inc.
State: CA

Complaint narrative:
I saw this negative account on my credit report from TOWER LOAN for {$2800.00}. I sent Tower Loan a debt validation request letter on XX/XX/18, which they received on XX/XX/18. They have chosen Not to respond & ignore the request. It has been over 30 days & still no response.

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 2018-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Who do I speak with about a short pay off? I got a payoff amount of {$73000.00}. {$43000.00} payoff would be fair from all that I have bee through with Chase Bank in 13 years of home ownership. Problems with Chase has caused great harm financially and with my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
Chase closed my account with out warning..been struggling to pay but have been making min payments each month ... as my credit score decreased they increased my percent interest and lowered my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear FTC Commissioner : I would like to file a complaint against Experian regarding an unfair business practice. 
As you are aware, in the past when XXXX  and XXXX  gave consumers the ability to freeze and unfreeze free of charge, Experian refused to do so and charged consumers {$10.00} per transaction. The federal law now mandates that all credit reporting agencies allow consumers to freeze/ unfreeze their credit free of charge. It is apparent that Experian devised tactics for increased revenue which is unfair and burdensome for consumers. 
Yesterday, I logged on to Experian to unfreeze my credit and although I had input all the correct information, the website directed me to send in an abundance of materials, including ID, copies of social security card, etc to a XXXX XXXX XXXX to XXXX, TX. 
I called Experian and talked to a representative, and although he has all my information, he said he was not able to help me and that my only option is to send in all materials. He said it would take about 10 to 14 days. I told him that I need to purchase an automobile immediately. He agreed with me that by making consumers send in all necessary documents, it is quite burdensome and it has also affected him greatly with his personal matters. 
I have the basic Experian membership, which is free but they have all my credit background information. 
If a consumer upgrades to a paying membership, then there are privileges. 
This practice of requiring documents to be sent to their PO box is unfair to the consumers and reveals their very tricky and dishonest business tactics. It is cumbersome to consumers and forces comsumers to sign up to become premium members. Moreover, with all the identity thefts cases, how dare they ask for critical documents to be sent by mail. 
I would appreciate your investigation into this and exact a fine as appropriate. 
Sincerely,

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