vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/19, I sent a request for validation on 2 separate medical debts that Credit Control is reporting on my credit. I received a response from them that contained no information to justify the alleged balances they claim that I owe. To my knowledge, all of my medical debts have been satisfied. I do not believe that I owe them a balance at all. I responded in writing to Credit Control on XX/XX/19 advising again that they need to give an explanation as to why I would owe a balance and I advised them again that I do not feel that the information they provided was sufficient. They did not reply with any additional information to support their claim. Additionally, they have never sent me a notification of this debt or provided me with my rights to dispute which is a violation of the FDCPA. I only discovered this when I pulled my credit in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I'm filing a complaint against the collection agency Resurgent Capital Services. They are one of the collection agencies that the credit card company XXXX XXXX uses to collect on delinquent accounts. The account became delinquent by me in the Fall of XXXX, which was a very bad year for me financially. About 2 years ago I was able to start working on paying this debt off with Resurgent Capital Services. The payment was {$25.00} a month due on the XXXX of the month, with funds being drawn directly from my bank account. Everything was going well I thought until I was notified by XXXX  Credit Bureau in XXXX of this year that an account was in collection against me for {$880.00}, from a company by the name of Cach LLC, and that the account had been opened with this company in XX/XX/XXXX. No additional information was given about this company. I contacted XXXX  and informed them I was disputing this collection item. They filed my dispute and did an investigation. They sent me a letter of the results of their investigation in XXXX of this year. The letter stated the account was mine and they gave me the name of the company Resurgent Capital Services, as the collection agency. The delinquent account had been placed with the agency in XX/XX/XXXX and that the last payment received was {$25.00} on XX/XX/XXXX. I also was given their address of XXXX XXXX XXXX, XXXX, SC XXXX and their phone number of XXXX. I never received any mail or a phone call from this collection agency informing me of any issues with payments. I did call the collection agency and they informed me their third party company, ( I was not given a name ), had sent the account back to them but had never gave them a reason why the third party company had stopped collecting payments. Resurgent Capital Services further informed me that when I originally set up payments it was with their third party company and not them. I then asked why I never received any mail or a phone call informing of a problem. Resurgent stated they or their third party companies don't usually call or send letters when there is a problem. I then asked how do I get back to paying on the delinquent account. Resurgent then stated they had already assigned my account to another third party company. I stated I didn't want to work with another third party company again. Finally I was able to set up a monthly payment of {$25.00}, directly with Resurgent Capital Services and have paid my XXXX payment already. My complaint with Resurgent Capital Services, is the way they handle my account and now I have a negative mark on my credit reports that they have made and will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: U.S. BANCORP
State: MA

Complaint narrative:
I requested a credit balance check in the month of XX/XX/XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, XXXX. I shared my frustration with this action as I would have never requested this option. I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XX/XX/XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. I hope this issue is resolved. I've contacted US Bank over 10 times with no significant help. 

I have already contacted XXXX and the third party biller XXXX. They have no idea how to use the tracking number you provided. I have contacted them three times already. I find this very frustrating as I have no idea what to do and US Bank is not taking responsibility for this. I am asking US Bank to contact whoever they sent the money back to and get the information I can use to get my money. Please help me! It's been over 6 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 explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo was signing a prevention of foreclosure contract with us on the last day that the contract had to be signed they hit us with an additional XXXX to the contract and pretty much had us to sign it or lose the house!

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 2019-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NC

Complaint narrative:
I have applied for modification two times within a year. The company keep denying the application by telling me " I did not include or send in some required documents or it didn't received the documents verifying reason for falling behind on payments '' and/or " the documents I sent is unreadable. '' In short the company concluded, " I did not provide the documents required to evaluate me for MORTGAGE assistance program. '' To the best of my knowledge I sent my bank accounts statements, income pay stubs for the household and written statements to explain the reasons for falling behind on the mortgage payments. I do have copies of the application and everything I sent to company. I am concern now that the company is discriminating against me because I am a minority XXXX American family. Even the company have recently referred my MORTGAGE account to an attorney for foreclose.

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 2019-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On or about XX/XX/2019 I paid my Synchrony car care bill online ($28.00) through my Bank of America account.  On XX/XX/2019 I received an email from Synchrony indicating that they had not received my payment and my first thought was “XXXX” because I knew that I made the payment online.  I went home and logged into my account and discovered that I posted the payment to another one of my Synchrony account and I immediately called Synchrony and spoke to XXXX.  She informed me that she was able to transfer the payment to my car care account and that the late fee would automatically be waived because they could tell when the payment was made.  On XX/XX/2019 and XX/XX/2019 I received additional emails indicating that my payment was still past due.  Today (XX/XX/2019) I logged into mysynchrony online account to find out the amount of my XX/XX/XXXX payment and that is when I noticed that it indicated my payment was showing past due in red and once again I called and spoke to XXXX.  XXXX  told me that the payment was not transferred even though XXXX  told me that my payment was being transferred.  I told her that I did not have any faith in Synchrony and had problems with them in the past and was fearful that they would report this information to the credit bureaus erroneously.  I also told her that if it was not fixed today that I would file a complaint with the regulatory agencies because Synchrony has received my payment on time and is now playing games and harassing me about making an additional payment for $XXXX. At that point XXXX told me that she was going to transfer my call to a supervisor to get it fixed for me today and placed my call on hold.  A gentleman answered and stated that he was from Lowe’s and could not assist me and the call was terminated.

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 2019-12-03 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I sent an inquiry to Early Warning which keeps track of peoples personal bank accounts. This organization tracks every single transaction made in a bank account. They have never disclosed that they are doing this nor did they ask my permission to do so. When I tried to get a freeze they denied me quoting section of the FCPA 603 ( x ) saying they are a special agency and they don't have to follow the FCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP
State: KS

Complaint narrative:
My child support Master card was closed with out any formal information on the complete purpose to why. 
I contacted the card holder Key customer service and was told. My card was confiscated, only I had no understanding, due to holding my master card in my hands.I was informed that, I had to send a email for verification of my current address. 
The Kansas payment center updated my address yrs ago. Key customer service would not update my personal file. Kansas payment center had to verify the information update to Key, along with my email and certificate mail in my name.

. I was contacted by mail from XXXX explaining from XX/XX/2018 to present my card has been duplicated. The information shows a year 's worth of unauthorized charges from my account after there Cyber system detected a breach from my original card.. I seek reimbursement from all transactions from all unauthorized transactions. 
I also have transactions not reported of my card used for other purpose outside of information detected not from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MD

Complaint narrative:
I received ads in the mail suggesting a refinance with no cash out, no fees, no appraisal or credit checkroom my mortgage company. I applied for a refi to lower my interest rate with no cash out with Amerisave Mortgage who now is already the holder of my original mortgage. After signing the initial paper work that was all done electronically, I get a phone call from XXXX XXXX who ask me for a payment of {$390.00} in order to continue the process. I question why he was asking for money when I was not supposed to be imposed any fees. He stated it was not a fee just a something they do at this point in the process and that it would be returned to me in the form of a check. He assured me that this money was not a fee and would be refunded. Reluctantly I continued to ask him to explain and he repeated that this was not a fee and refundable and that they do this all the time. So I paid the ( no fee ) and thought about it for a couple of days and just did not feel they were being honest and I could not find mention of this fee in any of the paper work I had signed and as well why did he ask for the money over the phone when everything else had been handled electronically. I sent them an e-mail asking that the process be ended and to refund my money. A week later XXXX XXXX called and said that they would not refund my money for it was only refunded only at closing. Therefore I appeal to the CFPB for assistance in what I feel is fraud.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was an authorized user on my mother 's XXXX XXXX XXXX XXXX ( partial account number XXXX ). My name was removed from this card. I never made any charges on this card. I disputed this with Trans Union and they left it on my file. I contacted XXXX and they said that my name was removed and the credit bureaus must remove the item through the dispute process. 

I disputed this again with Trans Union and they only added : " Relationship Terminated '' in the ECOA field. This is a violation of my federal rights. All credit bureaus have removed authorized user accounts when the AU 's name is removed from the account for the last 30 years. Why am I being discriminated against on this particular account. 

If my " relationship '' has been terminated and I was never contractually liable in the first place, the account should not be on the file. I want this removed from my Trans Union file.

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 2019-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I currently have a private Navient Loan. The loan started with a balance of XXXX and even paying it up to now it has gone to close to 40k. I have been trying to make payments that I can afford to pay and they just want to keep on putting me on forbiddance because they want me to make high payments over {$400.00} per month and the interest to grow more. I have said no to forbiddance and there one year repayment that lowers down the payment for one year and the following it goes double plus all the interest grown. Not only did the school closed at the end of our term but failed to issue our diplomas. Which I have complaint for years as well. The school was kitchen academy in XXXX Ca. I contacted navient back in XXXX of this year and reached out to different people including supervisors requesting a settlement for the original amount to pay off and they declined it. They said they can do only 90 % of the current amount. I have tried to negotiate with them several times in different ways but it's has made me feel more like they just want to hurt me than help me. Last time I spoke to them I told them I gave up. They can't lower my payments nor settle then there was nothing I could do anymore. Now they harrassed me and even contact family members and up to calling my job asking for me. This situation has gotten too far. I have a federal loan that I have been paying and have never have had issues with it but Navient who used to be Sallie Mae just wants to turn you down to increase their loan amount therefore you will never finish paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. This occurred XX/XX/2019 and was resolved XX/XX/2019, with the fraudulent account being removed with zero negative accounts and no collections on my credit report. Although the negative account was removed my score does reflect this and dropped my credit score to the present XXXX. 

The discrepancy of the score is due to Equifax 's consumer side which has failed to update despite the creditors properly updating the accounts. Equifax 's consumer side is a month behind. As a result, Equifax has as of XX/XX/2019 failed to properly recalculate my score. I should have a score XXXX or greater. 

I have been waiting patiently for my score to recalculate. It has been 10 months. However, I can not wait any longer. My small company needs capital in order to survive and the banks will not issue loans or credit based upon the present score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I RECENTLY DISCOVERED THAT I WAS A VICTIM OF IDENTITY THEFT. SOME OF THE INFORMATION AND ACCOUNTS APPEARING ON MY CREDIT REPORT DID NOT REFLECT ANY TRANSACTIONS MADE BY ME OR ANYONE I KNOW. I REACHED OUT TO THE INDIVIDUAL CREDIT BUREAUS AND TRIED TO RECTIFY THESE PROBLEMS. I WAS INSTRUCTED ON WHAT TO DO. I WAS ASKED TO CONTACT MY LOCAL POLICE DEPARTMENT AND FILE A POLICE REPORT AND ALSO CONTACT THE FTC AND VARIOUS LENDERS. I DID ALL OF THESE AND MORE. I SUBMITTED ALL THE DOCUMENTATION TO THE 3 MAJOR CREDIT BUREAUS ( XXXX, EQUIFAX, XXXX  ). AFTER 30 DAYS OF INVESTIGATION, XXXX  AND XXXX  REMOVED ALL THE FRAUDULENT ACCOUNTS AND INQUIRIES. ON THE OTHER HAND, EQUIFAX HAS DENIED TO REMOVE AND BLOCK ALL THE FRAUDULENT INFORMATION. 

IT COMPLETELY BAFLES ME HOW EASY IT IS FOR A CREDIT REPORTING AGENCY TO SLAP FRAUDULENT INFORMATION IN YOUR CREDIT REPORT BUT SHOW RESISTANCE TO DELETE IT. I AM A LAW ABIDING CITIZEN AND I CONTRIBUTE POSITIVELY TO SOCIETY. UNFORTUNATELY, I AM UNABLE TO HAVE TOTAL CONTROL OF MY PERSONAL INFORMATION BECAUSE OF IDENTITY THIEVES. THE CREDIT BUREAUS ARE SUPPOSED TO PROTECT ME AND MY INFORMATION. THIS HAS NOT BEEN THE CASE WITH EQUIFAX. I WILL LIKE THE CONSUMER FINANCE PROTECTION BUREAN TO STEP IN AND HAVE THIS ISSUE RESOLVED. THIS IS COMPLETELY UNFAIR AND TOTALY BIASED. ALL 3 CREDIT BUREAUS CONDUCT THE SAME INVESTIGATIONS INTO IDENTITY THEFT. BUT I DON'T UNDERSTAND HOW 1 CREDIT BUREAU IS ABLE TO HAVE A COMPLETELY DIFFERENT OUTCOME FROM THE OTHERS. MY CREDIT REPORT IS SUPPOSED TO BE FAIR AND ACCURATE. UNFORTUNATELY, EQUIFAX HAS NOT MADE THE EFFORT TO MAKE SURE MY CREDIT REPORT IS ACCURATE. PLEASE HAVE THIS FIXED AS IT IS IMPACTING MY LIVELIHOOD. 

I HAVE ATTACHED A COPY OF MY OTHER REPORTS WITH THIS COMPLAINT SO EQUIFAX CAN HAVE A REFERENCE TO ENSURE ACCURACY I HAVE ALSO ATTACHED A COPY OF THE ORIGINAL POLICE REPORT, FTC IDENTITY THEFT REPORT, FTC IDENTITY THEFT AFFIDAVIT, PROOF OF IDENTITY AND PROOF OF RESIDENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
Not that The CFPB has been useful any oother time I have submitted a complaint about Ditech but to create a paper trail for the lawmakers I will involve again here goes Ditech has refused to provide the pay off quote for my loan for the last 2 years. It started when it was noted misappropriation of funds that you were already made ware of and did nothing about. Now I have sold the house and scheduled to close in a week and Ditech is telling two different things again regarding providing the pay off quote again My guess is to fudge the numbers again. I don't really understand why the web refers the CFPB to help in situation with fraudulent services like Ditech and you have no enforcing power as one of your representative stated but whatever. In addition due to fraudulent activities detected on my account with a previous insurance company ( changing the policy three times in the same policy year with notification to me ) Ditech no longer pays my insurance directly I do to ensure the matter does not repeat .Ditech every yearstates to provide proof of insurance and whenI do they demand that the mortgagee be listed Ditech Finacial LLC and its affiliates and or assigns. I have requested in writing for over 2 years the name of the affiliates and have never received a reponse. therefore Ditech was removed as the mortgagee for failure to disclose.However, Ditech called my current mortgage company and requested that it be applied again and that if I call to have it remove to cancel my insurance, ODD when I hazard insurance is required for the loan but then I get a notice stating that now itech provides Hazard insurance and they can cover me. I declined and remained with my current insurnace and had Ditech removed as the mortgagee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation