vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Working with XXXX XXXX XXXX medical supplies for XXXX XXXX supplies. Company is very messed up on website and billing. Bills came with number and very confusing information. Called numerous times over a year, even reps at the company were confused about account and they said they can not see what I see on their own website which is crazy. Finally changed suppliers and things are fine. But XXXX XXXX XXXX is saying I owe {$180.00} which I do not believe I do since website has numerous duplications of equipment and items I did not order. It finally went to XXXX XXXX XXXX and I requested in plain easy to understand what items they are supposedly billing me for. Its been over a month now and have not received a statement as of yet. Today the collection agency called me to pay and I said I am awaiting paper work. They inturn said yes XXXX XXXX XXXX has not gotten back to us. so I said why are you calling me then. They just apologized. This company is just a crazy mess and I want this to stop. Thank you

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 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2018 I went into agreement with XXXX XXXX XXXX who's Merchant name is " XXXX XXXX XXXX XXXX '' to rent a vacation rental property in XXXX. The agreed amount was {$1500.00} ( {$210.00} per night ) I paid with Capital One Credit card.

I paid to Merchant {$1800.00} including {$300.00} refundable security deposit ( paid in cash ).

The Merchant was dishonest, the property was poorly maintained, dirty, was infested by cockroaches and there was an intense sewage smell coming from one of the bathrooms. We contacted Merchant and asked to correct the problems. They failed to correct the problems. We moved out after one night and we purchased a separate hotel for the rest of our vacation.

Merchant refused to issue ANY refund. They kept {$1800.00}, which is more than agreement. They never refunded me security deposit against their own policies.

I contacted Capital One Visa card. They initially issued a refund. They requested additional information. I sent them pictures, video, a letter describing in details what has happened. I sent the requested documentation by certified mail with returned receipt. Couple days later I called and I spoke with Capital One representative who confirmed that all the documentation was received, the documentation is complete and that I have proven my case.

Two weeks later I've received a letter from Capital One.

Capital One has closed my case, reapplied the charges to my account because " lack of previously requested information ''.

How is it possible that two weeks earlier Capital One confirmed receiving all necessary documentation, confirmed validity and then two weeks later reapplied charges back, claiming they didn't?

Capital One Visa failed to protect me as a customer from dishonest Merchant. They claim they do and that there is {$0.00} responsibility on fraudulent activities. It didn't work in my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
My name is XXXX XXXX, this is concerning my private student loans with Navient corporation. 

The amount on the original loan is {$5400.00}. They are saying that i owe a very high amount, which keeps changing, first it's, {$35000.00}, then {$70000.00}. I'm getting harassing phone calls and people coming to my house and threatening me. The amount and the harassment is causing me high stress and mental distress. I'm going to have file a lawsuit if this complaint isn't resolved through CFPB. I would really appreciate CFPB 's help on this matter. I did the math on the original loan at an effective rate of 5.13 % in 12 years compounded monthly only comes out to {$10000.00}. I feel there is a bit of corruption on their part. I believe students are being taken advantage of by Navient and any other big student loan corporations. I believe Navient is taking advantage of students, like me, who have no idea what compounded interest is. They are billing me on new balances without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allgate Financial, LLC
State: OK

Complaint narrative:
XXXX XXXX sued for a XXXX account belonging to XXXX XXXX. I was living and working in Pennsylvania. On XX/XX/2018. XXXX XXXX renewed a judgment and is now trying to collect on XXXX account which she states was paid. The CFPB has consent orders against both XXXX and XXXX XXXX. They are scam artists. They have a lien against my home and will garnish my bank account or wages. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I Contacted IQ Data to follow on a validation letter signed by my client to validate a debt requested on XX/XX/2018. The letter is attached with this complaint showing a fax confirmation of our request to their fax number on their letter head in response to our first request which was not completely done but only a statement from the original creditor which also was not a break down of fees or charges, from them or the creditor. 

I called on XX/XX/2018 and spoke with an account representative about XXXX and XXXX being deleted from my clients credit reports but XXXX was still being reported. 

I had asked why they still were reporting to XXXX? First the rep told me that it was outside their statute of limitations. I then asked if thats the case, why then are you still reporting it to XXXX? This representative seemed very confused and placed me on hold. 

A supervisor by the name of XXXX XXXX got on the phone and told me that your client has sent us a cease & desist letter, and we can not discuss this debt with you or him. I disagreed to her response and said that is not true. I have the letters in front of me. Our last letter was dated for XX/XX/2018 asking you for the missing information that we never got in my clients letter dated from XX/XX/2018. I see you guys are not validating the debt or sending any response to my clients request which they said they received. XXXX XXXX said my client has sent them a cease & desist letter which is not accurate. The last letter which is attached clearly states if they did not respond to my clients request that they are willfully in " Admission of Silence '' by not responding and my client will use that in his defense. After telling Mrs. XXXX this, she started yelling at me and asking me if I was an attorney and I clearly said no, but Im my clients agent with a POA on file with you as a licensed credit repair business. Mrs. XXXX would talk over me and not allow to pursue my clients request in disputing the debt and requesting a fair validation request or respond to our second request. Still the validation request has not answered in a timely manor. My client feels they have violated his Fair Credit reporting rights.Its now been 30 days as today writing his validation. 

Please see both letters attached- POA ( Notarized ) Fax confirmation for XX/XX/2018

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 2018-09-28 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA. 

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.

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 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Navient recently informed me that the company failed to capitalize my accrued interest when I entered repayment in XX/XX/2016, and that it would do so now. For the last two years, Ive relied on the amounts that Navient showed when making payments and suddenly they want to take an action to remedy their error from almost two years ago. Furthermore, instead of capitalizing the amount of interest at repayment going forward, Navient backdated the capitalization to XX/XX/2016. As a result, my loan balance increasedwith the incorporation of interest that wasnt actually accruing and that I couldnt have known about because Navient erred in servicing my loans. ( As reflected in the statements attached, specifically XXXX to XXXX. ) I called the company multiple times, and they refused to take any action, including removing the additional amount added to my loan balance as a result of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I keep getting inconsistent information from XXXX on what to do in order to manage my loan, and I can not get them to give me any of this information in writing. On XX/XX/XXXX, as instructed, I submitted an application for IDR, as instructed. I uploaded an application and a copy of my tax return. I was told it was pending and that the XXXX portal would contain more information about my status- you can see from the screenshot of my inbox there is no such information, nor did I receive and e-mail. On XX/XX/XXXX, I made my monthly ( I say monthly because I waste a few hours of my work day on the phone with them on a monthly basis ) trying to get information. They said that I would be placed on a forebearance while my application was expidited. Today I looked and my bank account ( see screenshot ) was debited, even though I had a forebearance. I filed a dispute with my bank. 

My general issue is that I can not get consistent or written information from this service about what I need to do. Spending hours on the phone every time there is a status change to my account ( There is bi-annual paperwork to resubmit for PSLF ) is not something I should have to do. 

Furthermore, I have requested 3 times, over the span of 9 months that I get in writing what payments have counted towards PSLF and distinct instructions on what to do ... to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
My wife opened a credit card in her name and had my name added it to it later to help build my credit. In XX/XX/2017 my wife had unexpected XXXX XXXX and was mostly unresponsive until XX/XX/2017. I had no knowledge of the American Express card at this time to make payments. I began to get phone calls from family members, specifically my grandmother, stating that American Express was calling them 3 to 4 times a day in regards to a credit card bill. How is it lawful that a credit card company can contact family members and inform them of debt? That is a violation of my privacy. I reached out to American Express in XX/XX/2017 and they informed me of the balance which was astronomical and I told them it had to be incorrect and to please send statements to my address. Next thing I know, we are being served with a lawsuit from an attorneys office. American Express 's own card member agreement states it will send you notice of intention to file suit 30 days before it does so to allow you to work out the bill with them. Not in this case! And as it turns out, my wife reported the card stolen and tons of transactions were made that were not ours. Not to mention almost 5000 dollars in interest and fees!! I try to dispute the negative items but American Express says I must take it up with the attorney 's office. The attorney 's office gives no response on how to handle the fraudulent charges. Now the attorney 's office continues to sue us and file court documents in the wrong parish, causing me to miss entire days of work traveling to a different parish because the attorney 's office won't acknowledge they are filing in the wrong parish. They have filed a total of 3 court documents in the wrong parish, which by FDCP is {$1000.00} per violation. My wife filed bankruptcy because of medical debt and included this card in it. 

American Express has violated SEVERAL FDCP rules. 
1 ) filing in a parish where I do not live 2 ) Harassing phone calls to family members. My grandmother thought I was going to be arrested. It's extremely embarrassing.

3 ) Illegally informed third party about my personal debt 4 ) Failed to send written debt validation letter. Violated their own personal card member agreement by not informing us of their intent to file suit 30 days before.

5 ) Ignore my requests to dispute fraudulent charges ( I have a police report that proves card was stolen. ) 6 ) Collecting interest/fees/money not owed. Thousands of dollars charged in interests and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA. 

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.

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 2018-09-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA.

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action.

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
We have a Insurance claim with a loss date of XX/XX/2018, where remediation was completed. Now our house is torn up and we finally got the remediation check from the Insurance company. The mortgage company, Flagstar, was put on the check so we call them and asked them how to have it signed off on to get the funds. We were sent a check list and told if under 10,000.00 they would only need the check signed and the Insurance estimate. We overnight this to the mortgage company. There was a few days later the check for the rebuild that exceeded the XXXX, so we got the remaining information they wanted and sent it by priority mail. This was delivered on XX/XX/18 @ XXXX. We have called two times and this last call on XX/XX/18, they are telling us they do not have the information and that it take up to 48 hours to get the information in the system. Note it has been over 48hrs. They will not release any of the money and the manager stated that he will only send an email to see if they can find it. In the mean time we have had our house torn up with the remediation, that was completed over three weeks. The contractor is waiting on getting paid to put our house back together. I have been an XXXX for XXXXyrs and have never heard of any Insured having this much trouble with a mortgage company. We need help to get our house back together. This has been going on for almost 3months and it was not even a natural disaster.

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 2018-09-28 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: GA

Complaint narrative:
I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. Transunion, XXXX and XXXX   insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.

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 2018-09-28 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/2018 I got a notice from Experian that my Credit Score had changed. I logged in to see what had changed and why. My Credit Score had dropped with no explanation for a drop. No late payments, no credit inquiries, no new or closed accounts, no changed status to any accounts ... I could see no reason for the drop. At that time they showed my new dropped Credit Score at XXXX. Experian advertised " Credit Matched '' credit card offers matched specifically to my credit. I thought that if I qualified for a bank credit card that seemed acceptable it would help my credit score according to Experian, as not having a Bank Issued Credit Card lowers my overall score. So, since they have " Credit Matched '' offers specific to my credit, I can't really lose. I found a Credit Card offer that was offered by Experian specific to my Credit from XXXX XXXX for the XXXX XXXX XXXX XXXX. I applied. I was turned down. When I got the letter of explanation from XXXX XXXX they state that Experian submitted my credit score showing it as XXXX. Why is Experian showing me a score of XXXX and showing others my score is 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