vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
Reference my CFPB complaint, ID # XXXX, to South Mississippi Collection Service ( SMCS ), submitted on XX/XX/XXXX ; and SMCS ' response on XX/XX/XXXX. A Medical Debt Collection Account has been posted on my Credit Reports by SMCS on XX/XX/XXXX. This Collection Account has a reported opening date of XX/XX/XXXX, in the amount of {$64.00}, original amount of {$46.00}. I am a XXXX U.S. Citizen and receive some limited State and Federal Medical Insurance Benefits. Apparently, the remaining balance, in the amount of {$46.00}, was not paid to the original Creditor ( XXXX XXXX  XXXX ) by my medical insurance ; A {$18.00} collection fee was later added by SMCS for a total of {$64.00}. Because of my XXXX Benefit fixed low income, the XXXX XXXX XXXX   XXXX setup a payment plan with me for any unpaid insurance medical charges. This payment plan was setup prior to XX/XX/XXXX ; but the XXXX XXXX XXXX   XXXX apparently still sent the unpaid balance to collection. The Fair Debt Collection Practices Act ( FDCPA ) requires that within 30 days of debt assignment, SMCS must notify me in writing, not phone calls, of this Collection Debt. I am AGAIN stating that I DID NOT receive any lawful WRITTEN DEBT NOTIFICATION from SMCS. I would have happily arranged payment if properly notified prior to reporting it to the Credit Reporting Bureaus. I submit to XXXX   that Collection Agencies need to STOP the practice of just reporting to Credit Reporting Bureaus under the guise that they gave a person lawful DEBT NOTIFICATION. A person 's Credit Report is nothing to PLAY with. The information on Credit Reports greatly influence a person 's livelihood ( ie., Mortgages, Rent, Loans, and even Insurance and Utilities ). I challenge SMCS to provide proof that I PERSONALLY received lawful WRITTEN DEBT NOTIFICATION, NOT PHONE CALLS, from them.. I receive all my other mail at my indicated home address. I have no problem with paying this Medical Debt, but I will seek lawful action if the the Collection Account is not IMMEDIATELY removed from my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I noticed in late XX/XX/XXXX early XX/XX/XXXX a charge for {$420.00} on my account that I thought was a billing error since on or about XX/XX/XXXX I ordered something for {$420.00} from the exact same company. I contacted the credit card company immediately and they told me it was actually another charge, I explained I did not order anything else and disputed the charge. I called back to follow up after the 30 days and was told they credited my account already, I never heard another word until I noticed on my XX/XX/XXXX statement without a letter email any notification that they had charged the {$420.00} back to my account, I again called immediately XX/XX/XXXX when I seen it and spent exactly 1 hour and 5 minutes on the phone after my 3rd transfer with no answers I got someone in the fraud department who also didn't know anything but said he would dispute it again, however 2 days later I got a letter stating I was responsible for the charge with no explanation as to why, I then called again XX/XX/XXXX when I got the letter no one was able to help me and said the investigation was over and I will have to pay for it, but they had no further information as to how the decision was made, I asked for all the documentation on the charge they told me to contact the company that company that charged it on my card, I said I did that but since I had NO information for them to locate the order ( since it wasn't me ) like who ordered it when what it was the name address phone number used they were not able to help me that is when I assumed my cc company would HELP me their customer but I was apparently wrong!

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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I get over 30 calls a day. I explain that I am at work and they continue to call.

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 2018-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been dealing with what is now Navient for years in regards of repaying my student loan bill. I've had circumstances that caused me to have to use the deferment and forbearance methods, but have been steadily paying when possible when not using these methods. Since the beginning of the new year, I have been constantly receiving calls from different states and toll-free numbers, of which I haven't ever received before. My student loan is the only debt I have. Through some research, which consists of looking up the phone numbers calling me, I've found out all the numbers are in regards of collecting money, in association with Navient, my student loan company. The one time I picked up, wondering why these people from other states were calling me, they were rude and unprofessional. I even took notes on what was said and the rude manner in which I dealt with. I do not understand why harassment is a supported method in which to obtain debt, of which I am on deferment so I should not be receiving -any- calls whatsoever until at least my deferment ends, which is many months away. Today, I received a call at my workplace regarding this personal issue and I was not even present to pick up the phone, but my coworker was and took a message for me. It was Navient calling my work to try and collect on a student loan that is still in deferment. In no way is this acceptable or even a decent collection method, as now my workplace knows of my debt. It is unprofessional to call a workplace of someone to try and collect, let alone divulge personal information to others within the workplace. I am filing this complaint against Navient because in no way is calling my workplace an acceptable practice, let alone divulging my information to everyone I work with. The FDCPA prohibits calling ones job to collect a debt, yet it occured today by Navient. Also, part of my complaint is because I am being harassed to pay on a student loan that is still very much in deferment. This whole issue is absurd and should not be as drawn out of proportion as it currently is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have been ongoing notifing XXXX XXXX XXXX since XX/XX/2017 of misconduct and mishandling of my XXXX credit card account to date. The random responses from Bank continue to be inappropriate to my clear and direct questions to date. 
Since it appears no one is available with the bank to assist me with my ongoing dispute balance AND mis- handling if my account, I am requesting that XXXX XXXX XXXX : 1 send me a copy of XXXX AND BANK agreement policy and step by step procedures on handling items returned thru XXXX , when And how credits are put back to Consumer accounts and when is bank notified by XXXX if returns. 

2. I am requesting that the bank send me XXXX and Banks agreement policy and step by step procedures for handling a consumer 's complaint, when consumer reports abuse and misconduct with XXXX credit card. This policy and procedures needs to include consumers timeline to report their issues when found, who works on compliants at bank and what is the wait time to hear from bank ( 30/60 days ....? ) This information will help me clearly understand the working relationship and agreements between XXXX and XXXX credit card XXXX XXXX XXXX. Hopefully this information will also give me some understanding as to where there could have been a disconnect with the charging of items and handling of my credit card, from my actual purchases through XXXX : per advertised prices of items and support services to consumers with purchases. 
* Bank response back needs to clearly report what complaint department handles this type of complaint from XXXX card consumers. I am seeking to understand who has been working on my complaint to date, as I have not heard back from them directly with any type of resolution with me acct. 

please send all information through the Consumer Finance website only. 


***I am not getting my answers from the bank about my account and the things that's going on with it, I also have not been getting items purchased as advertised through XXXX XXXX XXXX XXXX. I am trying to resolve where the disconnect has been ongoing taking place with my XXXX credit card and advertising practices for XXXX as the two businesses partner to provide consumers with services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX XXXX scammed me charging me to get me a modification. I spent over 2 years sending them my financials. All they had me do was file bankruptsy. Finally I felt like something was wrong because I never received a review or solution. He told me to never call the bank and they would handle everything. I finally got my daughter involved and she found out through the bank ( XXXX XXXX XXXX ) they never received documents to review. WE submitted a full financial package immediately directly to the bank-XXXX XXXX XXXX and since then the bank as neglected to deem complete even though they say they have it in the system. The last missing document they requested before due date of XX/XX/XXXX has been in there system since XX/XX/XXXX and they have failed to acknowledge it nor even notifiy of any further new requested items. several agents say yes its there what they requested but no one has deemed it complete for over a week causing this to be way over violation of CFPB. Now a sale date is scheduled and the bank has not requested to suspend or cancel knowing we have a full financial package for modification review in their system!!! I have been sending docs and speaking with agents directly on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX with 3 collection supervisors because they refuse to xfer to anyone in loss mitigation and advised they do see where its odd its been sitting with a processor for over a week and should of been to an underwriter so far, XX/XX/XXXX with 2 other collection supervisors one of them named XXXX who refused to connect me with a loss mit team lead and said the single point of contact wasn't available and no back up is set in place. XX/XX/XXXX still no single point of contact response or connection to loss mit. Sale is still on for XX/XX/XXXX.Loan care has taken several weeks to even acknowedlge the intitial package to begin with and then constantly state to me that the bank has 60 days to review financial documents?? I understand they have to review it within 5 days max. Once I was told the bank has 2 full weeks to review a financial document that comes in. Loan Care has never been consistent in the processes, stages, turn around times and access to a loss mit agen at ANY point. Complete neglect of my mortgage handling.

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
On early XX/XX/XXXX, I received a debt collection notice in the mail from a company called " ERC ''. I immediately called them ti figure out what this was for and the representative said that this is a debt from an account with XXXX XXXX XXXX over 5 years ago. I told her that when the account was terminated, the equipment and final balance were paid at XXXX XXXX XXXX 's office in XXXX, Ohio. She argued and said unless I had proof of what I had explained to her, that they would continue to try to collect the debt. 

I asked her how it was possible that if i look at my credit report every year, how this hasn't ever come up until now. She didn't have an answer but said that they were supposedly the 4th collection agency that has had the account. Again, I asked her to explain why I haven't heard about this until now and she had no answer. Her only response was that I could take the settlement offer they were presenting to me or that they would continue to collect the debt. 

After I got off the phone with her, I did a quick XXXX search and have found HUNDREDS of other complaints from people just like me. People who have never had service with XXXX XXXX, people who used to have XXXX XXXX 5 or more years ago in the past, etc. 

I do not owe this debt and need this taken care of. This company is unethical and should be shut down. 

I also receive 2 or 3 phone calls per day from this company even though i told them to put it in a dispute status because if it is not a genuine debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
A REQUEST FOR BAYVIEW LOAN SERVICING LLC LOCATION OF XXXX FLORIDA TO REPORT XXXX XXXX XXXX SINGLE FAMILY HOME OWNER MORTGAGE SALE ON AROUND XX/XX/2017 TO THE THREE MAJOR CREDIT REPORTING AGENCY 'S 1 ) XXXX   2 ) XXXX 3 ) XXXX XXXX. LOAN # XXXX PROPERTY ADDRESS : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Requested a new debit card in XX/XX/XXXX. Never received the card so I called to determine what was happening. I was informed that a new card ( a different one than the one I requested ) was being sent because the previous card ( the one that requested ) was compromised. As the card hadnt arrived even though they claimed it had been sent they sent another one. Fast forward another month. I finally receive the card itself but no PIN number. As of XX/XX/XXXX I still have no PIN number for this card. I have two checking accounts with them and have been using the card to my other checking account in place of the normal card until XX/XX/XXXX when that card too was cut off without warning for possible breaches at places Ive shopped. I now have no way to pay bills as they are connected to the old cards and I dont have new cards that I can actually use. When I called to find some way to keep things going until I received either PIN numbers or the new card and PIN the phone agent provided no tangible, actionable help beyond resending the PIN and a new card in 7 business days. There has to be a better way to handle this then cutting off cards without providing some type of warning beyond a letter that may or may not arrive before it happens ( if at all ). I now may face late fees and additional penalties for any bills that were connected to the second card that was used in place of the first one that was also cut off almost 3 months ago. I cant switch the bills to another card because I dont have another one to switch it too. While at the bank on XX/XX/XXXX for a separate issue that was resolved, another customer came in with almost the exact problem and was given little to no resolution. It seems like this system isnt working well and changes need to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: PA

Complaint narrative:
I registered for XXXX XXXX XX/XX/XXXX. Classes began XX/XX/XXXX. I withdrew in writing XX/XX/XXXX. XXXX XXXX XXXX, Director of Student Accounts was supposed to return all money sent to the school on my behalf. The enrollment application was fraudulently executed. The application needed all signatures. If any were lacking, the agreement would not be binding. The Administrative Official did not sign. The Department of Education and XXXX XXXX should not have sent money to XXXX XXXX. They should have noticed that oversight. The address for XXXX is XXXX XXXX XXXX, XXXX, Pa XXXX. My major was XXXX XXXX. I have received letters for ten ( 10 ) years. I have written Senator XXXX, loan officers via certified mail, XXXX XXXX. I sent a certified letter XX/XX/XXXX requesting all collection efforts to cease. My information was returned and denied. According to my documents the balance is XXXX.  Everything is ignored. I have kept all documents from this school and loan companies and cards from the certified letters. My social security number was on many of the forms, violating HIPPA. I want my record restored and negative information removed from the credit agencies. XXXX XXXX is sending letters. They were sent certified letters XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I have disputed this as fraud with company that appears on credit report. The debt keeps reappearing under another company with same amount

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 2018-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/2017 Monthly payment XXXX dollars. I reached out to company and asked for a good will due to situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
There is an inquiry on my credit report from M & T bank Ind that was added XX/XX/2018 that Im just now seeing and I dont know of them or never gave them permission to open an inquiry on my report. Their location is XXXX, NY with phone number 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 2018-03-22 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/2016 there a payment was made on time and return by the bank few weeks later. The payment was return during the next billing cycle. The payment was replaced but the company reported a 60day late in error and as an accounting error. I have never been reported late in 5years. The company acknowledged this error but the late has not been removed/corrected on my report.

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 2018-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/XXXX -XX/XX/XXXX time frame I had contacted Capital One in order to be proactive advising them that my husband had been admitted to XXXX for a XXXX XXXX and I was having financial hardship from only having 1 income and wanted to avoid my credit from being ruin was there anything I could do I couldnt afford the amount of payments on both my accounts. I was entered into a financial hardship program for both cards. They told me once I was approved I had to make 3 payments on time and the past due amount would go away. That never happend on 1 of the cards and it is reporting against me as past due affecting my credit report. I had called in the beginning in XX/XX/XXXX and XX/XX/XXXX and was told by I think XXXX once I made 3 payments that past due amount go way. Still never did. I called today XX/XX/XXXX XXXX told me its a computer glinch and Capital One trying to fix it I told her NO that is not true because if it were then how is my XXXX card fine but the XXXX XXXX is reporting past due and I am in the program on both. Once I refuse to accept that answer she comes back to tell me I have to pay {$72.00} in order to bring it current and this was never told to me before and how was I approved for this program and never told this until today she claims there are no notes from the 3 previous conversations THAT STRANGE I asked her isnt that weird there are no notes of our conversation but yet they see I called she agreed. I wanted to speak with supervisor was told I had to wait to get a call back she wasnt sure when or who it would be REALLY and this is wrong I want my credit fixed and Capital One to beheld responsible I worked hard to repair my credit which is ruin because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/2016 there a payment was made on time and return by the bank few weeks later. The payment was return during the next billing cycle. The payment was replaced but the company reported a 60day late in error and as an accounting error. I have never been reported late in 5years. The company acknowledged this error but the late has not been removed/corrected on my report.

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