vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
After a security breach at my employer, all employees were provided free credit monitoring service. After reviewing my credit report, I noticed an account that was not mine listed as a bad collection, which adversely affected my credit score greatly. Portfolio Recovery was listed. I contacted Portfolio Recovery numerous times, via US certified and read receipt correspondence. I asked for debt validation, ( they merely sent a copy of the last bill ), I asked for signed copy of the contract I supposedly had, proof they had the legal authority to pursue this erroneous debt, they never provided either. I complained twice with the CFPB and Portfolio would not cooperate, prove the debt was mine, and remained undeterred. Lastly, I sent another certified/read receipt letter stating I was willing to pay 75 % of the balance in full with the promise this erroneous collection will be removed from my credit report. They replied and did not want to negotiate. I rather pay for this debt then to keep the negative mark on my credit as a bad collection which will cost me 100s of dollars in higher interest rates for years. I was told that even if the bill was paid in full, this will remain on my credit report. I do not understand why a business will be so cruel to a consumer who was the victim of fraud. After speaking with my council and reviewing my credit report, I learned Portfolio Recovery Associates is reporting they are a factoring company. This is against FCRA section 623. This is violating my rights. This is unfair business practices with me, the innocent consumer, falling victim. I want this collection removed from my credit report from all three credit bureaus, to never appear again under different auspices, or traded or sold. Portfolio Recovery Associates are not being honest, fair, and they need to held accountable for their actions. I also filed a complaint with the Virginia BBB. Thank you for using the Better Business Bureau 's Online Complaint System. Your complaint has been assigned case # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX, XXXX Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
NationStar billed me wrong for over a year and when they realized their mistake they sent me a monthly statement of XXXX, XXXX due in 30 days. I have tried everything possible to have them correct their mistake but they completely ignored me. I hired a lawyer which he just gave up after he mailed certified letters to NationStar but of course he was also ignored. I was advised that the only option I have is to take the mortgage company to the federal court. NationStar is also charging me miscellaneous fees like pay by phone, late fees, which I have never paid by phone or being late one time in over 10 years. As of today they are charging me every single month over {$300.00} in miscellaneous fees. Please help me I do n't want to lose my small apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: The CMI Group, Inc.
State: TN

Complaint narrative:
I made payment to CMI who collected on behalf of XXXX for an outstanding debt. 
CMI did report the account was paid in full but refuses to delete the account from my credit report causing me to continue to get adverse credit rating. I am requesting account to be deleted because it is a reoccurring issue each time I apply for credit and the debt is settled. XXXX hired them to collect payment not to punish or cause long term financial hardships for me. 
ref # XXXX

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 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Based on the new requirements for Public Records I have filed disputes with Transunion, XXXX and XXXX to remove my tax lien based on it lacking a full SS # or D.O.B.
I disputed 2 times with XXXX and they just last week removed the lien.
With XXXX I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution.
With Transunion, I disputed first on line the week of XX/XX/XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XX/XX/XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XX/XX/XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XX/XX/XXXXI found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XX/XX/XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it.
I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
The company refuses to enter the account into an active forecloser status and continues to purposely damage my credit. XXXX XXXX personnel informed me time and again that I fall under the SCRA. Two things, I never provided a contract or XXXX informing them of my relation to the military. Two I waived my rights to SCRA no less than three different times. I will attach supporting documents to support my claims. Attached : XX/XX/XXXX - Email requesting foreclosure ( memo with original deed-in-lue paperwork from Bank of America ) XX/XX/XXXX - Email requesting foreclosure ( memo to lawyer ) XX/XX/XXXX- Email requesting foreclosure ( memo ) XX/XX/XXXX - Email requesting foreclosure ( memo ) XX/XX/XXXX - Returned Forms to waive SCRA via FAX. I believe XXXX XXXX is purposely losing documents and shuffling their feet. I am not sure to what end, but I 'm positive this is intentional.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company is trying to collect {$510.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TexCap Financial, LLC
State: TX

Complaint narrative:
ON OR ABOUT XXXX 2017, I RECEIVED A CALL FROM SOMEONE, WHO DID NOT GIVE ME THE CORRECT NAME, THAT WAS ATTEMPTING TO COLLECT A DEBT FROM ME, XXXX XXXX, I PURCHASED A VEHICLE FROM TEXCAP BACK IN XXXX 2017, FROM XXXX TO XXXX I HAVE NOT MISSED ANY PAYMENTS, I DID SOME RESEARCH ON TEXCAP, AND FOUND OUT THEY ARE NOT REGISTERED WITH THE STATE OF TEXAS, TO PRACTICE FINANCE AUTOMOBILES, THIS INFORMATION I GOT WAS THROUGH THE SEC OF STATE OF TEXAS, TX IS WHERE I LIVE AND WHERE TEXCAP IS PRACTICING BUSINESS, AND THEIR BUSINESS LOCATION, ON XXXX XXXX, A DEBT COLLECTOR CONTACTED ME, BECAUSE I MAILED IN A CASHIERS CHECK TO TEXCAP FOR MY XXXX PAYMENT OF {$670.00} ALONG WITH MY LETTER OF ALL RIGHTS RESERVED NOTICE, ASKING THEM TO PROVE THE DEBT? THAT IS WHEN THE DEBT COLLECTOR CALLED ME, VERY ANGRY AND DISRESPECTFUL, ON A RECORDED CALL FROM MY END, THAT I HAVE INSTALLED ON MY LINE, TELLING ME, HE DO NOT HAVE TO VALIDATE THE DEBT, HE IS CHARGING ME AT ALL, HE SAID IT OVER AND OVER THAT TEXCAP DO NOT HAVE TO PROVE, THE DEBT, AND SINCE I SENT TO THEM A NOTICE THAT WAS NOTARIZED ALONG WITH MY PAYMENT, TO LET TEXCAP KNOW, UNLESS THEY SEND PROOF OF THE VALIDATION OF THE DEBT, THE PAYMENT BEING MADE IS FINAL, I PUT ON THE MEMO OF THE CASHIERS CHECK " CONDITIONAL ACCEPTANCE '' MEANING THAT IS FINAL PAYMENT IF ACCEPTED. I MAILED IT BY US POSTAL CERTIFIED ALONG WITH MY " NOTICE '', NOW TEXCAP AFTER REFUSING TO PROVIDE PROOF OF THE DEBT, THEY ARE HARASSING ME WITH PHONE CALLS AND MAILING BILLS TO ME, AND THEY THREATENED TO TAKE MY TRUCK, EVEN THOUGH, I HAVE ASKED THEM IN WRITING TO VALIDATE THE DEBT, AND THEY ARE REFUSING TO COOPERATE ON PURPOSE BECAUSE THEY ARE COMMITTING FRAUD, I AM SENDING IN PROOF OF THE EVERYTHING, THAT I HAVE DONE TO NOTIFY THEM, AS WELL OF THE BILLS THEY ARE CONTINUING TO MAIL TO ME AFTER BEING ASKED TO DISCONTINUE NOTIFYING ME UNTIL THEY PROVIDE THEIR PROOF OF VALIDATION OF DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient by far is the worst student loan provider. I am not available during their business hours to talk about the services of my loan. I received and email stating " the program I am entered in is ending XXXX 2017 ''. I took the proper action in writing to them asking how much my payments would go up -- as I can not talk on phone during their business hours as I am working and paid to do so not talk about personal affairs. I have tried for 3 days to get the amount of how much this loan will be going up. NO ONE has been able to answer my question. They all say to call even though I CAN NOT TALK DURING WORK HOURS. I have put in writing that if I am in auto pay that this new amount whatever it is ( since again they will not disclose nor on the website any where does it state what the new amount will be ). They do NOT HAVE PERMISSION to deduct any amount other then I agreed to of XXXX. ( which Is all in writing in several several emails as well ). AS no permission will be granted. I am looking for disclosure of my loans. If they can send out an email stating that this program I entered is going up -- some where on their site MY INFORMATION should be made available. But nobody is willing to direct me in any direction nor let me know where to look! As I am waiting for the end of the month to make sure THERE IS NO NEW DEDUCTIONS, as I have everything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I sent credit collections a letter asking them to verify 2 medical bills that were on my credit report on XXXX XXXX, 2017. As of today, I have not received anything back from them in reference to the debt. The two amounts are for XXXX dollars and the other is for XXXX dollars. I was not aware of these bills and do not have recollection of the days they claim I went to the doctor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Ditech Morg. company sent me my payment of {$1700.00} TAX CREDIT CHECK back in XX/XX/XXXX. I never received it. And they claimed that I received and cashed the heck that I never received. I did all of the research, and check with the bank that they said it was cashed at, bank of XXXX XXXX XXXX XXXX. They confirm that no check was never ever cashed there by me or that Amount. As per XXXX XXXX the bank manager. After checking the copy of the returned. There separate check, the one with my sign. was from the previous year check for {$1000.00}. that did receive a year ago.XX/XX/XXXX. I never received the XXXX check for {$1700.00}. Please see the attached police report, I contacted DLLR -Dept of Labor, Licensing and Regulation XXXX XXXX XXXX & XXXX XXXX XXXX Who told me to contact your office. SUDDLEY, DITECH HAVE CLOSE THE CASE AND DID NOT OPEN THE RESEARCH AT XXXX XXXX XX/XX/XXXX XXXX XXXX ACCORDING TO XXXX XXXX THE BANK MANGER. CLOSED UP THAT LOCATION AND TRANFER THE NAME ON MY ACCOUNT WITH OUT TELL ING DLLR. I STILL DO NOT HAVE MY CHECK

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I filled out an application in the store offering the credit card ( Sam '' s Club ). They said it was under my husband 's name but was denied. This took place on XXXX XXXX XXXX. I then submitted my information and they said I was denied ( the clerk had called the bank and I spoke with them directly and they said they could not tell me the reason over the phone that I would get a letter in the mail explaining the reason. My husband then received a letter from the bank along with a credit card! They had reversed some numbers in his social security number. I called them again to inquire as to why I was denied and the assured me I would have a letter from them by XXXX XXXX XXXX.  Today is the XXXX and I got no letter in the mail today. I called again today and they said they could not tell me why I was denied and they have no idea if a letter was sent to me or not ; said they must have the wrong address or said it must have been lost in the mail. I assured them that the address was correct as they had sent a letter to my husband. I asked if they frequently discriminated against women as my husband received a letter and a credit card 3 weeks ago. I then asked for a supervisor and told her my concerns and asked for the name and address of the government agency to contact. They girl I spoke to before getting the supervisor told me I would have to look up the information on line which is a clear violation because they are supposed to provide it to me. I want to know why I was denied. I have excellent credit and have been waiting to get this issue resolved before applying for a reverse mortgage that my husband and I want to take out. I can not do this with this issue hanging over my head.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 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: CA

Complaint narrative:
Accounts have been opened online without my permission fraudulently. I have had to file a police report and also have filed an identity theft report with the Federal Trade Commission by the recommendation of the investigating officer on my fraud case. I have contacted Equifax by telephone and have also sent them copies of my identity theft police report along with a copy of the Federal Trade Commission in regards to the fraudulent accounts on my credit report. They still are continuing to show these fraudulent accounts on my credit report and as a result I have lost a lot of the good credit as a lot of the banks for my credit cards have lowered my limits significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to XXXX, XXXX and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that I had an account that was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. XXXX is reporting this false and incorrect information to Experian, XXXX and 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 2017-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted aAdvantage in regards to late fees charged on my account in XXXX. They had not sent the statements to me and I had a purchase of {$25.00} dollars for checking in a bag at the airport. Citi assured me that they would reverse the fee and send a new statement. I updated my email at the time. I checked back now in XXXX and they had not reversed the late fees. I ended up paying the balance off today XXXX and contacted them to reverse the late fees again. They said it had been a couple of months so they can not reverse the previous late fee but will refund me {$35.00}. I asked for a confirmation number and they said it was emailed. I asked the attendant to stay on the line and checked my email but did not receive a confirmation number. When I asked the attendant about it she said it was sent via regular mail. I asked to speak to supervisor to get a confirmation number over the phone at which point the line cut off. I am going to cancel the card as I am not impressed by the service. I wanted to ensure that I do not keep getting charged late fees for what I have already paid for. In total my bag check in of {$25.00} dollars has cost me XXXX for XXXX to XXXX = XXXX. I think this is unfair and Citi should take responsibility. I always pay my cards on time and this card and service seem to be a problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I called company to dispute the debt as it is my right under FDCPA, and agent from the company refused to accomodate my request. They claimed I owed the State of IL because of late taxes, but they refused to provide me with a verification of debt. I believe this company violated one of my rights under the FDCPA

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