vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Today I called Midland Funding, LLC that is the collection agency handling my XXXX Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called Midland Funding 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called midland 's  main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in XXXX and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in XXXX   then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX XXXXXXXX that was currently in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Around XX/XX/2019 I received an email saying my dispute results were updating during process when I mail the letter off to Experian on XX/XX/2019 and the tracking said it arrived on XX/XX/2019. This sound so interesting because I called XXXX XXXX XXXX XXXX and asked about my dispute over the phone and the representative said they never received my dispute regarding this alleged account same for XXXX XXXX XXXX XXXX. I told them my grievance and they immediately cleared my charged off account. Experian has failed to accurately and effectively communicate to these entities that hold this accounts in my name. When I have an identity theft report on file concerning these alleged accounts. Experian misrepresented my case of identity theft and failed to provide creditors supporting documentation on my behalf. Experian is now fraudulently listing these accounts and aiding in defamation of my character. Experian failed to conduct a proper investigation, without verifying the debt, and without communicating to the creditors. 

They are in violation with the FCRA and the FTC. On top of that Experian and other credit reporting agency are selling my personal information. 

EXPERIAN needs to opt this consumer out of disputing online. This consumer does not want deliver results of my credit report sent electronically. Please send all reports through the mail. Experian is not doing a through investigation and this is not the first time this has happen it has happen multiple times. I have asked Experian to delete the accounts they can not verify by documentation. Excuse my frustration at this time during this matter and hope you are understanding. 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 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have disputed information in XX/XX/2019 with XXXX  XXXX and it has been over 30 days, I have yet to receive a response. Regarding Bank of America, XXXX XXXX , XXXX XXXX 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 2019-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: OR

Complaint narrative:
I keep receiving phone calls at work and have explained to them I can not receive these types of calls at work. I don't know why they are calling me, they wont tell me any information, or if they even have the right person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent my documentation to Equifax, they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this is my actual debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have had my credit cards for many years with TD now, and have had excellent payment and credit history. I called customer service today to ask if I could be considered for a lower rate on my cards and was told that the current rate is the rate I qualify for and there was no one else I could speak to. I asked if he ran my credit to make that statement and he told me he did not. I explained to him that my credit has improved since i first got the cards years ago, but he still offered no assistance. I have banked with other banks and this is a common practice-to review a longstanding customer for consideration of a rate reduction. I would hate to move my business to other banks just because you would not consider me for a rate reduction, as I have already been offered lower rates to transfer my balance to other banks, but I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Riverwalk Financial Corporation
State: SC

Complaint narrative:
I have disputed this invalid information with the three major credit bureaus. I disputed the unverified information and XXXX  and XXXX deleted the information. However, XXXX  is stating that the issue is valid, after a second attempt to resolve this matter in XXXX of 2019. This information is affecting my credit report and score. I even sent proof of the investigation from XXXX   and XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TX

Complaint narrative:
On XX/XX/19 I disputed the XXXX XXXX account with Equifax. Equifax stated that the account is valid. I reached out to XXXX XXXX and they were unable to provide me with validation of the debt. If XXXX XXXX could not provide me with the documentation how did they provide it to Equifax? Clearly they didnt. 

I then requested the method of verification from Equifax. That I have not received. 

XX/XX/19 I sent another dispute telling Equifax to delete this same account because they are violating the FCRA by reporting a past due balance on a collection. 

Equifax is still reporting this account and it still has a past due balance and have not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultants in XXXX, Florida put supposed debt of {$150.00} on my credit score without contacting me or attempting to give me any information on the supposed debt to XXXX XXXX. XXXX XXXX never sent bills or contacted me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
XX/XX/19 Personal Finance Company XXXX contacted me from XXXX advised she was handling my account with Mariner Finance and that I was one payment behind. I advised I would pay one payment of {$110.00} on XX/XX/XXXX. XXXX then attempted to collect a 2nd payment from me that was due XX/XX/XXXX not past due yet. I advised payment was not past due yet and XXXX used a derogatory term toward me and spoke down to me by calling me " honey ''. I asked to speak to a Supervisor and she transferred me to a Mariner Finance branch. I asked the lady at Mariner to speak with XXXX 's supervisor and she transferred me to XXXX XXXX 's voicemail with Personal Finance Company. I left a voicemail message and XXXX XXXX called me back about 30 minutes later. XXXX XXXX advised me she was confused about why I was complaining and that XXXX was only doing her job. I repeated back to XXXX XXXX that her stance was XXXX was doing her job. I requested an address to write a letter of complaint and XXXX XXXX refused to provide me. I then asked to speak with her boss she advised she was not available and would not provide me with a phone number or address to contact her boss. She did provide her bosses name XXXX XXXX and stated she would have her contact me. XXXX XXXX then terminated the call. I believe that calling someone honey or sweetie you're telling them you see them as a subordinate, a child, someone who needs benevolent patronage.

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 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today I called XXXX XXXX, XXXX that is the collection agency handling my Citibank Credit card account which I apparently owe {$1400.00}. This amount reflects on my credit report. I called to offer a settlement of 50 % of my debt and submit a payment today. I called XXXX XXXX 3 times today and was on hold for over an hour and transferred more than 3 times to different departments. I spoke with a XXXX XXXX and she gave me the number XXXX ext XXXX and told me to call them to make payments. I called twice and left 2 voicemails and nobody called me back. I called XXXX 's main phone XXXX and was then directed to XXXX XXXX and stated I needed to make a payment today because I am in training and I will not be available due to duty requirements and I need to make a settlement payment today. He put me on hold for over 30 mins and then I was transferred to another department where I waited on line again for an extended amount of time. Someone eventually answered and told me that I would have to call back in a couple of hours or someone will contact me. XXXX XXXX called me back and said that he had been discussing my account with the Liasion and management and then the soonest they could get back with me was in 7 days and if I was in training then I would have to call them back at my availability to make payment. I tried several attempts to make payments today to settle my account and I also talked with a Supervisor but no one was able to accept my payment and then ultimately said they would have to contact me in 7 days but not offering any explanation as to why. I did let them know I was an XXXX XXXX member that was currently in training.

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 2019-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Hi, I've just exited deferment and was looking into consolidation as a means to lower my monthly payment and shorten my repayment period. I've had my loans in deferment while I have started my own business. I used their repayment planning tool on Wednesday, XX/XX/XXXX at about XXXX ET. 

However, NelNet is clearly forcing me into a prolonged repayment term that benefits them. When I attempt to select a term-based repayment plan, I receive four options.

1 ) Standard, {$7500.00} per month, fixed monthly payments, 10 year term 2 ) Graduated, {$7300.00} per month, payments increase over time, 10 year term 3 ) Extended Standard, {$1900.00} per month, fixed monthly, 25 year term 4 ) Extended Graduated, {$1300.00} per month, payments increase over time, 25 year term If you do the math on the Standard and Graduated 10-year plans, the interest rate is about 36 %. 

This is clearly forcing me into the most profitable option for NelNet, and penalizing me should I wish to pay off my loans early. While I'm not an expert in Student Loan lending laws, I can't imagine this practice is within the law. 

In addition, my loans have been serviced by several companies over the past 17 years. I made steady payments for about 10 years while I was not eligible for an in school deferment or hardship deferment. However, because the loans were transferred so many times my payment history was lost. NelNet, the most recent servicer, is unable to give me an accounting of how my prior payments of nearly {$100000.00} were applied and why my principle has increased above the original loan amount for all but one of my loans. The prior loan services are no longer in business and I am at a loss as to what to do to 1 ) confirm the actual amount I owe, and 2 ) begin repaying that amount. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I recently moved to a state where they do not have the bank I currently use in which is XXXX XXXX. I decided to open a account with Bank of America ( online ) I tried on two occasions thinking I entered my info wrong because I got a denial response. I was denied the second time. I contacted Bank of America and they said I owe them money for an account that was in my name that had an outstanding balance. I told them that was impossible and must be fraud. They would not listen to me. They said the account was from some years ago but they said they could not retrieve any other info on account or debt. I had a account with Bank of America in 2017 in which I closed. Therefore, I know the debt is fraud because I would not have been able to open this account iif I had owed the bank a previous debt. Bank of America was a lender on my Federal Student Loan but that was 8 years ago and I am paying that debt to Federal Student Loan Dept. Bank of American employees have been very rude and not trying to help me resolve this matter. When I closed the account I had with Bank of America back in 2017 it was due to wrongly being charged unnecessary fees and always greeting letters from them that my account or info might have been jeopardized. I also received settlement checks from the as a part of lawsuits filed by customers for wrong charges. I thought by now Bank of America would have straightedges up their act and business practices. I will also be filing this complaint with the Federal Reserve. 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 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I submitted a request for a modification because my mortgage has a balloon payment that is coming due. I do not want to lose my home. I want to modify the mortgage and receive an affordable monthly payment. Select Portfolio is giving me a difficult time with fixing my monthly payment. They are unwilling to help me. Please help. Thank you..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Performant Financial Corporation
State: FL

Complaint narrative:
I keep getting calls at work from a third party collection company called performance collection. They have called my bosses family and friends asking if they know me, calling my job after they were ask by my boss not to disrupt me at work. My friends and family. It needs to stop. I cant function at work and my HR is getting irate. But to call my bosses mother in law thats too much. Please help!!!!

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 2019-05-29 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: TX

Complaint narrative:
On XX/XX/19 I disputed the XXXX XXXX account with Transunion. Transunion stated that the account is valid. I reached out to XXXX XXXX and they were unable to provide me with validation of the debt. If XXXX XXXX could not provide me with the documentation how did they provide it to Transunion? Clearly they didnt. 

I then requested the method of verification from Transunion. That I have not received. 

Transunion is still reporting this account and it have not been validated.

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 2019-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I contacted XXXX XXXX XXXX to negotiate a lower interest rate on my student load after it had recently gone up again. They told me that they were only the servicer of the loan and that I must contact XXXX XXXX XXXX, who they said owned the loan, to speak about interest rates. I called XXXX XXXX XXXX and gave them my full name & SS # and they could not locate me in their files. Now I am wondering who I am paying and why my interest rate went up if nobody owns this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV sent a letter trying to collect on a debt. On the letter they say they would report the debt but they are reporting the debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
My mortgage was sold and I was NOT notified. The only way I found out was by checking my credit report and seeing I was 2+ months late on a payment. Here is a quote from an article linked below. " Consumers should not be collateral damage in the mortgage servicing transfer process, '' said Consumer Financial Protection Bureau Director XXXX XXXX. By law, it states that all information should be transmitted from old to new company, which atleast my phone number was NOT, SPS did not have my phone number nor did they care enough to locate me to tell me I was late. Then they charged me additional money to physically look at the property which I want back as the loan with this terrible company has been paid in full. 

I can provide proof from my credit report showing years of perfect payment with XXXX ( old mortgage holder ) then the transfer to SPS and the first payment being 2+months late and another 3 years of perfect on time payments until 2 weeks ago when I sold the house. 


XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
on XX/XX/19 I opened up XXXX disputes against XXXX  and XXXX XXXX XXXXXXXX from my Chase credit card. Chase has all the dispute information in their file. XXXX the merchandise was returned because it was defective. I never received a replacement or credit. When I left the defective merchandise I was told someone would contact me which never happened. For XXXX XXXX  these were not my charges. Chase contacted me about these charges and the agent was incredibly rude and incompetent. He would not listen to me, conduct an investigation, provide me with receipts, and was mischaracterizing everything I said. The level of incompetence displayed by him was truly astounding.

Company response to consumer: Closed with explanation