vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have written to Portfolio Recovery SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC
State: WI

Complaint narrative:
In Early XX/XX/XXXX I contacted pci to discuss pay off amt for XX/XX/XXXX. I spoke with XXXX one of the head supervisors. 

Today XX/XX/XXXX I contact pci again and have made a small payment since I last spoke with XXXX instead of my payoff amt going down it went up about 10.00. and they dont have a reason why and interest can not accumulate XXXX in 7 days unsless they were overcharging me interest This company is non transparent and shady. 

XXXX informed me my payoff balance was XXXX and after I made a XXXX payment my payoff balance should be close to XXXX. I am prepared to offer a XXXX settlement offer on my account on XX/XX/XXXX If they refuse or decline I will have no choice but to only pay the XXXX. pci is a shady predatory lender and I have had nothing but poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have written to XXXX XXXX SEVERAL times asking for VALIDATION of my debt and to get the original paperwork/contract. They continue to send letters that say that they have resolved my dispute. I did get a letter in XX/XX/2018 that says the account is closed, HOWEVER I feel that this account should be REMOVED from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX dollars was withdrawn from my checking account, this withdrawal was not done by me or my mother that is also on the account. I went to a bank branch that was closest to my residence to find out what was taking place. I was given a phone number to report the incident, which was done on XX/XX/XXXX and a temporary credit of {$700.00} was given to me and a investigation was started. On XX/XX/XXXX my claim was denied and the XXXX XXXX dollars was taken back out of my account. I did not receive any information on why it was denied, I called the fraud department which was not very helpful at all. I requested that the claim was reopened because there is a mistake, it was reopened on XX/XX/XXXX and got denied on XX/XX/XXXX. I have only received one letter in the mail stating the an ID was used from someone that is on the account and was not reported stolen. I have been going back and forth with Bank Of America for months and have not gotten anywhere! 
Claim # 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 monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My Mortgage company, Mr. Cooper, keeps adding junk fees to my account. Lately they have been labeling these fees as inspection fees. My mortgage is not behind, it has been paid timely and is usually a month or two ahead. I now have {$1100.00} in fees and no one at the mortgage company can explain to me, why these fees are being added to my account. I have written letters and sent emails, but I never get a response and the fees keep adding up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Reference ID : XXXX A check was issued in the amount of {$390.00}. I have not received the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I have been trying to get info on the PMI Ins on my loan with Dovenmuehle Morgage co, in XXXX XXXX, IL, Acct # XXXX, and they are either unwilling or unable to help. I have been paying 6 yrs on this loan, 5 of them with this company. I want to know what my loan balance needs to be to have it taken off and no one seems to know or know who in their company can tell me. This company has very poor customer service and are seldom, if ever, of much help. Seems to me that they make money off our loans, so should be there to help us when we need it. Who can I turn to, other than Dovenmuehle, for help about this matter? What other organizations oversee the Mortgage Industry? Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( property address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Dispute of payment for one month with XXXX XXXX XX/XX/XXXX. Amount of lease {$420.00} was withddrawn from my account XX/XX/XXXX and never credited. 
XXXX XXXX refused to acknowledge my claim and considered the account delinquent from XX/XX/XXXX to present day, XX/XX/XXXX. 
I attempted to resolve the issue numerous times to no avail. XXXX XXXX has ruined my credit and refuses to lease another vehicle to me based on the low credit score I now have due to their negative reporting to various credit agencies. 
Now XXXX XXXX is holding me hostage to buy the vehicle at a non negotiatable price.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: TN

Complaint narrative:
In XX/XX/XXXX, Experian started reporting that 4 of my student loans through U.S. Dept. of Education are being included in a Chapter XXXX bankruptcy on XX/XX/XXXX. I have no bankruptcy on XX/XX/XXXX, so how could these accounts be included in a bankruptcy on this date. When this information was put on my credit report, it caused my Fico score to drop 21 points. I want this inaccurate information delted from my credit 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 2018-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
ZENITH FINANCIAL NETWORK INC, ALSO ZFN AND ASSOCIATES ARE TRYING TO COLLECT FOR XXXX XXXX. ZFN CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have written to this company SEVERAL times and have asked for VALIDATION on this account. The company keeps sending me a BILL from XXXX, but they will NOT acknowledge that I am asking for original contract paperwork to ensure this is truly my debt. I want this account REMOVED from my credit file. They keep updating as the dispute is resolved and consumer isn't in agreement.

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 2018-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Immediate Credit Recovery
State: OH

Complaint narrative:
My parents told me to go to XXXX XXXX, even though I had heard about their fraudulent practices, they thought good idea for me to go there. I went, got an XXXX and in the end I was told I needed to redo a loan for one final credit, which was only about 2k and now all of a sudden I'm informed, after notice my federal tax returns are being taken from a federal credit collector, THERE'S NO WAY I OWE OVER 10K as now stated, I had paid off my XXXX XXXX credit loan. Hoping to get a way to be forgiven, since it's one of the most fraudulent circumstances I've ever seen or have had to deal with, especially with it being almost 10 years after I have actually graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Progressive Financial Services, Inc.
State: NJ

Complaint narrative:
To Whom it May Concern : This email is regarding a concern/complaint I would like to make in regards to the company Progressive Financial Services. I called the collection agency on XX/XX/18 to make a payment towards my student loan debt through XXXX XXXX University. The reference number provided is XXXX. I called the company initially to make a payment towards my debt and I was told that I had to make 2 payment installments. I asked if I could make a payment arrangement based on my income and I was told that I could only make the payments if I made a down payment. I was also told that my loan was collecting interest daily and monthly, I found this to be strange and thus I called XXXX XXXX university. I was informed by XXXX XXXX that the loan was only gaining interest monthly at a rate of 5 % and that the loan does not accumulate interest daily. I called Progressive financial services back and spoke with a lady names XXXX who was extremely rude because I did not want to provide my phone number. And stated in order for her to see if I qualify for monthly repayment she needed to ask me several questions. XXXX stated how can I answer these questions if I am not even willing to give my phone number. I asked XXXX about the FEEL program she stated that I might not qualify for this program and that the correspondence between the school and the collection agency could pose a delay. XXXX suggested to make a down payment of $ 300+ with monthly installment of $ XXXX. I told XXXX I could not afford this and if there were any options she said I could make payments online and with sarcasm she stated you must make 9 consecutive payments in order to qualify for the FEEL program. I felt ridiculed and as if I was bothering her with my questions. XXXX did not help me and stated she could not give me any additional information regarding the person who deals with the FEEL program. I would appreciate if someone could get back to me immediately through email or phone call to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: MA

Complaint narrative:
Dear Sir /Madam : This is Notice of a Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXXXXXX XXXX acct # for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that the account you credited my payment to may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), this Notice includes : Identification of the specific information being disputed I am enclosing both my payment for $ which you can see deducted from my account and my payment for $ both which were clearly deducted from my bank account, however xxxx is not reflected in my online payment statements. 

I have called XXXX XXXX several times trying to rectify this matter and only getting people giving me several different fax numbers to which I have set my bank account statements. I have also spent numerous days and hours on the phone with reps that have kept me on hold only to tell me the payment went to someone else in the household or another account. 

This is not possible. I am a single mom of a XXXX year old little girl and the only card I have from XXXX XXXX is the card ending in xxxx. If you look on the credit bureaus reflect on of payments they also show that XXXX has been paid. Yet my credit has been impacted to the sum of -30 points for an error that is not mine. 

I have made all of my payments on time for years and you can clearly see that in my account. The credit agencies also have the XX/XX/2018 payment checked off as paid yet are reporting a 30-60 day late payment. 

I am asking that this matter be resolved. 

Please feel free to contact me. 

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 2018-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I currently have two private loans with Navient. The first loan was taken in the amount of {$15000.00} and is now after interest {$28000.00}. The second loan I took was in the amount of {$12000.00} and is now {$22000.00}. My total loan balance has nearly doubled and now {$50000.00} and growing when my original loan balance was {$28000.00}. I have been on the payment reduction plan because the normal monthly payments they expect me to make are truly unrealistic and impossible for me based on my income. I have made my best attempt at making every payment in the payment reduction program however the balance continues to grow because those payments I am making are simply going to growing interest. At this rate I will never be able to pay off these loans and simply do not know what to do. I believe I was deceived by XXXX XXXX when I took these loans and had I known what I would be going through now I simply would have never taken private loans in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: GA

Complaint narrative:
I have done disputes and written letters to ask for VALIDATION original paperwork/contract. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a hard inquiry on my Equifax from XXXX on XX/XX/16. I was not asked permission for XXXX XXXX XXXX or XXXX to run a credit check on me, they also did not disclose that they were going to run the credit check to me. I was an existing customer with XXXX XXXX XXXX during this time seeking a discount. During my conversation with the retention department representative he recommended that I switch my TV to XXXX and keep my internet on XXXX XXXX XXXX to save more on my monthly bill. During this conversation I was told they needed my social security number for " security reasons ''. I remember specifically asking if they were going to run a credit check on me to which the representative replied " no, they won't ''. After I viewed the hard injury on my report I promptly called XXXX XXXX XXXX and XXXX to remove it. After several phone calls and confusion from the XXXX XXXX XXXX and XXXX staff they referred me to their legal team address to mail a physical letter. I then sent a detailed letter to their legal team address explaining what happened and politely asked them to remove it. Its been nearly two years since I sent the letter and I have not received a response or had the hard inquiry removed by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
Illinois collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX Has called my place of Employment. This company illegally contacted my employment. I never received a call on my personal phone or had any mail sent to my home. I never had a chance to dispute or had written notification of this debt. I have witnesses who received call at my employment and took messages, this is the only way I was able to get a phone number of XXXX and a name of XXXX XXXX. I called and verbally informed her to not call my employer again as I have been warned and fired for personal calls. asked this service agent to send verification of debt to thru postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc.
State: IN

Complaint narrative:
I was charged a interest rate of 39 % .. I do not believe my credit constituted such a high credit score.. I was sold XXXX insurance when I was already XXXX. The checks to the insurance companies were signed before the loan documents. I was not told it was voluntary because the checks had already been cut to the insurance companies and I was not even asked if I wanted yet.. I was told I had to give my consent to withdrawal payments from my account and later found out it is illegal to make that a condition of the loan. I believe XXXX XXXX violated the EOCA of XX/XX/1989 by charging me a int rest rate that was discriminatory. I am on XXXX for XXXX XXXX and I take m di cations to XXXX me. Including XXXX and XXXX medication. I could not keep up with the salesman who was rushing through the paper work.. So I'm not sure what I was signing.. I believe I was taken advantage of by XXXX XXXX Because of my deminished capacity to understand the seriousness of what I was tricked into signing..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have written several letters and done disputes to get VALIDATION and original paperwork/contract. This company refuses to provide this information and has simply said investigation is complete and resolved. I want this account removed from my credit file. They are reporting {$660.00} on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
They were harassment to call me many time. then I called them and who are you? they said XXXX XXXX XXXX for you. make me confuse happen. what I make payment to who or owe to who?? They wouldn't tell me nothing. I feel so funny think They are scam. 
so I would stop to call them. and They harassment call me many time make me tired and complaint. But I have a very good my credit and no problem. 
I give you it phone number : XXXX for XXXX My phone number : XXXX and my name is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.

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