vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I went online to start paying weekly payments to Portfolio Recovery here recently. I made one payment online at their website, and I disputed with the XXXX credit reporting companies to let them know that I was beginning to make payments to all my debt accounts listed on my credit reports. Well, apparently Portfolio Recovery is rhinking that I am disputing the debt. I am not. But, now, I can not log back in to their online payment website with my information, so therefore I am going to miss the next payment which THEY are now telling me is XX/XX/2017. Why ca n't I log in now and pay before this date? I do n't understand why they are giving me a certain date when I told them I will make weekly payments instead of monthly. I guess they did n't like my offer to pay the XXXX dollars back, which was my total XXXX credit limit. That 's fine their offer was a settle amount of {$440.00} or something like that. But, they have a total on the account of {$610.00}. I have made a {$10.00} weekly payment already and I have not received any positive reaction from Portfolio Recovery, and I since then have n't been able to log in their payment website with my information and make another payment since. Also, they have n't reported any payment from me to any of the XXXX credit bureaus. Maybe I should have reported a claim in that class action suit when I received that post card about them being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Ceannate
State: NY

Complaint narrative:
I received information from the united states department of education, during these conversation through the phone and mail, I was informed to contact a company called fms and this company would set up a payment plan that would report that my loans are being serviced by them I currently have XXXX of them XXXX are from XXXX XXXX college, the other XXXX are from XXXX XXXX college, in a review of my credit report on which these accounts are listed four times separately there is no mention of my paying these debts monthly as agreed at this time i am asking that this information be furnished to the XXXX credit reporting agencies, stating a positive reference that i have currently making payments and they are timely, I also am asking that my wages that were garnished become part of the resolution as well as my federal offset, I am enclosing copies of the payments made, to fms rehabiliation program under the united states department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
AmEx had an offer of 0 % on new purchases for approximately a year. During that year the annual fee of {$75.00} was charged. Despite more than minimum payments made on the account, which covered the annual fee, AmEx assessed interest on the annual fee prior to the 0 % offer expiration. The justification is that the 0 % APR applies to purchases only, not fees, but they used the outstanding purchases balance as the basis for applying interest on the annual fee. This is incredibly deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Even though I 've asked them to take me off their no call list they still continue to call my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
To whom it may concern, As far as I am concerned, I do not owe any money to American Express. I paid the balance in full and asked the customer care representative to cancel the credit card. However, it looks like the representative did not cancel the account properly. When I started getting the statement from American Express I called numerous times, but they are picking up the phone call from different foreign countries. Because of their poor communication skills, they have not cancelled my account properly. Now American Express claims that I owe {$260.00} of which {$250.00} is a late fee. I do not owe this because they did not cancel my account properly. Please take necessary action and cancel my account. In the mean time we are informing this to different government agencies including CFPB, BBB, Attorney General 's Office, FTC, etc. and to the public through social media. 
Please cancel the American Express credit card account properly and waive all the charges properly and immediately. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. Midland Fund has been notified via multiple attempts to clear this collection from my credit reports. Midland Fund continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
I filed a complaint 4-5 yrs ago with FTC re ; Midland Credit Management LLC They had purchased some of my old debt after we had a financial hardship. Midland Credit Management kept doubling and tripling the amounts owed, so I complained. Maybe a year or so after my FTC complaint Midland Credit Management sent me letters for each account and was told they were being removed from my credit reports, and they were. I have not herd from then since, more than 3yrs. Now XX/XX/2017 I start receiving notices from them for XXXX credit cards, ( XXXX & XXXX ) XXXX is a XXXX/paid the other is very high and not a correct amount, I know it is less. I tried making a arrangement with them but it was n't good enough. I explained that I am on XXXX and I do n't earn much from that but I be willing to make small payments each month plus I wanted the amount owed looked into. They were trying to get me to agree to a 'temporary ' payment plan every 90 days, I was like why? My offer amount was n't good enough to put on a Payment Plan I was told. They also wanted my banking info before they could send me a letter confirming the arrangement, which I said NO. This company is just one horror story after another and I will not try working with them again. I have made slow but steady progress in making good on old debt and the agencies I 've dealt with have been very good. But Midland Credit Management is terrible. They twist there words around while you speak to them and at times I had to ask them to repeat themselves because they are hard to understand, plus its not even the United States I 'm connected too ... what 's up with that? Three different people, three different countries I 'm speaking too. My old complaint was how they took a bill for XXXX and turned it into a bill for XXXX in the course of 3 months ... only to be told by a rep, well we just received it and be thankful we can make an offer for at least XXXX ... .seriously? Again I do n't have a problem making good on my debt, even on XXXX I 'm trying, but I will not allow Midland Credit Management to rake me over the coals. I will never give them my banking info, how can thousands of complaints against them be wrong? Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted XXXX and CITI bank who confirmed that first date of default on these accounts were XX/XX/XXXX ... XXXX sold this charged off account to XXXX and Citi bank sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..

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 2017-01-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Eagle Recovery Associates, Inc.
State: IL

Complaint narrative:
Eagle recovery has continuously called me but not once sent me anything via mail to make payments on my medical bill that is in collections with them until they wanted the full amount. Now they want an outrageous monthly balance even though I try and work with them. Claiming it will be too long to pay off if I give them a smaller monthly balance. I thought that 's what we were talking about in the first place, and what I was giving them was reasonable for what I can afford on a single persons budget with everything else I have to pay. They are n't the only bill.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My complaint is w Citi-mortgage, they are reporting me as a derog, on all XXXX of my credit reports. ( XXXX, XXXX, XXXX ). I filed a Chapter XXXX, and was discharged XX/XX/2011. They are reporting a credit history, Acct # ending in XXXX. I am trying to buy another home and this reporting is not allowing my fresh start. I have paid the price for my bankruptcy. This needs to be deleted as its not reporting correctly. They also sold my loan. I have no contract w them. I have already been denied credit, this is now slander with damages. I have already suffered damages from them.They can not report a history or what payments were. They could only report included in bk and was discharged nothing more. Therefore its in-accurate demand a deletion immediately. I demand a corrected report be sent to me with the updates. My reporting appears as a foreclosure. I am still paying on my home but with a different mortgage company and I 've never been 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
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
FedLoanServicing emailed me on XX/XX/XXXX that they were processing my application. On XX/XX/XXXX they left me an electronic message on their website that I was not eligible and to furnish requested information to reapply. I uploaded the requested information to their file via PDF format 2 business days ago and have not received any email at all confirming that they are processing the PDF file. So in other words, information requested was uploaded onto my account electronically and no message whatsoever that it was being looked at or responded to. I mailed a completed application today just to cover all bases but I am very concerned that FedLoanServicing is becoming grossly incompetent without any way to contact for any sort of a timely response. I have been with FedLoanServicing since XX/XX/XXXX, and they have never been so late with response. Prior to XX/XX/XXXX, FedLoanServicing service was fast, competent and complete. I am very concerned, and I have no way of knowing if or when my application or my information is being read or considered. There is no accountability, and the turn around response rate was never close to being this late. There is no one to call and ask, just random service reps who politely answer calls, assist as they can and patiently explain details. The customer service reps are the only line of communication until a written electronic response is finally made. It never took so long to receive a response to application from the processing dept. as it does now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: ID

Complaint narrative:
I was solicited to apply for student loan forgiveness from a company called Fed Loans in XX/XX/XXXX. They told me that because I worked for a non-profit organization ( XXXX ), that I qualified for loan forgiveness after a 10 year period. I filled out the application over the phone and faxed all of their required documents, including tax forms and proof of income, as well as my employer 's tax identification number. I was required to reapply every year, and did so diligently and on time. After my attempt at renewal for XX/XX/XXXX, they came back to me with a denial letter. I still worked for the same company and had not even received a raise during my time with that employer. When I asked them why I did n't qualify, they told me that when I first applied, the person who took my application entered incorrect information and it disqualified me. I tried to explain that this did n't make sense because I qualified fine the following year, but they refused to listen to me. I had made several calls and attempts to requalify, to no avail. When I was forced to begin payments once again on my loans, the interest was higher than my previous ( XXXX ) service and I had 2 years of additional interest and payments added onto my loan ( because I had n't paid during the time I was " qualified '' for the loan forgiveness ). I feel deceived and angry. 
*I was a University XXXX student

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I attempted to call and resolve and open balance I have with XXXX. I was trying to clarify exactly what I was being billed for as I had satisfied my out of pocket debt on this already. The hospital re-routed me to Central Financial Control to a Debt Collector named XXXX, ID # XXXX. 

I was confused as to why account was in collections in the first place. I asked him for clarification of what this bill was and told me it was for a hospital visit under Physican ( left blank for privacy ). This made no sense to me as this physician does not work at this hospital and is in fact my doctor at a completely different private practice called ( left blank for privacy ). 

I asked for a detailed summary of the charges and the collector said he would send me to me. All was fine here until he decided to tell me that he would be reporting this on my credit history. I asked why he was threatening me before providing the requisite details and he then proceeded to tell me that If I did not satisfy my debt that my credit would be affected. 

I simply wanted full disclosure and clarification on my debt before paying as I believe it is not correct. I feel his tactic was a veiled threat and that was acting outside of the parameters of his job. Because he provided incorrect information on doctors and visit dates, along with threatening my credit, I feel he attempted to force me into payment without following proper procedure. 

To be clear, I pay my debts. In this case I feel there is a mistake and do not appreciate threats from debt collectors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX accounts from XXXX and XXXX are fraud accounts, located under my name, i have received both letter from XXXX and XXXX that they have given permission to XXXX major credit bureaus to remove them, all have removed except experian which are very stubborn and are not willing to do so, each time they say they have not been verified as fraud. no matter what the letter are stating. 
please help me to remove these fraud accounts.

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 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
It has been 30 days since Experian received my dispute regarding XXXX. They are unable to verify the accuracy of the account, yet they refuse to delete it. In truth they have had 6 months to investigate.

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 2017-03-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I live in an area affected by XXXX in XX/XX/XXXX. Although my own home thankfully suffered only minor damage as a result of the storm, our entire region experienced hardship for weeks and months afterwards, including roads blocked in many places by fallen trees, power outages, lost work and business, gasoline shortages, cancelled school and school buses, and more. As you can imagine, this had significant effects on my personal finances at the time. Due to a combination of personal hardships we were already delinquent on this and other accounts at the time, and we now struggled even more with our credit card payments. 

( It took us several months to get back on our feet but when Bank of America offered a settlement in the XX/XX/XXXX we stretched ourselves and neglected other bills to make the sizeable installment payments and close out this debt. ) Bank of America reached out to us shortly after XXXX offering special payment accommodations and fee waivers for customers in affected areas for several months ; however, Bank of America is now reporting delinquencies to the credit bureaus for the months after XXXX. 

In addition, the total balance that Bank of America is reporting for this account includes late fees and other charges that were improperly assessed in the period following 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 2017-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Morning, I am in need of your assistance. I have been trying to get a loan modification from CitiMortgage since XX/XX/XXXX, due to the fact of my sister being laid off. During that time I was scammed from a company called XXXX, from XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX. I was hands on with what the bank was requesting and provided XXXX with all documents. I would frequently check online to make sure the bank received all documents, which they did. 

In XX/XX/XXXX/XX/XX/XXXX, I received a court order to attend a preliminary conference, at which time XXXX backed off, this is when I realized I was being scammed. At this time I had to hire an attorney, to take over and accompany me to court. From XX/XX/XXXX/XX/XX/XXXX-present I have not received a determination. I have been getting the run around from the bank ( CitiMortgage ). They email me as well as my attorney requesting the same documents over and over. In which I provide them with every time. I also contact the bank constantly to find out the status of my file at which time is when they advise me, every time, that it is in underwriting, this has been going on for years. Ever-so-often they change the person handling my file, which in turn causes the entire process to start over again, Requesting an entire packet as when I first started the application in XX/XX/XXXX. 

At time my sister has gained employment and we are more than capable to pay our mortgage, at a lower rate. I am contacting you for your assistance, as this has been going on since XX/XX/XXXX. And I have been getting the run around. I have lost sleep, this has been a major strain on my family/marriage. It has affected my health, because I do not know if one day I will receive a letter advising me that I will lose my home. 

Thank you, 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 2017-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I believe I was wronged by Navient in several ways. Number one occurred in 2014 when I was not adequately informed of my obligation to re-certify my income status. They did not make any effort to ensure that I completed it in time, and, as a result, {$6500.00} in interest capitalized and was rolled into my subsequent income-based repayment status. They did not adequately inform me ( 1 ) of my obligation to re-certify my income status by the deadline they provided and ( 2 ) of the repercussions of not doing so ( that my interest would capitalize and payment would skyrocket ). 

At the time, I was told that there was nothing I could do about this. However, after seeing your lawsuit, I realized that I was wronged and misled. Thank you for your help in bringing this issue to light.

Company response to consumer: Closed with explanation