vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: First Financial Credit, Inc
State: KY

Complaint narrative:
When I took out my loan last year I told them I did not want any insurance on the loan well months later when i looked at my papers i seen where i had all the insurances they offer and an auto insurance also i phoned office was told i did not have insurance on my loan i told them it was on my paperwork so they told me to bring it in ... .so i work over 40+hours out if town its hard to get time to go in so when i finally took a day off to go in today they had me sign a paper that says I wanted to drop life and disability and told me come back next week sometime they would have me a check ready then so when I left I took paper to my girlfriend she ask about auto club as it was not on the paper the paper was also dated for that day instead of being backdated to my loan date I have been given the run around for like 6 months now on this issue I talked to supervisor today told me that she was called about dropping insurance on a loan but that the office didn't say anything about dropping the auto which she found out hadn't been dropped at all so I inquired about other insurance like person property she told me I had to have that and I know by law I dont have to so she wouldnt drop the property insurance at all. So supervisor called me back said they were gon na send me check in the mail for the ones they dropped sometime next week. I dont know why this has been such a hassle and I have been lied to so many times

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
On or about XX/XX/2019, I changed my AutoPay settings online from payment in full to minimum payment only. Section 1 ( f ) of the terms and conditions ( attached hereto ) indicate that such changes are acceptable if made at least three business days before the payment date, which was  XX/XX/2019. 

Upon making such change, the next screen on the FNB website is substantially in the form attached hereto, which indicates explicitly that such " changes will take effect on the current billing cycle. '' On  or about XX/XX/2019, FNB Omaha attempted to make an unauthorized withdrawal of {$3900.00}. This was unauthorized because my instructions to FNB, and accepted by FNB, only authorized the minimum payment only to be deducted. I was then charged a {$29.00} NSF fee by my home bank due to this unauthorized withdrawal by FNB ( shown in the transaction attached hereto ). 

On XXXX XXXX  and XX/XX/2019, I reached out to FNB Omaha to notify them of the situation. I spoke to supervisor XXXX at or about XXXX on XX/XX/2019, who advised me of FNB 's deceptive practice of ignoring AutoPay changes for the current billing cycle. I told him about the Terms and Conditions to the contrary, as well as the explicit notification on the website that " changes will take effect on the current billing cycle, '' and XXXX confirmed that FNB 's practice was in fact the practice routinely used and what he advises to all of FNB 's other customers.

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 2019-04-19 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: Receivables Performance Management, LLC
State: AL

Complaint narrative:
Years ago, I had a XXXX account. For one reason or another, I closed the account. In XXXX, I received correspondence from a collection company - Receivables Performance Management - in regards to an outstanding balance of {$1500.00} ( ref # 309948372 ).  I told the representative that I acknowledged the debt, but that I believe that what I owed was half of that. We settled on {$800.00}, split into two payments of {$400.00}. 
I made the first payment on XX/XX/XXXX and the second payment was made on XX/XX/XXXX ( I have receipts of both transactions ). 
The derogatory remark was removed from my credit report after the last payment was made. 
In XXXX, it showed back up under a different company - XXXX XXXX. I reached out to them on XX/XX/XXXX in writing, asking for an explanation. I also disputed it via XXXX XXXX ( to no avail ). 
A year later, I am still dealing with this outstanding debt that has been paid over 3 years ago. I contacted XXXX ( account number XXXX ) today, via phone, and spoke with a lady who was so rushed that I couldn't even catch her name. I explained the issue. She told me that I could sent the receipts to her via scanned email. When I asked what the follow up protocol is, she told me that it could be 30-90 days before I hear anything in regards to the issue. I think this is absolutely ridiculous and I told the lady so. She, then, told me that they have to reach out to XXXX and wait to hear back from them. I am confused, as the account is no longer with XXXX. It did not even come to XXXX from XXXX. It came from XXXX. I told her that I was thoroughly disappointed in both XXXX and XXXX. XXXX, the account is delinquent due to my original negligence, but I resolve this situation ( or so I thought ) 3 years ago, and now I am being told that it could be another 90 days before I know whether it's been resolved, or not. And, if it isn't resolved, what are the next steps?!

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 2019-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Valentine and Kebartas, Inc.
State: CA

Complaint narrative:
Repeated phone calls before XXXX, even though they have my mailing address in California. the supervisor said I should change my number, I don't understand why i have to change my number for them to follow the Fair DEBT COLLECTION PRACTICE ACT

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 2019-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One credit card company received a payment electronically from my bank, XXXX, on XX/XX/XXXX, but did not post the payment. Called Capital One on XX/XX/XXXX, and supervisor made 3 way call to XXXX to verify that payment was made. 
Capital One gave me a credit on XX/XX/XXXX statement, then reverse the credit on following month statement. Made numerous calls to Capital One on XXXX and XXXX, and it was promised that they will fix the problem, but has not done so. Now I received a letter from Capital One that I need to contact my bank for unauthorized transaction. I made all my payments to Capital One through electronic withdrawal. 
Please help me to resolve this issue. I want my money back. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
This is the third CFPB complaint I have had to file against this company, all for the same reason, I will not stop contacting me. 

My first complaint was filed after I sent them a debt validation letter in response to their collection letter dated XX/XX/XXXX. They did not respond to that complaint at all. They later claimed they didn't receive it but I sent the letter certified mail and have the signed postcard. 

The second complaint was filed because they continued to call me multiple times per day after they received my DV letter and after I filed the original CFPB complaint. 

In response to these two complaints, they told the CFPB that they would send me validation documents. These were never sent. 

I contacted XXXX XXXX by email ( XXXX ) on XX/XX/XXXX regarding their dishonesty in their response to the CFPB complaints and again requested that the debt be validated. She replied that same day saying they would check with the creditor and verify the balance amount. I responded saying that that was not what I asked for and that I expect them to verify the debt as they are required to do so and as they told the CFPB they would. I also pasted the text of the DV letter I sent them on XX/XX/XXXX. I received no further response and never received any documents from them. I followed up on XX/XX/XXXX by email and did not receive a response then either. 

Today I received another collection letter in the mail from them regarding the same supposed debt. This violates the FDCPA because they have continued contacting me without first supplying me with verification of the debt.

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 2019-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: CA

Complaint narrative:
My loans are currently serviced by FedLoan as part of my enrollment in the Public Service Loan Forgiveness Program. I have asked for an accurate count of qualifying payments and it has been about a year without a response ( in their records I asked for count in XX/XX/XXXX, but I asked for manual recount in fall XX/XX/XXXX AND XX/XX/XXXX ). The current count listed in my account on the Fedloan website is incorrect. The National Student Loan Data System does seem to have an accurate count ( per my records ). I would like an accurate count per Fedloan so that I know how many qualifying payments are remaining before my loans are forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a letter ( dtd XX/XX/19 ) from Best Buy Credit Services stating that they were unable to process my application for a Best Buy Visa Platinum because there is a security freeze on my credit report. I never submitted an application for a Best Buy Visa. 
When I called the Manager, credit Review at XXXX and spoke to " XXXX '' I was told that the application included my social security number and date of birth. I asked how Best Buy obtained this sensitive information. XXXX told me the credit card application took place at the cash register when I made a purchase on XX/XX/19 at Best Buy store # XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. XXXX recommended I speak to the manager at that store. 
I went back to the store and spoke to " XXXX '', the acting general manager. She printed eleven pages of the " ejournal '' for my transaction on XX/XX/19 showing the transaction line by line. There was not sensitive information in the ejournal. She said she would look at the security tape for that day and call me back.

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 2019-04-19 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:
I have submitted written disputes to Experian in reference a inaccuracy of reported Child Support account. In my dispute, I asked for the agency to validate debt by providing me the written contract between me and the Child Support Agency that reported the inaccuracy. The only response I have received was the online dispute results that reportedly " Updated '' that the debt still exist.

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 2019-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COAST PROFESSIONAL, INC.
State: PA

Complaint narrative:
Received letter from US Department of Treasury Fiscal Services today XX/XX/19 that my refund was applied to a debt to US Department of Education ( XXXX ) XXXX. I called the Department of Education and spoke to 2 agents and both stated that the agency did not withold my refund. I called the US Department of Treasury Fiscal Services and the number was an automated line ( XXXX ) XXXX and it stated to call ( XXXX ) XXXX Coast Professional Inc. in regards to the money. I called and spoke to an agent named XXXX who was very rude and spoke in a harsh tone to me and told me that she could not tell me anything about the reason why my money was taken and told me to call ( XXXX ) XXXX. Then hangs up on me. I called the number but the female agent that answered told me that it was the wrong department and for me to call Coast Professional Inc. I told her I just got off the phone with them and spoke to a XXXX and was told by her to call this number. I then asked for the Supervisor and he came on, named XXXX and he said he couldn't tell me anything about why my money from my tax refund was withheld. Then I hung up and now I am filing this complaint. They took {$7600.00} and are refusing to tell me why. In addition, the letter from the Fiscal Services states, " Before sending a debt to Fiscal Service, an agency must send notice to you. '' My husband and I never received a notice from Coast Professional Inc. about any debt nor about our tax refund getting garnished prior to the letter received today XX/XX/19. This should not be allowed and this is theft.

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 2019-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MI

Complaint narrative:
On XX/XX/2019 I sent a certified letter to Waypoint Resource Group, RE : Account XXXX. The letter was received on XX/XX/2019. The letter was requesting that they validate the said debt that they are alleging to be mine am attempting to collect from. I specifically asked for signed documents, I asked for an agreement that I am obligated to pay them, and any supporting documents. They have failed to adhere to my request. They have not corresponded, they have not cease collection activities on my credit reports. They have done nothing as the date is now XX/XX/2019. I ask requesting that they remove and delete all negative activities from my credit report as they have failed to adhere to the certified letter I sent that was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: CA

Complaint narrative:
On XX/XX/XXXX Transunion responded to Federal CFPB that XXXX XXXX XXXX # XXXX derogatory remarks of XXXX was deleted from my credit report and Transunion and XXXX XXXX XXXX XXXX falsify to Federal Government that XXXX, XXXX that I had late payments. 
According to my XXXX XXXX checking account ending # XXXX evidence it shows that all my timely payments was called to XXXX XXXX before due date of each month on the XXXX. 
This is a Retaliation and Discrimination of Transunion, XXXX, XXXX   and XXXX XXXX XXXX administration for preventing me from obtaining a VA Loan and destroying my credit and scores. 
A Federal Discrimination and Retaliation was filed against XXXX, Transunion, XXXX and XXXX  with ADA Disability Civil Rights Act under the Department of Justice file case # XXXX. 
I am respectfully requesting a Federal Investigations against XXXX, XXXXn, Transunion and XXXX immediately. 
I am going to give my Privacy Release Consent to US Senator XXXX XXXX on my Federal Complaints and issues of Discrimination and Retaliation of my XXXX XXXX as XXXX XXXX American.. 
I am respectfully XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 
This is a Urgent Matters!

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 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
When looking on my credit I noticed that SYNCB/Synchrony MC decreased my limit by {$3500.00}. This dropped my credit by 33 points. It states that this credit limits as of XX/XX/2019 was XXXX and then as of XX/XX/2019 it was XXXX. I contacted the credit company and they stated that did not do anything to my account and it actually was due for an increase limit if I wanted. I am in the process of buying a house and this is detrimental to my loan. Please fix immediately.

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 2019-04-19 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: IL

Complaint narrative:
I have told Equifax that they have an incorrect address on my credit report more than once and they do not remove it. I had open cases that never get taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: N.A.R., Inc.
State: UT

Complaint narrative:
XX/XX/2019 - I noticed a supposed medical debt on my credit report. I called to ask for validation of the debt and inquired about a payment to delete. They lied about the FCRA and used abusive and obscene language. 

XXXX XXXX Collector XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Collection Department Superviso

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Good morning, Positive this is review is without bias and or inclusion, I would like an explanation why my voluntary child support and my child support is not being considered. My son turns XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 
Attached you will find a copy of my sons state ID. I have submitted my concerns to the CFPB, just to make sure I receive that your policy is inclusive and there are no bias based on protected class. You repeated the payments must continue for three years, but confirmed the income would not be considered bc he will be XXXX in less than 3 years. Not to mention, his father confirmed he resides in the property and will continue to the household beyond the threshold quoted. 
36 months o There are 36 months from XX/XX/XXXX to XX/XX/XXXX According to the mortgee document below it states : https : //www.fha.com/fha_article? id=883 How are  voluntary payment arrangements for alimony or child support documented? 

The Mortgagee must document the voluntary payment agreement with 12 months of canceled checks, deposit slips, or tax returns. The Mortgagee must provide evidence that the claimed income will continue for at least three years. The Mortgagee may use the front and pertinent pages of the divorce decree/settlement agreement and/or court order showing the financial details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I paid professional debt mediation a settlement for what I owed to XXXX XXXX XXXX IN XXXX WASHINGTON. It was settled as of XX/XX/2019. I recently have been trying to apply for a home but been getting denied because in the civil judgment portion of what is being pulled it still shows I have a balance which I dont. The court ( XXXX superior court ) says they need proof from the credit collection company certified proof thats its paid but the debt collection agency said they can not send that to the court to have this removed off of my file. I have never had this issue before. I am trying to fix my credit so that me and my son can move into a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19 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: FL

Complaint narrative:
THE NEGATIVE ITEMS DISPUTED DOES NOT BELONG TO ME. THOSE NEGATIVE ITEMS HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THOSE DEROGATORY ITEMS OFF MY CREDIT FILE.

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