vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valley Credit Service, Inc. (OR)
State: CA

Complaint narrative:
On XX/XX/XXXX I received a notice of garnishment in the mail. Until that time I had been unaware of the debt, a {$500.00} line of credit I had opened in XX/XX/XXXX at Oregon XXXX XXXX XXXX when I was living in Oregon 14 years ago. I had completely forgotten about it, and I never received any notices for any hearings or judgments. Upon receiving the notice of garnishment for the total amount of {$1600.00}, I contacted [ collections agency ] and worked out a payment plan of $ [ XXXX ] a month, to be withdrawn by [ collections agency ] on a monthly basis out of my bank account. I checked at the end of the month to make sure the payment had gone through successfully, and it had. On XXXX XXXX, XXXX I received notice from my bank that [ collections agency ] had withdrawn the entirety of the money in the account, totaling $ [ XXXX ]. When I called [ collections aghency ] to inquire about this, the representatives confirmed that they had received the XX/XX/XXXX payment but said they had not withdrawn any subsequent monthly payments due to a mistake in their records, and upon realizing their mistake, they withdrew all of the money in the account instead of just the missed interim payments. Though they acknowledged that it was an error on their end, they told me I should have known of the error and found another way to pay them somehow, and then they demanded I pay the remainder of the total amount of the debt immediately. Throughout our interaction, the representatives were extremely verbally abusive. They told me I was cheating the credit union and said multiple times that I was irresponsible, even though I had willingly set up a payment plan as soon as I became aware of the debt and then made sure there was enough money in the payment account for my monthly payments. I informed them that I am not able to pay the total amount and asked if we could work out a settlement or a new payment plan with the terms in writing this time. In response, the representative demanded my paystubs, home information, and other personal information and would not tell me why they needed it. They said it was their standard practice and they would not work with me until I gave them this information, which I did not feel comfortable doing. I know there is a garnishment order and I want to do the right thing, but I can not afford to pay the full amount ( especially after they emptied my account ), and I am not sure what else to do at this point

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13 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: WA

Complaint narrative:
I track my credit via XXXX. In XX/XX/XXXX, I noticed there was a hard credit pull added to my Equifax report from a company called XXXX - it appears to be an online clothing store, under the umbrella of XXXX XXXX, based on XXXX, Wisconsin. I am not a customer of this company. The pull is dated XX/XX/XXXX. I called XXXX to ask why they pulled my credit without my consent, they said they have no record of doing so, and were unable to clear it from their end. They said to file a dispute with Equifax to request the removal. I filed the report with Equifax, they closed my request, sent me a letter outlining why a third party could access my credit, none of which was applicable to my case, as I did not request to do business with the company in question. I filed a second dispute, which was closed without comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX an underwriter for the XXXX XXXX XXXX XXXX XXXX, on behalf of our Client XXXX XXXX on his foreclosure case and in addition helping him to obtain a Tier 2 modification of mortgage since XX/XX/XXXX. We had provided a total of five complete loss mitigation packages to this terrible servicer. The first package was fax on XX/XX/XXXX, second XX/XX/XXXX, third, XX/XX/XXXX, fourth, XX/XX/XXXX and Fifth XX/XX/XXXX. Ditech listed as one of the most deceitful servicer in the Country not once has send a correspondence to this office. On XX/XX/XXXX I called Ditech and talked to a Customer Relations Manager XXXX Id # XXXX, hope he exits and he advised me that nothing has been look in these two years by Ditech. As a ex-underwriter for XXXX, I told XXXX that Ditech had violated RESPA 1024.41, since I presented this file before XX/XX/XXXX, they had violated this law. He advised me that a letter went out to the customer on XX/XX/XXXX informing XXXX XXXX he did not qualified for any loss mitigation option. My answer to XXXX was you generate those letter anytime you want and send them to the customers, without reviewing any files been sent for loss mitigation review, but your institution to bill the Treasury. XXXX XXXX who confirm also he had worked in the pass for XXXX, agreed with my statements. Servicer do generate letters at any time to cover themselves, they brake the law all the time, they lie, and they mislead the government and Americans. This is a XXXX XXXX Loan they should do better than this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: NC

Complaint narrative:
I received a letter from Capital Accounts requesting I pay {$900.00} to them covering a debt to XXXX XXXX XXXX. I stated that I needed a detailed statement in order to reconcile the details with my insurance companies and then attmept to pay the true debt. The letter stated that I should request in writing within 30 days to have the details. I then spoke to XXXX XXXX with Capital Accounts and he stated he 'd have me the details in 15 days. In 30 days I got a letter than it was being sent to credit reporting. I called XXXX XXXX and he said he could n't get the details from XXXX XXXX XXXX yet and I told him that I needed that prior so I 'd get it from XXXX XXXX and get back with him. The problem is that XXXX XXXX decided there were some charges that were incorrect and they resolved the data issue and was supposed to resubmit to Capital Accounts on XXXX XXXX 2017. I checked XXXX XXXX today and I 've lost XXXX points from this unfortunate horrible communication problem. XXXX XXXX XXXX claims they sent me 5 letters however I never got their letters, just Capital Accounts, the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have XXXX XXXX XXXX credit account, managed through Synchrony Bank. I bank constantly adds late charges to my account where there are none due. This first time this happened is XX/XX/XXXX ( please refer to statements from XX/XX/XXXXto XX/XX/XXXX ). I constantly receive collection calls and when I attempt to respond and resolve the issue I am met with incompetent customer service people who English is not good and will not investigate the issue. I have to take my time to research and the issue. Since this is an error on their end they should provide the proof the my account is late or past due. These is by design on Synchrony part to harass customer they feel do not understand credit because one chooses to do business them. This equates to Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-13 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: FL

Complaint narrative:
I spoke with XXXX XXXX XXXX whom is a collection agency for XXXX XXXX XXXX XXXX XXXX. I paid the balance in full. The representative advised me once paid in full XXXX XXXX XXXX and XXXX XXXX will remove the account from my credit report. XXXX XXXX XXXX refuses to update my balance to XXXX dollars owed on all 3 major credit bureaus or delete the account as promised. This is having a negative impact on 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 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Data Corporation
State: CA

Complaint narrative:
Subject : Dispute with XXXX XXXX XXXX on XX/XX/XXXX for XXXX water heater which is under 9 years warranty with 4 years in use Dear CFPB Agent : I would like to file a complaint against XXXX XXXX XXXX ( XXXX ) for not fixing my water heater correctly. On XX/XX/XXXX ( XXXX. ), I requested a service repair from XXXX to repair my XXXX water heater ( under 9 years warranty ) for no hot water. After 6 days, the XXXX service technician came to my house for the repair service on XX/XX/XXXX ( Wed, ). The service technician replaced a PC board. The water heater seemed to be working. The pilot light was on and the flame was on. I gave him {$180.00} by check ( Check # XXXX ) in full for the repair service. In the evening, we found out that we had no hot water again. I called XXXX again on the next day XX/XX/XXXX ( Thurs ) to fix the problem immediately because we had no hot water to use for a week already. We had paid the money on XX/XX/XXXX and the problem should have been fixed on the day the check made out. XXXX refused to come back. They rescheduled me on XX/XX/XXXX ( another 9 days ) and then XX/XX/XXXX ( another 5 days ). We could not have not hot water to take shower for two weeks. I told them to give me the full credit if XXXX could not fix the problem on XX/XX/XXXX so that I can buy a new water heater instead. XXXX put me in the circle to make several phone calls around without solving the problems. Therefore, I went to stopped the check payment to XXXX immediately and then replace the new heater heater immediately. I have been calling XXXX since then in an attempt to solve the issue. They are still putting me around the telephone circle without solving the problem. Now, XXXX had put me in the collection agent for collecting {$180.00} without fixing the water heater problem. I am now writing this letter requesting CFPB to help resolve this issue for me. Your time and effort will be greatly appreciated. I can be reached at XXXX XXXX ( H ) or XXXX XXXX ( C ). Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On X/XX/2017 I called NFCU to let them know I wanted to dispute a charge from a company that I just had repaired work done to. NFCU, stated that it would take up to 10 business days to receive a provisional credit. NFCU has been negligent in responding to my claim and has failed to contact me regarding any steps in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Delta Skymiles sent me offer of a gold AMEX card, offering {$50.00} credit for qualifying Delta purchase and XXXX  bonus miles providing I spent a certain amount in a certain time frame. Both offer obligations were met by me and American Express customer service agents as well as the manager have confirmed this to be the case and agree 100 % that I SHOULD get the {$50.00} credit and the XXXX bonus miles. I called on XXXX XXXX, 2017 and spoke with XXXX, she confirmed I should get the miles and $ credit within 7 business days. Case was opened, case # XXXX. Nothing received, so I called on XXXX XXXX, 2017 and spoke to someone else, they said case was resolved on XXXX/XXXX/17 and they should be fulfilled ( miles & dollars ) by XXXX XXXX, 2017. I checked on XXXX XXXX, 2017 and nothing, so I called again and insisted on speaking with the manager. After 30 mins of waiting on the phone, I spoke with the so called manager, XXXX, and she said there were " technical difficulties '' in fulfilling everyone 's bonus miles and dollars, said it had something to do with XXXX XXXX and delta airlines, said it should be resolved in a week. A week has gone by, and it 's XXXX XXXX, 2017 today and just called and spoke with XXXX. Same old, same old ... .yes, I have met my obligations, but there is still problems fulfilling what was promised to me. REALLY American Express Delta Skymiles???????????????????????? I have never thought that American Express was this sort of a company where promises are made and then they hoped I would just go away. Next time, keep your offers to yourself and I can assure you I will TEAR UP EVERY SINGLE OFFER THAT COMES MY WAY. Lost ALL faith in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I arrived at TD Bank on X/XX/2017 at around XXXX XXXX I asked to make a transfer of funds to my account in XXXX. XXXX the banker told me she will not help me since I am XXXX and a XXXX XXXX I will not help you. She told me that she also hates the State of XXXX, and all XXXX should be put into a XXXX XXXX or an XXXX. She told me we need to make a finale solution to all the XXXX.
I mentioned this to her manager that she was not willing to do a transaction for me since I was XXXX XXXX started laughing at me. I almost wanted to cry that this is how I 've been treated as a TD customer. I filled many compliments already with the CFPB and the CFPB has ignored the fact that as a XXXX I have been discriminated against on the basis of my religion ( XXXX ) and national Origin ( XXXX ).
All I asked was to do a transfer of funds from my account in the US to XXXX and they would not allow me to do the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I was browsing the internet and came across a company ZocaLoans and was in a financial burden I took out a small loan for XXXX $ and the company mislead me the interest rates were very high which was not stated initially and the payments dates were twice a month cause me to be in more of a financial strain. Right now my balance is XXXX  which is outrageous can you please help me resolve this problem this loan was given to me 75 days ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I heard about the new bitcoins increasing value and that it is a good investment specially if I do n't have a big investment budget, so I decided to try it and start my account with coinbase.com and made XXXX purchases. The first purchase was on XXXX XXXX, XXXX XXXX XXXX XXXX for {$910.00} USD ) and it was available in my virtual wallet on XXXX XXXX XXXX. The second purchase was on XXXX XXXX, XXXX XXXX XXXX XXXX for {$300.00} USD ) and it was available in my wallet on XXXX XXXX XXXX. My account has been XXXX for no obvious reason over the last XXXX weeks and there is no available customer service phone number to contact and they only provided an email and asked me to send them a photo ID and address proof in order to enable my account back. I did send them an email then they send an automated email back saying they do n't receive any requests or complaint on this email anymore and gave me a link to submit a complaint which was very unspecific and did not even give the option to upload the documents they asked for before. I submitted the complaint and they send they will reply to my complaint in few days and it has been more than 10 days and got not no reply. there is another weird thing that happened. when I started my account I submitted my business checking account to do the purchases through it, but the money were strangely withdrawn from my wife bank account. I thought that I XXXX have done something wrong even though I do n't have my wife checking account information on me. I did not really pay attention to this accident specially that they do n't have a clear customer service to contact to address this issue. right now the value of the bitcoin is over XXXX USD, when I made the purchases it was an average of XXXX USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery has been reporting derogatory information on my credit reports. I 've made attempts on XXXX/XXXX/17 and X/XX/17 to rectify my concern by sending a certified letter disputing this account. Portfolio Recovery stated on a letter that they have reviewed documents related to the account which establish its validity as mine. This is ludicrous .... First of all I 've never ever lived in XXXX, Arizona. Secondly a billing statement does not prove the validity of a falsely account as mine. This derogatory information is a false statement on my account and is affecting my credit history, worthiness, and ability for future credit establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: FL

Complaint narrative:
I spoke with XXXX XXXX XXXX whom is a collection agency for XXXX XXXX XXXX XXXX XXXX. I paid the balance in full. The representative advised me once paid in full XXXX XXXX XXXX and XXXX XXXX will remove the account from my credit report. XXXX XXXX XXXX refuses to update my balance to XXXX dollars owed on all 3 major credit bureaus or delete the account as promised. This is having a negative impact on 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 non-monetary relief
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
Lyone, Doughty, and Veldhuis LLP sent me through the XXXX  County Court System a notice that I am being sued by them. Inside the notice they did not send enough information to verify the debt such as : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that Selip and Stylianous, LLP. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Attached you will find what they sent me which is clearly not any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
on XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX. I was disputing the account with XXXX XXXX/ XXXX. The account was closed and sent to the collection agency XXXX XXXX. I sent XXXX XXXX a payment in full for this account back on XX/XX/XXXX. I sent Equifax proof from XXXX XXXX stating this account was in fact paid in full along with a letter that was mailed. I also disputed a charged off account with the XXXX XXXX XXXX that should never been listed a charged off that account was also paid in full. however it is still being reported incorrectly. I have sent them proof that this account was in fact paid I full. I have not received any corresponding information from Equifax since sending these items to them in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had a {$5000.00} line of credit with Santander Bank. I never used it and canceled the credit line long ago. Santander continues to bill me for fees, for interest on the fees, and other charges that I do not owe. I reported this to their fraud department three weeks ago. The fraud department said they would close the line of credit. They never did and I get dunning letters and calls almost every day. I have explained the situation about a dozen times, and each person says they will take care of it, and they never do.

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