vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Central Credit, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX I had filed a previous complaint against XXXX XXXX XXXX complaint # XXXX I called them today @ XXXX and asked for a XXXX XXXX Desk XXXX l2nd letter received from them when I asked to validate the debt. 
When I asked XXXX if he was a collection supervisor or collections department manager he paused, I asked him again if he was a collections manager or a regular collections rep, he responded " I am a collections manager, I asked if he was the departments collections manager. XXXX XXXX then said " I have collection accounts that I manage '' I advised them that why did he say he was to collections manager since that was misrepresentation to his company. I asked for his collections manager and all he kept doing was going in circles saying the same thing. I who is you collections manager again then he hung up. XXXX XXXX Desk XXXX has violated the FDCPA for claiming to be a collections manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
On XX/XX/XXXX this company called me and then called my exhusband, and they only said, This is XXXX and they needed to ask questions about an investigation. I looked up their number online and it is JPL recovery. They did not state what company they were calling about or what money is owed. Only she needed to ask questions about an investigation. Today XX/XX/XXXX my brother that lives on northern part of this state text me saying this same XXXX left him a message saying she was researching some informing an individual that he knew .I have applied for some loans but never left my brothers name and certainly not my ex husbands name. .I called that number and I can only leave a message, nobody answers. They are harassing me and my family. They need to be put out of business.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX -XX/XX/XXXX- {$430.00} XXXX XXXX XXXX- XX/XX/XXXX- {$4700.00} THE DEBT AMOUNT IS INCORRECT I HAVE REPEATEDLY ASKED THEM TO VALIDATE THE ACCOUNT OF WHAT THE CORRECT AMOUNT SHOULD BE AND I KEEP GETTING THE SAME INFORMATION I ALSO REACHED OUT TO THE ORIGINAL DEBT COLLECTOR XXXX XXXX XXXX  BUT NO RESPONSE.

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 2018-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have tried talking to Mercedes multiple times about this problem. 

I have phoned them, emailed them monthly and had no change. 

They made promises when I bought the vehicle and since that they have not made good on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
The falsehoods of Wells Fargo and XXXX never end. My lawyer said they will not forgive any of the principal because my house is worth more than the {$410000.00} loan. Anyone who has seen our house knows that it is a knock-down house. It is one of those cheaply built houses ( for XXXX ) built in XX/XX/XXXX. Our house is especially in bad shape. The front steps are literally falling apart, the metal railing with the concrete is split off from the main part. The back deck is rotted in many places. The fence around the deck is mostly broken off. The ceiling in the basement is 7-feet high. I hit the ceiling when I do jumping jacks. I had to tear out parts of the walls because of mold. Upstairs the kitchen and main bathroom are falling apart. The kitchen floor is old and torn up. Windows are old and hard to open. There is an old pool in the back yard but the tiles have cracked off. It is NOT an asset. A buyer would have to fill it or put a lot of money into building a new one. The front and back yards look terrible. It is a knock down house. There are houses on my street that were knocked down and rebuilt. Two or three of the original houses were built well and well maintained. New houses in the neighborhood are worth much more than {$500000.00}. No one has inspected my house and given it an evaluation. Builders will only pay {$300000.00} at most for my house. Ask Wells Fargo and XXXX to provide proof. 

What are my rights? XXXX  sent a modification yesterday. Will I jeopardize the modification and risk losing any mortgage if I continue to fight these legitimate claims of corrupt practices? Will someone please call me to discuss my filed complaints? XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OK

Complaint narrative:
I received a copy of a forbearance plan that caliber home loans put together on XX/XX/XXXX. 
I called and spoke with caliber home loans on XX/XX/XXXX about some additional details with the loan. 
I sent the letter off at the post office in XXXX XXXX, OK with the provided envelope from caliber home loans. The letter was going to XXXX XXXX. ( Is a 2 day delivery time with USPS. ) I called caliber home loans on XX/XX/XXXX, to see  what the status was and to see if they have received the letter. 
The CSR indicated that they have not and informed me that sending a letter takes 7 to 10 business days. 

Knowing that I received it on XX/XX/XXXX and sent it out the following day and the postal standards indicated by the caliber CSR then I would not have had enough time to get this to them with the provided postage. 

I asked the CSR if he could send me another copy of it, and he stated he would, after belittling me about not making copies of it. He also stated that it may take 24 hours. 

I feel that throughout this whole forbearance process, that caliber has not treated me fairly and I feel that they have intentionally held the process up for whatever reason they have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Nelnet, Inc.
State: MT

Complaint narrative:
Nelnet Refuses To Mail Me A Paid In Full Letter After I Paid The Private For Profit School Student Loan Scam Off On XX/XX/2018.I Have Called Several Times And Every Time They Give Me A Different Answer, Thirty Days, Fourty-Five Days Etc.They Have Their Scammed Money, Why Can't I Have My Paid In Full Letter? After Trying To File A Complaint With Four Different People All Calls To CFPB To File A Complaint Fell On Extremely Rude Ears Refusing To File My Complaint Over The Phone.I Don't Understand The Reason For The Runaround From CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
About {$800.00} was charged on this card. I paid it down last year so I can buy house.. my identity and phone was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
My name is XXXX XXXX and I an XXXX  member of the United States XXXX. Between XX/XX/XXXX and XX/XX/XXXXmy identity was compromised, and numerous items were taken out in my name, Helvey & Associates has been notified by the armed services identity theft division of the breach yet is still reporting a balance of {$1300.00} for electric services with XXXX XXXX that I never took out. Please have XXXX XXXXXXXX XXXX remove this item from m XXXX, XXXX, & XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX  XXXX, XXXX has treated debt validation letters from me with out resolving the problem. They may have acted unprofessionally and have used misleading promises about deleting an account from my credit report. I disputed a XXXX XXXX account XXXX for an amount of {$630.00} several times. On XX/XX/XXXX, I did received a letter from them saying " XXXX, XXXX filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete XXXX, XXXX 's trade line for this account on you credit reports. '' However, the account & number for XXXX XXXX they agreed to delete ( XXXX ), this account showed a {$0.00} balance and has already been deleted in XX/XX/XXXX. I disputed this with XXXX, XXXX again and on XX/XX/XXXX received what appears to be another false and misleading promise to delete a XXXX XXXX account with a {$0.00} balance with account number XXXX. Again, this account has already been deleted in XX/XX/XXXX. 

Please investigate this practice of XXXX XXXX XXXXXXXX, XXXX and have them delete XXXX XXXX account # XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery has been garnishing my wages since XX/XX/2017 for debt that was being paid thru the Law firm that they hired. Now I have been paying the law firm {$320.00} a month and they have been garnishing {$85.00} every pay period. But according to their records, this account has been resolved but they still garnishing my wages!! I have proof of the garnishments from my employer and I have proof of debt paid and payments paid to the law firm hired to collect the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX Account XXXX. Original Creditor : XXXX XXXX XXXX XXXX amount {$380.00}. 

XXXX XXXX Hospital in XXXX, XXXX sent a bill addressed to XXXX XXXX to my home address inXX/XX/XXXX. I immediately took the bill to their Med Rec Dept and was told another person 's account was linked to mine and I was assured it was fixed. After speaking with the dept. and researching records myself, the account belongs to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX, XXXX. The collections appeared on my credit report XX/XX/XXXX. I contacted XXXX at the number above and filed the dispute with XXXX on XX/XX/XXXX. I confirmed my last name has never been XXXX and I have never lived in XXXX. Public records and my credit report demonstrates this. XXXX said the XXXX Policy for the patient is XXXX, policy holder is XXXX XXXX. She said she would file the dispute yet the collection remains active on my credit report. To make matters worse, the hospital closed 2 years ago so I can not get help from them on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Blocking apps. My account has been frozen for over three months and I have a positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
XXXX XXXX XXXX called me to collect payment for a debt. Because it was a phone call from a company I had not received notice of collection for, and because my cell phone was dying at the time I received the call, I indicated I would take care of the payment and got off the phone. I did not receive from XXXX XXXX XXXX any other contact attempts, nor did I receive notice in writing from this company regarding the debt they were trying to collect. I also, did not receive notice regarding the ability to dispute, I believe I am supposed to receive notice in writing of the attempt to collect a debt prior to it being reported to a credit reporting bureau. Because I did not receive proper notification, nor did I have the proper amount of time to respond, I have requested the collection record be removed from my credit reporting. The agency refused to remove the improper collection attempt from my credit report and their response was that they called me and expected me to pay over the phone to a company I had never spoken to using my credit card, which to anybody would seem like a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I wasn't aware of this debt or this company

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 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a bank account with Bank of America. I did not lose or gave my debit card to someone else, but somehow, someone else was able to obtain information on my debit card, including the pin and chip. This resulted in numerous fraudulent transactions/ ATM withdrawals that occurred between XX/XX/XXXX through XX/XX/XXXX. Below is the list of transactions : 1. {$100.00} ( XX/XX/XXXX ) 2. {$800.00} ( XX/XX/XXXX ) 3. {$380.00} ( XX/XX/XXXX ) 4. {$200.00} ( XX/XX/XXXX ) 5. {$600.00} ( XX/XX/XXXX ) 6. {$600.00} ( XX/XX/XXXX ) 7. {$1900.00} ( XX/XX/XXXX) 8. {$2.00} ( XX/XX/XXXX ) 9. {$640.00} ( XX/XX/XXXX ) I have filed a claim, made a fraud claim statement, and faxed a letter to the fraud claim department, requesting them to investigate these transactions and take a look at the camera surveillance. However, these sincere efforts did not result in the outcome desired as they were all denied. The reasoning provided by the bank fraud department was that the suspect had the pin and the chip and debit cards can not be duplicated and as such, they are unwilling to provide me with the refund.

I rarely make ATM withdrawals and if I were to plan on making such huge amount of withdrawals, I would go to the bank and withdraw it from a bank teller in one transaction rather than making multiple transactions. I put the maximum withdraw at the atm ( {$500.00} ). The fact that withdrawals are allowed to exceed this amount shows the lack of security from the side of Bank of America to allow the transactions to go through.

I am still persistent that I have no play in these transactions and that they are fraudulent and that Bank of America should look at the camera surveillance to verify that I was not the one making the transaction. As such, I am writing in hopes that I can have my tuition money 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 2018-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
The company calls me at least 10 times a day sometimes in repeated succession back to back. I have advised through representatives to stop calling at this point due to method of harassment and that I would handle the debt through paper correspondence or legal method.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXXfor {$400.00}, which apparently covered my XX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment.

The next payment of {$800.00} made onXX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXXbeing 30+ days late on XXXX  and XX/XX/XXXXbeing 30+ days late on TransUnion and XXXX   There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. TransUnion has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report throughXX/XX/XXXX.

There was an extension granted in XX/XX/XXXXwhich should've covered my XX/XX/XXXX and XX/XX/XXXX Payments. XXXX  shows 30 days late XX/XX/XXXX andXX/XX/XXXXand 30 days late forXX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX   has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
The monthly reporting of my auto loan with XXXX  is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported.

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXXfor {$400.00}, which apparently covered myXX/XX/XXXX payment.

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXXand only covered XX/XX/XXXX because of the alleged returned payment. The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX and Equifax There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXXThis payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX.

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXXand XX/XX/XXXX Payments. XXXX   shows 30 days lateXX/XX/XXXX andXX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau.

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late.

The amount of 30+ days late reported are not nearly as much/frequent as XXXX  has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.

Company response to consumer: Closed with explanation