vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I contacted the company today calling to see about setting up a payment arrangement for the account that they are a third party collector for the amount of {$2600.00} with them. The representative said he was unable to make any sort of a consolidation or accommodations and demanded payment in full oh. Then the representative told me that if I didnt pay them that it wouldnt run my credit and then I would not be able to finance a house get a credit card or any other sort of loans. The representative instills great fear into me that my credit would be damaged is XXXX years old that I would never be able to own a home again. I spoke to a supervisor who was also unable or willing to help rectify the problem that her representative caused. This occurred on XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter to the credit bureaus more than 30 days ago and received no reply. I sent a follow up letter and received no reply.

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 2020-09-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter to the credit bureaus more than 30 days ago and received no reply. I sent a follow up letter and received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
The mortgage servicer, Freedom Mortgage failed to pay the premium for our homeowner 's policy out of the agreed upon escrow account. The payment was due by XX/XX/2020, and on XX/XX/2020 payment was not received by the insurer and coverage was cancelled. I was forced to pay out the full premium of {$2500.00}, and a late payment of {$250.00} out of pocket. 

This is the 3rd time since origination of this loan that the homeowner 's policy has been cancelled for non-payment, and the payment has always been under the purview of .escrow. 

I wrote a notice of error to Freedom Mortgage on XX/XX/2020, and sent it certified, return receipt. The letter and numerous phone calls stated that I had PAID the insurance amount in full, and requested that escrow be removed. According to their records, XXXX then sent the amount of {$2500.00} to pay the {$0.00} balance to the insurer. I finally received the refund FROM THE INSURER on XX/XX/2020, over 2 months since I paid the insurer in full. 

On XX/XX/2020, Freedom Mortgage did send a response to my notice of error, stating " we have consented to terminate the escrow for REAL ESTATE TAXES and/or homeowner 's insurance '' ... '' within 14 days, '' ... '' refund any balance. '' As of XX/XX/2020, I have not received a refund, NOR has my escrow been removed from the payment. 

I do not trust Freedom Mortgage to pay taxes and/or insurance out of escrow in a timely basis, therefore I want to end escrow.

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 2020-09-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CIT BANK, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
My CIT Bank IRA CD matured on XX/XX/2020. It contained {$40000.00}. I opened an IRA account at the XXXX XXXX XXXX and had the credit union complete a form instructing CIT Bank to transfer the IRA funds to my account at the XXXX XXXX XXXX. CIT Bank gave me specific instructions on how to complete the transfer form. 

XXXX XXXX XXXX prepared and signed the form, as did I, with the information provided by CIT Bank. I faxed the form to CIT Bank ( the credit union said they would have to mail it ) and confirmed that the form was received by CIT Bank. CIT Bank informed me that it had mailed a check to XXXX XXXX XXXX on XX/XX/2020 and closed my account. CIT Bank informed me that the check was mailed by first class regular mail with no tracking number and that it should be deposited by XXXX XXXX XXXX within 7 to 10 days. 

It is now 15 days since the check was mailed and XXXX XXXX XXXX claims that it has not received the check. I have been trying to reach CIT Bank 's toll free customer service number at XXXX for days, multiple times per day. The phone is answered by a recording that directs callers to a menu to select an option. To speak to a customer service agent I touch 0 and always get a message stating that " Your call can not be completed as dialed. Please check the number and call again. '' Even when I select option 1 to open a new account, I get the same message. 

This is not normal. I am able to send a message regarding my account and sometimes get a response, but I want to talk to someone who can tell me the CIT Bank number on the check and whether it has been cashed and what to do next. I am at a loss and also anxious about the whereabouts of my {$40000.00}. I am XXXX years old and that is my retirement savings. Please help me. I want to talk to a live person at CIT Bank. If I can't get through, I am sure no one else is able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Paypal has a negative balance of XXXX. This is not my balance. My paypal was not used by me to lead to this balance. It was used by someone else, and paypal has not done anything about it. I know who it was used by, and they have asked to have the debit moved to their paypal account, and nobody will listen to me, as I've contacted paypal numerous times about this issue. So since this has happened, my paypal credit account has been dropped from XXXX to a total of XXXX, which was what I owed on the paypal credit account from the beginning. Also two of my Synchrony accounts have been closed, which had a XXXX  balance on them for months, and all of sudden my accounts were reviewed after submitting a compliant to XXXX, with no response from the company. This is the worst business practice. This has made my credit score drop 70 points in a month. I've been working hard on getting my credit score up, and now its dropped again due to someone else 's debt. I feel that all of this has happened because of my complaint to the XXXX, and clearly it has. My accounts have never been closed before, for no apparent reason, like they are being closed now. The negative paypal balance is not mine, and I want to close my paypal account after I pay off my paypal credit. They will not let me close it because of the negative balance, that is not mine. This will be following me forever, and it's not even mine. I have text messages from the person who made the debt, asking me to move it to their account, they claim it.

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 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: CA

Complaint narrative:
Out of the blue a company identifying as AFNI flagged my credit with a debt that I had no idea about. I just happened to be checking my credit score when I saw it. I phoned AFNI wanting to know where this was coming from. I asked if they bought the debt. The response was 'no '. I asked again, response 'no '. I ask where is the debt from, they responded XXXX. Hmmmm. I was not given notice and was not able to file a dispute. So my next step was to send a certified letter to AFNI to  be shown proof that the debt was valid. I checked with the post office and AFNI indeed received my certified letter as they signed for it on XX/XX/2020. I have yet to receive a response and the collection still sits in my credit report. The fact that they left it on my credit, even after they received my certified written request for validation seems wrong. I would appreciate knowing my next steps with this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I reached out to experian, Agent XXXX " XXXX '', argued with me about my report not being over 7 years, and when I asked her to speak with her supervisor, she stated her supervisor was going to ask WHY I wanted to speak W/her, as it's Cleary Knowles why, she  stated I was going to be told the same thing, finally she puts me on HOLD, speaks with her SUPERVISOR, and come back to tell me ... SHE SPOKE WITH HER AND SHE SAID THERE WAS NOTHING SHE COULD DO. I asked for the supervisor name and OF COURSE she not " ALLOWED '' to give me her name, to come back and tell me to giver her my number and her supervisor will contact me. 
I fill this was a negative, unappropriate, unbusiness way of doing this and it NEEDS TO STOP, the managers and supervisors are there to take the customers call if they can't settle a problem through the CSR. Very XXXX and want something done about the LIES

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 2020-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
When pulling my credit, I noticed there was a medical bill showing on my credit report in which I have no knowledge of from Phoenix Financial Service ( XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ). 

On XX/XX/2020, I sent a certified letter to Phoenix Financial Service in efforts to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/2020, I have not received a response or documentation validating the debt in questioning. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ) since Phoenix Financial Service is unable to verify the accuracy of the disputed account they must promptly delete this item of information from my file. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: CA

Complaint narrative:
Okay so I am a XXXX XXXX  XXXX veteran. I received a letter dated XX/XX/XXXX on XXXX XXXX. It says I owe a debt that was from my chapter XXXX bankruptcy. I try to Call the number XXXX and no one picks up. Then it says they are too busy but to leave a message and can not leave one at all. Last year I had another debt collector harass me and try to collect on this debt. I took care of this once I noticed it was on my credit report and sent in my chapter XXXX bankruptcy discharge paperwork to all crediting agency 's in XX/XX/XXXX my dispute was completed and it was changed from a collections to a chapter XXXX bankruptcy. So this debt was already tried to be collected on from another place. How this place Credit control LLC got my info from XXXX or whoever baffles me I took care of this a year ago. I am in the process of buying a house and if this agency hits me with a collections I will not be able to purchase my house two years after recovering from my bankruptcy. To make things worse I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX retired veteran. Credit control llc XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is trying to collect a collections debt that is not even on my credit report its like they made it up or something its insane I had my credit report fixed last year and it says it was discharged due to chapter XXXX bankrupcy. Please help me resolve this.

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 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
I contacted gatestone to reschedule my payment when I realized my bank account was over drafted, due to another bill payment being processed early. I asked to reschedule my payment on my next pay period and was told that there was no way to stop their automated system from collecting they payment. I informed the rep that for each attempt, my bank would continue to charge me an over draft fee and that it would put me further in debt. At this time the rep informed me that the only way to stop the automatic attempt would be to file a stop notice with my bank. XXXX implied several times that I did not do my due diligence by contacting XXXX earlier. I let her know several times that I called as soon as I realized the issue and was trying to work towards a resolution so that I could meet my payment obligation. She continued to imply that I did not take the correct action and that the matter was out of her hands. I then contacted my bank to place a stop payment, as advised by Gatestone. Today Gatestone called to advise that I would be kicked out of the lower interest arrangement for failure to meet my payment date. Despite doing what I could to adequately make my payment, Gatestone is now attempting to collect a payment that I can not sustain, without informing beforehand that their advised action would result in being kicked out of the program. I believe this is in violation of the Fair Debt Collection Practices Act Section 802a and 802c as no alternatives of payment were offered. This practice is highly predatory and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
I have a power of attorney set up with USAA Federal Savings bank for my sister to make payments and do all things pertaining to on an automobile and the automobile loan. ( I am in the military and have orders assigning me to XXXX XXXX. ) When the person called to set up automatic payments she was told that automatic payments were scheduled. The automatic payments never came out of the account. When she called to try to make a payment over the phone the company did not honor the POA. They did not allow her to make payments and constantly told her that the POA was not sufficient. This caused the account to become 90 days late and go to collections. I did not receive any documents in a timely manner to my current address to be able to address the missed payments before it was sent to collections. When I called to find out why the loan was sent to collections, I was told that they no longer have any information on the loan. They also could not tell me who to call to address the debt. When I received a letter from the collections agency I gave the information to my sister. The collections agency refused to speak with my sister or honor the POA. The collections agency told her that the debt was being sent back to USAA. The specialty department at USAA who supposedly took over the debt also refuses to speak to my sister ( POA ) to resolve the missed payments or allow her to make payments to resolve the debt. When I called USAA to get the information on who to speak to regarding why no one will allow my sister to my payments or access the needed information, I was referred to a specialty department that was closed. The fact that USAA has refused to honor the POA or allow my sister to make payments has resulted in the account to be 90 days late and sent to collections. This has damaged my credit score and is jeopardizing my security clearance with the military. USAA has two POAs on file. One was a POA specific to USAA and the latest POA was completed by the XXXX legal office. The latest POA has been  attached to the complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
When pulling my credit, I noticed there was an account placed in collections by National Credit Adjusters ( XXXX XXXX XXXX XXXX XXXX, KS XXXX ) On XX/XX/2020, I sent a Debt Validation Letter to National Credit Adjusters to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/2020, National Credit Adjusters responded on XX/XX/2020 with a letter stating they would cease collection efforts. National Credit Adjusters made this update to my XXXX account but not my XXXX. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ) since National Credit Adjusters is unable to verify the  accuracy of the disputed account they must promptly delete this item of information from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: GA

Complaint narrative:
In XXXX around the XXXX week I mailed off letters to the credit bureaus TransUnion, XXXX, and XXXX. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because  they have broken the law I would like to process this in a civil lawsuit against them. 

I have made several attempts to correct this matter.

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 2020-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
i listed everything with the attachments but they have been calling me like crazy sending tow trucks to my house and harassing me the car leaks fumes and has electrical problems. The person who had the car before me modded it was a drag car and i have been exposed to carbon monoxide so have my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I contacted XXXX to reschedule my payment when I realized my bank account was over drafted, due to another bill payment being processed early. I asked to reschedule my payment on my next pay period and was told that there was no way to stop their automated system from collecting they payment. I informed the rep that for each attempt, my bank would continue to charge me an over draft fee and that it would put me further in debt. At this time the rep informed me that the only way to stop the automatic attempt would be to file a stop notice with my bank. XXXX implied several times that I did not do my due diligence by contacting XXXX earlier. I let her know several times that I called as soon as I realized the issue and was trying to work towards a resolution so that I could meet my payment obligation. She continued to imply that I did not take the correct action and that the matter was out of her hands. I then contacted my bank to place a stop payment, as advised by XXXX. Today XXXX called to advise that I would be kicked out of the lower interest arrangement for failure to meet my payment date. Despite doing what I could to adequately make my payment, XXXX is now attempting to collect a payment that I can not sustain, without informing beforehand that their advised action would result in being kicked out of the program. I believe this is in violation of the Fair Debt Collection Practices Act Section 802a and 802c as no alternatives of payment were offered. This practice is highly predatory and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 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: GA

Complaint narrative:
In XXXX around the XXXX week I mailed off letters to the credit bureaus XXXX, Equifax, and XXXX. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because they have broken the law I would like to process this in a civil lawsuit against them. 

I have made several attempts to correct this matter.

Company response to consumer: Closed with explanation