vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: MS

Complaint narrative:
I requested to validate the alleged debt on  XX/XX/2017    via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me.  Collection Bureau of Ft. Walton Beach received the registered letter o n  XX/XX/2017   . I received the attached documentation on   XXXX   XXXX   XXXX     as verification of debt, however, the documentation does not include a copy of my signature with the provider of the service to release my medical information nor a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided. Therefore,  Collection Bureau of Ft. Walton Beach ha s not verified the alleged debt and is illegally reporting an invalid debt.     I previously filed a complaint on  X/X/2017    that closed on  X/XX/2017    with the explanation from the company as follows : " I am unable to access any accounts under the name and address I have been provided. If you can provide me with an account number. If you have had any other addresses I can try that also. If you received a response from my office to your original validation request i would have the account # on it. '' " I can not locate with the name and address given. If we have already validated the debt then an account # would have been included on that validation. '' In the attached documentation my maiden name,  XXXX   XXXX , and current address clearly appears on the documentation that was sent to me as verification. Please refer to the attached documentation, it is clear that the response from your office to validate the debt does not have an account number on it. Luckily, I have my credit report on hand. The account details and numbers are as follows : Acct # :  XXXX  in the amount of {$510.00} Acct # :  XXXX  in the amount of {$350.00} Acct # :  XXXX  in the amount of {$25.00} Acct # :  XXXX  in the amount of {$180.00} *Please Note : Acct # :  XXXX  in the amount of {$180.00} has been deleted, however, I would like to verify that the account does not return and report illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Bond And Collection Associates, Inc.
State: WI

Complaint narrative:
We have received several calls from a man named  XXXX   XXXX  looking for my husband. He refuses to provide any more details other than his name and  XXXX  number, saying this ous a personal matter. Due to how rude he has been coupled with the lack of information from him, I asked him to correspond via mail, and to stop calling. The calls stopped, but never received anything in the mail. Several weeks pass, and  XXXX   XXXX  called our house again this morning. I explained my husband was unavailable, and asked if I could help him. He asked me to just have my husband call him, and provided his name and  XXXX  number. When i asked what company he was with, he refused to tell me, only saying it 's a personal matter. I told him, " no, you need to tell me what company you represent or I wo n't have my husband call back ''. He said, " real immature. How about you grow up? '' I said, " excuse me?! '' He said, " you heard me! Grow up! '' I responded with, " lose my number   XXXX   XXXX   '' and hung up. I then had to  XXXX  the  XXXX  number he gave me to find the company he worked for, which turned out to be  National Bond and Collection Associates. I  called the other number listed on the website and asked the receptionist to speak to a supervisor. Then I asked if  XXXX   XXXX  was an employee. She explained that he was the supervisor. I then asked to speak with his boss because I was upset at the insulting bullying tactics  XXXX   XXXX  was utilizing. The receptionist, who did not give her name, chided me while saying, " look at how you 're talking! You are immature and need to grow up! '' I told her to lose our number, and proceeded to call their local police department. The answering dispatcher told me I needed to go through my local department. Needless to say, the police were a dead end. I then contacted the FTC, who directed me to this site to file my formal complaint. I 'm familiar with collecting procedures and what companies can and can not do.  XXXX   XXXX  and his associates resort to illegal bullying tactics and evasive answering ; intimidating actions that might scare people into paying a debt they might not even have.  XXXX   XXXX  's refusal to provide supporting documents and unwillingness to provide company identification makes me think they 're skirting the line of fraud. At the very least, they 're bullies that need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
These items appear on my credit report. Theses items were discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.     ALL ITEMS WERE DISCHARGED IN Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loa n ) IQ DATA INTERNATIONAL IN (  Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
These items appear on my credit report. Theses items we re d   ischarged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED   IN Chapter  XXXX  Bankruptcy :   XXXX   XXXX   IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( I llegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  miles away ) KINGS CREDIT SERVICES  ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as  XXXX  OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
My mortgage is with  XXXX   XXXX   XXXX . They hired  Loan Care t o handle the escrow money up until   XXXX   XXXX   XXXX    , then  XXXX  hired  XXXX .    Loan Care pai d a real estate tax payment and withdrew the funds out of my escrow, the  City o f  XXXX  did not apply this money to my account. During this time  XXXX  noticed my RE Tax payment was late so they paid the late tax bill and withdrew the money out of my escrow account again not realizing that this is now a double payment.   I have the proof from the city that the money was never applied to my account and i have proof that the money was taken from my escrow twice.   I have tried to reach  Loan Care  and  XXXX   XXXX  has tried to reac h Loan Care. T hey are not returning my calls and they told  XXXX  that the payment was made with other tax payments in  XXXX  check but they are not going the extra step to either give me the check info so that i can research it or call the  City o f  XXXX  themselves to get this straightened out.   they owe me {$1600.00} plus late fees paid to the  City o f  XXXX  and interest to me.

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 2017-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called several times to Transunion,  XXXX , and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off. Transunion,  XXXX , and  XXXX  all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.

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 2017-05-16 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: U.S. BANCORP
State: MN

Complaint narrative:
I got a dental   XXXX   XXXX   XXXX   repaired by a   XXXX   repair    company.in  XXXX    XXXX  . I originally sent  XXXX    XXXX    to get repaired. The company contacted me back with quote to fix the  XXXX    XXXX  . Out of the  XXXX   XXXX  I authorized  XXXX    XXXX   with specific size to be repaired and mentioned not to repair the other as I have other plans. But When I received the repaired   XXXX   back I noticed the wrong  XXXX  repaired which I did not authorize. I contacted the company and first they said they did what I asked them to do. Then later they sent me another email saying the  XXXX  I requested to repair was not repairable and they repaired the other  XXXX  without my permission. I asked for a refund as I did not authorize the repair. They refused. At that point I contacted  US bank  some where  XXXX  or  XXXX    XXXX    (  I do n't remember the dates as it was all on phone and they have recording ) .They said they will send a questionnaire for me to fill and they are sending in mail. After waiting few months that I have not received any paper, they said because you did not respond they closed the case. I told them I never received any paper, plus I moved just in  XXXX  and some mail might got lost. They said to send the papers again, which I did revive and sent it. Again There was no reply, and month or so pass by. When I contact them they again said the same story they never received any thing and they closed the case. But they are willing to open it up again if I fax them the supporting documents from the branch. I went to the branch and faxed those papers. Do n't remember the dates but bank has all. Again no contact and when I contacted them they said ( spoke with supervisor  XXXX  ) that they never received the fax. I told them I did it from branch and branch know about it. After few days when I called again they said they made a mistake and the documents were received but not attached to the file. So I asked what next and they replied we will look into this. So after few days  XXXX  left me a message to call back which I did. she did not reply. Person on customer service said that basically bank left a note that now its too late they will not handle that. I told them how is it my fault. First I was trying to resolve the issue with merchant, then with the bank, how is it my fault. On  XXXX   XXXX  they sent me a letter saying time was up, then they sent me another letter on  XXXX   XXXX  that the documents lacks sufficient information and close the case I tried Calling  XXXX  from card member service on  XXXX   XXXX , and  XXXX   XXXX  but she never answered.

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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I 've been having continuous issues with this company. We had an approved short sale with a buyer, but the buyer walked so we submitted a new offer at the same price. I was told it would not take long to reapproved the short sale with the new buyer because the offer amount is the same. We are now 117 days into the process and the lender 's underwriting debt keeps delaying the file and restarting the " within 30 days of complete packet '' timeframe. The lender promises a decision on approval within 30 days of a complete packet however this is the third time underwriting has kicked back the file at the 29 day mark to request a irrelevant correction. For example, the first time we were 29 days into review under writing ask for an estimated figure on the buyer 's side of the hud to be removed- this is not something t hat is at all relevant for the short sale as it is common knowledge these figures are estimated and they have no effect with the short sale as far as the lender is concerned. Next after 29 days the file restated the process because underwriting requested that the listing agent be included on the third party authorization- this is not something that should of restarted the process   because the agent is not an authorize d third party,  So that started the process again, now they asked for a typo correction on the HUD  XXXX  I was told on  XXXX   XXXX  that the file would be escalated because underwriting should of requested that the first time they asked for a correction on the HUD  XXXX  On Friday  XXXX   XXXX  I confirmed the file was still escalated and I was told we would have a decision within  3-5 bu siness days. I called today and spoke to a supervisor  XXXX   XXXX  and was told they did not escalate the file and will not. So that means I was LIED to, SPS records their calls and manager refused to listen of escalate the file. The lender started the process over yet again and we are going to lose the buyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover fail ed to pay me {$300.00} for my credit card account  XXXX   XXXX   XXXX   XXXX .     I spent {$3000.00} in purchases at  XXXX   XXXX   XXXX  using   XXXX   XXXX   in    XXXX   XXXX     ( s hown i n SCREENSHOT 1 ). Under  the terms of promotion,  Discover was   supposed to give me 10 %, which would be doubled at the end of the year to 20 %. The " double cashback '' promotion was  one I was  enrolled in from   XXXX   XXXX   to   XXXX   XXXX    ( the fin al amount deposited is shown in SCREENSH OT 2, provi ng I was enrolled ).     On   XXXX   XXXX   XXXX  ,  Discover finally awarded th e cashback ( shown in SCREENSHOT  3 ). However, the amount was only {$300.00} ( shown in SCREENSHOT 4 ), which is 10 % rather than 20 %. I am the refore owed an additonal {$300.00}.     I contacted  Discover customer  service, where a supervisor named  XXXX  in their  XXXX  office opened an investigation for me. However, at the end of their internal review, they refused to award me the additional cashback owed with no further explanation, and refused to provide an email detailing how the cashback was calculated.     I am owed an additional {$300.00} from  Discover from  their   XXXX   XXXX   and  Discover Match pro motions, and ask for immediate cash relief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16 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: MI

Complaint narrative:
I had  XXXX  auto loans with  XXXX  and was late  XXXX  x for 20 days on  XXXX  xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to   XXXX    and concluded info is correct yet when i call  XXXX , they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: TX

Complaint narrative:
I have called several times to  XXXX , Experian, and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX , Experian, and   XXXX   all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.

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 2017-05-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called several times to  XXXX ,  XXXX , and Equifax and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX ,  XXXX , and Equifax all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I started repaying my federal student loans on  XXXX / XXXX / XXXX  and signed up for th e Public Student Loan Forgiveness program shortly after that came out. I asked my loan service venders & PSLF p rogram on more than a dozen occasions, dates would be documented in their records of call history, if I was doing everything right to be qualified to have my loans forgiven in 10 years as PSLF program requires. I asked if I was in the right forgiveness program plan which I was told each time, yes. In  XXXX , when I double checked with PSLF program and my federal loan service vendors what the date was my federal loans would be forgiven, they stated that from  XXXX , I was not making payments under the correct repayment plan to qualify for PSLF program. I made approximately 6 years of on time payments under a repayment plan that did not even qualify for forgiveness when I was told i was doing everything correctly. That is approximately  72  payments. Thousands of dollars later, and in  XXXX , i immediately switched to an income contingent repayment plan and have been submitting annual renewal paperwork and making on time payments under this plan. I feel I was misguided and cheated out of thousands of dollars. I can barely afford to live being a single income dependent person, struggling with so much student loan debt, that I 'm not sure what else I can do to get out of this financial hardship. If I would 've been informed correctly, I would be having my loans forgiven. Please help and guide me in what i need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX   XXXX ,  2017  I applied online for  a Khol 's Dep artment store credit card. I answered some fraud information questions and at the end of the application it stated I would receive a letter in 10 days. On  XXXX   XXXX ,  2017  I received a letter from Kohl 's stating " unable to verify fraud information '' and was denied credit. I called the company and asked why was I denied credit because Kohl 's did not make an attempt to telephone me to verify my identity due to a fraud alert on my credit file. The Representative was agitated and stated there was nothing she could do and the decision was final. I re-applied a week after that for credit, answered the identity questions, and once again, I received a letter on  XXXX   XXXX ,  2017  stating " Unable to verify fraud information ''. I never received a telephone call to verify my identity. Kohl 's department  Store  deliberately denied me credit. They have improperly used my credit report and fraud alert information. Kohl 's is refusing to correct this matter.

Company response to consumer: Closed with explanation