vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX XXXX and Experians investigation.

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 2018-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I've received 21 phone calls, just in XXXX from PNC Bank. They never leave a voicemail but their name shows up on caller ID. I've tried twice, once on XX/XX/XXXX and once on XX/XX/XXXX to speak with them regarding the debt I owe. I wanted to arrange a payment plan and discuss my financial hardship, and both times the representatives refused to submit any requests unless I set up an auto withdrawal plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
There is a collection for {$3700.00} from XXXX XXXX  on my report that I never incurred or signed for, can't imagine what it is. I'm XXXX yrs old and this is very distressing. 

The collection agency is listed as : CAINE & WEINER COMPANY INC an internet search comes up with their site as : https : //www.caine-weiner.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I had to chose something to move forward. Select portfolio does not call before XXXX XXXX. This morning they called at XXXX. Again Select Portfolio is playing games. This is not a revolving credit account. They are a debt collector for my 2nd mortgage.They have a call center in XXXX XXXX XXXX with employees that give wrong or misleading information. Their Loss mitigation department responded to you with inaccurate information. I received a letter dated XX/XX/XXXX asking for even more documents ( the list keeps growing ). In addition to their response to CFPB they now want pay stubs ( which I have none as I'm unemployed and have already sent the my bank statements and letters from the Ga. Department of labor ) ; and a letter from my homeowners association showing what I have paid and the frequency of my payments and schedule XXXX from my tax return for XX/XX/XXXX. The loss mitigation department did not address the fact that their call center employees tell me things that are inaccurate and misleading. Obviously they don't care about the CFPB otherwise they would have clearly spelled out what was needed when they responded to my prior complaint with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: NY

Complaint narrative:
On XX/XX/2018 i obtained my Equifax credit report. When I received it I noticed that I had 17 negative accounts and 43 inquiries reporting to my credit report of which none of them I recognize. 

Most of the collection accounts are from a company called XXXX XXXX XXXX representing various creditors, none of whom I have never done business with. Another collection account is from XXXX XXXX of whom I have never done business with either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On Friday, XX/XX/2018 I was making a payment online for {$1300.00} on my American Express credit card. Mistakenly I added a zero and made it for {$13000.00}. I did not catch this until Monday XX/XX/2018. Called American Express, talked to a rep that said the only way for the refund was to mail a check or wire transfer. I am suppose to get the difference of {$11000.00} and leave {$1300.00} on my account as payment. I opted for the wire transfer. He said it would be 3-5 days. When 5 days was up, I called back to see why it hadn't come to my bank and I was told 7-10days. When 10 days was up I was told that the funds had to be verified. They verified the funds were taken twice during the 15 days I have been trying to retrieve my money. Now, i must say, there wasn't {$13000.00} in my account so it bounced back 2 days after the initial payment. Then they retook it again and at that time there was {$13000.00} in there on XX/XX/2018. I call every day, several times a day ( 3-4 ) and get a different answer from different people after continuosly being transfered to different departments. In talking to a manager on Friday XX/XX/2018, he said let 's do a check and it will definitely go in the mail today. Called Monday XX/XX/XXXX and Tuesday XX/XX/2018 and was told the case was reopened? I have no idea what that means. I talked to 7 different people on Tuesday XX/XX/2018 from XXXX - XXXX ET. Was told by XXXX they would overnight mail a check to me by Wednesday XX/XX/2018. Needless to say I have requested 5 times for an overnight mailiing and was told there is no way to do that. Now all the sudden they can. 

I have been a member with American Express since XXXX and always paid on time and way over the minimum payment due. I can't believe this is how they treat their customers. This wasn't just {$100.00} overpayment. This is {$11000.00} over payment that I have been trying to get back for several weeks now. I have been without any ready cash all this time and alerted my bank about the situation. They were kind enough to waive any and all overdraft charges. 

Unfortunately, I am going on an already paid for cruise on XX/XX/2018 and have no cash. Please help me in making sure this does not happen to anyone else and that American Express executives are aware of the poor customer service I have received. 

As of now, I still do not have my over payment back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per Trans Union XXXX and XXXX investigation.

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 2018-09-25 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: GA

Complaint narrative:
I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX Equifax and XXXX investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND XXXX is actively pursuing this a debt in violation of the FDCPA ( while an investigation is in progress ). This account is showing as derogatory information on my credit reports. Moreover, the date the account was opened has been re-aged ( XX/XX/2016) ; there is also a discrepancy in the amount ( {$840.00} ). Finally, Midland XXXX is fraudulently misrepresenting themselves to be the " assignee '' of XXXX BANK, when in fact they are just debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AA

Complaint narrative:
Last year I bought flood insuance for my home. My mortgage company, knowing this also purchased over priced flood insurance that i neither wanted or needed. This caused a short fall in my escrow account which significantly raised my monthly payment.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Creditor is Citibank. Creditor is reporting false information on my credit file with all 3 credit reporting agencies. Creditor is reporting " Credit line closed / not paying as agreed '' this is not true. I closed this account because of billing overcharges I was getting so I decided to close this account.

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 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Unauthorized Credit Inquiry I obtain a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by TransUnion Credit Bureau however, this inquiry was not authorized by me.I will list the inquiry that I did not authorized. 
XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX , XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-. XX/XX/XXXX Please have these inquiry removed from credit report, as it is having a negative effect on my loan application and acquisition of credit. 

Thank you for your prompt assistance.

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 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX XXXX is actively pursuing this a debt in violation of the FDCPA ( while an investigation is in progress ). This account is showing as derogatory information on my credit reports. Moreover, the date the account was opened has been re-aged ( XX/XX/2016 ) ; there is also a discrepancy in the amount ( {$840.00} ). Finally, XXXX XXXX is fraudulently misrepresenting themselves to be the " assignee '' of SYNCHRONY BANK, when in fact they are just debt buyers.

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 2018-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Had the XXXX Home improver card since 2017, I have never had a late payment I have paid over {$1300.00} to them for a card with {$2000.00} limit and it shows i have only paid it down {$200.00} dollars. I cant identify how they are stealing from me they have masked it well please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ricart Financial Services
State: OH

Complaint narrative:
An old debt from 2011 I have no clue what it is about they are gon na garnish my wages at 25 % I get paid every week. I cant afford that I will be homeless then jobless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I became aware of this collect account upon reviewing my credit report I was never notified from the company about an owed balance. I did contact the creditor by certified mail to inquire how the debt was acquired and request proof that I was indeed the responsible party for the balance in question. In response to my letter I received a billing statement from Credit Systems International with a billing statement that included two charges ; {$8.00} transfer fee and also a {$6.00} transfer fee totaling the {$14.00}. Included in the the cover letter there is a doctor 's name that I have never been a patient of, I've had the same physician since I was a child. I hope that with this complaint I will be assisted with removing this false account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
There was a Santander Consumer Auto Loan that was opened on my credit report with XXXX back on XX/XX/2010. I never opened this car loan. I believe I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/2018, I set up a monthly recurring payment on my XXXX XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. In XX/XX/2018, the {$50.00} payment was deducted from my checking account as scheduled. On XX/XX/2018,  Synchrony Bank withdrew {$410.00} from my checking account instead of the {$50.00} payment that was authorized. I believe it is illegal from them to deduct payments from my checking account at any amount they please if I did not authorize that amount. I spoke with Synchrony Bank on XX/XX/2018 and they said they could not credit back the payment but they could refund {$360.00}. About 30 days later I received a letter from Synchrony Bank stating that they would not refund the {$360.00}. 

In the meantime, I forgot all about the other Synchrony Bank credit card I have with XXXX. I had also set up a monthy recurring payment with them. I am trying to pay all my credit cards off and get out of debt, but they were all behind. I only set up the recurring payments for an amount that I could afford to pay and still pay my other living expenses. 

In XX/XX/2018, I set up a monthly recurring payment on my XXXX Credit Card, owned by Synchrony Bank, of {$50.00} per month to be taken out on the XX/XX/XXXX of the month. The 1st payment was to be deducted from my checking account via ACH on XX/XX/18. On XX/XX/18, a payment of {$260.00} was deducted from my checking account. I did not authorize this amount, only the {$50.00}.

As you can see, the practices by Synchrony Bank are way out of line. I am starting by filing a claim with you, but my next step will be to file a class action lawsuit against Synchrony Bank, as I am probably not the only one this has happened to.

I request that you contact Synchrony Bank and have them refund the overpayments they deducted from my account. In addition, any overdraft fees that are accumulating on my checking account because I did not know they were deducting the amounts they did and still have outstanding checks and/or debits to other people/companies.

In XX/XX/XXXX, the overdraft fees were {$60.00} due to their withdrawing {$410.00} instead of {$50.00}. I imagine it will be at least that amount by the time my checks clear this week since they took {$260.00} instead of {$50.00}. Right now I have at least 5  outstanding checks/debits that still may clear before I get paid again.

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 2018-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Ok so my servicer is navient. I got a letter from XXXX XXXX XXXX stating that they mailed me an authorization form ( flat out LIE ) and that I never sent it back to them so they are canceling my payment arrangements. Now I see that Navient wants to charge me XXXX a month for this loan. When I was approved for the IDR why wasnt this third loan included and why didnt the third one pop up until later?? I cant afford XXXX dollars per month and I can see why there is a lawsuit against the company. XXXX XXXX XXXX is a bunch of incompetent XXXX. I called them about their XXXX letter and the guy acted like he had no clue what I was talking about.

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 2018-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
After refinancing my mortgage in XX/XX/XXXX with the company, I was making payments that should have been escrowed for taxes and insurance. Unfortunately they did not set up the escrow account. I had no knowledge of this until XX/XX/XXXXafter my had had suffered damages from hurricane Irma. When I called my insurance carrier they said I did not pay the premiums and therefore I am not covered. I immediately contacted my mortgage company the agent that wrote the policy and my mortgage broker. The employees of my mortgage company tried to tell me o was responsible for the house not being insured. I continue calling them until I found someone XXXX XXXX who was willing to listen and research what had happened. 
Because the house was not insured, the mortgage company placed a forced placed policy on the house that had a ticket price of over {$8100.00}. I continued calling my mortgage company and had no success. After much research into the company I was able to find the names and email address of management and emailed them and the consumer ombudsman. I decided to email them of my problem. Two months later in XX/XX/XXXX I received a call from an XXXX XXXX who identified himself as the owner of the company. I was also in communication with an XXXX XXXX. I was told that I should not be held responsible for the lack of action on the part of the company and would not be responsible for paying the forced placed policy. I was billed for over {$6700.00} putting my escrow account in the negative as a result. The mortgage company had scheduled an assessment of my damages and it came up to {$10000.00} and change. After numerous emails and phone calls to the mortgage company I got them to agree to give me the difference of what my deductible and the $ XXXXso I can get the repairs done and secure my own insurance. The approval of the checks took months, thus delaying the repairs and my ability to secure insurance so the forced place policy that did not cover me and my belongings could be removed. They sent the check in XX/XX/XXXX for a little over {$3100.00} I worked with a general contractor for the repairs done and obtained insurance in XX/XX/XXXX. I do not think it is fair that I should pay the {$6700.00} and change for the premium since they initially agreeed it was their mistake. And now I am in touch with XXXX XXXX and she said that was never agreement made. She is claiming the {$3100.00} check was to help with insurance when that was solely for the claim that was processed for the repairs. I told her if my original policy would have been a set amount I understand I needed to pay that bill me for that but the mortgage company need to own their part in the fiasco. I should not pay for their mistake. I would like a refund for the forced placed policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Diversified Recovery Services Inc.
State: DE

Complaint narrative:
On XX/XX/18 a outside collection agency attempted to contact one of my family memebers at their job and it was forwarded to me upon talking to them I realized I had already previously accepted a offer from the original creditor but never heard back. This ultimately causing the guy XXXX XXXX for diversified collections to be really nasty and say such things as well sue you and he doesnt care about what I had to say and hung up in my face. He also threatened that o should get a lawyer and so on

Company response to consumer: Untimely response