vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX. I checked my credit report and saw there was a new collection on my XXXX report.I called the company 3 times and 2 times was hung up on. The 3rd time I ask the collector what address the validation notice was sent he stated did not have an address . I was informed that there where other debts of mine in there office and it was not reported to the credit bureau .He hung up on me . Texas has not reported any of my medical debt before I was told they do not. Violation of the FCRA and FDCPA for abusive behavior ..Continue to hang up and not try to resolve the issues..If they report to the credit bureau they must report all DEBT as of today the only report is for XXXX XXXX from XX/XX/XXXX the others have not been reported they can not pick and choose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I own a credit card through Navy Federal Credit Union and this billing cycle my interest rate were up from 10.65% to 10.90%. Navy Federal Credit Union failed to communicate with me as why the interest rate went up, even though there has being no interest rate increase from the XXXX XXXX XXXX XXXX XXXX is secretly trying to charge me more interest without even informing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: Army and Air Force Exchange Service
State: PA

Complaint narrative:
My husband was XXXX XXXX XXXX in XX/XX/XXXX, during this time we utilized a XXXX XXXX XXXX. We had the ability to pay at the time, until life decided to show us otherwise. Sadly we did not have the money to feed our kids, let alone pay a credit card bill. We tried to work with XXXX XXXX, but they kept garnishing my husbands military pay. Which we understand and are somewhat okay with now. During the next year we still were unable to pay our debt, our XX/XX/XXXX tax return was fully garnished to pay off our debt. Our debt was almost fully paid off and we thought things were pretty much finished. It wasn't for a few months later that we found out that XXXX XXXX was still charging us interest each month on the small amount of debt, they then hired XXXX to collect the said debt. XXXX added their crazy fees to the mix and we still owe over {$900.00} on a debt that was very close to being paid off. We tried to contact XXXX several times because XXXX XXXX told us that they could no longer handle our account. XXXX laughed in our face stating " its a XXXX XXXX, if you don't pay we will garnish all of your wages, then what? '' We sent a letter to XXXX requesting a hearing ( never heard anything back in months ), we have tried numerous times calling them, emailing them, each with nothing back. The last time we were able to actually contact them ( to where they actually talked to us ), we told them we could only afford {$50.00} a month in payments, they were quick to shoot us down and threaten that if we couldn't do {$100.00} a month, they would just take the full {$900.00} straight from our paycheck. For goodness sake, I have three young children, I served 13 years in the Military, I am a civilian XXXX XXXX making very little to live off of, but I am trying to make right on my debts the best that I can. I am so beyond dealing with this company, currently I am looking into an Attorney because several other AAFES card holders are experiencing similar issues and I don't see how this is fair. The card is too easy to obtain, because they know they can add as many fees as they want and either way it will be paid to them through garnishment. We have people struggling, but yet AAFES has enough money to hand out THOUSANDS of " STAR GIFT CARDS '' each month to winners of the contest, but someone who can not afford to feed their children due to an issue with Military Pay can suffer. If they make enough money to afford these lavish contests, maybe they need to reconsider their stand on life.

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 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Media Collections, Inc
State: FL

Complaint narrative:
MY daughter began service with XXXX XXXX. She cancelled her account prior to the contract period. She has paid her debt for the remaining months of the contract. She has received notice from them that her debt has been paid. XXXX from XXXX XXXX XXXX XXXX keep calling trying to collect $XXXX plus from her. She calls once a week. I have told her the debt is paid.

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 2018-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The debt was forgiven due to XXXX and was agreed to be removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Continental Finance Company, LLC
State: WI

Complaint narrative:
I was reported 30 days late on my credit report. Once looking into why I was 30 days late, I noticed many discrepancies on my statements from my XXXX credit card. First, I do not have any statements listed on my online statements tab. Second, on my Online Payment History records, I lists payments and then lists them as payment reversed. On my Transaction history it only lists the history for XX/XX/XXXX and XX/XX/XXXX, both months having payments. On the transaction history are two different descriptions for payments. I have withdraws that state " PAYMENT-THANK YOU '' with the payment withdrawn ( XXXX ), I also have " ADJUSTMENT-PAYMENTS '' but a payment not withdrawn ( XXXX ). The Transaction History and Online Payment history do not have the same payments/payments reversed/adjusted listed. There are also payments that are on the Online Payment history that were not authorized, XX/XX/XXXX of {$35.00}, XX/XX/XXXX a {$38.00} charge was reversed yet this payment was not authorize so there should not be a reversed payment and there is a random reversal charge of {$.00}. The {$130.00} payment made on XX/XX/XXXX show that payment was accepted, and covered my XX/XX/XXXX payment, late fee and XX/XX/XXXX payment. This payment is clearly listed and was not reversed as the other payments have been. There is another payments that were accepted and not reversed, the payment on XX/XX/XXXX. 
I made a {$35.00} payment ( which was accepted ) on XX/XX/XXXX but the next was made XX/XX/XXXX of {$35.00}, but this was reversed. the next payment made XXXX, for {$97.00}, on XX/XX/XXXX, is the {$38.00} reversed payment, the XX/XX/XXXX payment was accepted but the unauthorized payment {$35.00} XX/XX/XXXX was reversed. 

Even with the payments I was never 30 days late, however, I never received a phone call stating my payments were reversed. They froze my card until I XX/XX/XXXX the XX/XX/XXXX and XX/XX/XXXX payments, which I did, and was then able to use my card. However, based on the reversed payments. Techincally, card should still be froze, I should be more than 30 days late, my minimum payment and balance should be higher. 

I spoke with my bank, XXXX XXXX XXXX, who stated that they can't see any of these transactions on my statement. This resulting in my credit score dropping XXXX points ( via 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 2018-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: GA

Complaint narrative:
Preferred Collection and Management is trying to collect a debt that I do not owe and does not belong to me. I have requested this company to provide validation of debt from original consumer, which I have not received any information relating to my request. I would like Preferred Collection and Management to remove this derogartory collection account from all credit bureaus immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
I revived notification regarding a debt owed in XX/XX/XXXX from HindmanSanchez, related to HOA fees. I was served with papers in XX/XX/XXXX regarding a XX/XX/XXXX Court Date. I reached out to the Collections agancy on XX/XX/XXXX via Email which I can provide. asking for a payment arrangement. I received a call back from XXXX  on the same day via voicemail advising about my email and payment request. I called her that same day and set up the arrangement as per my email. A direct Check mailed from my XXXX XXXX account starting XX/XX/XXXX for $XXXX per month until paid off. She advised as long as that was set up, they would be OK with the payment arrangement. HindmanSanchez recived a check for $XXXX on XX/XX/XXXX, then another check for $XXXX   on XX/XX/XXXX. then another one on XX/XX/XXXX. the first two checks were cashed. the 3rd has not been. However the amount was pulled from my account on the day of mailing. on XX/XX/XXXX HindmanSanchez had a draft of XXXX withdrawn from my account. as per my original amount owed was XXXX  no payments have been posted to my balance. as of today. the collections agency claim the draft was ordered because nothing had been posted. but they do see payments revived.  Now they want to wait to see what was revived before they refund me any money paid over the amount of XXXX. I had a valid arrangement with them, they failed to follow their processes which caused my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have had phone conversations and exchanged e-mail trying to resolve.  Chase refunded a credit balance in my account that amounted to $XXXX on XX/XX/18.  This credit showed up the same day I made a $XXXX  payment on the account.  The problem is that I was not contacted, the check was sent regular mail and they said it's because of the length of time the credit balance was reflected.  Note that the credit balance on the account, if any, fluctuates monthly so can't see how that might be but perhaps it's a regulation they have to live with.  In any event, why would they send me a check one day and on the same day I made a payment?  I'm now out the $'s as I have no access to the funds.  Have no idea when the funds will get here and they said something about a wire but that was like a week after stop payment on the check is issued.  The have taken control of my $'s, made no mention of it to me and are holding my $'s.  I believe the account would require me to pay 18% interest on  more so would expect that interest paid to me along with immediate access to the $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
US bank is holding a deposit for extended time. I normally have my paycheck deposited remotely for the pat 2 + years and they hold $XXXX then release the balance 24 hours later. Now with my recent deposit  onXX/XX/2018 for $XXXX they decided to without  warning hold a large portion of my funds for and extra 7 days. This severely affects my family and is not acceptable. How can a bank change or enforce policy as they feel fit? I have spoken to them and no one in their organization is willing to do any thing. I called the brach where the deposit was made and they wont help. My family now suffers because a corporate monster decides to hold my hard earned money, unacceptable!!

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 2018-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE

Complaint narrative:
I feel loan #XXXX is a Predatory loan with Fraud fees and services and Misleading lending and incorrect Balance Owed with shark loan interest fees and Balance never goes down after payments made and to cease desist all collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE INFORMATION SHOWED UP ON 3 OF MY CREDIT REPORT FROM XXXX XXXX   AND I WAS ABLE TO MOVE FROM XXXX like around XX/XX/XXXX AND AFTER SEVERAL MONTHS I TRIED TO WORK EXPERIAN IN XX/XX/XXXX AND I ASKED TO FILE A DISPUTE AND I WAS GIVEN A REPORT FROM experian and THEY SAID THEY IN COTRACT WITH XXXX XXXX AND THEY SAID IT WAS MINES. SO ON XX/XX/XXXX AT XXXX XXXX I CALLED THERE OFFICE AT XXXX AND THE ACCOUNT # XXXX AND I WAS TOLD IT WAS FROM XXXX XXXX OF XXXX IN FLORIDA AND I TOLD ITS NOT MY AMOUNT I HAVE NOT HAD DENTAL WORK IN FLORIDA AT ALL. IN XX/XX/XXXX MY DAUGHTER XXXX XXXX XXXX XXXX XXXX IN XXXX, N.Y. AND FROM XX/XX/XXXX UNTIL XX/XX/XXXX I WAS TRAVELING FROM XXXX, N.Y. TO FAMILY COURT IN XXXX, N.Y. SO I WAS HOME TRYING TO FIX THESE HARD TIMES. AND I SAID TO THEM THE ONLY FROM IN XXXX, FL. IS MY WHO IS XXXX YEARS OLD AND MY SISTER WHO WATCHING OVER. I KNOW AFTER THING BACK I REMEMBER MY WHO IS XXXX XXXX XXXX WHO LIVES IN THAT AREA WHO TOOK MY XXXX XXXX I.D . IN XX/XX/XXXX WHEN I WAS IN XXXX, N. Y. SO THE DEPT. OF SOCIAL SERVICE TOLD I WAS RECIVING XXXX XXXX IN FLORIDA AND I SAID NO AND I HAD TO THEM HIS NAME AND ADDRESS AND I WAS CLEARED OF ALL CHARGES! SO I TRIED TO EXPLAIN THIS XXXX XXXX THEY COULDN'T HELP ME CAUSE THEY ONLY COLLECT MONEY. SO I SAID I CAN'T PAID SOMETHING I DON'T OWE AND I DON'T KNOW ANYTHING ABOUT THOSE CHARGES AND WANTED TO PAY THEM FIRST AND THEN DO IDENTITY THEFT OR HE ME TO GO TO THE POLICE DEPARTMENT BUT, I LIVE IN XXXX AND NOT XXXX, FLA. AND THE INFORMATION ON MY CREDIT REPORT IS DIFFERENT FROM WHAT THEM TOLD ME THE AMOUNT IS {$420.00} DATE STARTED ON XX/XX/XXXX AND IN REPORT IT'S {$470.00} AND STARTED ON XX/XX/XXXX! PLEASE HELP ME I AM TRYING TO FIX THESE ITEMS IT'S HARD GET HELP.

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 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a package to Bank United back on XX/XX/XXXX in request to mortgage assistance. They requested additional information in which I sent to them in a timely manner, as of XX/XX/XXXX, I was informed my application is with the underwriter and is in active review. I am facing a foreclosure sale date on XX/XX/XXXX and the lender nor the foreclosure attorney have postponed the trustee sale, leaving me in a panic and stressful situation. I am aware of the laws of dual tracking and I know I must be provided a decision prior to the lender proceeding with the foreclosure. If I am denied loss mitigation assistance, I have the right to appeal in a timely manner. I am not sure why Bank United can not postpone the trustee sale given there are only 2 business days left until the trustee sale and leaving me to be unsure of how things will proceed and to be in a panic. Additionally, I was never provided a direct point of contact nor did Bank United reach out to me for options to save my home both which are violations of the Homeowner Bill of Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
was approved for a modification back in XX/XX/ and now Carrington Mortgage is trying to tack on extra fees that were not in the modificaqtion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased monogrammed Robes and Flutes for our wedding a day XX/XX/XXXX but received them after the wedding and the agreed upon delivery date before the purchase was made. We were also missing a glass and one was broken. We ordered from some small online company called XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. They refused to give us our money back so we filed a dispute with Ally Bank. We waited the 60 days for them to review it, and they denied us our money back.. How could we lose this dispute? 
The merchant is refusing compensation because she shipped the package before the delivery date. We agreed upon a delivery date, not a shipping date. She shipped the Robes and Flutes on XX/XX/XXXX after my request to cancel the order if it would not be delivered before XX/XX/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 2018-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I've emailed this company on numerous occasions advising them to stop contacting me, as the loan service that was provided to me I later found out was illegal under laws of the State of Florida and the Florida Office of Financial Regulation. 

This company has continued to attempt to email me and call me, and has recently started harassing friends and family attempting to collect. They need to stop harassing me or my family before I'm forced to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
My bank, XXXX XXXX XXXX XXXX, online bill pay service issues a check and mails it two days before due date that I set in bill pay. In this case XX/XX/XXXX was due date to pay credit card Co BBVA Compass. I confirmed with my bank online bill pay that check was cut and mailed for XX/XX/XXXX. 

Problem is the credit card company, BBVA Compass, receives payment check issued by my bank, XXXX XXXX XXXX, on XX/XX/XXXX then has slow processing with check posting on XX/XX/XXXX ( the XXXX as a Friday ) thereby incurring me a {$27.00} late fee and minimum interest charge of {$1.00} I called BBVA and they reversed both fees after much discussion as to why I should no be held responsible. However, when I explained that the late or slow processing is the cause of the problem at BBVA, her response is that I should be paying 2 to 3 days before the due date in order to avoid the late fee.

I do not have this problem with ANY of my other bill pay banks ... ever.

She did not seem to grasp the concept that

BBVA 's processing a payment two days after its arrival is not acceptable nor their responsibility. Hence my complaint. I have attached proof copies of payment dates and check clearing dates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX The companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. 
I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account. 
Thursday, XX/XX/2018, I called XXXX XXXX Company. I spoke with a XXXX XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of {$550.00} was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed. The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX for {$550.00}. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report. 

XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX UNVERFIED

Company response to consumer: Closed with explanation