vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Attached is a timeline starting from XXXX XXXX,19 documenting  dates/times/SPS rep names of phone conversations. I am Appealing SPS 's continued practice of illegal Dual Tracking while in Active Modification, as well as in legal disputes, and while waiting for SPS responses to my written requests. During this entire time SPS has ALWAYS held a sale date over me signifying they are not serious about modifying my loan but taking my property away with foreclosure. I am reporting SPS 's deceptive, unfair business practices, deceitful, non-transparent dealings as well as dual-tracking violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DriveTime
State: LA

Complaint narrative:
I was getting ready to apply for a car loan, I realized they weren't anywhere near me. They called and I explained this to them. I asked them not to pull my credit report, they did anyways without my approval. Then they did it again and I called them a second time. I'm trying to repair my credit and I don't want anyone pulling my credit report without my approval. Many companies does this even after you call them and keep pulling it after you tell them to stop. PLEASE help 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 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
Waypoint Resource Group has reported a collections debt in the amount of {$610.00} in my name to all credit bureaus. I never received any phone calls or any correspondence in the mail from them regarding this matter. The company for which they are trying to collect is a cable company with which I currently have an account in good standing. When I try calling Waypoint to talk to them about this matter, I am unable to get through to speak with a human being. They also just recently in XXXX of 2018 re-reported this debt over a year after they had first reported it ( I have previously reported this as inaccurate to the credit bureaus, but it still has not been removed ), so after I reported that it was showing on my credit twice, they removed the older account, and now it is showing that it is only a 3 month old account. This is not an accurate account and needs to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I am sending in a Qualified Written Request to Select Portfolio Servicing as I believe they don't have legal standing to be servicing this loan. I also believe that there are " errors '' in the fees and overall accounting of this account and I am requesting verification from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had made previous purchases on promotion with XXXX XXXX, differed interest for so many months, I have one purchase that ends on XX/XX/XXXX with a balance of XXXX, one that ends on XX/XX/XXXX with a balance of XXXX and the most recent one with a balance of XXXX ending on XX/XX/XXXX. up untill now the majority of my payment has been being appied to the purchase promotion due to end in XX/XX/XXXX but this months payment went mostly to the newest larger purchase. I called and was told that each purchase has its own min payment. I asked about the extra i sent above the min payment and was told that the extra must be split between the 3 purchases as well. This will make it impossible for me to pay off the promotion due to end soon without paying off the entire balance. I believe this is an unfair practice that will lead to them recouping the differed interest and that the promotion is misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Works & Lentz, Inc
State: OK

Complaint narrative:
I have offered to make payments on my debt, but told the collection company that I wanted somthing sent to me monthly to make the payments. They refuse to send any type of statement saying that their company doesnt do that. I am not sure of the date of the call they specifically said that, but it was near the end of XXXX beginning of XXXX. Since then they have submitted a garnishment to my job to collect the money. I have yet to see any money taken out by my company. The person that called me from Works & Lentz was also rude while telling me that.

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 2019-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-16 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: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
I've received a letter requesting payment of a debt from a 3rd party collection agency. 
I've responded with a letter dated XXXX, requestinq debt validation for the account, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. 
No other communication was received from the collection agency, as well as any type of verification, validation or answers. 
A negative remark was made to the Major credit bureaus and to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: EdFinancial Services
State: CA

Complaint narrative:
I was on a standard repayment plan and applied for an income driven repayment plan on XX/XX/19. I completed the initial application through FSA.gov and then submitted my pay stubs and the rest of a paper application to Edfinancial,  my student loan servicer, as required. I requested I be put into whatever income driven plan I qualified for, NOT forbearance. I received a message on XX/XX/19 that my income driven repayment request was approved. However, today, XX/XX//19 I checked my account, and instead of an income driven plan, they have put my loans into forbearance, which is a terrible outcome for me and absolutely not what I requested. I understand this is a common issue with student loan servicers and I did everything I could to avoid this outcome by following the directions I was given, and it still happened. I have sent a message to customer service via Edfinancial 's website as there is no phone customer service on the weekend, and am submitting this complaint not in the hopes this issue is rectified as soon as possible. 

Every day this continues is another day that interest is going to be capitalized on my original balances, and I am worse off than just staying in the standard repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in XX/XX/2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
On XX/XX/XXXX I received a robo-call from Revenue Group of XXXX Ohio. As I have no accounts in collections and an excellent credit score, I returned the call to inquire what it was in regards to and ensure no liability. I reached a man on the phone, I'm unsure if he told me his name, and he recited the standard 'attempt to collect a debt ' speech. After verifying my information ( I've since remarried but didn't give him my new name, I did provide him an updated address for mailing purposes ), he informed me the debt was for XXXX XXXX from XXXX for {$120.00}. I informed him that 10 years have passed on the debt, if I even owed it but I certainly can't remember a medical bill from that long ago, but regardless it wasn't collectable.

He INSISTED that medical debt in Ohio was collectable for 25 years and that I would be sued over this debt, which I know not to be true. 

I requested debt validation to show me a copy of an original contract or some other information proving that I owe a debt, and that all future contact should be via mail only, at which point he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in XXXX. My credit cards from XXXX XXXX were included in my bankruptcy. XXXX XXXX & XXXX acquired these former XXXX XXXX credit accounts and converted them to " XXXX XXXX XXXX & XXXX. '' The XXXX XXXX XXXX & XXXX were ALSO included in my bankrutcy. 

XXXX XXXX  & XXXX/XXXX  XXXX XXXX & XXXX continued to collect on this account after my bankruptcy file date and reported the account to Equifax as being " charged-off '' in XX/XX/XXXX. As of XX/XX/XXXX, the account STILL shows a charge-off status on Equifax, instead of " included in Chapter XXXX bankruptcy. '' These actions violate the the automatic stay provision afforded debtors pursuant to Bankruptcy Code 11 U.S. Code 362. I have now disputed the reporting of this account several times, and both XXXX XXXX & XXXX/XXXX XXXX XXXX & XXXX AND Equifax keep verifying their reporting as accurate, and it is not. 

The " charge off '' status of this account is inhibiting my ability to rebuild my credit. The account was included in my bankruptcy, and my credit file should reflect that fact. 

I have attached the dispute results from Equifax regarding this matter ; the results are current as of XX/XX/XXXX. 

I am requesting that XXXX XXXX & XXXX ( XXXX XXXX XXXX & XXXX ) update the account language and descriptors on my Equifax file to read : " included in Chapter XXXX Bankruptcy. '' Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 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: MA

Complaint narrative:
I am a victim of identity theft. I have reached out to the credit bureaus on numerous occasions. I've called, mailed in certified mailed and opted out as well and nothing has been done. I've been contacting them for over 3 months and nothing has been done. I am currently in the process of filing a lawsuit against XXXX, Transunion and XXXX. My lawyer XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX has overseen my claims.He has done a thorough investigation pertaining to the documentation and detailed record of certified letters with the credit bureaus that I have provided and realized that the XXXX, Transunion and XXXX are in direct violations of the fair credit reporting act ( FCRA ). here are the fraudulent accounts and inquires as it pertains to each bureau XXXX  XXXX bank {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XXXX {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX TRANSUNION XXXX XXXX {$350.00} XXXX XX/XX/XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX {$63000.00} XXXX XX/XX/XXXX XXXX {$660.00} XXXX INQUIRES XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In our pending lawsuits, we are holding the following individuals responsible for negligence .These individual will be named in the lawsuit if accounts aren't removed immedediatly. as followed : XXXX  XXXX XXXX XXXX Operations XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX fraud and identity Management XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXt XXXX XXXX ID Theft XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] '/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I received a letter from Phoenix Financial Services early XX/XX/2019 with an offer to settle my {$1200.00} medical debt for a discounted {$500.00}. If I checked the box I was agreeing to the offer and this would resolve the debt along with instructions where to send a check. A week later the check was cashed and the debt was off my report. Three weeks from then my XXXX XXXX notified me that they have now reported the balance of that debt. This was not the written agreement. I have now received another letter as a false " second attempt '' stating they are offering I can pay a discounted {$300.00} of the remaining {$760.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in 2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.

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 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
This company obtained a judgement against me for a credit card debt that is more than 5 years old, they are now attempting to renew the judgment against me. I never received a summons to appear in front of a judge. The original credit card was for less than {$400.00} dollars and they are attempting to gain a garnishment against me for over {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged a insufficient funds fee of {$34.00} on XX/XX/2019 for a transaction made on XX/XX/2019. Also on XX/XX/2019, I made a deposit to cover the transaction. 

When I called the bank to request a reversal of the fee because I made a deposit to cover it, I was advised they would not be able to do that. 

They also have the incorrect date for the transfer. I made the transfer to cover the transaction on XX/XX/2019, and not on XX/XX/2019.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PMAB,LLC
State: NC

Complaint narrative:
To whom it may concern, I am writing because XXXX XXXX facility has paid medical bills through North Carolina Medicaid on my behalf. However certain accounts were left off of the billing cycle. During this time frame myself and newborn recieved medical services from North Carolina Medicaid. The accounts are as follows : $ XXXX XXXX, XXXX XXXX $ XXXX XX/XX/XXXX The company refuses to provide me billing information dating to the times I was pregnant and a client up until my XXXX was released from the XXXX. In which the XXXX bill was covered by Medicaid which range from XX/XX/XXXX-XX/XX/XXXX. 

2nd company- XXXX Department of Social Services I applied for XXXX Medicaid XX/XX/XXXX, verification of XXXX was requested by department of XXXX Social services . I provided verification on XXXX of XXXX. I was sent an approval letter. The department of social services can not locate or providde a copy of the approval letter. For XXXX or family medicaid.

Company response to consumer: Closed with explanation