vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Hello, I received a call for an unknown number on XX/XX/XXXX. The woman stated she was scheduled to process serve me papers on XX/XX/XXXX in regards to a civil suit. When I pushed for detail, she gave me a telephone number ( XXXX ) XXXX and a File ID # XXXX to call. I call this number and explained what the woman said. The man asked me for my name and case ID number. I asked him who he was with and he said XXXX XXXX XXXX XXXX. He asked me to hold, so he could reach out to the assigned attorney for a hard copy of my case file. Both he and the woman asked me to confirm the last -four digits of my SSN ( which I did after they repeated it to me ) several times. 

After waiting for a couple of minutes, the man states their client Huntington Bank is planning to file a civil suit against me for a 2008 overdraft balance of {$660.00} for an account ending in XXXX. I asked for a written documentation, of the alleged balance due, court filings, etc, but he said the client has sent me letters in an attempt to clear up the debt. However, I have received absolutely nothing. I did have an account briefly with Huntington, but I did close it once I moved away from their branches, so I do not believe in good faith that I have outstanding debt. 

He also said unless I agreed to give him my payment information right now and over the phone, he would mark my account as " in dispute '', and I would be served on XX/XX/XXXXby the woman who initially called me. He said he was a mediator and could help settle this for less than what the suit will cost me. I told him I would not provide credit or bank card information over the phone without some kind of written proof from their office or the client. I had not received any written communication from Huntington Bank or company hired to represent them. 

He said I would receive written confirmation of the debt owed thru XXXX once I set up a payment plan with him ( as he said he was acting on behalf of the assigned attorney ). I declined to provide my payment information over the phone and without proof. He said I can then expect to be served, and hung up on me. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/18, I submitted credit dispute letter number two to Transunion Consumer Contact Department. The letter informed Transunion that I had recently submitted two debt validations letters to both XXXX   XXXX and XXXX XXXX XXXX. However, both agencies were unable to validate the debt as being mine. XXXX XXXX sent me multiple statements ; however, they failed to submitted the requested documents needed to validate the debt. I submitted documents to Transunion supporting the companies responses ; however, Transunion stated that when they disputed the credit on their end, it came back validated. I questioned Transunion as to how they were able to validate the debt and they stated the companies responded to a computer generated question, stating that the debt was validate. I then questioned Transunion as if they received supporting documents as requested in the letters that I had previously sent them and the representative responded, " no '' they had not. Transunion and the collection agencies ( XXXX XXXX and XXXX XXXX XXXX ) failed to validate that the debts is mines despite my numerous attempt. But yet, Transunion failed to remove the accounts from my credit report.

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 2018-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: IL

Complaint narrative:
On XX/XX/XXXX I received a notice for an alleged debt owed of {$600.00} to XXXX. This alleged debt I have previously disputed several of months ago and have yet to received validation. ERC ; please produce proper validation. If proper validation can not be produce in accordance to the FCRA then this alleged debt can not be reported against my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
I filed bankruptcy on XX/XX/23 and on XXXX checksmart called me to collect on this debt which is in bankruptcy, I told the representative that I filed bankruptcy and he called me a liar, said I was just saying that. I told him I have the call log on my phone which I will giving the attorney and he told me I wasnt giving it to my attorney. I informed him that collection activity after bankruptcy is filed is illegal and that I can sue them for punitive damages, attorney fees and such. He still persists I was lying.

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 2018-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
on XX/XX/XXXX I call to make my normal monthly payment of {$910.00} which was increased from {$900.00} when I tried making the payment through the automatic system did not allow me to proceed with making the payment .... So I call Shellpoint and they told me my payment had increased to {$2400.00} and I ask why so they said my escrow had increase because of a report they hot from XXXX XXXX.. Stating that I owed back taxes and there is a lean in my property ... So I ask them at that time to please overnight XXXX a copy of the the lean and a qualified written report of everything ... I am still waiting. 
After doing some research I found out that there no outstanding taxes that are due. 
I found out on my own that they paid an outstanding water bill of {$1800.00} and charging me an additional {$1500.00} per month. 
So I contacted the NYC water and they are offering a deferred payment agreement up to 10 years ... and because I just had my water main replaced they are also offering a forgiveness problem as well. 
Leans are only placed on 2 family units or more not one family. 
There was no communication whatsoever from Shellpoint mortgage company ... they have also added additional money to my account without notifying me if these expenses. 
{$900.00} up to {$2400.00} is NOT within my budget I seek fairness. 
Thank 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 2018-03-06 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: NC

Complaint narrative:
I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.

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 2018-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
When I was with this Company back in XX/XX/2007, I asked them if their was any other programs out their that I could apply for due to the fact that I was just starting to work in a XXXX. Knowing this, the company not once offered me any choices knowing that their was one out their, called a low income based one. Meaning if i worked in a low income based XXXX for 10 years my loans would have been forgiven. I called this company that i'm currently with ( two years now ) and I've been with my current job now going on 10 years this XX/XX/XXXX my loans would be forgiven!! NOW i have to wait ANOTHER 8 years!! i asked the company when this program started, they said in XX/XX/2007. Which is when i started my current job that i have been with for almost 10 years now. When I asked the company if they can go back they said no sorry cant help you at all. Which people like me has to start ALL over. which that is ALOT of time lost and not fair what so ever. I have done my time and service. To tell me I have to start over, Their should be time knocked off and or my loans forgiven I have proof of the time that I have worked here at my XXXX and 10 years of taxes if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Today ( XX/XX/XXXX ) received a letter from XXXX XXXX stating that my XXXX XXXX account had been sold to XXXX XXXX XXXX with a balance of {$930.00}. The number for XXXX XXXX XXXX does not provide a contact. Synchrony admits that the number provide is incorrect. XXXX XXXX refuses to provide any information on why there is an account balance. XXXX at XXXX XXXX advised that the only option was to talk to the collection agency ( XXXX XXXX XXXX ). At that point XXXX also advised that there was no supervisor/manager/director available to talk to and repeated that the only option would be to talk with the collection agency. 

The last bill received was in XX/XX/XXXX for {$230.00} which was paid by XXXX XXXX Bill Pay - sent on XX/XX/XXXX with confirmation number of XXXX. No subsequent usage of the credit card was made nor were any subsequent bills received. During today 's call XXXX XXXX   confirmed that they had the correct mailing address for my account. As there has been no usage of the account and no bills received there should be no balance. Regardless of that without a bill showing the balance there has been no opportunity to challenge any invalid charges. 

I have also found that the card is blocked and online access to the account is also blocked.

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 2018-03-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
XX/XX/2017 I lost my job. 

I sent over 15 copies of required and requested forms by Navient by fax and US Postsl mail and they provided no assistance. 

They with held information on available forebearance options as a means to put my account on hold so they could damage my credit history. 

I have since lost over 100 points on my credit which will impact my job search.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners
State: OH

Complaint narrative:
This company has been harassing me and my relatives about a debt that I can not verify from 2006. They claim to have sent 40 letters to me, but I have not received anything. Now they claim that the only course of action is that I pay by the end of the month or face legal action. Additionally, they have made harassing phone calls to my family about said legal actions. They are also claiming to be a third party to the actual debt collector who they will not name other than " their client ''. Finally, they also threatened to have my wages garnished by the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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 — Problem with personal statement of dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
i have sent a letter asking for debt validation on XX/XX/XXXX, on XX/XX/XXXX i received a bill. on XX/XX/XXXX i sent a 2nd request i received a bill and copy of paper work. i have not received any proof of signature of mine. i have asked for proof but still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I contacted someone via XXXX on Tuesday, XX/XX/XXXX, who claimed to be selling two XXXX XXXX XXXX wristbands for {$120.00} each. Their phone number was on the posting so I texted this person. They told me they were out of state and I asked if they could mail one of the wristbands to me. They responded, " Yeah! I work for XXXX, I can just overnight it? Have it there like Wednesday or even tomorrow '' and I responded that was okay. I asked if XXXX was okay but they suggested Chase Quickpay after I responded that I have a Chase bank account. I checked Quickpay 's buyer They gave me his email to send the money. I asked for a picture of the wristbands with the packaging for verification and they sent me a photo of 2 wristbands on top of the XXXX packaging. I sent the money and since then have sent three additional texts and called them twice and of course have not heard back from the fraudulent seller. 

Today, Wednesday XX/XX/XXXX, I called Chase customer service to see if they would reverse my payment to the scammer. They told me there was nothing they could do since the payment was already labeled as " funded '' and that I should " ask the recipient to send my money back ''. Obviously this is impossible. Chase has been of no help and I can't believe they don't help their customers who have been the victim of a scam involving their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
XXXX XXXX credit card for XXXX XXXX XXXX XXXX offered a promotional rate of 0 % for 24 months on a purchase. After 24 month period I was told by the staff member interest would start at a rate of around 27 %. Instead I received the full amount of interest charged throughout the 24 month period after expiration. {$2100.00} purchase now has {$1300.00} of interest due all at once. This was not explained at all. I call to question the charge and they said they offer a 30 day grace period after the promotion. They do not reach out to you or mention this anywhere so how could the consumer know it exists? My call was placed around 6 days after the grace period. They told me its too late. I offered to pay the full bill to avoid interest. They still said no and that I would have to pay. Its a rouse that needs to be addressed.

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 2018-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2018 I was called by Fifth Third Bank alleging fraudulent activity on an account linked to my personal, private cell phone number. I returned the call to the bank and was advised by the fraud department that my phone number is indeed linked to an account ( not in my name, or held by me ) that exhibited signs of fraudulent activity. I advised the bank that the account and activity are unrelated to me, and that my phone number should not be listed or linked to any account with Fifth Third bank, since I do not maintain any account there. I was advised that this was not possible, " since I am not the account holder ''. 

I do not want my private phone number associated with Fifth Third bank or any account at the bank, since phone number information is commonly cross-linked to a great deal of personal and financial data within the financial services community. It is inappropriate and poor financial management for the bank to allow my phone number to be improperly linked to a known fraudulent account, when I am not in fact associated with that account or fraudulent activity. My concern is that my personal phone number will be improperly linked to accounts or activity that are not related to me. 

Despite requests to escalate my request to an agent empowered to remove my personal phone number, the bank was unwilling to escalate to resolve the problem. I would imagine that this could make a worthy class action suit if consumers have been harmed by the improper linking of their data to unrelated transactions, despite the consumer 's repeated attempts to get the bank to correct its records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: First Data Corporation
State: FL

Complaint narrative:
We ran a small XXXX XXXX. We called our credit card company, First Data on XX/XX/XXXX to close the account effective XX/XX/XXXX. We were closing the business. I saw charges on one of our bank accounts that we were keeping open to pay any bills after XX/XX/XXXX. They charged us for XX/XX/XXXX & XX/XX/XXXX a total of XXXX with no activity at the business. We called to have the charges stopped & reversed, but instead were billed for XX/XX/XXXX. We have closed the account at present to stop the charges, but when we called, the representative told us that we were supposed to call on XX/XX/XXXX, of which we had not been told & that there was no supervisor to speak to ... of course untrue. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md 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 2018-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Our firm, XXXX XXXX, XXXX, has been monitoring our client 's request for release of property insurance funds issued for damage repairs that began in XX/XX/XXXX and worsened in XX/XX/XXXX after Hurricane Irma. Checks issued to my client in XX/XX/XXXX and XX/XX/XXXXby her insurance company are currently being withheld by Suntrust. Our firm recently became involved in this case and became aware of Suntrust 's refusal to act diligently and adhere by both the Mortgage and FHA guidelines requiring the release of funds for the necessary repairs.

In XX/XX/XXXX, my client received the first check from her insurance company for water damage repairs that required it be endorsed by both her and her servicer, Suntrust. At the direction of Suntrust, she submitted all the necessary documentation along with the check. However, every time my client would call to follow up on the status of the release, Suntrust representatives claimed there were no documents received and requested my client resubmit them. Despite repeatedly resending the documents, Suntrust continued to deny any receipt of documents and/or record of the claim, eventually closing it out. Most recently, the damage was worsened by Hurricane Irma and my client received another check from her insurance company for additional repairs. Suntrust again instructed she mail a package of documentation along with the check. Suntrust engaged in the same pattern, claiming not to have received the documentation, and again closed out the claim without any further contact ( Screen shots reflecting documents received and now reflecting closed attached ). 
I have contacted the servicer 's counsel regarding this issue, however have yet to receive a response from Suntrust. Suntrust continues to withhold the funds without providing any meaningful explanation for there bad faith actions.

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 2018-03-06 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received a letter in the mail from this company saying I owed money and called them to confirm. My first call i spoke with a representative who told me this debt was for a house I rented and she spouted off an address where I have never lived. I then asked her for a copy of the leasing agreement so I could verify this debt. The representative became combative and asked me why did I need verification of the debt. I told her its my legal right for the debt to be paid and I wanted documentation. I have just now received documentation but out of a 20 page leasing agreement I only received 5 pages. NONE of which can verify that it was ME who this debt belongs too. There's no copy of my ID - no date of birth information or even my social on any of the incomplete paperwork that was sent. I would either like proper verification of this debt or I would like it removed from my credit report for failure to verify.

Company response to consumer: Closed with explanation