vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
CitiBank. I have tried to settle an old debt. They indicated that the account was to old, that it had passed the statue of limitations. I sent in multiple payments trying to open the account back up as indicated. They never opened the account back up so I could negotiate a settlement. They then sent a letter indicating that they charged off the account. They continue to report this to the credit bureaus.

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 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
account XXXX I have yet to receive full Validation of Debt regarding this alleged debt. It is to my knowledge that this is not owed. My full request is incomplete below are the requests : 1. The agreement which authorizes the creditor to collect debt on the alleged debt 2. The signed agreement from the debtor conforming to pay the creditor 3. The documents regarding the payments made on this account validating the amount.

4. Documentation showing you are licensed to collect debts in Ohio. 

In addition, I was again threatened to have the police called on me. This is all because of an alleged debt that I do not feel I owe. I feel incredibly threatened by First Federal Credit Control. In addition, it was informed to the CFPB that I was confrontational, and called 7 times. Calling my confrontational is slanderous and a violation. The reason I called was due to the fact I was hung up on several times and my inquires were not answered. This is considered entrapment, intimidation and a clear violation. I request this is off my credit report - I ask First Federal Credit Control to cease and desist. In addition, I hope that this is rectified soon as I do plan on escalating these threats/ violations if not rectified timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Due to Hurricane  XXXX in XX/XX/XXXX, we were granted a 6month deferment thru XX/XX/XXXX with LC. 

However in the interim : ( 1 ) they have reported us negatively to all 3 Credit Bureaus - after saying we wont receive delinquent fees or reporting ; ( 2 ) they have yet to provide us with an itemized payment report per XXXX XXXX, a Supervisor, stated he was going to mail that report ; and ( 3 ) The ENTIRE STAFF is ALWAYS rude, condescending, impatient, & unknowledgeable of the status of our modification. 

We have resumed our monthly payments & cleared 4 of the 6 payments in arrears. But when we call in with questions, we are consistently told that we must speak w/a Rep from the Loss Mitigation Dept. - but good luck w/that! No one can tell us " who '' our Rep is & when we are given a contact name, that contact is constantly reassigned so we are never clear " who '' is our current point of contact. That person NEVERS returns messages either emailed or verbally left w/the Customer Service & Collections Depts. XXXX XXXX in the Underwriting Dept. was supposed to call us regarding the status of our modification it never happened! 

Our monthly payment amount has fluctuated via a written statement & via verbally told by a Rep. The only explanation provided was, " disregard that statement - you will get a new payment amount when the underwriter completes your modification. '' Currently, we are unable to access our account online XXXXdue to this supposed " modification process '' - but guess what LC, WE HAVE BEEN TRYING TO PAY THE 2 ARREARAGE PAYMENTS!!! This process has taken forever, so we dont want nor need your modification with only a {$4.00} reduction in monthly payment!!!

After experiencing Hurricane XXXX & hearing the recording that said LC was here to help - we do not feel valued as their new consumer nor do we receive respect from ANY of their employees ( employee # XXXX on XXXX @ XXXX CST ) when we call in. This includes extremely rude supervisors, such as XXXX XXXX that shouted @ me on XX/XX/XXXX @  XXXX CST. We have even had employees disconnect the call, after we have asked to speak w/a supervisor. 

Again, LC is attempting to collect a debt well, we have been attempting to pay a debt - but since our initial phone call in XX/XX/XXXX after Hurricane XXXX, we have had the worst experience ever with a company who holds the  mortgage on our largest asset. YOUR ORGANIZATION SHOULD TAKE A CHAPTER FROM XXXX & CLOSE FOR AN AFTERNOON TO PROVIDE PROFESSIONAL, COURTEOUS & EDUCATIONAL TRAINING.

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 2018-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Our mortgage got behind XX/XX/XXXX because of my mother XXXX XXXX. 
I applied for a mortgage modification with our mortgage company Select Port Folio. They processed my request and on XX/XX/XXXX I received Trial Modification Retraction from Select Port Folio after I had made 2 Trial payments of the 3 payments that is required per the Trial modification I received.

I have recently resent request for mortgage modification with financials to them again.

I do want to keep my home. Please help me with this modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX, after seeing two collection accounts on my credit report that I did not recognize, I called Synerprise ( the collector ) for an explanation. I was told that the original debt was for medical bills for XXXX XXXX for invoices dated XX/XX/XXXX. I had been shopping for a mortgage and was frequently checking my credit report. These items were not previously on my report. 

On XX/XX/XXXX, I called the original creditor, XXXX XXXX XXXX and spoke with billing representative XXXX. I explained to her that I had never received an invoice or a request for payment of service. XXXX explained that a statement had been sent via US mail. I gave XXXX my current address, as well as a previous address. She stated that the statement had not been sent to neither of those addresses. She would not tell me the address to which the statements were sent nor could she tell me where they had received the incorrect address. I explained to her that all of the information provided to the hospital and my insurance company reflected my current address. XXXX explained that they did not receive my address from the hospital, but could not explain from where they had received it. I requested to have the account pulled back from collections so that I could pay them directly. I was told this was not possible. I was also told that the account had been turned over to collections in XX/XX/XXXX. I requested to speak to a supervisor and was told that the supervisor would need to return my call. I left my phone number and we discontinued the call. I never received this call. 

It is completely unfair that these charges should count against my credit report when I was never given the opportunity to pay them. I have been at my current address since XX/XX/XXXX and all of my information was accurately reported to my insurance company and the hospital when I registered for XXXX. Both the original debtor and the collections agency understand that the invoice was sent to an incorrect address, but refuse to rescind the collections account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
I told agency to stop contacting me regarding. 
They stated that they will take me to court and put me in jail. 
And also mentioned my house and vehicles and my credit card information. 
Now i am afraid that they know where i live and what vehicle i have

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
I have a medical collection on my credit file that i have been disputing for several months that doesn't belong to me. I have always had medical insurance through my job and i even went to XXXX XXXX XXXXXXXX XXXX to ask about the account and they had no record of me with an outstanding bill. XXXX XXXX still has not deleted this account and they keep saying its verified but have not sent me any proof that it belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Constant robo calls every 2 hours of every day.

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 2018-05-02 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: LA

Complaint narrative:
I submitted my complaint of XX/XX/XXXX and received a response that all permissible inquiries, shall remain on the credit report for two years. These are not permissible, " I have not applied for any account with the companies listed below '' These are not authorized hard inquiries. 

Never applied for and I never authorized, to have my credit pulled. Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. Factual Data XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX   XX/XX/XXXX ( credit card ) I also have a address at 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 2018-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hard Inquiries.... I recently bought and paid cash for 2 cars at two different dealerships ; XXXX XXXX and XXXX XXXX. For whatever reason, they still had to do what they called a SOFT credit check which would not disturb my credit rating. These 2 soft credit checks do not appear on my XXXX report, but they do appear as HARD inquiries on my TransUnion report. They should not show on TransUnion and I would like them removed. Please help. Thank you! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX last 4 digits of SS # : 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 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: PA

Complaint narrative:
I SENT ON XX/XX/XXXX A CEASE AND DESIST LETTER AND FOR THEM I COMPLIANCE TO FTC AND XXXX XXXX, REMOVE THIS DEBT OFF MY CREDIT FILE WITH ALL 3 CREDIT REPORTING AGENCIES, THE ORIGINAL CREDITOR XXXX XXXX, STATED THEY WOULD REMOVE AND CLOSE CHARGE ACCOUNT WITH A {$0.00} DOLLAR BALANCE AND DID SO AS OF XX/XX/XXXX, THIS COMPANY JH PORTFOLIO IS A COLLECTION AGENCY THAT IS IN VIOLATION OF MY STATES STATUES, SINCE IT WAS FROM XX/XX/XXXX, FORWARD ... BEYOND 2 YEAR LIMIT OF FILING OR COLLECTING.

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 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Telerecovery is reporting an unknown medical account ( s ) ( XXXX ) ( amount {$580.00} ) reporting on my credit report ( s ). I mailed Telerecovery a tracked letter via the United States Postal Services on XX/XX/2018, requesting validation of the debt/account ( s ) Telerecovery is reporting on my credit report ( s ). More than thirty days have passed since I mailed Telerecovery the letter requesting debt validation for the account ( s ) their company is reporting on my credit report ( s ) ; Telerecovery has not responded to my letter requesting debt validation. When Telerecovery did not respond, I contacted the original creditor ( s ) listed on my credit report ( s ) for whom Telerecovery claimed to be collecting the account ( s ) /debt on the behalf of. The original creditor ( s ) stated I did not have any outstanding debt/account ( s ) and that my medical insurance had paid the account ( s ). Moreover, Telerecovery placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Telerecovery never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ).

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 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
They call numerous times through out the day. I have asked them to stop calling me and only communicate with me through mail. They refuse to take me off the list and ask me personal questions like my social security number and address and refuse to tell me anything else. They call from different numbers with the same area code. This has been going on for a little over 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since the closing of my home loan, theres has been an escrow account in which property taxes and Home insurance were paid paid out of. My payments are 100 % paid on time. 
In XX/XX/XXXX, I received a letter from the citys department of finance stating that a tax lien would be sold in XX/XX/XXXX, if the amount of XXXX was not paid by XX/XX/XXXX. For several weeks I reached out to The mortgage bank to resolve this matter, and was given the run around. Finally, in the end of XX/XX/XXXX, I was advised by the bank that the a check was mailed to the city resolving the matter. However, the bank used the funds in my current escrow account to pay property taxes that they did not pay in XX/XX/XXXX, which was an error on their part. My escrow account is renewed every year, which means that capital one made an error, by not making he quarterly tax payment in XX/XX/XXXX, and used the funds in my escrow account so that I essentially paid twice for the same quarter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Wrongfully charged for payment protector service I did not authorize.

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 2018-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is response to my original report XXXX about PORTFOLIO RECOVERY ASSOCIATES INC. in response to there XX/XX/2018. 

A copy of this letter was also sent via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
I have been called by this " Northstar Location Services '' company, stating I owe money. 

They do not mention to whom or how much debt I owe. I get phone calls from them almost every single day, for a few weeks now. 

hey always leave a voicemail, but tell me just that I owe money and identify only that they are " Northstar Location Services '' They call repeatedly and do so during my work day, disrupting my XXXX and causing workday issues. I feel like this is harassment at this point because they just keep calling, even though I send it to voicemail and/or do not answer since it is workday hours. 

I have been phone as early at XXXX by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: PA

Complaint narrative:
There was auto account on my credit that i asked Equifax to verify. Instead, Equifax removed the account out of collection and re-reported the account as 90days late payments. I never received any notification that the account belonged to me. i notified the company asking for verification and there was no response. Instead it was re-reported as late. and i have yet to receive that notoification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: OK

Complaint narrative:
Our homeowners insurance decreased significantly in XX/XX/XXXX following a review after fire codes in our area had significantly improved. Our insurance had just been paid from our escrow account so the insurance company sent a refund for around {$4000.00} to us & our mortgage holder. My husband spoke with Statebridge and they said they would submit a request for an escrow analysis. We never heard anything from them so he called again a few months later. They said that they didnt know anything so the customer service representative told him they would submit another request for escrow review. Several months passed so I called the lady told me the same thing. She would submit a review of the escrow and that she should know something the next week. I called the next week & she recommended that I write a letter explaining the situation so she could submit it with the requests. I promptly emailed my letter. After still no answers I called on XX/XX/XXXX and spoke with XXXX XXXX at Statebridge. He told me that they only do escrow reviews annually and that ours wasnt due until XX/XX/XXXX. I am very frustrated that after several months of them telling us that they would submit a request for a review that now they are saying it was never a possibility. Not only are they holding our {$4000.00} but they are also charging us around {$300.00} extra every month that is going into our escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I SENT ON XX/XX/XXXX A CEASE AND DESIST LETTER AND FOR THEM I COMPLIANCE TO FTC AND CREDIT LAW, REMOVE THIS DEBT OFF MY CREDIT FILE WITH ALL 3 CREDIT REPORTING AGENCIES, THE ORIGINAL CREDITOR XXXX XXXX, STATED THEY WOULD REMOVE AND CLOSE CHARGE ACCOUNT WITH A {$0.00} DOLLAR BALANCE AND DID SO AS OF XX/XX/XXXX, THIS COMPANY XXXX XXXX IS A COLLECTION AGENCY THAT IS IN VIOLATION OF MY STATES STATUES, SINCE IT WAS FROM XX/XX/XXXX, FORWARD ... BEYOND 2 YEAR LIMIT OF FILING OR COLLECTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: Nelnet, Inc.
State: IL

Complaint narrative:
I am serious about the applicability and reliability in the recent study along with the balance and missed payments pertaining to NELNET LNS accounts and exactly how they are reporting on my credit report. With Section 1681 ( g ) I  recommend them to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but until now no information received. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with explanation