vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: KY

Complaint narrative:
at XXXX XXXX. i received a phone call from enhanced recovery at XXXX XXXX giving me a phone number which being the same as above, with a medical number of XXXX stating that this was a debt collection agency, when i called to the number to complain they want me to sign up for a free florida vacation. If you answer the questions to satisfy them they switch you to a XXXX XXXX talking about the free vacation. I told them i received a phone from enhanced recovery and had a reference number stated above and they hung up. This telephone number calls my phone numerous times a week, so i decided to return the call and found out it was fake, i would like to have this business checked out, i am on the do not call list, thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XXXX XXXX, XXXX a XXXX Checking Account of {$260.00} was opened with the Citizens Bank in XXXX, CT as a requirement for an IRA account. The IRA was moved on XXXX XXXX, XXXX and the checking account was left. Unbeknown to us, because of insufficient funds ( {$5000.00} or less ) in the bank, a charge of {$17.00} was being removed from the account on a monthly basis. We had no idea that this was happening! No contact from the bank was ever made to alert us either by mail or e-mail. We have never received any statement from the bank from the onset. We never agreed to an e- statement they said we did. 
I filed a complaint with the State Banking Commission who sent it along to another because of not being of their jurisdiction. The case no. Assigned is XXXX. 
I received a letter from theCitizens Bank XXXX XXXX with copies of statements showing the depletion so that we never received! They also refunded one half of the funds, {$130.00}. I called her and explained the above and said that was all they were willing to do. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my credit score negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my XXXX XXXX negatively.

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 2017-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, I sent IC System Collections a certified letter requesting validation of a debt they say I owe. The said letter was received on the XXXX day of XXXX. In that letter I asked that they validate the debt within 30 days ; However, I never got a response from IC System. 
As stated in such letter, I requested any debt that could not be validated, be removed from all three bureau 's in which it is being reported. There are XXXX accounts with this company that is being reported negatively with the bureaus. Having this report negatively and not being validated per my request, within the timeframe, is a direct violation of my FCRA RIGHTS. Because of IC Systems failure to validate a debt in a timely manner, I am asking that the accounts be deleted from all reporting agencies. 

Thanks kindly

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 2017-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: TN

Complaint narrative:
They are stating that I owe XXXX thats not true. Also I was in contact with the original creditor and on payment arrangements when this debt was place on my credit report. I have never done business with Monterey Financial Services. I do not have a signed contract with Monterey Financial Services. I have a right to demand that Monterey Financial Services furnish the signed contract between them and myself. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed ( see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX stating that my account owing XXXX was not paid off. This was one of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and MCM says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I received a correspondence from XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX about an alleged debt. On XX/XX/XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XX/XX/XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XX/XX/XXXX, I received an alert from XXXX stating that First Federal Credit Control added a collection account to my credit report. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any documents to properly validate the debt per FCRA. 
On XX/XX/XXXX, I sent another complaint through CFBP,  and they completely ignored it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I initiated several disputes with all three Credit reporting agencies regarding fraudulent accounts being reported into my credit report. At the time I have applied for a Mortgage Loan and the creditor advised me that I had several derogatory marks in my credit, that prevented me from getting an approval. To my surprise there were 16 account being reported into my credit reports, some with incorrect payment information or resolution and some that were simply not mine. At the moment my credit score was fluctuating between XXXX - XXXX when I initiated the process. After most of my disputes were resolved, still pending 2 accounts and my credit score stayed exactly the same.

I called all three agencies to verify the reasons why my credit score never got recalculated. All three companies assured me that it got automatically recalculated by the computer once the accounts were removed, although there is no difference. They also advised me that if I applied for a mortgage or a credit loan I could get what is called credit re scoring which is basically the bank requesting a re score based on the fact that all my accounts were cleared.This will translate into me paying a mortgage company to re score my credit with this three companies when the companies should have re score in the first place. 

I sent Transunion and XXXX a letter, formally requesting this re-scoring process to them and their response was that I will receive a letter with instructions on how to request my credit score.

In addition, these three reporting companies are not reporting any payment history or credit age on my credit reports, which is also impacting my score. 

Finally out of the three reporting companies both Transunion and XXXX were able to verify the accounts as fraudulent, still XXXX keeps going around on their investigation and updating the account information without really having proof of ownership from the creditors, although I started a Identity Theft claim. 

I do n't believe I should be penalized on my credit scoring due to accounts that were never mine and that hurt my credit tremendously, reducing my credit score on over 150 points. 

Best Regards, 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 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Starting in XXXX I started a program through the XXXX XXXX XXXX. After dealing with a few different problems with them & getting consumer finance involved before, the program was completed XXXX see attached documents ). 

Now I am receiving documents from XXXX XXXX XXXX on behalf of Barclays Bank Delaware stating that my account owing XXXX was not paid off. This was XXXX of the debts that was consolidated within the XXXX XXXX XXXX XXXX. This amount due was paid in full in XXXX. Documents attached prove this to be so. 

I have reached out to both companies. XXXX XXXX XXXX says that they can not help me due to the completion of the program, and XXXX says that they received my proof of payment but their records are correct and show that I still owe this amount. 

Please review attached Documents.

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 2017-10-25 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: TX

Complaint narrative:
I received a copy of my credit report and TransUnion is reporting 2 accounts with XXXX XXXX XXXX & XXXX XXXX XXXX as being in Bankruptcy and that not correct. Please any help you could give me would be appreciated. Those two were not in BK.

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 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
I currently have a personal loan through OneMain Financial. I have never missed a payment for the life of the loan. I usually mail my payments in, so typically the postmarked date is used. Also, on their payment form, there is a payment due and a payment due 10 days or after date. However, their office in XXXX, IN where I originated the loan constantly calls me the day it is due and every day after. 

I contacted their corporate office and explained what was going on, and XXXX at the XXXX office contacted me and let me know that they would give me a 10-day window before calling. 

Within the last 3 months, XXXX at the same office has started calling the day it is due and so on. On XX/XX/XXXX I received a phone call, a page, and an email all within 5 minutes. 

NONE of my other creditors or utility companies use these practices, so I can not believe that these actions are legal. These practices are predatory at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have tried on several attempts to get this company to validate that Im the responsible party that owe this debt but they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX at about XXXX Eastern, I stopped into the XXXX XXXX branch of Suntrust to deposit loose change that had been collecting over the last year. The teller advised that they do not have a change counter and refused to accept my coins. The teller further advised me to go to a local grocery store to have it converted into dollars. Later the same day, I called Suntrust to discuss the matter with them and to look for an alternative branch ; however, they informed me that it is their policy to only accept rolled coins and they would be of no further service to 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 2017-10-25 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: TX

Complaint narrative:
There are XXXX unknown accounts reporting and I need help because Equifax does not respond. There is an account ith Syncb/CCDS XXXX and Syncb/DISC XXXX. These are accounts that I am unfamiliar with and Equifax wo n't send me information showing me true validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
On XXXX XXXX, XXXX, I called Navient to ask for a forbearance while I changed banking institutions and updated my income driven information. I spoke to a representative, who prompted me to change my repayment plan. He took my SS # and bank account number. Navient charged my account on the XXXX of XXXX, per usual, however, " they '' were supposed to charge me on the XXXX according to the new contract. I contacted Navient on XXXX XXXX as to why I was charged, the representative could not assist me. I asked for a supervisor and was on hold for XXXX minutes.I never spoke to the supervisor. I hung up so I could call my bank and cancel that payment. 

The next day ( XXXX/XXXX/XXXX ) after reviewing the contract I had e-signed, I saw an address on the contract. I looked up the address using google and the first hit that was shown was " Navient XXXX XXXX XXXX, XXXX. '' I called Navient once again and they said they were not affiliated with that company. 

I used google to get the Navient phone number when I was connected to " Navient XXXX XXXX Services. '' How is it that this third person company had information about my loans? The reason I trusted this company and fell for their trap was because they new what should have been private information. After calling the XXXX Navient, they disclosed that there is a database that exists that people can look up loan information. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pulled a copy of my credit report and noticed that TransUnion is reporting 2 things incorrectly. The first was XXXX XXXX XXXX showing in Bankruptcy and that is not correct. An account with XXXX  XXXX which is an unfamiliar account and I still do n't know who this is. I have disputed several times trying to get the two things resolved to no avail. If there is anyway your company could help me I would truly appreciate it.

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 2017-10-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
OnXX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, XXXX and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. Equifax failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. Equifax did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( XXXX or XXXX ) were able to verify this negative item and Equifax was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to XXXX and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
Have right to prepay mortgage - each time I 've prepaid, mortage payment is not allocated to correct accounts ( eg mimum payment vs. additional principle ). Most recently, although paid ahead two ( 2 ) months, received a notice saying that 'there are unapplied funds ' that they did not know where to place. As each payment has been accompanied by a payment stub that outlines where funds should be applied ( still pay by check ) I 'm confused as to why this continues to happen. Given that they are now holding out funds vs. applying to principle ( as outlined in my payment stub included ) technically means they are earning interest off of the principle amount NOT reduced by this amount of funding/payment being made. Name of mortage company is now Mr. Cooper (  previously, XXXX XXXX XXXX ). They are also stating that there is a 6mo prepayment heirarchy - this is the second item I want to dispute as there should be no cap to number of months that I should, contractually, be able to pay for whatever period in advanced as it is a 'no prepayment penalty ' mortage they are servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I got a credit card from the XXXX and XXXX XXXX XXXX and was unable to make payments. Now they are garnishing my social security XXXX income for apx $ XXXX. Had I known that they could do this, I would have made payments. Also, I do n't recall ever receiving any disclosures stating that should I not be able to make payments, they could and would garnish my XXXX income.

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