vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I paid my rent payment to XXXX XXXX XXXX and had available funds for transaction of {$1900.00}. Regions rejected payment on XX/XX/XXXX. They admitted mistake and reimbursed me for return check fee, but theyre not willing to reimburse me for the {$150.00} the other merchant charged 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 2018-12-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
the transaction was on XXXX-18 to XXXX XXXX  in the amount of XXXX i called to question this transaction on XXXX-18. i filed a dispute and the paperwork was sent to me to fill out. i recieved the paperwork on XXXX-18 and faxed back the same day. the paper work stated if i returned this no later than 10 business days of the initial call i would receive a provisional credit. i did not receive a provisional credit. i then conducted my own investigation and since i have ordered from walmart.com i asked the to research their records if a transaction in the amount of XXXX was collected on XXXX-18. no the didn't have a collection or transaction. they connected me to XXXX XXXX  informing that XXXX XXXX and XXXX   were two different merchant. XXXX XXXX  did not have anything either because i have never purchased anything from this website. my dispute was temperarily closed waiting for receipt information of the original transaction i dont have a receipt because i havent purchased anything from XXXX grocery. i sent a statement with all this information i had collected 0n XXXX-18. and also mentioned that their were no preauthorizations for this amount and that it should have been declined because their were insuffecient funds to cover the amount of XXXX if XXXX didn't collect this money and XXXX XXXX  did not coollect where is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
I have tried to settle this before. I am XXXX and on SSI. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on SSI but they still destroyed by credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I am a previous XXXX customer. I closed my XXXX account ( XX/XX/18 ) and paid the ending balance ( {$140.00} ). The balance was not overdue/delinquent. My final bill was paid in full. XXXX informed me that my account was NOT in collection or sent to collections as delinquent XXXX XXXX XXXX has sent me a collections notice with the exact amount owed to XXXX ( {$140.00} ) when account was closed XX/XX/18. They are preemptively attempting to collect a debt and harm my credit by unscrupulously attempting to extort funds from me not owed to XXXX. 

Again XXXX did not report my account as delinquent and in collections or send my account to XXXX XXXX XXXX for collection

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 2018-12-06 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: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Receivables Performance Collection agency is currently reporting a collection on my credit report for the amount of {$1800.00}. I understand that as a consumer it is my right to challenge items on my report that i believe is incorrect therefore I sent out a second round of a debt validation letter asking the agency to prove to me that this debt is mine n XX/XX/2018. I sent this letter certified mail with a return receipt and have seen that this company have received my dispute but has yet to answer me and it has been over 30 days. They also have not updated the account to say that i am currently disputing this item which is a violation on their behalf.

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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
There was an account on my credit report with XXXX for a debt that has been closed, now for a second time a third party collection agency called XXXX XXXX  has reported this same balance on my credit report. I have reached out to them about the reporting and all they have on file may be a social security number but they do not have a consumer agreement with my signature, nor my address, or telephone numbering there system to validate this collection account. I have filed a dispute, XXXX  is taking whatever they have on file as valid and this collection company has not even sent me a verification letter prior to reporting. A prior collection account claiming they represent XXXX was deleted due to lack of valid debt information.

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 2018-12-06 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS IS NOT MY ACCOUNT. 

XXXX XXXX XXXX Opened XX/XX/2018 - {$610.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been paying on my federal student loans that are serviced through Navient. I have been set up on automatic payments for at least the last 2 years. In XX/XX/2018 I enrolled in a 4 credit course through XXXX County XXXX XXXX as part of an employer requirement for a job promotion. During that time I pay for the course out of pocket and assumed I was paying my student loans as I always have. Months later I realized that my payments were not being withdrawn and was only notified when I received an email stating that my loans were in forebearance, of which I never agreed to. I am not schedule to begin making payments again and realized that I have accrued additional interest due to the loans being in forbearance that I had never authorized in the first place. I find the tactics used by the company to be misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diaz & Associates, Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX I was informed that the mentioned business called my place of work and a message was taken. I then called the company and a XXXX answered and verified my information. I asked what this was in reference too. He then advised that it was in regards to a account in collections that his office received today. I inquired to what account and for what amount was in collections. He advised me that it was for a XXXX Account from XX/XX/XXXX for an amount of {$990.00}. He also advised me that they were trying to get in contact with my local police department to serve me with a summons to appear in court. He gave me the information and gave me two payment options. I then paused while I was looking up the business on XXXX. He kept asking me if I wanted to take care of this and I told him to hold on for a second. I did this 3-4 times. He got angry and advised me since I would not take care of this today he was going to put it onto my credit history. He then got even more mad and told me he did not want to talk to me anymore and not to call him. He then hung up on me. I was never given a debt collection statement. I also asked him to verify the debt and he refused. He stated that they sent something out in XX/XX/XXXX for a account that was given to there office today. I then called the company back and spoke with XXXX again. I told him I think we got disconnected and he said he hung up on me and that he doesn't want to talk to me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I contacted multiple different mortgage companies to shop around for a mortgage on our new home. I already had chase accounts so I checked with them as well, I was told that I would receive XXXX bonus points on my Chase Freedom card, XXXX points on my Chase Sapphire Preferred card and {$500.00} cash back in my checking account as a signing bonus once the mortgage closed. I was offered over {$2000.00} cash back with another local company but because I already had Chase accounts and they offered something comparable I decided to start a mortgage with them based on their offers to me. The mortgage has closed and I have now not received the full offers that were made. I received the XXXX points on my Chase Freedom card and the {$500.00} cash back in my checking but not the XXXX points on my Chase Sapphire Preferred card. I have contacted chase multiple times regarding this, have emails stating I would receive the points and have yet to receive them. I just spoke with chase resolutions and the gentlemen advised there was nothing he could do because they can only offer XXXX points to only 1 account. This is not what I was told and if I would have known this or had been told this I would NOT have gone with Chase for my mortgage. These points are equal to {$500.00} in cash back or {$500.00} X 1.5 for travel and I would not have gone with chase if I was not offered these perks. They falsely advertised and are not willing to follow through with their offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a dispute with Equifax on XX/XX/2018 and XX/XX/2018 with the student loan companies XXXX and XXXX XXXX XXXX XXXX/ XXXX XXXX. Prior to filing a dispute with Equifax, I contacted the company directly requesting any documentation supporting the claim that a debt is owed and they never provided any documents to support the claim. I also contacted XXXX XXXX XXXX XXXX/ XXXX XXXX directly and never received a response. From there I gather all of my letters with tracking numbers and filed a dispute with Equifax. Approximately XXXX months passed, and I never received correspondence about the disputes. On XX/XX/2018, I called Equifax to receive an update and they told me that the company verified the account. I then asked them how did the company do so and they said electronically. I then asked if they could provide me documentation from company verifying the authenticity of their response, an d the representative explained that they do not have have any documents. I then asked, How do you verify if a company is reporting false information or not, and she couldn't respond. I asked her, if there was a procedure on determining if a company is reporting false information and she said no. I explained that I had contacted the companies and that there was no documentation and even no response and I question the authenticity of their investigation. Again, she could explain or answer any of my questions. She stated that whatever the company reports is what they report and that they have no way of verifying the information being supplied is correct. With that, knowing that the two companies being disputed have either refused to respond or failed to provide documentation, this shows that whatever information that Equifax claims to have if not correct. It appears that Equifax is allowing companies to provide false information with no investigation, despite what consumers are providing as supporting documentation. I have submitted this dispute over two months ago. Disputes usually require 30 days for a response. Not only did I not receive a response, but a true investigation was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for XXXX days, Citi Bank would give me {$400.00} within XXXX days after the XXXX day balance requirement was met.

I opened my account on XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. XXXX day requirement was met two months later in XX/XX/2018. XXXX days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me and opened a case to investigate. Case was opened on XX/XX/2018. I called again on XX/XX/2018 as I did not receive any updates. The customer service representative had no updates and had no information on the investigation. The representative told me to continue waiting. The representative offered to open another investigation, however could not provide a timeline of when the investigation would be resolved.

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.

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 2018-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: SD

Complaint narrative:
I submitted my Department of Defense paperwork [ XXXX ] to be reviewed and forwarded so I can be repaid for my student loans on XX/XX/2018. After two weeks I called to ensure my paperwork was processed as normal. I was told my paperwork was lost and had not been touched since uploading it to their website. They reassured me that they would complete the work needing to be done and it would be resolved within a few days. I called approximately one time over the next 4 weeks only to be told nothing has been done with my government papers each time. My last phone interaction was XX/XX/2018 and I was told nothing has changed. For the last several years XXXX has processed my government paperwork within a few days. With every week that goes without them submitting my paperwork to the DoD, I am not getting repaid for my loans - and I am unable to use one of my military benefits defined within my government contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Please consider this my formal complaint against Sears/CBNA who has repeatedly ignored my dispute letters requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, on a derogatory account which is appearing on my consumer credit reports.

I have sent certified/return receipt dispute letters ( please see attached letters ) to XXXX XXXX XXXX requesting validation of the debt bearing my signature. These dispute letters were received by them on XX/XX/2018 and XX/XX/XXXX ( please see attached signatures ) The 1st letter went unanswered. The 2nd letter was them requesting the acct #, a copy of my credit report, & a letter of explanation. Clearly a stall tactic as I was very clear on what I was requesting from them.

Additionally, I noticed Sears/CBNA did not furnish the credit bureaus with the required disclosure of my dispute violating the FCRA Section 623 ( a ) ( 3 ) and/or the FDCPA Section 807 ( 8 ) by not placing the disclosure within the 30-day period ( please see attached credit reports ). I sent another certified/return receipt letter stating this and demanding they delete the derogatory report due to breaking these laws. They signed for this one on XX/XX/2018. They sent exactly the same response as described above. They have not deleted the account or marked it disputed.

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 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
WayPoint Resource Group ( WRG ) has placed a collections account on all three of my credit reports, XXXX, XXXX and XXXX. I have never received a letter from WRG concerning this alleged debt via US Postal mail which is required by law. WRG stated in the collections entries that this debt is from XXXX. I am a current XXXX customer and I only recently started my service with XXXX at the beginning of XXXX. Before my current XXXX Subscription, the last time I was a XXXX customer was in XXXX. I did not have service with XXXX in XXXX  as WRG has stated in my credit reports. At the end of that service in XXXX, all my services were paid for and XXXX has never contacted to the contrary. If I owed XXXX for rendered services, they could have notified me when I regained service at the beginning of XXXX.

WRG has essentially submitted a fraudulent entry on all three of my credit reports concerning the validity of the debt. First, WRG did not correctly notify me before placing the entry on my credit report. Second, WRG notated that this debt was reported to me in XXXX. Again, I was not a XXXXXX/XX/XXXX customer in XXXX. This information is false and incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Nationstar 's response to the CFPB is a blatant lie. Here is why : In XXXX of 2018 my insurance company, XXXX, issued a new policy which required Nationstar to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. Nationstar sent a second check to XXXX to account for the two policies. Nationstar know this is what actually caused the erroneous escrow amount. I was never notified by Nationstar about the two policy  payments until I called. Nationstar never worked with XXXX to reconcile the right account policy and I never received a letter from Nationstar about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my Nationstar 's escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. Nationstar and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of Nationstar. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because Mr. Cooper, formerly Nationstar, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. Mr. Cooper has changed its name but its fraudulent business practices have continued right where Nationstar left off. I hope that you will contact the firm and address this on my behalf.

Company response to consumer: Closed with explanation