vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I requested validation from this company that includes my signature. The company sent a bill statement from XXXX XXXX in which I never had an account with.

Ive also sent a certified letter on XX/XX/18 request that this company cease with the telephone calls and hey have violated my request by calling two times a day after the letter was delivered.

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 2018-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I have been struggling wit XXXX XXXX for several months now trying to get them to report my car financing to the credit agencies. The account was opened in XX/XX/2014 and placed in to " XXXX  status '' in XX/XX/2014. They claim that it is their policy to simply NOT report on military accounts and that since the account has been closed that they can no longer report ANY information. I have spoken with their " XXXX of the XXXX '' and they concluded that there was nothing they will do for me other than send me a copy of my payment history and tell me to find a means of " self reporting ''. I can understand their desire to avoid noncompliance fines and lawsuits for service members with negative credit actions, but it is discriminatory for this company to report absolutely no information about an account to the CRAs. There is no reporting of the account every being opened or closed and yet the hard credit inquiry from XXXX XXXX was still visible on my credit report. To lenders this may be interpreted as a person applied for loans and was denied. It is absurd that they refuse to report a {$35000.00} loan that had an 18 % interest rate for over 3 years and its paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
I signed a contract with Equitable acceptance for student loan management at the time I did not know that they were fraudulent company. In order to cancel my contract and I want me to pay an additional {$1000.00} to the nearly {$600.00} that I have already paid them. They are threatening to report me to the three credit companies and my credit score will be negatively affected. I already have a pretty bad credit score so this is not helping situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Cancelled online my experian account in XX/XX/XXXX, so I wouldn't be billed monthly on my checking account. I have a print out for this evidence. 

It is XX/XX/XXXX, and I am still being billed. Am not able to cancel. It has been over 4 months.

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 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
My servicer Ditech whom I have made several complaints and they do respond with a person to contact - but when you call this person they NEVER call you back! We faxed over what they asked about being on this do not call list which we never put them on, and when we call we get the same statement saying oh you are on our do not call list. So to save our home we went through NJ hardest hit fund. Ditech was in touch with this program and we closed on XX/XX/XXXX. We were required to bring XXXX to closing and NJ hardest hit paid {$48000.00} to arrearage. We were told by NJ hardest hit fund and the closing company that this would bring us current and our first mortgage payment would be XX/XX/XXXX for XXXX and some odd cents. They told us Ditech would reach out to us with a reinstatement package ( that never happened ) never heard from them and when we called they stated we owed 2 months {$3700.00} saying we owed XX/XX/XXXX and  XX/XX/XXXX. We spoke with XXXX NJ NJ Hardest Hit fund and they said this was innacurate. When calling Ditech they give us no info telling us only one person deals with this and all they ever say is they are emailing him. NJ hardest hit fund had to get back involved and they called Ditech and they said they have to research. This is a Federal program and Ditech again is not doing the right thing. when I try to reach XXXX XXXX ext XXXX it is like she doesn't exist. Now we just received our statement for XX/XX/XXXX and it says we owe {$5700.00}. They are not complying with this program and pushing us behind again after a substantial payment was made. This is unacceptable the way they do business. I would like to know how they are going to investigate this, and where did the {$57000.00} get disbursed to. If my closing was XX/XX/XXXX why wouldn't XX/XX/XXXX payment be included, that is the end of the month. NJ hardest hit fund said ditech needs to follow protocol and so far they are not!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
I've reached out to the company multiple times to get something with my information and they won't provide me with anything. I never took a loan out with the company and I don't feel I should be held responsible for money I've never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
This is my second complaint on National Credit Systems. I filed my first complaint on XX/XX/XXXX. Their, response on XX/XX/XXXX was Account XXXX. I was confused as to what Account XXXX would meant. So, I called CFPB and was instructed to refile my complaint because, the agent had never seen this type of a response an could not give me any information as to what it meant. As, stated before NCS or XXXX has never contacted me about this account. I only saw it XXXX when it was placed on my credit files. On, my files it states placed for collection XX/XX/XXXX. No one has ever given me a chance to verify this account at all. My credit is important to me so inaccurate information is damaging and cause negative effects. I am requesting a investigation into this matter again. As, I would like to know what attempts and how they contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
In XX/XX/XXXX, I applied for credit and to my surprise I had a numerous amounts of accounts from XXXX company. I contacted them on XX/XX/XXXX in reference to these accounts that were on my credit file and communicated to them that I had no knowledge of these and no communication from XXXX  in reference to the accounts. The agent then stated that they had no information on my account such as current address nor current telephone number. The operator then stated that they made several attempts to send a letter but it was a bad address and it was returned. Under the Fair Debt Credit Act at that point any information or accounts that they reported to my credit file were to be removed due to no communication from me and bad address with returned mail but that was not done. After that I given the agent my current information and requested for a validation letter with original contract with my signature, every notation, dates of service, dates and balances. She then stated that I needed to submit that in writing and so I did. In response to my request I did not receive original contract with my signature. The only thing that I have received from XXXX was a statement with original creditor, date of service, and balances. I have attached all correspondence from XXXX and myself. This has been an tremendous burden for me because these accounts are affecting me in an negative manner and are not valid because there is no way that I could have visited this original creditor that many times during that time and I do think that these accounts are fraudulent and that's why I requested a validation and original contract with signature for these accounts. In which was not done.

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 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PHONE XXXX XXXX XXXX XXXX filed legal action against me ( XXXX XXXX ) in XX/XX/2017 regarding a XXXX XXXX XXXX credit card. 

XXXX XXXX XXXX sold this account to XXXX XXXX. I disputed this complaint in court and won the case, Judgement for Defendant ( see attached ). 

I sent the attached later to all 3 credit bureau. ( XXXX, XXXX, and XXXX ) who conducted an investigation. 

XXXX  received my documents that released me from this obligation and they DELETED it. 

XXXX XXXX is still reporting to XXXX and XXXX that I owe this obligation. 

I am requesting to have this derogatory XXXX XXXX account DELETED from all three ( 3 ) bureaus immediately. The court ruled : " Judgement for the Defendant '' I do not owe anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
We have repeatedly asked for a history on our loan, and have yet to receive one. We noticed on recent statements that we are being charged interest on fees the service provider is charging that we have not been notified about. ( quarterly appraisal fees? ) We have also received correspondence in incorrect names with our mortgage loan number and address. We also have reason to believe our escrow account has not been properly managed as we are now due for two years of insurance in our latest statement.We can not get answers from the ombudsman email address or via phone. We have reason to believe they are in violation of several fair lending laws. Our home has been undervalued so we continue to pay PMI, on which the premiums keep increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: CO

Complaint narrative:
On XX/XX/2018 I sent a dispute letter to Experian regarding an account on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$17000.00} in XX/XX/2018. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/2018 I received a letter back from Experian stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

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 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax reports my previous address from twenty years ago as my current address and refuses stop sending me a letter stating that this address, referencing my current address, has recently changed. Every year they send me this specific letter stating this change of address within the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Integrated Recovery Services
State: GA

Complaint narrative:
XX/XX/2018 Calls came to my mothers cell phone and also my work phone pertaining to a debt that I am unaware of and is not listed on my credit report. The company never offers information of the original lender or company. They just call and leave very aggressive messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I received a notice in XXXX from XXXX XXXX raising my credit limit ( letter dated XX/XX/2018 XXXX on their cc along with receiving a bill from them. I also received cc denial letters from XXXX ( letter dated XXXX XXXX ) and XXXX XXXX ( letter dated XX/XX/2018 ) which I never applied for either ( I applied for NO new credit cards ). I immediately called all of the cc companies that I received letters from and the only cc that I had a balance on was the XXXX. I talked to XXXX and told them that I never opened a cc with them and they said they would look into it. I received a letter from them dated XX/XX/2018 stating that the investigation has been completed and that their research shows the account is valid and that I am responsible for {$2700.00}. After receiving this letter I immediately went to the police department and filed a police report. The XXXX learned that a cc was obtained online in my name and XXXX products were purchased XX/XX/2018 online and picked up at an XXXX store XX/XX/2018 with someone using a fake ID with my name on it. Apparently since someone picked up the products in the store XXXX is assuming it was me, which it was not. I have also written letters to the 3 credit reporting agencies ( sent on XX/XX/2018 XXXX along with notifying the FTC. What I have learned from talking to different people at XXXX is that the maiden name used to open the card is not my mothers maiden name and that the phone number used to obtain the card is an old land line/house phone that I had approximately 15 years ago. I have made an apportionment to talk to a lawyer tomorrow regarding everything barbecue I can't seem to get anywhere any other way.

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 2018-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
Not sure of all the dates but I got 1 phone call from United Revenue Corp. saying they were trying to collect a debt. Never heard of them. I asked for written verification. They were very rude and I never received it. Months later it's on my credit report with XXXX. Tried to dispute thru XXXX 3 times. Denied each. Looked into the original creditor, " XXXX XXXX XXXX '', never heard from them either. The amount of {$940.00}. Could not get any backup for this. If I owed it I'll pay it but they have been rude and unwilling to provide docs. My credit reports are clean except for this and, even though it doesn't affect my ability to purchase ( based on the rest of my credit standing ) it's really starting to irritate me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XX/XX/XXXX a purchase was made with my prepaid card for XXXX for a XXXX XXXX reservation. I never stayed there nor did i make the purchase. I contacted navy federal on the XX/XX/XXXXwhen i discovered the charge and was given a credit temporarily. They then took the credit back and told me to contact the merchant for a refund and they refused to refund me and told me to contact my financial institution to be refunded. I shouldnt be charged for a purchase i did not make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Talked with capital one about disputes. They told me I could file online or by phone. So I did all my disputes online. The company never provided me the login to be able to use the service. However, Capital One refuses to investigate and, instead, keeps sending me documentation asking for more information. I have included all dates I talked to the merchant, the fact they never provided me the service but kept billing me, and all relevant dates and information to substantiate my disputes. 

Instead, they rebilled my card for all disputes even though they made no attempt to contact the merchant to get information. As the merchant refuses to refund me or even provide the original login to use the service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
On XX/XX/XXXX, I was received a letter from Freedom Mortgage stating that I was past due on my mortgage. I thought this to be some kind of mistake since I have the payments set up on auto-pay through my bank in. When I spoke to the representative, XXXX # XXXX, he explained that our mortgage payment had increased and as a result, the amount that I had auto-payed through my bank was short by {$50.00}. XXXX told me that since the payment was not in the full amount that the payment was put aside in an unassigned account until the full payment was made. He explained that the account went 30 days with out the payment ( even though they had my money ) and was then reported to the credit agencies. 

On XX/XX/XXXX, I wrote an email to Freedom Mortgage to request a reversal of the credit report made when they failed to apply our loan payment to our mortgage. 

At no time was I aware that the full payment had not been made. Freedom Mortgage never attempted to call and explain that I was short ( {$50.00} short on a nearly {$3000.00} payment ) on the payment. And instead of applying my payment to my account, they held the money in an unidentified account, not associated with my mortgage. 

I checked my bank statement and saw that the payment was made on time ( XXXX. 
XXXX ) and XXXX confirmed that they received the payment but since it was not in the full amount that the money never was applied to my loan. I can provide the statements to verify this if needed. 

I immediately paid the balance, including the late fee and additional {$50.00} for XXXX XXXX  payment ( {$190.00} ), and explained that the XXXX auto-payment was already pending as per our bank. 

We have never been late on a payment and we had no intention of being late on this payment. I have the bank statements that show the funds had been paid on time, less the {$50.00} increase and the representative confirmed that the payment was made on time, only short the escrow increase.We have been late or missed a payment with this company in five years! 

I emailed the company, as directed by XXXX # XXXX, and requested a reversal of the credit report but have not had a response. I called back on two separate occasions ( XXXX, spoke to XXXX # XXXX and XXXX, spoke to XXXX # XXXX ) and was told that there was no one to talk to about the credit report dispute and that I would never have anyone to speak directly to about this problem. I could only wait for the customer care center to respond to my email request. 

I was told by the representative, XXXX, to contact the CFPB for help with Freedom Mortgage 's credit reporting practices and failures to apply mortgage payments to the loans.

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 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I contacted chase bank regarding a disputing charge, they asked me to give the company couple to days to see if i can resolve the issue, however i waited about a week and the problem wasn't resolved then chase was contacted and first they disputed the whole amount and asked me to wait 24hrs until it reflects on the account and at first it did then in about 4 days they reversed the money out with out notification or notices leaving my checking account negative balance and when i called they claimed that it passed the disputing period which was 60. if chase initially disputed the charge it would of been within the disputing period but they decided to waste time knowing that the disputing period was going to be over.

Company response to consumer: Closed with explanation