vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have been getting threatening calls on my cell and home phones from XXXX XXXX XXXX for about 3 years. The person they are looking for has my same name, the Social Security number and date of birth is different than mine. I have explained this to them to no avail. The last call was XX/XX/20019 at XXXX XXXX. They call almost on a daily bases leaving messages. What can I do to stop this abuse? My credit is very good. I do not owe any money at all to anybody. 
Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
COMPAINT AGAINST CAPITAL ACCOUNTS COLLECTION AGENCY, XXXX. XXXX  XXXX, XXXX, TN XXXX, XXXX Regarding XX/XX/XXXX dental services provided by XXXX XXXX XXXX, XXXX On XX/XX/XXXX, I received a letter from Capital Accounts regarding the debt to XXXX XXXX XXXX, XXXX. In response to the letter, I called Capital Accounts and disputed the debt. I requested verification of the debt ( i.e., invoices/statements showing service date, procedure code, and the amount of service ) from Capital Accounts. I wanted to review the information Capital Accounts was given because XXXX XXXX XXXX dental insurance paid for each service I received and I paid required co-pay for each service. 

On XX/XX/XXXX, I disputed this account directly with credit bureaus. The result of the dispute is that Capital Accounts verified the information therefore the negative information would remain on my credit reports. A year have gone by and to date I have not received verification of this debt from Capital Accounts. 

On XX/XX/XXXX, I called Capital Accounts again regarding this account to address the reason the amount keeps increasing on my credit reports. I also asked why no one from Capital Accounts had sent me, as I had previously requested, verification of this debt. I advised Capital Accounts customer service representative again that I can not acknowledge or accept the debt, as I had not received verification of the debt. 

As follow up to my telephone call to Capital Accounts on XX/XX/XXXX, I received the attached email from Capital Accounts regarding the past due amount with their client XXXX XXXX XXXX XXXX. The email included a ledger with a debt of {$760.00} and {$150.00} in additional interest charges for a total of {$960.00}. How is it that this debt can be increased by {$3.00} per month for interest? As a collection agency they should not be charging {$3.00} monthly interest. Is charging interest on collection accounts illegal? 

This information continues to be reported negatively on my credit bureau reports with the balance constantly going up. Every month when they add Capital Accounts adds the interest charge my credit score decreases. This year old past due collection account has had a very negative affect on my credit rating. Adverse actions have been taken against me because of this account on my credit reports. 


Cc : Capital Accounts XXXX Credit Bureau XXXX Credit Bureau XXXX Credit Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This debt became late back in XX/XX/XXXX. The bank then update the credit file to indicate the account was in good standing XX/XX/XXXX. No payment has been made to bring the account back into good standing. This debt is more than 7 years old and remains on the credit file. I would like to have the payment history properly reflected. I sent a dispute through the credit company and they date was updated to XX/XX/XXXX incorrectly

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 2019-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CFM Group LLC
State: NJ

Complaint narrative:
We were operating under a license from XXXX XXXX XXXX and terminated our relationship with them as of XX/XX/2018. We then terminated our business with one vendors, XXXX, who continued to bill us after termination of service. 

Now, we have collection agency demanding payment for services/products that were not provided to us. 

We have asked this company to stop contacting us, yet they continue to do so. 

CFMGROUP, LLC XXXX XXXX XXXX XXXX, GA XXXX We do not owe any debt to the original vendor nor to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: AL

Complaint narrative:
The company is called Gatestone and is based out of XXXX, AZ. XXXX XXXX is the only name of someone I spoke with that I remember. I receive calls at MINIMUM 2 times a day. My family memebers have each received several calls from this company and have told the company to no call back but they still do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21 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: MI

Complaint narrative:
XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from Equifax stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing Equifax and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Massachusetts Educational Financing Authority
State: MA

Complaint narrative:
I was filing my taxes in late XX/XX/XXXX and needed to know what student loan interest I paid for XX/XX/XXXX. On the XXXX XXXX XXXX website, it alerted me that my tax information was available. When I clicked on that, it told me it would actually be available in late XX/XX/XXXX. I called XXXX and they informed me that only my father, the primary borrower had access to this information. My father does not know his login or account information, so he could not access this information. After another call to XXXX, I learned they would be mailing the 1098-E form. 

My father received the 1098-E form, and the student loan interest paid is listed as one total number. My father is the primary borrower for myself and my brother, and there was no way to see what interest was paid for each individual loan. 

I tried to look at the payment history for XX/XX/XXXX so that I could manually add up the interest Ive paid, but the only history they give is the last payment received for each loan. I called XXXX  again today, on XX/XX/XXXX, and they confirmed that the 1098-E is not itemized. They also confirmed that I have no access to payment history, and that I have to request that payment history be sent by mail. The payment history will be arriving by mail in 7-10 business days. 

My student loans were sold to XXXX in XX/XX/XXXX by XXXX XXXX, so my father received a 1098-E from XXXX as well. This 1098-E has  itemized information for student loan interest paid with the loan number. The XXXX  website also does not list the official number for each loan, they just number them 1 or 2, so I cant even see what loans they are referring to. 

This lack of information available is frustrating and should be corrected. My other loan provider, XXXX, gave me access to the 1098-E, and also has a full payment history detailing what payments went to principal and interest. 

This is not my first issue with XXXX or their website interface.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My SSI check is usually direct deposited on or about the XXXX  of the month ... my XXXX check was deposited early this year because of the holiday. On XX/XX/XXXX, Funds showed as available so I started paying bills. TD Bank hit me with overdraft fees, which I caught almost immediately and called them to ask why they would hold a government check direct deposit that showed as available and hit me with fees? They responded by telling me they saw that that happened, and they would refund the overdraft fees. 
This month, they reordered my charges, held cash deposits, and have charged me a total of 9 overdraft fees ( including a {$35.00} fee on a {$1.00} charge on XX/XX/XXXX ) ... online banking does not show accurate balance for days, there is no notifications of overdrawn account, and my account does not show as overdrawn online. 
Yesterday, XX/XX/XXXX19 ... I checked my balance, determined that it was overdrawn by {$130.00} ( because of 4 overdraft fees ), and deposited {$200.00} with a teller at a TD branch ... I asked if my account now showed a positive balance, I was told yes at XXXX XXXX ... my phone app also showed a positive balance. 
At XXXX XXXX on XX/XX/XXXX, I checked my balance to double check before I made a small purchase, and my balance was XXXX ... I had been hit with 5 more overdraft fees, that were not pending, and that the teller did not see 20 minutes before as pending.

I called TD Bank on the phone and was told 1. It is not their responsibility to alert me to a pending negative balance 2. It is not their responsibility to inform me that I have a negative balance 3. It was  very nice that I banked with them for 15 years, but I was not entitled to a refund because they had given me a " courtesy refund '' the month before ( when they held my direct deposit for 3 days so they could charge me overdraft fees ... which they admitted to ) I informed them that I would be moving my banking to another institution after my direct deposit cleared on XXXX XXXX. I was told " not to threaten them '' I told them this was not a threat, I could simply not afford to bank with an institution that thought robbing me of my XXXX money was acceptable, as long as they weren't caught at it, and it's not a " courtesy '' to give me back my money which you fraudulently took and admitted to taking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt became late back in XX/XX/XXXX. The bank then update the credit file to indicate the account was in good standing XX/XX/XXXX. No payment has been made to bring the account back into good standing. This debt is more than 7 years old and remains on the credit file. I would like to have the payment history properly reflected. I sent a dispute through the credit company and they date was updated to XX/XX/XXXX incorrectly

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 2019-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I erroneously sent my mortgage payment to my credit card company on XX/XX/XXXX. I sent {$2000.00} and only owed {$160.00} at the time ( statement balance ). When I reviewed my account on XX/XX/XXXX I immediately called my bank to see if the payment could be recalled and it could not. So, I called the credit card company and they stated that the payment had to clear before a refund could be processed. I called back the following business day and was told that I had a new pending charge of {$76.00} that needed to clear before the refund could be processed. I then called back the next business day and was told that it would take 21 days to process my refund. This is an excessive amount of time to electronically refund my over payment. I have always handled my account appropriately and the money was transacted in their favor in 1 business day. I need my money rightfully back so that I can pay my mortgage. I tried to resolve this with XXXX and it's as if they are not listening at all. They keep reiterating that the payment will be returned in 21 days. This is an unreasonable timeframe to electronically refund my money. I work for a XXXX XXXX and 3-5 days is an appropriate timeframe. I now can not pay my mortgage. XXXX charges me interest when I hold their money. Are they going to pay me interest for holding my money? I need my money back immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ME

Complaint narrative:
I recently filed a complaint on XX/XX/19 with the CFPB ( complaint # XXXX ) which has been closed. I have attached a copy of my original complaint for your review. I do not consider this matter closed as the response from the company is not valid. To make a long story short, Rushmore Loan Management Services has refused to pay an incentive which was offered to me for completion of the Deed in Lieu process ( additional details can be found in my original complaint ).

The response provided by Rushmore 's loss mitigation department was simply that it was a requirement of the offer that the house must be left in " broom swept clean '' condition. As part of my original complaint, I attached an email from my loss mitigation representative, which addressed this very matter before the process was completed. Upon receipt of the offer, I was concerned with this issue because I did not have the financial resources to clean the house. As you will see, she assures me that the offer is a " generic '' letter and that the investor has already agreed to accept the house " as-is '' and the condition of the home will not affect my ability to receive the incentive. She stated that the property had already been secured and this would not be an issue. I have again attached a copy of this email for your review. 

This process cost me time and money. Not only did I miss days at work to deal with issues at this property over the 6 years the banks dragged their feet even thinking about getting the title out of my name ; I also had to pay an attorney to review the paperwork they wanted me to sign. Given that I had already been through a bankruptcy, I had no financial reason to follow through with a deed in lieu. I simply wanted this to be over and was counting on these funds to make up for some of the financial burden I had incurred over the past 6 years. 

The practice of offering incentives to individuals that are obviously having financial difficulties and then attempting to create a " loophole '' not to pay them is clearly an " unfair and deceptive '' act or practice which falls under the scope of UDAAP. Rushmore should be held responsible for this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have been paying on my loans since 2010 and the balances have barely decreased. Tried to make arrangements and the still closed one of my accounts. They have been calling me and my dad ( co-signer ) about late payments even after I paid on the balance. They sent me a repayment amount for the only open account, which I have been paying, and still send emails saying I am delinquent and owe more money. The system will not allow me to make payments each month even though if it is above the amount my monthly payment is. They now tell me I have to pay on the closed account because they still collect money for it even though I have sent money to the debt collector my account was sent to. I have asked for statements and monthly payment requirements but get different answers each time I call. They still have not sent all my statements for all loans, what Ive paid, & the balances due. I cant get into the account online. It always says The account is disabled. I have asked on several calls to them for this to be corrected but they have not fixed the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I was contacted by Quicken Loans to see if I wanted to refinance my home mortgage. They asked for permission to pull my credit in which I denied. After we get off the phone, I get a notice on email that my credit was pulled anyway by them, contrary to me not giving them my permission. I called the representative XXXX XXXX who advised that he made a mistake by pressing a wrong button and pulled my credit anyway. 
There is no mistakes in pulling someones credit when I just got off the phone with him denying him that access. My credit was not AUTHORIZED to be pulled on XX/XX/19 by XXXX XXXX from Quicken loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or about XX/XX/, 2018, I contacted Synchrony Bank ( XXXX XXXX XXXX ) to dispute a fraudulent charge on XX/XX/ 2018 of {$130.00} on my account. I was told that they would complete an investigation, share the results with me and resolve the issue. This has not been accomplished. As they have not removed the charge completely they continue to add late fees and interest on a balance I do not owe. In addition, they have erroneously and incorrectly reported negative information to the Credit Reporting Agencies. The has had an adverse effect on my otherwise impeccable credit history including that of many years with Synchrony Bank. I have a stack of documents, many of them contradictory at best. I was assured that they would correct this but as of this date, some 7 months later, it has not been done as promised. I have been in contact with XXXX  but have not received any type of documents indicating an investigation had been completed. I would request that my balance is corrected to the factual {$0.00}. In addition, I request that the false, negative information reported to the Credit Reporting Agencies be removed and my credit score returned to the perfect state it was in on XX/XX/ 2018.

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 2019-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Red Cedar Associates LLC
State: MO

Complaint narrative:
I have already taken care of this debt. And they sold it to This company Red Cedar associates and I get threating phone calls that need to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am receiving credit-related promotional material from many sources, at my home residence and my work address. The addressed name is not mine, but the street addresses are correct. I looked on my credit reports for the different agencies and there seems to be one address reported as a home address that is not mine at all. I wish to remove this address from my reports and also find out how to remove any associated accounts opened with my credit information but under this other person 's name.

Company response to consumer: Closed with explanation