vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Chaplin & Papa, P.C.
State: VA

Complaint narrative:
A judgment against me was applied on XXXX XXXX XXXX by XXXX XXXX via their Subrogation Attorneys " XXXX XXXX XXXX '' for the amount of {$17000.00} + 6 % from the date of the Judgement. My complaint is that XXXX XXXX  XXXX suspended my license. 

I learned of the suspension because I received a letter from DMV. I then contacted XXXX XXXX   XXXX to determine why and was told because I had not arranged to make payment. I asked the representative how was I supposed to know to do that as I was not sent any type of notice from them to contact them. I expected that after the court decision they would have sent me a letter advising of the final details of the debt and what is necessary to make arrangements for the payment of the dept. 

I have also not received any notice from XXXX XXXX  XXXX that they have made the adjustment to the amount of the debt owed. The VA Insurance Commission handled an issue related to the amount I owe for the claim because of an error on XXXXXXXX XXXX part with the valuation of their client 's vehicle. XXXX acknowledged their error and adjusted the amount owed by deducting {$970.00} from the original amount due but XXXX XXXX XXXX did not send a letter acknowledging that either. 

In summary, they did not send a letter requesting that I contact them to discuss next steps or acknowledge that they have adjusted the amount they are attempting to collect after the date the Judgement was placed in court which was XXXX XXXX XXXX and took the action of suspending my license without giving me an opportunity to make arrangments before the suspension. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Assigned Collector - XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: NV

Complaint narrative:
since XX/XX/2017, I have sent over 25 letters to the three credit agencies, Experian, .XXXX and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
On XX/XX/XXXX I made a deposit into my checking account at XXXX XXXX via the ATM machine for the amount of {$120.00} to make my balance a total of XXXX to cover a payment that was going to be coming out of my account on Wednesday. The bank ended up having issues with the deposits posting to accounts via the ATM machine and my car payment was returned to as a NSF because the deposit had not been posted to the account. No one from the bank reached out to me once they knew the atm had an issue to say that they was going to be working on it or anything. I got text messages from the bank stating I had a pending credit of {$120.00} on Monday, Tuesday, and Wednesday. I logged into my account online on XX/XX/XXXX only to find out that my car payment was returned due to nsf. Which didnt many any sense to me because I made a deposit for the amount to cover the payment that was coming in. When I contacted the bank the first rep I spoke to on the phone hung up on me and the second rep didnt help at all. I asked both reps for a supervisor to be able to assist me and to help me to be able to understand why they didnt go ahead and allow my payment to be made to XXXX because they knew they had issues with the deposits. The bank went into my account and cleaned up my account making it look like I made a deposit on Thursday when I made it on Monday which was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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:
Navient is mishandling my payments. As I always do, I sent my payment in the form of a XXXX XXXX money order. That way I can easily track it. I have learned from experience. 
On the money order is my account number, my name and my address. 
I always send the payment by priority mail again so it can be tracked. I send the money order to the P.O. Box for the borrower. 
The XXXX payment was delivered on XX/XX/XXXX at XXXX. to an individual according to the Post Office tracking. 
I checked my account on XX/XX/XXXX to find it was " Over due ''. I called XXXX XXXX to check on the status of the money order, it had not yet been cashed. 
I called Navient and they had no record of the money order. They took the information and said I had to send them a copy of the front and back of the money order. At XXXX XXXX, they received the faxed copy. 
As of XX/XX/XXXX, the account is still flagged as overdue. The money order was cashed on XX/XX/XXXX. I called and again spoke with Navient. They have submitted another ticket. 
This is the 2nd month in a row that the funds have been misappropriated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Mortgage Number XXXX Bank of America has been withholding {$78000.00} from insurance proceeds related to Hurricane Harvey. I paid for all the damage repairs out of my pocket and turned over all payments, receipts, explanation of work done, credit card statements and records to Bank of America. However Bank of America is refusing to disburse the insurance proceeds. This will make e default on my mortgage and lose my home. I can not afford to pay for home repairs out of my pocket and continue making mortgage payments.

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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX was contacted on XX/XX/XXXX by certified mail about a settlement on an old credit card debt ( delinquency began XX/XX/2015 ), that Midland purchased from XXXX XXXX.

They have NOT contacted me by mail or e-mail-which I requested to discuss settling this debt.

Midland has sent a negative inquiry to the Credit Reporting Agencies TWICE in the last 21 days on this debt.

I have filed 2 complaints about Midland 's lack of response to my request for a settlement of this debt.

Midland 's response seems to be a malicious attempt to destroy my credit, when I am simply requesting a dialogue from them about a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I noticed that on my credit report it states that my loan increased, causing my score to go down. I have reached out to XXXX regarding this they have not only been rude but refuse to help in anyway to repair this. I have also noticed that they have I have 3 missed payments and during that time I was not working and was granted a forbearance and they are refusing to research this. OnXX/XX/XXXX I spoke with a rep regarding all this again and was unable to get anywhere with this. She stated That I need to call the credit agency. I have also noticed that for the past 2 months they have not even reported any on time payments. I am in need of assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I contacted XXXX XXXX, Mortgage Loan Officer, NMLS ID # XXXX at PNC Bank in the beginning of XX/XX/XXXX about getting pre-qualified for a loan. We had several phone conversations and sent several emails over the course of a few days. Since XX/XX/XXXX, I have been trying to reach him. He has not returned my phone calls, texts or emails. He has gone completely MIA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
Upon losing my job in early XX/XX/XXXX, I contacted XXXX XXXX   to ask for assistance while I was trying to obtain another job. I first submitted loss mitigation paperwork as directed by XX/XX/XXXX in early XX/XX/XXXX. They continued to require one more document after one more document. I continued to call and check on the progress with little to no change. They failed to contact me or keep me informed on any level the only communication came from me contacting them. When they finally accepted the completed packet they had until XX/XX/XXXX to make a decision about how they could best support me. On XX/XX/XXXX they transferred my loan to someone else without making that decision. Now Rushmore loan management company is telling me I have to start this process over. In the meantime each month my credit gets worse and worse. I contacted XXXX in XX/XX/XXXX and told them I had obtained a part-time job and was able to begin making payments. There is still no resolution. I just received a letter Saturday XX/XX/XXXX regarding Rushmore wanting me to submit all my documentation over. I believe XXXX never had any attention of addressing my issue as they knew they were transferring my loan to someone else. I have an FHA loan. It is my understanding that FHA has a forbearance during unemployment where interest is put on hold. XXXX XXXX  never offered this or suggested this solution to me. I just want to know how much to pay for my mortgage so that I can put my house for sale and clear out this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
I purchased a internet connection device that never had sufficient signal strength to allow me to use my computer with it. XXXX showed no signal in this area, they should have never attempted to connect me to the service. I cancelled the service with their customer service and in writing. They are claiming I did not pay for valid services received and are attempting a fraudulent collection, using the credit reporting agencies as an illegal collection vehicle. 
The original communication was dated XX/XX/XXXX. This account has been resold to the following collection agencies over the past years.

Allied Collection Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX. 
XXXX, XXXX XXXX. 
In each case when contacted by the above agencies, I explained I never had a cell phone with XXXX and within the 30 days of receiving the notice I disputed the debt and requested proof of the debt. 
None was forthcoming and as of this date I have not received any further communication from the above. 
In XX/XX/XXXX I was informed that my credit score was reduced by 70 points, the only addition to my credit report in XX/XX/XXXX was XXXX XXXX. 
XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX I replied in writing disputing their claim. They have never replied to my written communication to them disputing their claim and asking for verification. 
The above is a Scheme that XXXX is using against its customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Tax payer bail out of banks and dependence on banks in the modern world has become part of our history. A new history seems to be emerging based on coercion which has it's platform on social media where you only hear from those who actually write on it. Sadly businesses are making up their own laws and joining the free reign activity and forgetting what their intended purpose is about which is not law making. Government intervention is critical in stopping these businesses from changing our laws just like they have for other hot topics telling businesses they can not discriminate. Stop making up your own gun laws and discriminating against legal citizens.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
XXXX XXXX  reports to XXXX and other companies wrong payment history report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XXXX. 
The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX, XXXX saying they want to resolve an account with ( XXXX XXXX XXXX XXXX ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX in XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently Accelerated Financial Services XXXX XXXX XXXX XXXX. In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " AFS '' that the collections pertains to a company called " XXXX XXXX  '' whom I have never done business with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: NV

Complaint narrative:
since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .XXXX and transunion . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: NV

Complaint narrative:
since XX/XX/2017, I have sent over 25 letters to the three credit agencies, XXXX, .Equifax and XXXX . Those letters were comprised of ; change of personal information ; hard inquiries ; collections of fraud ; accounts that are fradulant etc.. Each letter was timely, giving 30 days response time with notices of possible small claims action, yet they refuse to correct /remove the mentioned complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: VA

Complaint narrative:
The medical debts are not in timely manner for collection purpose. My insurance is a market place. I have a right to ask financial aids accordingly. Even I am not more than four months being a member of medical inssurance. This is just running to mess my credit score illegally. Any ways I have arranged to be paid by my XXXX XXXX. It should be removed from my account. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX I went to the American Express website and saw the Gold Delta Skymiles card. Along with it was a sign up bonus offer. The offer stated that if you spend {$2000.00} within the first 90 days you would receive XXXX bonus Delta Skymiles. Then if you spend an additional {$1000.00} after that within the first 90 days you would receive and additional XXXX bonus miles - totaling to XXXX bonus miles. I immediately called in to apply for the card over the phone and verified that this offer was still valid. I was told yes it was and if I got approved I would receive it as long as I meet the spending criteria. I was initially declined for approval and then asked for reconsideration. The application was approved on XX/XX/XXXX. Within the first 30 days I had already met the {$2000.00} of spending. And now I have met the additional {$1000.00} spending also. On XX/XX/XXXX I received a bonus of XXXX miles instead and immediately called into to American Express to let them know this was the wrong amount. They opened up a case investigation for me and gave me a Case Number of XXXX. They stated that bun XX/XX/XXXX the case would have a decision. I called in today ( XX/XX/XXXX ) and was told they still dont have a decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX reports to TransUnion and other companies wrong payment history report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: AR

Complaint narrative:
I got a notice on my XXXX XXXX file of a decrease in my credit score today on XX/XX/XXXX. I logged in and see that there is a company called Midwest Recovery Systems that has placed 2 medical collection accounts on my credit report with dates of service and date of first delinquency in XXXX. I have never received any information about either of these debts. I do not recognize them and do not believe they are mine. They are listed as {$460.00} and {$710.00} dollars on my XXXX and XXXX reports from a hospital. Under type of debt it is blank. These debts are not mine, and I have never received any information pertaining to these debts and have not been given the opportunity to dispute them. 
Thank you. 

The creditor information listed is : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation