vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have a XXXX account in collections that i continue to pay on and been making small payments twice a month but in the month of XX/XX/XXXX i made payment on XX/XX/XXXX then next payment that i made was XX/XX/XXXX within 30 days.on XX/XX/XXXX th to XX/XX/XXXX my account was reported to the credit bureau with the balance of {$420.00} which was minus pymt on XX/XX/XXXX.i called to see why it was reported before 30 days and the representative was very rude about it and i asked for a manager n it took a while for him to agree to get me one.when manager came on board she adviced me its their discretion when to report my account even though i made a payment 3 days before.she was as rude about it as her representative.Im trying to fix my credit and was not happy to see it in my report which affected my score n making it harder for anything been approved, this is my debt and i have not refused to pay it as i was doing it i just want it to be removed from my credit report and have better representatives who are not as rude at ICSYSTEMS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland Funding , LLC has continually contacted me about a debt I know nothing about. I informed them when they contacted me via phone on XX/XX/XXXX that I had no knowledge of this debt. I had my identity stolen in XX/XX/XXXX, which this could be a result of, but I do not know. This company was hostile toward me when I simply asked them what this debt was for, where it was obtained, when the account was originally opened, and the original creditor. For this reason I sent a certified letter requesting proof of debt, amount, etc. They responded with a letter ( dated XX/XX/XXXX ) stating they were " investigating '' and would provide me a response when finished. As of XX/XX/XXXX I have not received a response, however Midland reported to the credit bureaus on XX/XX/XXXX " Account information disputed by consumer, meets FCRA requirements ''. This is not possible as they have not shown any proof that this debt was indeed incurred by me, or what this debt is for ( loan, credit card, product? ). Even if it was my debt the time allowed by law to report it to the credit bureaus has been exceeded. The letter Midland sent me shows that the debt was charged off from original creditor in XX/XX/XXXX. At the very bottom of the letter sent back to me they included " Because of the age of your debt, we will not sue you for it. If you do not pay the debt, we may continue to report it to the credit reporting agencies as unpaid. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: United Student Aid (USA) Funds
State: WA

Complaint narrative:
My loan XXXX XXXX XX/XX/XXXX was at {$21000.00}, which was hardships and forbearance etc. I switch to Navient. Now it 's {$50000.00} showing on my credit, then they offered the Rehabilitation loan - I missed one {$5.00} ( XXXX dollar payment by being late ) I was already in my 6th payment of 9 ... they made me start from scratch all over again ..my second Rehabilitation attempt ... now in XX/XX/XXXX I finally have my 9 XXXX payment in ( do to hardship ) I am just waiting for my loan to come off default on my credit report. I have lost a lot of jobs and school time because of this and LARGE INCREASE IN STUDENT LOAN DEBT. what a wonderful solution. It increased my debt. because I miss or was late with XXXX dollar payment ... I was even unemployed at the time looking for a job : ( They said they would send me a letter in 30 days stating that my student loan is off default and to the Credit Agencies stating my loan is now in Good Standing. Let see if that true by XX/XX/XXXX*

Company response to consumer: Closed
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: LA

Complaint narrative:
I had XXXX and the XXXX bill for {$99.00} is claimed to be unpaid. I have never received a paper bill from the agency, no calls from the agency, and have paid the doctors group using my Visa Credit Card the complete balance not covered by my insurance. I began getting calls during the summer of XXXX and they continue till today. 
I have repeatedly told these people to not contact me concerning this outdated account ( XXXX ), but they have harassed me at my place of employment, on my cell phone and my home phone. 
They said they mailed me letters, but they do not have my mailing address, and my physical address has never been used for any medical record or doctors files as I do not have a mail receptical at my home.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from Experian, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX CARD - XXXX CARD - XXXX - XXXX I have attached the police report that I filed with XXXX. 
Consent to publish the description of what happened? Consent provided Supporting documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There are XXXX hard inquires from Capital One Bank back to back. I only applied once through them. There should n't be XXXX. ( see hard inquiries on report ) Also, I 've tried to file a dispute with XXXX online, however the security questions they ask me end up saying my answers do n't match the information on file and I am unable to get any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I paid these people on an arrangement for an old XXXX XXXX bill last year. They marked the debt as " settled '' on both my XXXX and XXXX credit reports but they left it open as an active collections account on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I have requested validation of the debt LVNV is attempting to collect, on numerous occasions but the company has failed to comply with my requests. Despite failing to comply with the validation clause of the FDCPA, LVNV is continuously reporting the unverified information to the credit bureaus. 

In my most recent attempt to acquire debt validation through the Consumer Financial Protection Bureau, LVNV submitted a " response '' however, the attachment was blank. I did inform the company their response was blank through the CFPB platform, however ; since there was no enforcement they did not resubmit the information. This is my second attempt through the Consumer Financial Protection Bureau and my fourth overall attempt to acquire validation of the debt. 

At this stage failure to provide validation of the debt or to stop attempting to collect on this debt will result in legal action. I am the XXXX and the invalid information you are willfully reporting is hindering my ability to acquire the financing necessary for me to earn a living. The current deal that your invalid information is interfering with will net me {$2100.00} per week. If this information is not validated and you continue to report it to any of the credit bureaus I will seek actual damages of lost earnings, statutory damages for your violations of the FDCPA, and recoupment of any and all legal fees acquired to enforce the law. 

While I am currently not receiving the assistance of an attorney, I assure you I do have the time, the economic means, and the grounds to pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Ditech Financial LLC has been attempting to collect a debt which has been assigned to my ex-husband upon our divorce. This is listed in our divorce decree ; and I have signed a quit claim deed to the property. I have provided them with all necessary documentation including the divorce documents indicating this debt was the responsibility of my ex-husband. In addition, Ditech was not the original lender and they have not provided information indicating they can even collect on this debt. To clear my name of this, they offered me a settlement of {$4300.00}. I provided all necessary documentation to the agency and agreed to the verbal contract to simply clear my name of the process, however they retracted the offer and asked for {$10000.00} as a settlement even after I provided them with financial information indicating I did not have {$10000.00} to pay them. They have continued to harass me by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It was discovered I was a victim of predatory lending and given a predatory loan on XX/XX/2007. To date almost 9 years later this has NOT been resolved. In the process it was discovered the mishandling of a loan closing, processing of payments and loan modification process by a Financial Banking Institution .A Financial Institution who is held by Federal and State Laws. Please see attached document for detailed timeline to tell you the what has happened to me since XX/XX/2007

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I used my Chase issued Visa XXXX credit card a couple of hours ago in XXXX. My card product does not have any foreign transaction fees. However, after I came home a few hours later and now that I see the receipt on coming home, I see that the Merchant ( XXXX, XXXX, XXXX ) and their processing Bank ( XXXX ) and VISA XXXX have used a significantly unfair and LOW foreign currency conversion rate ( XXXX per USD ) versus the almost XXXX per XXXX USD. Per the VISA guidelines disclosed to me, VISA is supposed to use the BEST conversion rate on the day. Also, these entities have additionally charged me a 3.5 % Mark Up like a foreign transaction fee! My own Card company Chase does not charge me a Fx fee ; why is VISA, XXXX and XXXX adding on all these UNDISCLOSED charges to me? Please resolve ( Have ALL Merchants STOP this ILLEGAL surcharge ) and refund me the amounts ASAP. Chase Card Services is NOT in the wrong here at all, but instead it is VISA who has violated their terms and abetted such criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: FL

Complaint narrative:
On or about XX/XX/2017, I was contacted by Discover Student Loans in regards to my loan account. They advised that I needed to pay {$1100.00} to bring my account current. I informed them that my husband was currently unemployed and I have a XXXX year old daughter and I make XXXX a year. They advised that I did not have any grace period remaining and I needed to pay that amount to avoid default. I explained to them that I can not afford the monthly amount and I ca n't afford the requested amount. They replied that my loans were insured and might be turned over to a debt collector. 

This company refused or does not offer any work out options. I have tried with no success. I would like to negotiate a payment I can afford and they refuse to work with me. Its either all or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Prepaid card — Transit card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: FL

Complaint narrative:
A Friend of mine gave me this Debit Master Card for a present. It has {$25.00} on it. To activate you have to call this number XXXX, but when you want to activate it they want your SS and Birthday. If you do not want to give that they told me they 'll send me a check again they wanted all kinds of info plus they where going to keep some of the money. Not sure it trust them. The card is throughXXXX by XXXX. Lady did not speak English well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is more of a report the fact what has happened to the issue of the " counterfeit XXXX dollar bill '' which was being reported to the secret service that I had obtained from within Bank of America 's branch at XXXX XXXX, XXXX XXXX, XXXX, NJ. Since the political climate is hardly fair to minority female today, I as a bank customer will report this matter before it gets any worse down the road. 
I was withdrawing cash from my checking account over the counter from the clerk within the Bank of America branch on XXXX XXXX around XXXX XXXX EST. Since I withdrew XXXX dollar bills, none of it could have come from ATM according to BOA 's policy, neither do I get " XXXX XXXX dollar change '' myself or possibly received it from anywhere else other than the bank. Later on, XXXX of the bill was being suspected as a " counterfeit bill '' while I pay my expense over XXXX counter on XXXX XXXX, 2017. And this bill is now being submitted to secret service and being investigated. I, as a bank customer, have no idea what bill I will get over the counter, neither do I have the know how and technique nor interests to counterfeit any bill. Whatever the outcome is, although BOA had guaranteed to refund me the amount should it turned out to be a counterfeit, I do not wish for this incident being leveraged to retaliate my employment or being leveraged to libel reference me in any perspective of my life as I had experienced here in NJ for the past 5 years in both career and private life. I want the relevant organizations to act ethical and professional on this matter and treat me fairly as a client instead of having me responsible for their business or conduct. Thank you Regards, customer

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 2017-03-13 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
With moderate yet problematic cc debt ( {$13000.00} ; XXXX accounts ), I applied online to Bank of America for a balance transfer of XXXX of my existing accounts. When they gave approval with a {$5000.00} credit limit, I decided not to activate my card, intending to follow-up after more research and deliberation. Instead, B of A activated the card without consultation and applied the balance transfer to my XXXX account ( {$9000.00} ) instead of using the limit on my XXXX account ( {$4000.00} ), meaning suddenly, I had XXXX credit card payments instead of XXXX. 

I had no idea this had occurred until Friday, XX/XX/2017, when I received a phone call from B of A. Upon speaking with them, I grew incredulous about two things : 1. I did not activate my account and even responded that the credit limit was not sufficient to open the account ; and, 2. rather than transfer a single account within their imposed {$5000.00} credit limit ( a one to one transfer from XXXX to B of A ), they split my XXXX account, meaning I had to continue paying on my old account and now ... on the bank of America account which I never activated because financially, I am only capable of paying down XXXX credit card balances. 

Now, I am getting up to 5 calls a day at home and work from B of A and it does n't matter who I speak with, there is no amiable resolution. I told one rep that for them to start dinging me with late fees and interest was absolutely unacceptable. Yet, the story remains that whoever at B of A I speak with, they just want money and are oblivious to the unfair practices of a ) opening my account ; and b ) doing so without my input. 

This truly represents bad customer service and bad business practices by bank of America. even when I have been forwarded to a service manager, I have to start from " my story '' from square one. B of A 's most repeated solution is for me to get the money back from XXXX, which is akin to " look, we know we kind of screwed you over here, but it 's not our problem ''. 

This whole matter has become stressful and I now regret that I even applied for the B of A credit card. Their whole focus is not on making customers happy or even addressing customer concerns, it is to ensure that their collection agents have something to do. 

I am extremely disappointed in this process, even more so in Bank of America.

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 2017-03-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: GreenSky, LLC
State: TN

Complaint narrative:
A salesman came to my house to sell me Solar Panels. I told him I was interested. He insisted that I take a loan from this company. ( GreenSky ). After he left I calculated the money I would be paying. I cancelled the loan before any money exchanged hands. I then called XXXX and cancelled my order. The sales man said that I would be liability for the loan. GreenSky sent me a bill for {$12000.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Denied for loan approval, interest rates extremely high, school closed, unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had an account with XXXX that became 30 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was paid in full in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The account XXXX credit card listed as a charge off in collection status has not changed in 60 days. I have wrote and called equifax and all they do is write paid in the comments. The payment status of the account should say paid was charge off. 
The company ' has sent the correct information to the equifax and still they have not updated the payment status to reflect it as. A paid was charge off status. 
I am in the process of mortgage and have explained this to equifax with no luck Also the company capital accounts for pet vet has asked equifax to delete the account pet vet from its records off my file and they have not done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There were XXXX XXXX student loan accounts that were removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. 
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company response to consumer: Closed with explanation