vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX I ( XXXX XXXX ) received on my cell phone a call from XXXX ( which is a local call out of XXXX XXXX, OK ). The recording stated " there is a complaint against you and we want to rectify the complaint, please press 1 to take care of the complaint before it goes any further. 
I pressed 1, then a lady came on the phone and asked for XXXX XXXX ( which is my husband ) she stated there was a collection from City Bank  that has gone into collection ( this has nothing to do with a complaint ) it was a collection call. This was very misleading. I know my husband has not had a citi bank credit card since XX/XX/XXXX. she stated the last payment that as made was in XX/XX/XXXX, which I know is incorrect, because he was very ill then and was not taking care of his debts, he has XXXX and has not control over any credit cards. I myself filed bk on all the credit cards in XX/XX/XXXX. And all the credit cards were destroyed in XX/XX/XXXX. No additional payments were made on the card by him I know and I had not paid any payments on the account. I ask for proof that the card had payments on it and she just stated that she was going to collect on this debt and she would damage his credit and sue or we would have to provide her information on our property. First off the call was misleading stating there was a complaint, 2nd she had no business talking to me about his debt when I was not on the card and I advised her he was in a XXXX XXXX ( he is XXXX yrs old ) she would not provide me with any documentation, claim number or their address. She just made threats and stated she would be collecting on this account, I stated Good Luck and she hung up.

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 2018-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: ID Analytics, Inc.
State: OH

Complaint narrative:
There is an enormous disparity between my actualbcredit score & the one XXXX  , XXXX  has provided. This has caused the rate on my car loan to be higher than anticipated.

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 2018-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN

Complaint narrative:
Bayview is refusing to release funds that I am owed from an escrow account. The home was sold and the loan was paid off, but Bayview has been unresponsive. Closing occurred in XX/XX/2018. Their customer service hangs up when I call and are difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: STATE FARM BANK, FSB
State: MO

Complaint narrative:
I called on XX/XX/XXXX at approximately XXXX XXXX. The call was placed through my insurance agent at State Farm and she connected me to State Farm Bank. State Farm Bank informed me that the call was being recorded. 
I informed the CSR that I had not been receiving paper statement and she said they don't send paper statements. I told her that is what I was calling about as I wanted to receive paper statements. She said I had to log into state farm online to receive my statement. 
I again told her I would like to receive my statement via mail and she said " we don't do that. '' She said she didn't know any loan provider who would you with a paper statement. I told her that XXXX XXXX used to provide me with one and again asked for a paper statement and she said they would not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PLEASE FORWARD TO OCWEN LOAN SERVICING LLC. 

I truly wish to resolve my mortgage issues, and my modification was rejected because at Ocwen stated that I was too far behind on payments. This is truly discriminatory and I now have an attorney representing my wishes. I deserve a modification as my son has agreed to join me on payments and he also has an excellent income.

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 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted XXXX XXXX XXXX who is the collection company handling the accounts. I've asked on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that XXXX looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. Reporting by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: MO

Complaint narrative:
I noticed a negative entry on my credit reports which was reported by Receivable Management Services, XXXX. regarding an alleged debt of {$78.00} owed to XXXX XXXX XXXX. I disputed the information with the three major credit Bureaus and Receivable Management Services on XX/XX/2018. The three major credit bureaus did not respond to my request for investigation, nor did Receivable Management respond to my debt validation request. I called XXXX and spoke to a representative who said she saw on the account that there was no balance. I was also able to locate a statement from XXXX showing that this amount was paid and was sent to collections by mistake. We did not owe this amount to begin with because our policy cancelled and we were not covered during the time in which this charge was assessed for. Under Arkansas code, the state in which we lived in at the time, " Consumers shall not be charged for services for which they did not receive. '' We were not covered during this time and we do not owe the balance claimed. It was by mistake that it was sent to collections and this collection agency has been willfully non-compliant with my request per the Fair Debt Collections Practices Act. This entry has been previously removed by the credit bureaus in the past due to a lack of production of documents verifying the validity of this information. A formal dispute has recently been filed under Section 623 of the Fair Credit Reporting Act with XXXX XXXX, as well as a Creditor Declaration and Request for Production of Documents, to investigate the accuracy of the records for this account and to substantiate the collection agency 's claim of a right to report this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Family First Funding LLC
State: NJ

Complaint narrative:
On Friday XX/XX/XXXX my client closed on her property XXXX XXXX XXXX XXXX XXXX XXXX. 
The closing was very rushed and changed last minuet as per the mortgage company. They insisted we change to " their Title company '' because they needed to close on this day or the clients lock would expire and they current title company was not cleared to be a vendor for them or something of that nature. All that being said, when my client went home, after closing on the home she purchased after selling her house in XXXX XXXX, she realized the XXXX was incorrect and said the sale price was {$220000.00} and in fact was supposed to be {$220000.00}. The contract and Deed say {$220000.00} however thinking it was a typo I immediately emailed Title and Mortgage  of the error. Monday morning XX/XX/2018. I called the Mortgage company and they admitted they were wrong and made a mistake and would have the check to her by Tuesday or Wednesday. It is Friday and now they are trying to blame the realtors and not make up the difference, I feel there is so much wrong on this file someone needs to stop these people from their gross negligence and the lies they keep telling! The title company is XXXX XXXX XXXX XXXX XXXX, XXXX , NJ XXXX and the Mortgage Company is FAMILY FIRST FUNDING, ,LLC CONTACT INFO IS XXXX XXXX XXXX XXXX Please 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 2018-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XX/XX/XXXX I opened a store credit card and purchased furniture totaling {$2100.00} from the XXXX XXXX XXXX XXXX in XXXX, LA. I agreed to apply for store credit because of the promotional offer of XXXX months deferred interest payments, other wise I would have made other arrangements for payment. I was promised this by my salesmen as well as the store manager and financing specialist, my wife was present for the entire exchange. I had been making payments in an effort to have the balance paid in around XXXX months. However, on XX/XX/XXXX I received my monthly statement from XXXX   XXXX to my surprise my balance had increased by {$690.00}. I logged in assuming my account had been hacked. After logging in to check on my account activity I saw no unauthorized purchase but I did see backlogged interest that had been applied to my account, noting my promotional interested had ended after only XXXX months not my promised XXXX.

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 2018-07-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am yet again filing a complaint against Wells Fargo. I had received a packet of letters posted marked XX/XX/XXXX. At the end of the letter Wells Fargo claims that all of my concerns have been fully addressed. They have avoided my requests and have dodged me each time. They are also claiming that it is my responsibility to review my account statements promptly and carefully and to notify them of any errors. I did notify Wells Fargo of the errors all the way back to XXXX of XXXX. I had kept calling and trying to get someone to future assist me. I was avoided and no one would transfer me to a supervisor in any of the departments. I did my best effort to notify Wells Fargo within around a 2-3 week window of time. I did try sooner but was unable to speak with anyone via telephone. Also I do not have a consumer account agreement with Wells Fargo. They know this that is why they have been avoiding me and getting away with mistreating me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This account is a student account that I opened in XXXX. This checking account is from Citibank and has no fees. They no longer have this program but grandfathered me in to continue using it as such since I have been with them for years and have had no problems which means the fees are waived. I dont keep a lot of money only enough to keep it open since I am currently waiting on a XXXX SSI/SSA claim. I had an ending balance of {$2.00} that I never withdrew as of XX/XX/XXXX. As of XX/XX/XXXX I was given a fee of {$12.00} without warning and right after an overdraft fee of {$34.00}. My account says that It is overdrawn - {$43.00}. I currently dont trust this bank anymore as I also believe they reordered my transactions to charge fees.

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 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Good Afternoon, My name is XXXX XXXX XXXX, date of birth XX/XX/XXXX, and my social security is XXXX, I have contacted Navy Federal Credit Union and advised that I didn't agree to be authorized user on the following credit card XXXX and was advised that I was removed but yet nobody can send me any confirmation. I have contact all three credit reporting agency and completed consumer credit disputes and I have been advised that Navy Federal is still confirming that I'm authorize user and has confirmed and deleted from my credit report. I don't know where the line of communications failed but I'm hoping that you can help me resolve the issue. My mailing address XXXX   XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX weeks ago, I was turned down for credit at local XXXX XXXX XXXX XXXX. The bank that manages XXXX ' credit accounts is XXXX Bank. 

I was told they would contact me within XXXX to XXXX days. But they have not told me why my application was rejected and it has now been almost XXXX weeks.

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 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
The three credit agencies XXXX, XXXX and XXXX  are reporting an Charge off account with a pending balance that is affecting my credit in a negative way. I called your company and there's no account with a pending balance or account that match the account number or my social security number showing in the credit reports. I never request an account with CITI or had an account open in the date that is showing in the credit report or an account number that match. I onlye have a XXXX XXXX credit card that have a different number that is closed and is pay as agreed.

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 2018-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XXXX Credit Card is charging larcenous interest & late fees even though I'm making regular payments. 
Activity for XXXX XXXX XXXX XXXX Current Balance : $ XXXX $ XXXX Last Payment XX/XX/2018 $ XXXX

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 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Will not give me my money or close my account. Citi bank is the worst.

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 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT RESOLVE GROUP LLC
State: NJ

Complaint narrative:
XXXX XXXX Contract Resolve Group, LLC. 
XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Ph : XXXX ext. XXXX Fax : XXXX XXXX XXXX This man has called my office multiple times a day, Called my employees multiple times a day. called my cell phone multiple times a day, called my elderly parents, my brother every family members concerning a business debt that none of my family are involved in, he has been harassing us for over 2 weeks now with phone calls and emails as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Some body run my credit with out my knowledge here is the date and company XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief