vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX Midland began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX. to all bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IA

Complaint narrative:
I had an identity theft and accounts opened in my name that don't belong to me and I have no knowledge of. Cavalry Portfolio SVCS has put one of these accounts on my credit report stating that I owe the money. It is a fraudulent account, it wasn't opened by me. I have requested SIGNED documents showing the account was mine and that I opened it, which they can not provide. They only send an old credit card statement from the account. Which doesn't prove anything other than that the account exists. It may exist but it wasn't opened by me. 

I have also had robo calls to my cell phone about this debt which is illegal. I could sue for big money if I decided to. I have these saved on my voice mail. 

There is no proof I opened this account because it wasn't opened by me. They have been informed multiple times, as well as the credit agencies, that this debt is not valid and shouldn't be on my credit score ... yet it hasn't been removed. I want this removed from my credit score. I have went through a lot of trouble getting fraudulent accounts removed from my credit score after my identity was stolen, but this one hasn't been removed. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Security Credit Services, LLC
State: MI

Complaint narrative:
In XX/XX/2017, I discovered I had been the victim of fraud. Someone used my information to lease two tv 's through a XXXX store in Virginia. After speaking with the leasing company, filing a police report, filing a XXXX complaint, and submitting a complaint to the CFPB, XXXX XXXX ( the original creditor ) acknowledged that this was a case of fraud, told me they bought it back from the debt collector it was sold to, and removed the account from my credit file. However, I have now discovered that Security Credit Services, who bought the debt from XXXX, is still reporting a {$1500.00} balance in collections with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: LA

Complaint narrative:
As allowed under FDCPA I am requesting that you allow me to validate the alleged debt. I am allowed under the HIPPA to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more is to only be revealed with patients authorization. Therefore, my request is twofold, validation of debt and HIPPA authorization. Please not that withholding the information received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider about this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back. If you can obtain this information, I will also need the name of the person providing this data, and the way it was provided. If you can not obtain the information from the original creditor within the required time frame ( 30 days ) please delete this account from all of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My issue is with the late fees charged on the account. I've had automatic payment on this account since day one. The payment is debited from my checking account and applied to the loan. Apparently some months ago one payment was returned and I didn't realize it. I hardly ever log in online to check this account since my payments are done automatically. The day I log in to obtain information about the loan since I was thinking of refinancing it, I noticed that a payment was due and I made my payment. On XX/XX/XXXX I sent an email to Ally asking to see if any fees could be refunded because I saw that an amount of {$490.00} was due in late fees only. I get a response on XX/XX/XXXX and it asks me to call them because due to the nature of my request they need to speak with me by phone. I call them on XX/XX/XXXX and the person who assisted me said he couldn't do anything for me. I replied back to the email online and ask them why had they asked me to call if they were not going to be able to assist, they could have just said that they were not going to assist on their email response. Based on that email, they only refunded {$29.00}. If they check my payment history, they'll see that for the past 4 years I have not had any other late payments and I deserve to be refunded more than that if not all.

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 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX XXXX began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX to all 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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: FL

Complaint narrative:
Hello, I have made several phone calls to this agency and I have written and mailed certified/notorized letters regarding this debt with no relief. This debt was for furniture that I paid monthly for and I have my payment receipts to prove payment. It is showing on my credit bureau report as a collection. I have filed disputes with the credit bureaus and again have had no relief with them removing it. I dont know what else I can do to get them to close the collection account and remove it from my credit bureau report. This purchase was in XX/XX/2014. Can you please assist me with my case? Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I was in a work meeting and had my phone on do not sistrub. When I went to check my phone, I had 14 missed calls within a 2 minute time frame from this number ( I have the screenshot to prove it ). No voicemail was left, and this number has called me numerous times on Sunday nights as well. I looked up the number online and it is supposedly a debt collector, however, seeing as how i have yet to receice anything by mail and all my bills are paid and on time, I shouldnt even be being contacted. This is harassment and Im about to sue this company if they call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I received correspondence from Commonwealth Financial in reference to 2 medical bills on XX/XX/XXXX where services include Emergency Evaluation for {$960.00} and XXXX XXXX XXXX for {$51.00}. The provider is XXXX XXXX and were provided at XXXX XXXX Hospital on XX/XX/XXXX in XXXX XXXX XXXX, Florida. My Name is XXXX XXXX XXXX XXXX, ( The bills are in the name of XXXX XXXX XXXX ) I've not received services from a hospital in 15 yrs, Certainly not from XXXX XXXX Hospital nor been attended to by XXXX XXXX. My concern for Commonwealth Financial is what are your standards and protocol of verification of a bill to an individual? Do you verify birthdate?, Social security number? If you did, you would clearly know that these medical bills dont belong to me. I've contacted XXXXxXXXX twice and left 2 messages for XXXX XXXX to resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
Ditech makes up amounts for payments and late fees. They misapply payments and late fees to create defaults. I have complained to Ditech numberous times about their practices. They refuse to do anything about it. I have requested a copy of a default letter to provide the date. They refuse to provide it. When i call my appointed representative, it ALWAYS goes directly to voice mail and no call back is ever received, even when Ditech is given express permission in the voice mail to do so. They are a corrupt and fruadulent company and need to be shut down. In XX/XX/XXXX, I cured a default, which included lates fees. Today, I called to let them know I was curing another default, supposedly complete with late fees. When i asked about the late fees, I was told that they have some fees from XX/XX/XXXX and XX/XX/XXXX. I explained to them that this was impossible as the amount paid in XX/XX/XXXX brought the entire account CURRENT, INCLUDING late fees. Still, this default is for 2 months of payments and late fees supposedly. My late fees are {$41.00} and I was told and have it on RECORDING that they can not raise my late fees. I have been charged as much as {$100.00} in late fee, even though they tell me that by law, they can not go over the {$41.00}. Today they are charging me {$160.00} in late fees, which does not add up to two late fees or even three late fees. Not to mention a late fee was included with my payment for XX/XX/XXXX. My payment is {$1200.00} and I paid {$1200.00} Where did the additional money go? Green Tree is not applying payments to my account correctly and admitted as much today when they claimed they were still charging me for late fees in XX/XX/XXXX and XX/XX/XXXX!!! Then the rep changed the story when I told her it was IMPOSSIBLE that there'd be any late fee prior to XX/XX/XXXX still owed on this account. Someone needs to ensure that this company applies funds correctly to all consumer accounts. If they can not do so, then there are plenty of financial institutions who will.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Submitted 2 requests disputing my account with CITIBANK on line via XXXX Credit Disputing Services. The 2nd attempt, dated XX/XX/XXXX I wrote a letter indicating that this account was a time barred debt from XX/XX/XXXX and should be removed from my credit report because I believe it exceeds the 7 year fair credit reporting act. CITIBANK just changed the status of the account to Account charged of. My dispute report number is XXXX. Please advise. 

Thank you for your help in this regard.

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 2018-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC
State: CA

Complaint narrative:
According with my Purchase contract, seller agreed to pay for the escrow fee, owner 's title insurance, transfer taxes. By reviewing my closing documents I don't see any proof that seller paid for those items. The closing statement shows that the seller only paid for my agents commission, that's it. Apparently I was charge for items agreed to be paid by seller. 
Also I was charge in advance for 8 months of property taxes. The property taxes are included in my monthly mortgage payment, so I don't understand why I was charge in advance for 8 months of property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
For the first time since the age of XXXX, I have found myself without a job. As I am now in the middle of a wrongful termination suit that has gained the attention of many LGBT organizations, I am doing my best to maintain my bills and keep a roof over my head. I have remained communicative with One Main Financial regarding the status of my fianancial situation and they have been more than accomodating. However, today, I received a threatening phone call from the gentleman that originally set me up with my loan. He got extremely defensive and LOUD!!!! To the point he was yelling and would not allow me to state my case. I told him that I am currently without income and have XXXX cents to my name. At this point, he stated, " do you not remember the contract? Whaty are you going to do? You said you would make a payment every 30 days? What are you going to do? '' I told him that I have no clue what I am going to do as I am personally at a loss at this point. He stated that he will just continue to call me every single day until I make a payment. '' I stated that I will file a claim for harassment if he wants to continue with the threatening tone and continually berate me to the point I am feeling scared for my safety because he has my address. He then states that I need to get up and get a job and take care of my business like someone responsible. He told me that I can file a claim against him for harassment, but I can't do anything because I signed a contract. At the point of tears I did say " well listen sweet heart! '' This really set him off. He starts yelling even louder to the point he finally just hangs up on me. I am still shaken by this conversation and feel thereatened and afraid for my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with XXXX. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was Second Round LP. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from Second Round and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX, I logged into my account with NFCU and requested a check of {$220.00} be sent from my account XXXX to my XXXX account. Normally, when this payment is made, it comes from a different account- ending in XXXX. 

When I submitted my payment, I changed the drop down box to be the account ending in XXXX, however NFCU still debited my account XXXX. In doing so, they twice debited the account and charged {$29.00} NSF funds. 

NFCU has been unwilling to admit their error, and will not refund me the {$58.00} in fees I have been charged. I believe this error was made on their part because of their buggy bill payment service, and not a mistake on my part. I would never schedule a payment for an account with no money in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I applied for a HELOC with US Bank and they did not provide disclosures on time as required under TILA and Reg Z. I have tried for over a week to provide documents to my loan processor, however she first suggested I send the documents to her in an unsecure method via email. I advised I would need a secure way, and she advised she would set me up on a portal. I have tried multiple times to use this portal, however it is not set up where I can send messages. I have tried calling and I am placed on long holds without resolution. I feel like this is an unfair and abusive practice - I have been placed on many holds without resolution. I am trying to supply what I need to move forward with my mortgage - i am unsure if they are stalling because they know I am in a same sex marriage, or if there is another reason they are purposely delaying this application. At this time, I have been on hold with this XXXX number for 18 minutes and counting. I was transferred here from a sales line, which I was able to get through on in 2 minutes, and was assured their office in XXXX, OR would be able to respond. I am about to hang up and withdraw my application, but I feel like the CFPB should investigate their Reg Z and UDAAP violations.

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 2018-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Since I have had the loan, almost 10 years, I have always paid on time without a hitch. In the recent months I fell behind and missed a payment. The first in 10 years. I have tried to work with them to lower the payment or have a temporary forbearance and Navient advises they dont do that. They said they dont offer any assistance with payment issues. I tried to work with them ti bring my account current and I even made a roll back payment. I was told that would give me 30 days to make another payment. Since I started to make an effort to work with Navient I have gotten several calls a day. Sometimes more then 10 calls a day back to back. Even after the roll back payment. I asked them to cease and disist but they refused. I want proper action taken against Navient as practices like theirs are illegal and go against consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX I entered into a contract with XXXX XXXX to settle several of my credit card debts, including one with Walmart. XXXX XXXX successfully settled this debt in XX/XX/XXXX. About two weeks ago this debt showed up as a collection on my credit report. When I contacted XXXX XXXX they confirmed it had been paid. They have been working to clear up the problem and said that the collection agency that reported it was XXXX XXXX XXXX. Today I received a phone call, not on my phone but on my sister 's phone ( my secondary phone number ) from someone saying they were from XXXX XXXX and they wanted the last four digits of my social security number for identification purposes. I would not give it to them. I told them this debt has already been paid, should never have been put in collections or on my credit report, and would be reported. They said if I would just give them my social security numbers they could help me. I refused and they hung up on 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 2018-04-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This information is all errors : XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/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