vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bass & Associates, P.C., Attorneys at Law
State: PA

Complaint narrative:
I paid my student loan and the collection companies they send I showed proof that the loan was paid. I have two complaints with you. You said contact Department of Education so I call XXXX and put the complaint # XXXX and they keep telling me to contact Bass and Associates. I already contacted them with no reply. Please help me end this it's a big problem I don't want anybody trying to dock my pay or anything like that over something that is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX this company contacted my place of employment and left a message on a co-workers phone. I feel that this is a violation of my privacy. First of all if they were to continue calling this person that person would have to start to wonder what's up. 

I have as of today XX/XX/XXXX. Left them a message to no longer call my place of employment. 

This debt is now being negotiated by XXXX XXXX. 

I had tried to make good on the payments and am now unable to do so hence why XXXX XXXX was contacted. 

They contacted all of the companies put into the program but Mariner Finance is the only one who called my employer and left the voicemail. 

XXXX gave me a safe number to change as my contact info. I did this for all the creditors but Mariner Finance is the only one ignoring it. 

I know original creditors have some leniency but in the case of leaving a message on someone else 's voicemail at work is or at least should be a violation regardless of what the message said.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Atkins & Ogle Law Offices, LC
State: OH

Complaint narrative:
Filing BK cease and desist

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sterling Infosystems Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX was contracted by a prospective employer to perform my background check. I provided contact information for my prior employer XXXX and a contact name and number, they failed to contact the company and or the direct manager contact I provided. They completed the background check, and they submitted the background report to my prospective employer and indicated my time and service length was in accurate. They put down that I worked at XXXX for 1 year and 8 months, simply because they were lazy and did not want to do the requisite call into HR at XXXX  and or my contact to verify my complete length of employment. I worked at XXXX for 1 year and 9 months as a XXXX and 1 1/2 years as a XXXX XXXX. Instead of XXXX XXXX XXXX doing the legal work they are supposed to by law, they decide to skate their professional responsibilities and submit a non-accurate employment timeline at XXXX  to my prospective employer. The report indicates a consider on this employment verification, when they should have called HR or my contact which would have provided the accurate timeline which I put down in the initial background check and would have closed this employment verification as complete. FCRA and federal regulations require XXXX XXXX XXXX to meticulously VERIFY before submitting to client. In this case, they not only didn't call to verify - choosing instead to type into an automated system, but they never called after the data mismatch to properly and meticulously confirm with a Human being, HR rep or my point of contact at the company. They instead submitted the inaccurate information in the completed report to my prospective employer and put CONSIDER on the results which is 100 % not accurate and reflects my submission in a negative light to the prospective employer. XXXX XXXX XXXX  has a long record of inaccurate reporting, they have had numerous lawsuits, class actions lawsuits, FCRA violations etc. I am reporting them for this and I am also filing an FCRA complaint forth with. They have tarnished my reputation, defamed my reputation and have caused undue harm and stress with this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I started working with XXXX XXXX back in XX/XX/2018 I was told that if I made 7 payments of {$170.00} every 2 weeks then my loans would be completely discharged/wiped off my credit reports. That was a lie. 7 payments would have been a total of {$1200.00} but I actually paid {$2200.00} for a total of 13 payments. Nothing was taken off my credit reports. It states that I started working with them in XX/XX/2018. I called about everything and I was told " no that not true '' and " we have no records that payments were made '' I had to change my bank account information because they kept drafting my account. Everytime since I changed my bank account information they wont answer my calls or return my calls. And to this day it's still on my credit and they keep raising the interest rate on the loans. If something doesnt happen, I will switch companies. And please call me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MCM has not tried to resolve the issue in which I mailed certified US Certified mail and no response. When I call them its always the run around and there going to call back and never call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: CITIBANK, N.A.
State: NC

Complaint narrative:
The XXXX washing machine that we purchased on XXXX has a severe washer cycle dysfunction when the '' heavy cycle is needed. A repairman came out two times for that same problem. The agitator makes this large unbearable noise while it is suppose to be washing, then the rinse cycle goes on for another hour, using excessive amount of water, then it takes all day to drain, then it cycles again. My wife and i went out to the store in person XXXX XXXX NC, and we were told, that the repairmen must come out to see and that it is stated in our Warranty, it is nowhere in the warranty it states any 3 time repair rule. On XX/XX/XXXX, a rude customer service agent named " XXXX '', Gave us an ultimatum, " the repairman has the last decision. We asked to talk to the manager, and she said FINE! - she is not here today. but here is her name and number " XXXX XXXX XXXX it is a general store number. That is how deceitful they are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The supervisor Mrs. XXXX from the PNC bank, yesterday, XX/XX/2019, re-opened a claim on one of the transactions of my debit card, but hadn't informed me that she also closed my debit card. 
Today, I was trying to get funds from my debit cards from 2 ATM 's, one at one of the PNC branches, and could not see neither my balance nor withdraw the money. 
Having not informed me about the fact that the supervisor had closed the card, Mrs. XXXX had violated 1. the Act about the Free Access to Information ; 2. my Human Rights ; 3. my customer 's rights. 
She inhumanly put me at the situation, that I can not freely use my own funds, having spoiled my weekend and having stressed me, which is not advised by my doctor.he I spoke with another supervisor Miss XXXX, who said that there was no way for me to get the necessary funds today. She advised to go to one of the branches tomorrow, which is impossible, as they are opened before the time I can reach them : I am working during their business hours. 
Their service is bad, and I will inform about it everyone I can. 
XXXX XXXX P.S. Having made a mistake, the Bank SHOULD have a way to reopen the card as quickly, as they had closed it not violating Human Rights of a customer!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX, I applied for a Citi XXXX Visa card. In reviewing the application and approval emails from Citi there was no mention of annual fees. In the approval email I received on XX/XX/XXXX, there is a link card benefits. On that linked web page, the phrase annual fee is mentioned only once : there is no annual fee. On XX/XX/XXXX I was charged {$60.00} for an annual fee. 

Citi charged annual fee without divulging that an annual fee was associated with the card. Rather, their website leads one to believe the opposite - there is no annual fee. 

On XX/XX/XXXX, I sent a certified letter to Citi addressing this matter. On XX/XX/XXXX the letter was delivered. They have not responded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: SC

Complaint narrative:
I feel like I am missing a lot of payments on my account. Particularly for XX/XX/XXXX and XX/XX/XXXX. I have been on the IBR repayment plan I believe since XX/XX/XXXX and because of low income during residency/family size my payments were $ XXXXmonth. I feel like my payments should be a lot closer to 70 payments and instead only showing approximately 20 payments. I know Navient is involved in multiple lawsuits alleging misallocation of payments and I feel like my account is on par with the same alleged complaints. I have also been put in forbearance in the history I have been with them due to them saying they never received paperwork for spouses history when I in fact did send it. Can someone address this please?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Credit Collections Inc.
State: TX

Complaint narrative:
NOT, MINE. FTC VIOLATION. HIPPA VIAOLATION. HAVE NO KNOWLEDGE OF THIS COMPANY.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was told by a navient representative that if I made XXXX on time payments and sent in all the proper information that I could get my co-signer released. I've made these on time payments. Last XXXX there were fires in California where I live. I got a message from Navient saying that because of the fires they were giving a disaster relief forbearance. I called them to make sure this wouldn't effect my co-signer release and I'd be able to keep my XXXX consecutive payments with no problems. They assured me it wouldn't effect me negatively. Fast forward to now. I sent them all my tax info, my diploma and proof of citizenship. My XXXX payments have been made and now they're telling me that I do not qualify because last XXXX there was a late payment. My loan history shows nothing of a late payment and this is contradictory to what I was told when I called in to make sure I'd be ok if I accepted the disaster relief. I'm stuck and they are not helping. I've been paying on these loans for 16 years, I just want my co-signer released. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the accuracy of items being reported on my credit report by Equifax, XXXX and XXXX. It has been several month sending letter to them requesting a complete investigation and to send me documentation verifying that they did an investigation and that the items that has been reported in which i am disputing be verified just as the federal law states, The Fair Credit Reporting Act requires that verify the validity of the item within 30 days. If the validity can not be verified, they are obligated by law to remove the item. 

it has been over 5 months and they have not did an investigation and keep sending back letter that they did an investigation in which they have not done. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile. in addition i have informed them that their is someone with the same name as I have that they have possibly mixed up their information onto my credit report and therefore to send me documentation. They continue to send these generic letter and lie and state that they did an investigation and that they verified that the item belongs to me when in fact the item does not belong to me and they did not do an investigation, if they really did an investigation they would realize that the items do not belong to me. They are putting profit over what is right and what is the law and in the meantime they are causing me undue stress and great financial damages

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
HSBC USA Fraud Department denied my fraud claim without producing any evidence. 

I Traveled to XXXX XXXX from XX/XX/XXXX to XX/XX/2019. I lost my wallet and my HSBC credit card ending in XXXX ; the card was NOT in my possession when it was used fraudulently on XX/XX/XXXX. I don't know who used it. It was used on XX/XX/2019 at XXXX de XXXX XXXX XXXX ; The total fraudulent transaction amount was {$2700.00} I contacted HSBC Fraud Security Center immediately after I realized I had lost it. I waited for the investigation and on XX/XX/XXXX I received a letter from HSBC stating that the claim was denied. I contact the security center to receive an explanation of the investigation and proof of the purchase, and they were very secretive. I finally ask to speak with the investigator her name is XXXX XXXX. She wasn't available, requested to have her call me back, never received a call. After multiple times calling and calling to get the documentation involved in this transaction and the investigation paperwork. I was told that they had not received the credit card receipt that they had requested multiple times and that the company where the credit card was used at hadn't send the receipt yet. 

Then I asked why they are making me liable of charge that is fraudulent? the answer was because they feel the transaction wasn't fraud. I asked how they know I'm not telling the truth with no evidence backing that decision. They are avoiding to give answers and produce conclusive evidence of the investigation. I call and call and XXXX is never available. 

I really need help. I was hesitant to use HSBC as my primary bank and now I feel I was right. They are discriminating me and I feel without evidence accusing me of using the card for my benefit. I need help with this company. I'm accused and liable of a credit card charge I didn't commit. 

Attached is he police report. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I purchased and financed a vehicle in XX/XX/XXXX at that time I also purchased some Service Contracts as well as a Gap Insurance policy. 

XX/XX/XXXX my car was in an accident and deemed a total loss. My Insurance Company immediately paid the cars value, which left a gap amount of approximately {$4400.00}. 

My Gap Insurance responded with a number of excuses, they did everything except pay the claim. This lead me to file an insurance complaint with Florida Department of Financial Services. 

My GAP policy stated that the policy was between the dealer ( Mercedes Benz XXXX XXXX, FL ) and I, which lead me to list " Mercedes Benz '' as the provider on my complaint. 

Mercedes responded that they do not sell insurance but yet instill they did pay some some of the balance due. Mind you I have been emailing Mercedes since XX/XX/XXXX to have this GAP balance paid and after all that on Friday XXXX I received a call from a collection agency. 

The agent stated that she was calling on behalf of Mercedes, I  couldn't believe that they had my account sent to collections without the courtesy of a phone call or a letter to update me on the final status. 

This lady went on to tell me about my account my account being in collect of course Mercedes made it appear as if they have been trying to collect since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX  and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX}. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a XXXX payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 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: AmeriCollect
State: TX

Complaint narrative:
FTC VIOLATION SENT TO EVERYONE WITH THE HIPPA VIOLATION THESE ACCOUNTS ARE NOT KNOWN TO ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: GA

Complaint narrative:
I am formally writing this letter of complaint to you in regards to Equifax Credit Bureau. Equifax violated FCRA rules and consistently failed to delete unverifiable inaccurate, adverse, and erroneous accounts that has been posted on my credit report. Beginning XX/XX/2018, I have sent over three ( 3 )  certified requests for Equifax to send me verifiable information which to include a contract verifying that they have the proof that the account is indeed mines. The accounts that I have asked for proof are as follows : XXXX acct # XXXX amount {$2000.00}, XXXX XXXX acct # XXXX amount {$200.00}, XXXX 's Acct # XXXX amount {$730.00}, XXXX XXXX Acct XXXX XXXX amount {$730.00}. Under the laws of the FDCPA, I have contacted the companies myself and have been unable to get them to verify that the debt is indeed mines. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ), Equifax is required by law to verify through physical verification of the original signed consumer contract and any and all accounts they post on a consumer credit report. I have requested documentation via Certified for since the beginning of XX/XX/2018. I have yet to receive a any documentation from Equifax. Due to the negligence of Equifax failing to honor my request, it has caused me emotional distress and extensive grief because I am not able to obtain the credit. Also, I advised Equifax that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. In the failure to show proof of an original contract bearing my signature, I formally request Equifax immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security Number. I am a litigious consumer who tends to litigate if this request is not honored. I have proof of certified documentation with postage that will be used in my litigious request I have solely address this complaint to CFPB concerning Equifax. Thank you for time and look forward to this negative impact to be resolved.

Company response to consumer: Closed with explanation