vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
I have applied for a short sale of my home and have been in review for over a year. In  XXXX   XXXX  my home was appraised and an offer was submitted however due to repetitive document requests we were forced to have our property valuation redone in  XXXX   XXXX . I was advised on  XXXX / XXXX / XXXX  that the value came in higher than my offer and that I could counter or dispute the value. I was given a list of items needed to dispute that value and was advised that I had time to do so, but was not given an exact time frame. I submitted the information to the bank on  XXXX / XXXX / XXXX  showing pictures and  contractor  information for the repairs of the home. I followed up with the bank on  XXXX / XXXX / XXXX  that the documents had been received as the account representative stated it could tak e 48-72 ho urs for docs to be uploaded, however the rep at that time advised the file was closed out on  XXXX / XXXX / XXXX  for an insufficient offer and that the sale date was set on  XXXX / XXXX / XXXX . To my dismay I was not aware that the foreclosure proceedings were continuing while in active loss mitigation review. According to CFPB guidelines :  Restricted Dual-Tracking :  Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. Why would this continue if I was actively being reviewed for a loss mit option? I would like to be allowed to have the valuation dispute reviewed and the opportunity to counter. 10 days is not enough time to do so in any regard.  SPS  now refuses to to give me the information I need to appeal the decision and the letter they sent to my authorized third party does not give a reason for denial or even information on how to appeal. 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 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Care Credit is a type of medical credit card, I believe Syncrony bank backs it ( their site says they are in FL ). I have had the card sin ce 2014. Part o f what Care Credit offers is deferred interest for a period of time, i.e. deferred interest on your medical procedure cost for 6 months, or a year, etc. As long as you pay off the balance prior to the promotion 's exp. date you pay no interest.  Since 2014 I h ave always paid off the balance before the exp date. I just realized though that they have been charging me interest each month for over 2 years. I called and they said its because back i n 2014 I h ad a late fee. And despite my account being on auto draft ( i.e. THEY are taking my payment each month themselves and applyi ng it ) th ey have not applied a dime to the late fee or to any interest ( so that they could continue gouging me of course ). So they 've been charging me interest on the late fee from 2 years ago. Which I did n't  know one cou ld do that, but anyway I said OK I 'll just pay the late fee - however they now claim that the interest kept going, and that they will continue to charge me interest each month, ON THE INTEREST that had previously accumulated on that ( now paid ) late fee in the past! My attorney suggested that I start by reporting this to the FTC / A.G. 's office - I have submitted this to the FL Attorney General 's office as well.

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 2017-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
In  XXXX  or  XXXX  of   XXXX  , Carrington sent me an escrow statement, and explained that my homeowner 's exemption had expired, which resulted in my mortgage payment being raised by over {$300.00}. They told me to g o to my county and ap ply for another exemption, send them the receipt from the transaction, and they would adjust my phkebt. I proceeded to go to the  XXXX  County Courthouse to file for another exemption, which was granted. I sent the paperwork to Carrington, and they told me that they could not accept it, a nd that the county need ed to send it directly to them  (  whic h the county doe s not do ). In the meantime, I was faced with paying the high payment due to them not adjusting my payment as they promised. They said that there was nothing that they could do, even after I tried to send them the {$1400.00} check tha t the county se nt to me as a result of the overpayment. They told me that I would just have to pay the higher payment that I could not afford until the next year. I countinuously called, and finally they lowered the payment a little bit by stretching the escrow shortage out over 24 months, and causing more interest accrual for that period. This is all in effort to make more money off of the customer. I then called at least 10 more times, which is documented in their system. I was calling almost every week since last  XXXX . They have been marking my veesoy report 30 days pat doe, because they set me up for an impossible mission of paying this high amount even though I tried to send in the escrow shortage, which they refused. My credit is now RUINED because of them, and I want them to own the mistake and fix the Lates on my credit. After months of being told that there was nothing that could be done, I called in last month, only to be told that they could have given me a forebearance in the first place. I am LIVID. Now I have to wait years for my credit to rebound because of a lack of competent customer service agents. Please help me fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation
State: NC

Complaint narrative:
In  XXXX  of  XXXX  I was rushed to the hospital by  XXXX . I am a unemployed  XXXX  veteran who only care it thought the VA and only income is my VA benefits. I worked out a payment plan with the hospital and was paying the City of Washington  XXXX  sporadically when I had extra money. When I had completely paid the hospital bill I contacted the City of Washington  XXXX  in  XXXX  to find out my remaining balance and to work out a payment plan. I was informed at the time that my account was being handled by Data MAX ICC I asked for a printout for my payment history which was faxed to me by Washington  XXXX . I was thanked for my wiliness to pay. My balance was  XXXX . I contacted ICC as instructed my Washington  XXXX . The  XXXX  was very nasty she informed me that I owe over  XXXX  dollars I informed her that I had a Printout for  XXXX  and proof of my current payment that indicated that it was not. After getting the mailing address to forward my payment and the rep updated my contact information She called on a regular bases to harass me and to remind me of the 200+ balance Her tone and abusive bulling lend me to tell her not to call me again and I will deal with the  XXXX  directly I was informed that my state income taxes will be garnished and I believed that ICC have garnished my state taxes for  XXXX  due to the fact I was informed that I will be receiving a lesser amount and will be notice in 10 day the reason.Nevertheless I made phone called back and forth to both the collection co and the  XXXX   in a  effort to work out this problem at that time  XXXX  continue making payments I made two payment of  XXXX  in  XXXX  and  XXXX  of  XXXX  I had a check made out for what would have been my final payment to the collection co for  XXXX   XXXX , however a phone call made to the  XXXX   ( I ha d made a total of  XXXX  call trying to get this resolved ) revealed that they were not getting payment from ICC. The rep for  XXXX  stated that they have also reached out to ICC to help me resolve this issue and felt they were right. Which does n't make sense since ICC worked for them. I was told that I was not the first to complain about ICC. This whole ordeal depressed me to the point I stopped trying until now. I have included some attachment however the bank does n't keep older files

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am requesting valid proof of the alleged item. Additionally, I 'm requesting the original contract or document with my Name, Address, and  Signature.  Also, the Name, Address, Telephone number, and signature from the original creditor  XXXX   XXXX   XXXX  University  . If  the requested documents can not be produced. Please delete the item in question from All Credit Bureaus. Please see attached document for the items requested.   Thanks ...

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 2017-04-27 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: TX

Complaint narrative:
A lawsuit was filed against  XXXX   XXXX   XXXX   XXXX  now known as  XXXX   Bank File  number  XXXX  for deceptive and discriminatory credit card practices and now Midland Funding LLC is using deceptive tactics to collect debts. This is not a debt that I owe. Why is this still showing on my credit bureaus?     Collection Agenc y MIDLAND FUND Original Creditor   XXXX   XXXX   XXXX   XXXX   XXXX  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed Date --  Responsibility Individual Balance {$990.00} High Balance {$990.00} Last R eported  XXXX   XXXX ,  XXXX  Remarks Account information disputed by consumer, meets FCRA requirements Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it 's going to stay on your credit report, but info has been updated to reflect recent activity.     Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data.   The terms are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates, LLC has  been harassing me and my family since  XXXX   2014. Th eir employees went as far as to call out my social security number without even confirming if I was the actual person they were looking for. Even my bank account information was disclosed in certain phone calls. Several employees threatened me with coming to my place of employment and arresting me, if I did not pay the amount they demanded. Also, certain threats were about withholding money from my bank account and sending me to jail, not releasing me until the full amount they demanded was paid in full. From this ordeal, I have absolute no knowledge about what account they keep calling and threatening me about . One threat d id happen, that company put that unknown account on my credit report and now it has impacted  me credit score neg atively. I believe my information was sold or stolen somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name SYNCB/ROOMS TO GO Status Paid, Closed.   Date open ed  XX/2014  Deta ils Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.

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 non-monetary relief
Consumer complaint received 2017-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: First Associates Loan Servicing LLC
State: NV

Complaint narrative:
Included in my loan agreement is a provision ( found in sectio n ( E ) ( 9 ) ) th at states I am eligible for a three percent ( 3 % ) reduction in the Margin of my Loan if I satisfy certain requirements. Currently, my Margin is 17 % ( without said reduction ). I meet the requirements for the Margin reduction.   I first messaged  First Associates o n  XXXX   XXXX ,    2017 as king for a list of what they would consider sufficient documentation. They did not respond.   I mailed a letter dated  XXXX   XXXX ,    2017 re questing the reduction and provided ample documentation demonstrating my eligibility. In said letter, I requested that I be notified within 10 days if any of the documentation was unsatisfactory. Otherwise, I requested that the reduction be applied to my Margin effective immediately.   My letter and documentation was received  by First Associates o n  XXXX   XXXX ,  2017. I ha ve not heard anything from  First Associates re garding my request, nor has the reduction been applied to my Margin.   I require that they uphold their side of the loan agreement and apply the 3 % reduction to my Margin, retroactively effective to the request date of  XXXX   XXXX ,    2017. M y new Margin should be 14 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rauch-Milliken International, Inc.
State: IL

Complaint narrative:
I was contacted by  Rauch-Milliken International , I  XXXX  on behalf of  XXXX   XXXX    XXXX   concerning an outstanding obligation of {$1300.00}. The amount due was related to advertising in the  XXXX   XXXX   XXXX . I was disputing the amount due with  XXXX   XXXX  since the advertising provided was late and it was not in the agreed upon format. The account was turned over to  Rauch-Milliken f or collection and they proceeded to send threatening letters suggesting they would purse asset attachment or seize my bank accounts unless I paid the outstanding balance immediately. I also received several harassing phone calls threatening the same. The representative suggested he was calling from an attorney 's office as opposed to a collection agency. I explained that I was in discussion with Home Pages directly and that I was disputing the amount due but they continued to call repeatedly. They also contacted my employer despite my instructions to only contact me on my cell phone. In addition, they sent a threatening fax to my attention at my work fax number. I spoke to a  Rauch Milliken re presentative on the phone on two occasions and in both interactions the representative threatened legal action, used profanity, and even called me a " dead beat '' for not paying my bills. This company is completely unprofessional and their collection tactics are in direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.
State: ME

Complaint narrative:
On  XXXX   XXXX ,  XXXX ,  XXXX  Asset Recovery Associate s Inc. ( ARA ) conta cted me, and informed me I had to pay a {$1200.00} debt for an old  XXXX   XXXX  card. I told them that it had been settled around   XXXX - XXXX  but  they insisted I would have to pay to avoid legal repercussions. Specifically a derogatory mark on my credit history to start. I explained again that the debt, which had gone into default in  XXXX , was settled and whatever paperwork I had from it was no longer on file since it was past statute of limitations for keeping it. I asked what legal claim they had to be asking for the money, and why they had n't sent me anything in the mail, to which she replied they were not obligated to do such. If I wanted they would send me paperwork on the settlement if I agreed to pay 10 % of the total debt so they could send me an overnight package containing the information I wanted. This {$120.00} dollars would also stave off any legal action. I received a package the following day which contained a receipt for the {$120.00}, a paper stating I had to pay {$1200.00} by  XXXX   XXXX  or suffer derogatory credit reports, and a self-addressed stamped envelope to mail said payment in with. The first {$120.00} was not removed from my alleged debt, and there was no validation notice, affidavit, or any other legally binding proof that I owed the debt, again. On  XXXX   XXXX , they contacted me again to make sure I 'd gotten the package, and to verify I was going to send more money to which I replied that I was not sending any more, I wanted my initial payment back, and that I was not obligated to give them any money. She told me I would have my wages garnished, and they 'd take me to court if need be. I hung up. After talking to my local bank manager I got copies of all my credit reports, which the debt in question was not on any of them, and he suggested I call ARA and request they refund my money, and cease any more actions over this fraudulent collection, when I mentioned the lack of a validation notice or paperwork explaining my rights under the Federal Credit Bureau and that they were trying to claim an already paid debt she hung up on me. I attempted again on the  XXXX  of  XXXX , and the associate said she 'd put in a request and promptly hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a letter fro m Capital One  Bank dated  XXXX   XXXX ,    2017 stat ing  that Capital One  Bank was closing my account due to Principal ow ner ( s ) have  past, present or pending legal action on acct ending  XXXX  which is my personal account. I have contacted this bank and asked them what legal action do I possibly have they would not tell me, I knew I had none pending in any cou rt , county o r anywhere except for a divorce. I told the bank representative that all i had was a divorce but they insisted it was more I searched all federal and state records and even had an attorney look into it and he stated he could find none. Then 2 days later I received a letter dated  XXXX   XXXX ,   XXXX   stating tha t Capital One B ank was removing one of my authorized users from my business account ending  XXXX  because of her past, present or pending legal action even though she is not responsible for this account she is just an employee. Then I received a letter from  Capital One Bank  stating that they were closing my business account ending  XXXX  all together for these same strange reasons of past, present or pending legal action. I have not been charged with any crime or convicted of anything. I have paid these cards faithfully one time and with extremely more money than what was required for the minimum payments du e. Capital One has hur t m y Credit Score b y closing these accounts with balances on them and this sort of action is very unfair and should be against the law. I am including copies of the letters from this unprofessional, inconsiderate bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Hello CFPB, I have been a victim of Identity Theft and Central Financial Control continues to ignore my rights under the FACTA among other federal mandates. I noticed a couple of fraudulent accounts under my name and began my fight about 1 years ago. Central Financial Control has receiv ed 3 letters  from my since  XXXX . I have even faxed over the documents and still nothing. Please help me resolve this so I can continue on with my life. This company needs to be investigated for their practices.     Thank you,  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 2017-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: MS

Complaint narrative:
I was scammed by someone in Florida when I stay in Mississippi on  XXXX   XXXX  ,2017. The y took {$730.00} off my card and I have not received the money yet and it 's  XXXX   XXXX  ,2017. Ini tially they told me it would tak e 30  to 45 days to dispute this matter and today they tell me it  will 45 to  90 days. They are giving me the run around and not being truthful!! I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-27 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened  XXXX /2014  Details  Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.

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