vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2016, I went to an ATM at the Chase Bank on XXXX in XXXX, NY to make a withdrawal for {$460.00}. When making the withdrawal, I took to long to take the {$460.00} out of the machine and the ATM took the {$460.00} back. I did not receive the {$460.00} from the ATM. I have been calling Chase 's claims department for almost XXXX weeks trying to have someone apply the credit back to my account. Every day that I call, the representatives continue to give me different time frames about when I 'm going to receive my credit. I just want my money applied back to my account. Can someone please help me???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AmeriCollect
State: NY

Complaint narrative:
None of the options listed above describe the situation I had. My issue with Americollect is that I have never heard ANYTHING from them. I went to apply for an apartment and this was not a big enough deal for me to not get the apartment but they have had outstanding debt that they have never tried to contact me about for two years now and it seems to have tripled in size because of the delinquency. I am happily going to pay the debt as soon as their office is open, I am just extremely upset about the lack of an attempt to contact me in what seems like a blatant attempt to grow the size of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
Due to financial hardship contacted XXXX to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be XXXX months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted XXXX and was informed that it was returned by XXXX via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, XXXX demanded XXXX months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} XXXX. XXXX sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : Dovenmuhle or XXXX. Receiving phone calls up to XXXX XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from XXXX and Dovenmuhle on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: First Data Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I was awarded FAFSA ( XX/XX/XXXX was awarded Federal Work Study ) from XX/XX/XXXX, but instead of sending me a check I have to either choose a service between either a " Wolverine Card '' or Direct Deposit service provided by a company called XXXX ( XXXX ; the company ) ; XXXX does not issue checks. XXXX, both on their website and at the financial aid office, has authorized this company to release of these funds by my only XXXX options. 

XXXX explained I should have receive the funds BY XX/XX/XXXX but within XXXX business days from time of award letter. I did not understand the statement so asked for clarity. She explain, by example, that if I had been awarded on the XX/XX/XXXX then they have XXXX business days to deposit the funds, but if I was awarded on the XX/XX/XXXX then I would have to wait until the XX/XX/XXXX of XX/XX/XXXX. 

It has been well over XXXX business days so I called XXXX at their toll free number. The customer rep informed me of XXXX things : XXXX Unless I get a card from them they will not release the funds 5 days AFTER the XX/XX/XXXX ; XXXX That from his screen he was only permitted to view my deposit information ( invasion of privacy to give reps display of bank account router and account number ) ; and XXXX and if I wanted my funds before the XX/XX/XXXX I need to get the card. This is extortion similar to the banking practices of 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 2015-05-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
The original bill from XXXX XXXX XXXX was for XXXX XXXX for my son. It was sent to my ex-husband, and I was not aware that it existed until it was sent to collections and popped up on my credit report in XXXX of XX/XX/2012 At that time, I contacted the collection agency to find out what this bill was for, as that was the XXXX time that I had been made aware of it. Because no one ever bothered to inform me that the bill existed, they gave me 30 days to pay the bill in full -- which I did -- and then they removed it from my credit report. I thought the issue was resolved at that time. 

Now, XXXX years later, it appears that the original collection agency sold the debt to a different collection agency ( XXXX XXXX XXXX ), who is now attempting to extort money out of me for a bill that I have already paid. They are telling me that I need to pay this bill in full within 30 days if I want it taken off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Creekside Recovery And Capital Management
State: CA

Complaint narrative:
I was called by a process server contracted by Creekside Recovery and Capital Management. The process server stated she was driving to the known residences of " XXXX XXXX '' to serve lawsuit-related documents. I told her I was not XXXX XXXX ; I am XXXX XXXX, his son. She gave me two addresses which she was going to ; these were prior addresses of mine. Neither of these addresses has ever been the address of my father and I told her that ; she said she did n't care. One of these addresses is the current address of my mother, who is divorced from my father. I was very concerned that this process server would show up at my mother 's house. I called the number given to me by the process server which is the number of Creekside Recovery and Capital Management. Creekside Recovery and Capital Management refused to identify themselves as Creekside Recovery and Capital Mangegment ; instead they used the term CRCM. They also refused to assure me they would double-check on whether the addresses they were sending a process server to were the appropriate address for XXXX XXXX. So they refused to assure me my mom would not be harassed at her home and they refused to assure me my former landlords would not be harassed at their homes. I have not lived with XXXX XXXX in over 10 years, have no connection to this matter, and believe I am entitled to assurance that no process server will be going to these addresses ( or at minimum that they would take some steps to double-check on where those addresses came from in their system XXXX. Furthermore, I believe it was inappropriate for them to identify themselves using an abbreviation when I asked them for the specific name of their company ; they used the same tactic when my mom spoke to them. In and of itself, this intentional misdirection concerning their identity is a form of harassment ; I had no way of knowing they were a real company and not a malicious group of scammers with private information about my family. Finally, they even threatened to sue me for calling them repeatedly to try to get their full name ; again I was only trying to get their full name to confirm they were a legitimate corporation so that I would not fear for our safety. I only found their name later using XXXX and it required multiple searches. Prior to finding their name I also submitted a complaint to the FTC with reference number XXXX do not talk with my father and do not want to be involved with him in any way ; that 's why this matter is disturbing to me. My mom also does not want any involvement with him or this matter but it has been imposed upon us by the aggressive tactics of CRCM and their contracted process server.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: WLCC
State: FL

Complaint narrative:
As below : they acknowledged my request to not call my place of business and then called this morning and violated that.I have a voicemail to prove that. 

********************************************************************* You have now violated my request and called my place of business again. I know that you can be fined for this. If I have to get a lawyer I will. I am not allowed personal calls at work. Cease and desist. 


From : XXXX Collections & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : RE : ArrowheadAdvance Message ( response ) XXXX XXXX XXXX As you can see we received your email, and will stop the calls to your employer, but what I needed to know is what are you disputing we have a signed contract on file. If this is just something financial then please let us help you. By telling us not to contact you and that you are disputing the loan only makes it more difficult for me to help. If you can please give us a call at XXXX. 

Best regards XXXX XXXX collection Manager XXXX ext XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I had a water back up into my home. XXXX XXXX XXXX, XXXX a remediation company removed sheet rock, took up floors, and determined cabinets would need to be moved from the home. They had fans in the home until XXXX XXXX. The insurance company wrote a check at this time for {$28000.00}. This was mailed to the mortgagee company on XXXX/XXXX/XXXX. An additional check from {$10000.00} was sent on XXXX/XXXX/XXXX. The only checks I have received to pay for my repairs was {$480.00} on XXXX/XXXX/XXXX and {$12000.00} on XXXX/XXXX/XXXX. I was told on XXXX/XXXX/XXXX they would pay XXXX out to the contractor and I and then XXXX at the halfway point and the remainder once it was finished unless I showed them paid in full invoices. I started sending paid in full invoices via fax and email on XXXX/XXXX/XXXX. The contractors estimate was sent on XXXX/XXXX/XXXX. I called every three days as instructed for status. They did not confirm receiving anything until XXXX/XXXX/XXXX at which point they acknowledged receiving the XXXX versions I sent. The girl promised she would upload my file for review herself. On XXXX/XXXX/XXXX this still had not been done. I spoke to a supervisor who spent over an hour stating what she was requesting be issued from my escrow funds. Long story short nothing has happened other then getting XXXX of my funds payable to me and the contractor. He has been paid in full and the XXXX was for more then what I owed him since I am supplying all the materials. I am unable to get the remaining funds even with a lien wavier signed and notarized by the contractor and paid in full receipts from the contractor and from the supplies. If you are not the correct person to complain to please let me know. I have a lot more information and dates just want to verify this is the correct place to file a complaint before I continue. I will attached a summary up until XXXX/XXXX/XXXX of my receipts and correspondence. I have the remaining information and supporting documents if required. I am truly at a loss on how to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Special Financing Company, LLC
State: CA

Complaint narrative:
Financial aid Services was the company that processed my student loans. They told me to give them all my information and they would send my loans to be consolidated and then would process forgiving a large portion because I was unemployed at the time. They did n't do any of that. Everything was done through the phone and they tooknow my social security, my drivers licence, date of birth and my bank account number and wanted my immediate signature to process some information. I was directed to a website so I do n't even have anot email. All that I do have is that if the processing did n't go through and I did n't receive XXXX welcome packet in the mail, to contact XXXX at XXXX. I later started receiving automatic deductions from my bank account that I thought were paying off my student loans. The payments were to " Special Financing Company LLC ''. I only found out it was fraud months later because myou Fed loans bill came and my balance is much higher than it was supposed to be. I was unemployed and totally depressed. How do they do this to so many people and sleep at night?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hello, I graduated from XXXX XXXX XXXX in XXXX NY in 2004. I have been paying on the loan for the past 12 years, have paid off very little principal, the interest is adding too fast. I would like to get these loans forgiven because the school has gone out of business, the degree has no accreditation and no respect in the work world. I was defrauded by this company. I have federal loans from XXXX XXXX, and private loans with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: N.A.R., Inc.
State: AZ

Complaint narrative:
North American Recovery calls about a debt I do not owe. They call family and friends, they call business numbers, and fish for additional information. They have been asked to stop contact, and they lie and deny they ever called at all, even with the caller IDs specifically identify them. I do not know what debt they are calling about, I do not have any. They are rude, they are abusive, and they are calling people they should not be contacting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I was contacted by phone by Rent Recovery Solutions, XXXX. The collector told me that I owe a debt that I do not owe. I requested that she mail information to verify the debt to me. I gave her my current address and she recorded it. She stated that a letter went out to an outdated address. I said, please mail me information in writing to my current address. She refused. She said that if I did n't give her a fax number or an email address, then I was not going to get it. She was belligerent and combative about it. I asked, then why did you take down my current address? She said she would not mail me anything and that she could only use fax or email and that it would only have the name of the creditor and the amount due, no explanation as to where the amount came from or why. I informed her that it is my right as a consumer to have verification of the debt and the amount mailed to me in writing, and she still refused. She has called me back 4 more times, even though she has refused to verify the debt in writing. I believe the behavior of the debt collector is in violation of the Fair Debt Collection Practices Act. 

I have since disputed this debt in writing to this company. The letter that was mailed to an outdated address was eventually forwarded to my current address via the USPS. Luckily, I was able to respond in writing within 30 days of the date of that letter to dispute the debt. This is how I found the name and address of the company. If the mail had not been forwarded to me in time, I would not have had the opportunity to respond within 30 days. I think that is why they refused to mail anything to my current address - they did not want me to be able to dispute the debt in writing. I did not have access to a fax machine and, because this sounds like a scam, I did not want to give out my email address. The FDCPA specifies that verification must be mailed to me - not faxed or emailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover promised a 10 % cashback on up to {$10000.00} worth of in store XXXX purchases. 
I made those purchases, but I am receiving a email accusing me of spending on non qualified gift cards. ( As a side note, they added that clause after the promo was out ... ) 1 Its my privacy, they have no business what I purchase2 Just because I bought expensive XXXX products, does n't mean it 's a gift card. 
I have a friend who bought a XXXX at XXXX, its a high dollar amount, so they accused him of a gift card purchase. 
Not right. Intrusion of privacy. And just bad for a credit card company who we trust with so much information, to demand even more information, and to lie about their public promos. 

I want my 10 % cashback, and I want it doubled at years end just like their promo says!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am being accused of having a Discover Card debt that I did n't pay off, so Discover has turned over the account to another company ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to harass me. I knew nothing about this, I 've NEVER used a credit card, the name is not even my legal name, now a sheriff served my mom papers where this attorney office is threatening to seize my properties! This is so wrong to do to people! I 'VE NEVER OPENED A CREDIT CARD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: V.I.P. MORTGAGE, INC.
State: AZ

Complaint narrative:
My issue is with VIP Mortgage XXXX XXXX Branch XXXX, Arizona XXXX me and my wife signed a Pre Quailfied Contract to Buy a home and use VIP as Lender. After 10 weeks in Escrow we had to extend closing date 3 times due to issues with underwritting and we really never got the main reason. Long Story short on the final closing we were told they could not do the Loan. Latter that day XXXX found out that XXXX XXXX gave ALL my personal information and Documents to a outside Competior XXXX XXXX Loans without my Permission. ( Privacy Act ) My main complaint is that he shared my personal information. 2nd Complaint is how a Company can string along a Family for this Long only to leave us without a Home. We recieved a Denial letter last night that Stated the Reason for being denied was due, INFORMATION FROM CREDIT REPORT. Note : Why take 10 weeks to find this out before stringing us along? We have copies of our Credit Report and we obviously Were Pre Qualified on day # 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 2016-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
To whom this may concern : I recently received a copy of my Equifax credit report. I 've submitted a dispute to Equifax to remove inquiries off my credit report. I understand it should n't be allowed to put inquiries on my file unless I have authorized it. During my first and request Equifax stated, " They did n't receive my request to remove any inquiries and/or information. However, I 've submitted these disputes electronically and through certified mail. During, my third request Equifax stated, " The unauthorized inquiries were factual, and I should contact the reporting companies. '' However, I 've contacted the reporting companies for request for removals and I 'm getting no answer. Please have Equifax remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

Thanking you in advance, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
My checking account was hacked and on the advice of my bank this account was closed and a new account was opened. My mortgage was on automatic draft and since my account was closed my payment failed. The new account was set up and the payment was made. Dovenmuehl has added this charge to my mortgage payment. I was told to send a letter of explanation requesting that it be taken off. My XXXX statement arrived still showing this charge. I called and was told that a denial letter was sent to me but I never received it. I so told them that I could get a letter from my bank verifying and explaiNing the issue but was told that it would n't matter. I was told that they did n't have to remove the charge. I have never given this company any bad checks or had any payment rejects. 
There is clear documentation that my account was hacked. The new payment was made on time. Why is this bad check fee being added to my mortgage payment?

Company response to consumer: Closed with explanation