vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
My mortgage servicing company has changed. New American Funding is my original loan servicing company. My account has been transferred to XXXX XXXX XXXX  effective XX/XX/2019. New American Funding ( NAF ) sent me a letter dated XX/XX/2019. The letter explained my loan transfer and supplied a new account number. The new account number does not work. I have called XXXX XXXX  XXXX ( XXXX ) and waited 1 hour on hold with no answer. I visited XXXX website and the account number supplied by New American Funding does not work. I called NAF and they advised that I reach out to XXXX for my concerns. I have no way to get in contact with XXXX. I have searched online for XXXX XXXX XXXX reviews and everything I found is negative. I am very worried because all reviews included issues with ; finding an account number after a service transfer, improper late payments per credit bureaus, improper payment of taxes per escrow, improper application of escrow payments, and improper handling of account payments when applied to principle vs upcoming payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I filed for Chapter 13 in XX/XX/XXXX. I am trying to buy a home & I have discovered that Atlas Credit Company is reporting my account as charged off instead of Chapter 13. When I tried to dispute this in XX/XX/XXXX, I was told that Per Atlas, the reporting is correct. I have reached out via email to corporate but I have not had a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: CA

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection on XXXX in the amount of {$22.00} partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account is over 7 years old and continuing to report this item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a XXXX to switch XXXX XXXX on XX/XX/19. After carefully discussing with the surgeon what I wanted and getting his OK. We set that date. As soon as I wake up I noticed something was wrong, I called the surgeon and he explained a smaller size had to be put in and not to worry. Three days later when I went to the post op I explained I was not happy as I did not want that size and I specifically said what I wanted and he didnt say no. The office basically said I need to pay {$1000.00} more to get the size I want and that its basically my fault. When I opened the dispute with my bank I explained all of this letting them know what I wanted and showing proof of what I received. I sent a letter from a different doctor stating the size I wanted was perfectly fine for my body and I posed no risk. I also sent a quote from the new doctor. I never signe anything agreeing to the size I currently have so I dont understand how the bank is telling me I can not get my money back and that the doctor is right!! I am baffled it seems to me like this doctor knew I was not gon na be happy and thought I was gon na pay more! It cost me {$4800.00} of my hard earned money and now I am dissatisfied with goods I didnt want bad service and no money!! The bank I have is CHASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
This is my second complaint on KANSAS COUNSELORS INC. with CFPB Case ( XXXX-XXXX ) I stated that this was not my debt and it was reporting inaccurate on my report. Kansas Counselors Inc. reported that I owe a balance of {$810.00} on this account I made contact with the reporting credit bureaus as well as the collection agency KCI ( documents are in previous case above ) as a stall tactic in order to report/collect a debt Kansas Counselors Inc. reported that I made a payment of {$120.00} which brings me to a remaining balance of {$690.00} reporting on my report after I filed a complaint with CFPB stating that this was incorrect information. I followed all the steps in contacting the collection agency as well as the credit bureaus in order to correct invalid/false information as I stated in the last compliant. 
In attempt to get this matter taken care I made contact by mail ( XXXX ) and received a bill that has a list of items on it that with prices next it at the top is say balance due {$0.00} above that it has me owing XXXX none of it add up or makes sense. I ask that you investigate this matter as well as get information from my insurance provider. 
Kansas Counselors is violation of several acts they are reporting information that you know to be inaccurate. Failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and Experian are reporting incorrectly a collection on XXXX in the amount of {$22.00} partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account is over 7 years old and continuing to report this item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score. Please delete this line item from my credit report.

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 2019-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AA Recovery Solutions, Inc.
State: MD

Complaint narrative:
On XX/XX/2019, I received a phone call on my cell from XXXX at AA Recovery ( XXXX ) who advised that he wanted to see what was going on with the payment. XXXX advised that the payment dated XX/XX/XXXX came back invalid card. When I started to ask questions, XXXX changed it to the payment dated XX/XX/XXXX coming back as an invalid card. Once XXXX realized that I was onto his scam, he hung up. He then called my work phone, asking to speak to Human Resources. I  advised him that what he was doing was illegal because it was harassing. XXXX advised he would keep calling numbers until he got to Human Resources. 

I did attempt to make a payment on the XX/XX/XXXX in which my bank informed me that the company that was processing the payment, XXXX XXXX XXXX, was a scam company and, because they did take payment on the XX/XX/XXXX, they were sending me a new debit card. I then received a call from a woman on XX/XX/XXXX from a woman and a man who tried to get me to give them my credit card information. Once both of them realized that I was not going to give them anything, they hung up on me. 

I have looked up the company ( they operate as AA Recovery ) and XXXX XXXX XXXX and both companies come up as scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX of XXXX, after hurricane Irma my house suffered some damage and Discover Bank gave 6 month forbearance program to use that money and fix the house. On XX/XX/XXXX I was contacted by XXXX XXXX to start a Lost and Mitigation Application. I submitted the first application on XXXX of XXXX. I mentioned that I was able to keep my monthly payment, but I need help to distribute the missing payment. On XXXX I started my regular monthly payment after the forbearance program finished. I pay my loan for 4 month, until XXXX payment was returned to the bank. I was paying with direct deposit, because my access to online banking was denied. 
Since then I have submitted more than 10 applications and more than 2 years worth of financial records. On XX/XX/XXXX I was served with foreclosure documents, my application has been completed with the lost and mitigation department as XXXX XX/XX/XXXX. No answer from the service about the results. The amount of service fee and attorney fee exceed the $ XXXX. It is very sad. I also mentioned that I have a son with XXXX and the stress that this situation has put on myself and my family has been beyond control. I am paying my first mortgage, my taxes and insurance. They know that since the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I will attached there recent response letter filled with inaccurate information. I'm also attaching proof once again that there is no XXXX XXXX The phone number in the letter is a business line with XXXX and the address in their letter is a personal residence. Account was opened in California and billed to a California address. I never receive statements or made payments from my personal address or bank account. I would ask them to produce statements and payment records which show it was a corporate account. Using someones personal information and attaching it to a business account is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have not received any information to validate said debt by mail or by phone and i have never heard of this company or had i owed them anything, I have no knowledge of balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: DISCOVER BANK
State: VA

Complaint narrative:
I went through the dispute process to dispute two transactions from XXXX and I did not receive the service I paid for. For XXXX and XXXX. I was not satisfied with this service because it was not as advertised as there were no people to get matches with on the site. XXXX just sent in a copy of terms, which was not initially provided, and Discover has refused to help me in reversing this charge. This service is not what I paid for and Discover is refusing to work with me even though I have been a customer for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I opened up a cash app account I have {$340.00} in the account they have Frozen my account my debit card they send me don't work when I try to go to the ATM the giving me all this running around and I can not get my account on froze they asked to see my identification I sent them a copy of that and they still won't release my account so that I can receive and send money cash app is a member of square Inc and they're doing nothing to help my problem my name is XXXX XXXX My email is XXXX my phone # XXXX please help me get my account on froze

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays is a disaster. I applied for the XXXX Business Card. My credit was approved. I was personally verified. Then it went to business review for final approval. This department is a disaster and I believe that they are putting personal information at risk through a complete lack of care and mismanagement. First, they told me 5 - 7 business days for processing time. Then I was told there were too many applications and it would take longer. I followed up today and a gentleman took more information from me - supposedly to expedite the processing of my application - and told me it would be completed shortly as the application was already open. Then I called back to get clarification if I'd receive a letter or a call for additional information. The man told me it would be ANOTHER 5-7 BUSINESS DAYS EVEN THOUGH I HAD ALREADY WAITED THE PROLONGED WAIT TIME AND WAS TOLD EARLIER IN THE DAY IT SHOULD BE DONE SOON. He refused to let me speak to a manager to understand why my information was being mismanaged and the first man could access my application but the second couldn't. He also couldn't tell me what happened to the information I provided the first man. I'm scared that this is little more than an identity theft right within Barclays taking people 's personal information bit by bit instead of properly processing applications. They say they are processed in the order they come in. Then why was mine started and not completed today - presumably with others being worked on between? Barclays needs to 1 ) process applications in a timely manner which they absolutely do not 2 ) provide accurate updates on applications 3 ) install safeguards for information because it seems to disappear into space. Their practices are terrifying.

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 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
I was receiving harassing phone calls from the Lexington Law Firm. They were calling 3 or more times a day after I had suspended my account because they were not doing what they said they would do. The calls stopped for a while when I complained, but have now started back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
This concerns a Fortiva Credit card issued by the XXXX XXXX XXXX. 

I was about 4 days late with a payment that was subsequently made. While my payment was processing, I received a notice from XXXX XXXX that the account was closed to further purchases. Fortiva gave me no warning they were going to take this action, either on their website, via e-mail, or by mail. 

I received a letter today (XX/XX/2019) dated XX/XX/2019 that stated my account was being closed since it was over the credit limit. The reason it was over the limit was Fortiva 's own annual fees, which I was again given no warning or notice about. 

I am protesting the action taken by Fortiva to close this line of credit. I believe it was discriminatory based upon my address in XXXX and as such is a form of illegal XXXX discrimination and redlining based upon my address. I demand that the line should be reopened and that Fortiva should send a letter of apology. I have also since sent them two payments on this card, both of which have gone through. If Fortiva will not reverse this decision, I intend to file a full Civil Rights complaint against Fortiva.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I had a Walmart credit card. I was paying the payments with no problem. Walmart with out notice or reason lowered my credit limit. I was never late on payments or deliquent. I called Walmart card services and was told they lowered it at their discression. I advised them it put me over my new credit limit and I was charged a over the limit fee. I stopped paying because I felt this was unfair to 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 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
My mortgage servicing company has changed. XXXX XXXX XXXX is my original loan servicing company. My account has been transferred to XXXX XXXX XXXX effective XX/XX/2019. XXXX XXXX XXXX ( XXXX ) sent me a letter dated XX/XX/2019. The letter explained my loan transfer and supplied a new account number. The new account number does not work. I have called XXXX XXXX XXXX XXXX XXXX XXXX and waited 1 hour on hold with no answer. I visited XXXX website and the account number supplied by XXXX XXXX XXXX does not work. I called XXXX   and they advised that I reach out to XXXX for my concerns. I have no way to get in contact with XXXX. I have searched online for XXXX XXXX XXXX   reviews and everything I found is negative. I am very worried because all reviews included issues with ; finding an account number after a service transfer, improper late payments per credit bureaus, improper payment of taxes per escrow, improper application of escrow payments, and improper handling of account payments when applied to principle vs upcoming payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Identity theft and used my info for false accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have for 12 years or longer, have taken every course available to me, to try and FIX what is WRONG with this account. I have used XXXX. ( on two separate occasions ) who was not able to get any positive results for me. I tried and was approved twice for the H.O.P.E. Program. How, this one failed, is that the LENDER and all other entities who are involved on my deed, do not participate in the GOVERNMENT PROGRAM. Now, how is that FAIR, for the people who are still loosing their homes to nothing but FRAUD 'S. Next, my CHAPTER XXXX, and what happened here is CRIMINAL. I have all the ORIGINAL DOCUMENTS. The actual Complaint is : J.P. MORGAN / CHASE, can not prove what happened to my payments, and I am  going to say this, every time they send me a NEW ACCOUNT HISTORY, it's only gets worse. I am sending you documents that show the ending balance of the principle, when Mortgage It, sold the loan after two years. When J.P. MORGAN / CHASE purchased the loan, they show the beginning balance of {$120000.00}. When actually it was, {$120000.00}. That's FRAUD. This is the 2nd request for J.P. MORGAN / CHASE via a C.F.P.B. Complaint, to show the Chapter XXXX payments coming in and being applied to my loan. Now, this is important. On the last complaint, I was speaking to XXXX XXXX from CHASE. This is a true quote of what was said. XXXX was speaking to me only about the Chapter XXXX payments. I advised XXXX that not only was Chapter XXXX missing that almost all my payments were gone. They put them into SUSPENSE from what I can tell they got gone. XXXX said he was going to follow-up with these documents ( accounting history ) and I said I already got them and have gone through them and I don't see any payments. I then said to XXXX, I would suggest that you do them same. XXXX said, I did, and I said well, did you see any payments, XXXX said NO. He admitted that there was no record of the Chapter XXXX payments and wanted ME to help him by faxing my documents of proof over to him. Sounds Fraudulent to me.NOT SURPRISING. So, I advised XXXX how the payments were made via, GARNISHMENT, through my company every single week {$360.00}. I told XXXX that he would have to contact the TRUSTEE. Please take time to look at the pages numbered 1-5. The In-House modification called " CHAMP '', Chase added in {$39000.00}, when I asked in an earlier complaint, I was advised fees due to the Lender, no proof of these. On page 5, of Chase 's answer of the last complaint. Chase indicates that those fee totals, are {$12000.00}. I have originals showing Chase charging my account XXXX, many many times as a CORPORATE ADVANCE, I believe is what the description of the charge. There is so much FRAUD, I can not believe that someone is not helping me at all on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one only increase APR but didnt now Lower it.  Only lower the APR as promotion for several months. However they lower your APR if you apply for a new credit card. Is like the force the customer to apply for a new product in order to upgrade you apr.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This account is coming from XXXX and it is showing up more then once on my credit report I havent ever had XXXX.

Company response to consumer: Closed with explanation