vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
In XXXX I did default on my XXXX XXXX and it was sent to collection in XXXX ... .which at that time the company under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX California did harass me over the phone and by text messages for about a year. I try several times to settle the matter with them by offering to make payments they refused stating it had to all at once. Since I did n't have that money and was failing financially it was not resolved. I did n't hear from this agency again until XXXX when my checking and saving accounts where completely emptied, that same day I received a Notice of XXXX that had transpired on XXXX XXXX, XXXX ... my moneys where removed on XXXX XXXX, XXXX. I also received a phone call from the case worker that same day, in which she laughed at me and stated " I finally got you. '' Since that day I assumed this debt was satisfied and I have never heard from them again. On Monday XXXX XXXX, XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX Washington for XXXX XXXX stating that I now owe them {$11000.00} and they are trying to collect now on a debt that is XXXX XXXX XXXX and I thought had be satisfied in XXXX. When I spoke to them on the phone they offered little to no information, other than the fact that there was no documentation in the file they had purchased from the original collection agency. My question to you is can they continue this action?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES
State: UT

Complaint narrative:
After reviewing my credit report i noticed accounts from XXXX reporting as collections. I disputed the accounts as fraud contacted the agency and sent over police reports and affidavits of fraud and forgery. The agency sent me information that this " debt '' was from XXXX college, a school i have never attended. The credit bureaus sent XXXX a dispute with a 30day timeframe to respond. GLHEC rather than stop reporting and update these as disputed, sent me a letter stating that the investigation was closed and if i had further documents i could send to them, i then tried calling them to set up a payment even though the accounts are not mine only to find out the investigation isnt closed and they just sent out that letter to avoid the 30day timeline sent to them by the credit bureaus. To this date these accounts are still reporting as collections and GLHEC isnt helping nor following the rules of SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: WI

Complaint narrative:
Have called many times..explained to them that the person they are looking for is not at my number..they keep calling and yesterday,XX/XX/XXXX, left threatening message for that person. Called them back to again request that they remove my number and if not I would contact you. They called right back and stated that they 'll continue to call regardless of what I wanted..I 've had enough of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied to have my loan payments decreased in XXXX of 2016, I was denied by Chase/XXXX and the reason stated was " income '' but no further details were given. 

I called XXXX and they told me I was denied multiple times so Chase must have done their best to make sure all my paperwork was reviewed. 

What I want to know is more details about how my income was denied. I am currently working part time and receive partial unemployment benefits. I have medicaid as receive a modest amount of food assistance. 

I do n't understand why I am not able to know more details about why my application was denied. 

I work diligently to keep financial life afloat and my credit in good standing. I continue to make payments, even if they are late I do it as a sign of good faith that I am doing what I can and not just defaulting on my loans. 

I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I was reviewing my credit reports and noticed that a collection company by the name of Commonwealth Financial System was reporting a medical account for {$1000.00} as of XXXX/XXXX/2016. I immediately called them with my financial advisor and spoke to a supervisor by the name of XXXX XXXX extension # XXXX. We explained to her that the account was not mine and questioned her how can they send wrong information to the credit bureaus without making sure that they are sending the correct information? She stated that all they do is send a letter informing the person that the debt stands but other than that that 's all they do. I stated to her that that 's wrong because the FCRA states that they have to verify all information that 's true and correct before reporting to the credit bureaus. She stated that they sent a letter to XXXX XXXX XXXX XXXX. XXXX, FL XXXX. I stated to her that I have never lived there. She really did n't have an answer for this. I requested that they stop collections attempts and to have this account removed from my credit reports. This account has affected my credit scores by more that XXXX pts. and I have a business that depends on my credit score and now it 's deeply affecting my business. I was instructed to send a letter of dispute and to contact all three credit bureaus. The account number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I do not know what this debt is for, please verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit One LLC
State: LA

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have an account with Chase Bank that has been in delinquent status over 7 years ; however, Chase Bank continues to report that the account is still within the 7 year statue of limitation by moving the last delinquent date of the account to keep the account current for collections. I have attempted on many occasions to get Chase Bank to validate their position on this and they have failed to produce any documentation to support their claim. Please investigate ASAP.Creditor Name : CHASE BANK CARDAccount Number : XXXXAccount Open Date : XXXX/XXXX/2008Account Delinquent Date : XXXX/XXXX/2008

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear CFPB, I 'm reaching out to you again because Chase Home Finance keeps playing games with my home, it is over 3 1/2 years working on trying to avoid foreclosure. After Chase refuse to help me modify my loan, they place me under a HAFA short sale. 
As of XXXX XXXX we provided a sales contract to move forward with the HAFA Short Sale. Now after 8 months working with CHASE HOME FINANCE. 

Chase keeps refusing to take my calls, they hang up on me and they have now placed a foreclosure sale date set for XXXX/XXXX/XXXX. 

Please help me since we have done everything in our hands to avoid foreclosure since 3 1/2 years ago and now its not fair that Chase Home Finance is playing games. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company has placed a debt for medical bill which does not belong to me. Also, how did this company get my social security number to apply to me? It has already placed the debt to another person who shares the same address as me with the same name. I assume they do not verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I pulled my credit report on XXXX XXXX, 2016 and found XXXX collections listed from Commonwealth Financial starting on XXXX XXXX, 2016. I had no knowledge of Commonwealth Financial was prior to XXXX XXXX, 2016. Commonwealth Financial has never contacted me via any method to inform me that they were attempting to collect a debt or debts. Commonwealth Financial did not afford me the ability to disputed their alleged claims within 30 days of notice which is a clear violation of the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809. 

I have sent a Notice of Pending Litigation letter to Commonwealth Financial seeking relief and monetary damages. The mailing date of this letter is XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GATEWAY FIRST BANK
State: AL

Complaint narrative:
I received a statement showing that I was almost {$1100.00} short in my escrow account due to the fact that my mortgage lender switched ownership and did not include an RHS fee in my anticipated activity for the XX/XX/XXXX year. Also, I do not have paperwork showing in closing that I agreed to pay this fee. I have attempted to contact my lender and spoken with a customer service representative. They are only agreeing to allow me to pay the shortage back over a 24 month period instead of 12 months. As I told the representative, this was their fault and based on my paperwork, I never agreed to pay this RHS fee. I 've never received a letter or any other form of paperwork stating that a new fee was being added. 
Also, I have had problems with my payments since the beginning XX/XX/XXXX. In XXXX, I wrote a check on XX/XX/XXXX. I had to contact the company on XX/XX/XXXX because my check had yet to be processed. I wanted to make sue that the check had not been lost. The customer service rep stated that he had the check in his possession and would send it for processing immediately. I also had a late fee of {$35.00} due to this. He was able to correct it at the time. In XXXX, I paid another monthly payment online as a one-time payment. It took XXXX days to process and resulted in another late fee charge that I had to address. I am aware that the new law implemented in XX/XX/XXXX about the RHS fee applies to my loan. However, I am not sure that it is legal for the new owner to back-date my loan when they bought it out in XX/XX/XXXX and are trying to charge me the RHS fee for XXXX of when my old company did n't charge me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I do not understand why this is in collections. I know this was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Greene & Cooper Collections LLC
State: KY

Complaint narrative:
I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from Greene and Cooper. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XXXX HIED BLITT & GAINES TO HARASS US WHILE COLLECTING A DEBT BELONING TO XXXX AND XXXX. KEPT SKIP TRACING, CALLING WORK, CELL AND HOME NUMBERS.XXXX IS IS LABELING THIS AS MY HUSBAND DEBT FROM CHAPTER XXXX BANKRUPTCY MORE THAN 15 YEARS AGO.THEY XXXX ARE VIOLATORS OF FDCPA, S.O.L. TCPA ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Collection agent gave me a false court date to get me to pay an amount on a debt- harrasment

Company response to consumer: Closed
Consumer complaint received 2015-06-29 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: PLS GROUP, INC
State: CA

Complaint narrative:
I 've apply for like XXXX loans just to help me out and not XXXX company load me money I have a job a banker at else do I need man

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Paramount Recovery Systems has put amounts of money owed, but I have no idea who they are or representing. These items are duplicated and triplicated on my credit reports. These amounts 1st appeared on my reports in XX/XX/XXXX, and now they appear as XX/XX/XXXX. These are the account numbers : XXXX {$38.00} ; XXXX {$56.00} ; {$330.00} ; {$330.00} ; {$220.00} ; {$280.00} ; {$280.00} ; {$220.00} ; {$220.00} ; {$120.00}. I have tried to get these items removed from my credit reports without success. I really need your assistance with this matter

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
Hauge & associates continue to call when they were told not to call.I have filled bankruptsy and they still keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX XXXX I received a call from XXXX of J.P. Morgan/Chase Bank Email Service dept indicating that they had pulled my Credit Report in error. I do have a Chase Unlimited Freedom account for 10 months, however I had NOT requested any services. XXXX had shared that the error had been fixed and it would be transparent to me. The following day, XXXX XXXX, I receive an alert from XXXX and XXXX that an inquiry had been placed on my credit reports. My credit score decreased by XXXX points on each credit bureau. On Monday XXXX XXXX I called Chase regarding this issue and was transferred to a supervisor, XXXX XXXX. XXXX indicated that my account was documented that an error had taken place and assured me that it would take 3 business days for the inquiries to be removed. I received a letter dated XXXX XXXX indicating that " As you requested, were no longer processing your application for a credit card issued by Chase Bank USA , NA. This truly angered me because I had not requested credit. There is no application and this letter was dishonest and misleading. Then another letter arrived dated XXXX XXXX from Chase thanking me for contacting them about the inquiries shown on my report. They now said that instead of a three day turn around to remove the credit inquiries, it could now take 6 weeks. When I called Chase to get explanation for for the letter dated XXXX XXXX about my request for credit, XXXX XXXX said, did I think that I would receive a letter from Chase admitting their error. I did call the Executive Office and spoke to a XXXX who indicated that they are the largest bank in the country and no promises could be made as to when the inquiries would be removed. I asked to speak to her manager, XXXX XXXX. I left a message for her and never received a return call. MY last attempt on XXXX XXXX, I called XXXX XXXX, the Supervisor at Chase credit card services and she made it very clear that given the size of the bank, no promise of when the inquiries would be removed. XXXX made it clear that no personal attention could be given and if the inquiries are not deleted from my files, it 's between me and the Credit Bureaus and there is no reason to call them back. 
I have banked with Chase for over 20 years and their behavior and pompous attitude has me truly rethinking of banking elsewhere. Chase created this issue and now refuses to see it through. The inquiries dated XXXX XXXX 2016 remain on my XXXX and XXXX reports and has impacted my score. Any assistance to get Chase to answer for their actions and get the XXXX inquiries off of my credit file would be most appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I paid off my credit card so had a XXXX balance there was a charge of XXXX i guess left over. i never got a bill or call and they assumed no wrong doing. i would not have let a XXXX bill get reported late after years of service. they were rude and due to errors with chase they reported me 60 days late. chase calls me for every stupid thing. i did not get one call about this small balance. as soon as i discovered it i paid it.. 2 months no bill no call no email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been trying diligently to get a loan modification for the past 3 months. I have a sale date on XX/XX/XXXX. Chase tells me my loan specialist is a person name XXXX XXXX, but I have never spoke to him since I began a modification. I have submitted all necessary paperwork and followed up on a weekly basis to make sure chase has all paper work necessary for a review and to see how the modification is progressing. Chase is stalling me and I believe its because they have a sale date and by stalling until the sale date then they will not have to modify me. also they are telling me they need my child support paper needs to be physically signed by the judge. In XXXX county florida, the judges provide a true copy and do not always sign. I have explained this multiple times to Chase and they will not accept my child support paperwork. What does signed paperwork from a judge have to do with my ability to pay my loan. I have also provided several bank statements showing the direct deposit of my child support which should suffice. I spoke to the " escalation dept '' today and spoke to a XXXX XXXX who is going to ask that I be reassigned to a different loan specialist because of his failure to communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have no idea what this is for. Debt has not been verified. no contract or signature provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank calls my business line almost every week ( sometimes more, sometimes less -- twice in a day occasionally ) looking for a XXXX XXXX, or Accounts Payable, at XXXX XXXX XXXX XXXX. They simply have the wrong number. I tell them my own name and the company 's name and tell them it does not match who/where they are calling. They have repeatedly said they will remove my number from their list, yet they never fail to call again and ask for XXXX XXXX. I have even told them a quick XXXX search will give them the contact information for the company & person they are looking for ; that I could even give it to them myself. They said they can not do that, say they will remove me, and call back again. Sometimes, they even acknowledge that there is indeed a " do not call '' note in their system, but " thought [ they ] would try anyway. " I have also contacted them via XXXX ( since obviously phone conversations were doing nothing ). They apologized and said the number has now been removed completely. Apparently, that was a lie, as I received another call one week later. This is harassment and is disrupting our place of business.

Company response to consumer: Closed with explanation