vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX performed a hard inquire without my permission or my knowledge. Please either provide evidence of my written or oral approval or please remove as this unauthorized hard inquiry has negatively impacted my overall credit standing and score As you are aware : " Hard inquiries ( also known as hard pulls ) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
This is continously happening as we further conduct research in regards, to our properties. Our home located at XXXX XXXX XXXX, XXXX Georgia XXXX was purchased in XX/XX/XXXX. The orginial lender was XXXX XXXX which funded the original purchase amount located in the attached documents. The mortgage was later sold to XXXX. We understood the home had an ARM, however the payments were increasing astronmomically. I questioned the mortgage company in regard to this situation, but did not receive a sensible response. Approximately, 3 weeks ago a Realist Report was pulled only to find someone refinanced our property. We have NEVER refinanced any of our properties. Please investigate asap. We are finding others were taking advantage of our good credit ratings and committing mortgage fraud. The company which supposely refinanced our who by SOMEONE, is unknown to us. The house was refinanced in XX/XX/XXXX??? How can this be happening. This is crazy and if we had not researched we would have never caught it. Documents are uploaded. 
The load was sold to Carrington from XXXX. Carrington is in currently holding a fraudlent loan and we WILL not be responsible for it. Also, a REINSTATEMENT for a loan we never took out in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XXXX after checking my credit report I seen a collection from the collection company Portfolio Recovery Associates. Apparently this a debt from XXXX XXXX originally for {$820.00}. On XXXX I finally got in touch with a XXXX XXXX representative that informed me that the debt no longer belongs to them and that I would have to dispute the fraudulent debt with the collection company. After several attempts within the months of XXXX till now to get Portfolio recovery to validate this debt they 've FAILED. I received a letter XXXX from portfolio recovery sending me a bill as validation with an address I have n't live in since i was XXXX XXXX XXXX so I know this is a false account. I sent these letters certified mail as informed by my attorney and have the receipts. I sent another letter certified mail which they replied " debt validated already ''. This company is trying to collect debt that does not belong to me. I was informed by an experian rep to come here before file a suit against these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America through their Trustee Attorney XXXX and XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XXXX XXXX, XXXX. Specifically, XXXX and XXXX, XXXX. misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance and only submitting the principal balance to the California Superior Court, case number XXXX. 

Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and all other previously requested desired resolutions.

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 2017-12-26 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: AL

Complaint narrative:
I 've disputed XXXX XXXX XXXX on my credit report even sent in the police report and they still wo n't remove because I showed them it was fraudulent charges on the account and the account information was not correct

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 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
XXXX XXXX stated they stopped collection on my account. I would like XXXX XXXX to provide me with a letter stating the facts. 

The letter should address : -Date they sent account out of their offices -Reason they sent account out of their offices -To whom they sold account to - That they no longer have rights to account and I am not responsible for any payments to them This account is being pursued by multiple collection agencies and I had already disputed it being mine previously. This is not my debt.

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 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: WA

Complaint narrative:
I already filed a complaint previously the complaint ID XXXX. Against Receiveables Performance Management. According to them they are correctly reporting to the credit bureau and that XXXX enlisted them to collect a debt ( which was already paid to XXXX ) I contacted XXXX once again who has again stated that because I had a agreement to pay them and I paid as per our agreement they did not enlist Receivables Performance Management. One of these companies is in the wrong!!!!!! I had an agreement with XXXX to pay at a certain time and if I kept to this agreement no collection activites or action would take place! So if XXXX indeed contacted Receivables Performance then they are in the wrong and if they did not as they keep telling me then Receivables Performance is in the wrong. All I know is I kept my end of the agreement and next step is to seek legal advice! This is very deceptive and something is not right.

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 2017-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
This complaint is in reference to Mortgage XXXX with Freedom Mortgage at XXXX. My calculations that Freedom Mortgage is over-escrowing for property taxes and has not responded to me request to pay supplemental tax bills from this overfunded account. I called initially for an escrow analysis on XXXX XXXX, XXXX and followed up on XXXX XXXX, XXXX and any again on XXXX XXXX, XXXX. In each interaction Freedom Mortgage refused to complete the escrow analysis citing concerns about needing to wait until XXXX. I believe this is violation of RESPA which requires a maximum escrow cushion of 2 months. I have logged my compliant with XXXX XXXX XXXX on XXXX XXXX, 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 2017-12-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Texas Guaranteed
State: WA

Complaint narrative:
A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my XXXX student loans. I asked them to stop emailing me. They said they would not. The email address being : XXXXXXXXXXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I sent a certified letter dated XXXX/XXXX/XXXX and my ask was. 

After viewing a copy of my credit report, I noticed a collection account placed on my credit from Account Resolution Corp opened on XXXX/XXXX/XXXX and reporting balance {$250.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I first contacted Experian on XXXX XXXX, XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. they responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records. 

on XXXX I then wrote back to the Experian people with information from the courts and not reporting that information to them as well as the NEW Information i Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Experian once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX COMPANY ON XXXX to which I am holding as a response once again from EXPERIAN saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX 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 2017-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I wrote to Wells Fargo a few months ago describing my family 's financial hardship. I asked if there was a way for them to reduce the amount I owe ( I 've had the card for 14 years ) where I could afford to make the payments. No reply no anything. I have tried working with them, but my pleas has gone unanswered. We have a son who is XXXX and to keep him where he needs to be mentally, we can not afford the payments and the high interest rate that continues to climb. I 've asked for help, but apparently my plea has fallen on deaf ears. I do n't want the entire balance erased as I could do that through Bankruptcy. But I do not wish to file Bankruptcy, I want to keep my card, but lower the amount owed and the interest to a reasonable amount, which will allow me to pay my bills and take care of my son.

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 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I sent a debt validation letter certified mail to Diversified Consultants. Today is XXXX XXXX, XXXX and I received a response back but it was only a copy of the bill from original creditor XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
On multiple occasions beginning on XXXX XXXX XXXX I have requested that Freedom Mortgage pay my full property tax bill. They have not done this despite several phone calls and emails. There is sufficient balance in the account to pay the bill but Freedom Mortgage will not pay them because of an internal email advising customers reps to tell clients they can not do this without a valid tax bill however the a valid tax bill has been provided several time. This was told to me by XXXX XXXX ID 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 2017-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Yes, my payment due date is the XXXX of every month on this card and new statement period is created three days after the due date. However, for the month of XXXX XXXX, I was told that that can speed it up, and that the statement period was reduce to begin on the XXXX of XXXX XXXX. I contacted customer service and they said they are doing this only for the holidays and that they have every right to do so. Is this legal? I also made two purchases on XXXX ( how could this be XXXX that are still pending. This is illegal. I had no prior notice of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XXXX to XXXX, while checking my bank statement discovered 6 transactions done at 6 different ATM card # XXXX with Wells Fargo banks local here in XXXX for {$300.00} each and one for {$100.00}, not done by me but by some other people, ( the transactions it started on XXXX ), I call the bank. 0n or about XXXX and notified them, they told me they will send me another ATM card within 5 working days. I when to the bank again and they started a claim # XXXX. On XXXX the bank send me 2 letters, one with the temporary credit on the losses {$1700.00} XXXX resolution claim # XXXX for account ending on XXXX. And the other letter saying they will take back the temporate credit within 10 days. On 2 occasions I went to the Bank and they notified me the claim was decline 2 times. XXXX a lady over the phone at the Bank in California in charge of operations XXXX XXXX XXXX told me that I could go to the police station and file a complain, wish I did PD # XXXX XXXX XXXX. And again when to the bank and show them the police report, it takes 21 days for the report to reach the crime bureau.

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 2017-12-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc.
State: WA

Complaint narrative:
A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my Nelnet student  loans. I asked them to stop emailing me. They said they would not. The email address being : XXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XXXX after checking my credit report I seen a collection from the collection company XXXX XXXX XXXX. Apparently this a debt from XXXX XXXX originally for {$820.00}. On XXXX I finally got in touch with a XXXX XXXX  representative that informed me that the debt no longer belongs to them and that I would have to dispute the fraudulent debt with the collection company. After several attempts within the months of XXXX till now to get XXXX XXXX to validate this debt they 've FAILED. I received a letter XXXX from XXXX XXXX sending me a bill as validation with an address I have n't live in since i was XXXX XXXX XXXX so I know this is a false account. I sent these letters certified mail as informed by my attorney and have the receipts. I sent another letter certified mail which they replied " debt validated already ''. This company is trying to collect debt that does not belong to me. I was informed by an XXXX rep to come here before file a suit against these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Disputed items with Experian, XXXX, and XXXX, all three came back as verified. XXXX 's rentals had a write off bad debt. I have called XXXX 's about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXXXXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is Experian and XXXX still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX, 2017 by both Experian and XXXX. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX 's can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how Experian and XXXX verified these accounts and they need to be removed.

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 2017-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D2 Management LLC
State: IN

Complaint narrative:
ALL PARTIES ARE GUILTY OF ZOMBIE DEBT COLLECTION AND COLLECTION FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
ALL PARTIES ARE GUILTY OF ZOMBIE DEBT COLLECTION AND COLLECTION FRAUD.

Company response to consumer: Closed with explanation