vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Seterus, Inc.
State: OH

Complaint narrative:
Filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The investor agreed to a reaffirmed amount of {$25000.00} and has ever since XX/XX/XXXX been asking for a different monthly payment amount that was agreed to in the court order and has now demanding payment of the cram down money which was discharged in the bankruptcy. The investor has now sued me for the discharged 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 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is to inform you that I recently received a copy of my Credit Report and after review I found an item that is inaccurate. The unverified account in question is listed below. Please send me original documentation that you have in your files as of this date that you used to verify the accuracy of the account listed below. Under the Fair Credit Reporting Act, 15 USC 1681, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit file. If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report you are damaging my credit worthiness. Please provide verifiable original documentation within 30 days. If you are unable to do so please remove said item from my credit report immediately. XXXX XXXX XXXX Acct # XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Chase small business credit card account received letter that they will be closing account when the card expires ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ClearOne Advantage, LLC
State: MO

Complaint narrative:
On XXXX.17 I signed a contract for debt resolution package with ClearOne. They indicated they needed the contract signed by the end of the week, so I signed it. A gentleman called me that evening and went through some information. I felt very uneasy about the information he gave me pertaining to how then relieve the debts. On XXXX.17, I signed the cancellation notice, found in the electronic package, and sent it via certified to the company. They signed for the cancellation letter on XXXX.17.  On XXXX.17 I tried to log into my XXXX XXXX XXXX account to make my payment, but I kept getting a log in error. I then called XXXX XXXX  XXXX and they said they had received a COA/POA from ClearOne and my account had been closed. I called ClearOne immediately, they indicated that I should not only have signed and mailed the cancellation letter, but I also needed to contact them verbally to cancel. I told them that they should not have pursued any debt relief after signing the confirmation of receiving the cancellation letter. They sent me a confirmation of cancellation but it was dated for XXXX.17, not XXXX.17 the date they received the letter. I called XXXX XXXX XXXX again and they can not reopen my account because they have the COA/POA on file. They said I was a very good customer but they could not reopen the account. ClearOne should have never move forward with a debt relief plan after receiving the cancellation letter. Unfortunately now I do not have access to my lowest interest credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
In XX/XX/XXXX we applied for a load modification through Nationstar mortgage. In XX/XX/XXXX I received paperwork from XXXX County with notice of a sheriff sale. Around XX/XX/XXXX I called Nationstar and spoke with XXXX XXXX to find out what we could do to resolve. He stated that since we did n't complete the modification paperwork after the trial period the sheriff sale would move forward. The only way to avoid would be to provide a payment of approx. {$25000.00} to bring everything current. We never received the paperwork he was referencing and additionally I was unaware of anything that needed to be completed. I thought since we made all payments on time and in full during the trial period that things moved forward as normal. On XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX County and I called XXXX XXXX ( formerly Nationstar ) and spoke with XXXX regarding the situation looking for advise on how to resolve. When we informed XXXX that I had not received the paperwork she provided us with the tracking number, stating the paperwork was sent on XX/XX/XXXX and XXXX delivered to our home on XX/XX/XXXX ( XXXX XXXX XXXX and XXXX XXXX XXXX ). However, when we input the tracking numbers into the XXXX portal the first only notates that it was delivered to 'XXXX ' no specific address and the second states 'In transit '. As of XX/XX/XXXX XXXX has escalated the issue at XXXX XXXX to see if we are able to resurrect the modification due to lack of communication. However, we are very close to the sheriff sale date now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
My paycheck started being garnished without warning. I was not given a chance to dispute this issue. I do n't know exactly what company is doing it but on my paycheck it say " Student Loan/ XXXX XXXX '' and then the amount withdrawn from every check. I know by law you are suppose to have been employed for 12 consecutive months before garnishments. That is not the case with me. I am being robbed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I receive alert on my XXXX XXXX portal that XXXX XXXX XXXX of XXXX XXXX, CT.XXXX Contact XXXX pulled my credit twice and there is XXXX hard inquiries on my credit report with Transunion , XXXX  and XXXX. 
Why XXXX XXXX not reporting accurate information? Is this a Retaliation from my file Federal Government complaints against XXXX XXXX? 
There should only be XXXX inquiry from XXXX XXXX XXXX not XXXX inquiries. 
XXXX hard inquiries is listed for XXXX XXXX,2017 My VA Loan agent only pulled my credit XXXX and she is with XXXX XXXX XXXX XXXX in XXXX, Florida. 
She is a excellent Military Veterans supporter and very experienced in credit matters.

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 2017-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Complaint to cfpb : Homeowner is facing EVICTION from her home of 42 years. Defendant lost the Foreclosure Mediation action, filed in XXXX County NJ Sup. Ct. How she lost the foreclosure case ( through participation in the NJ Mediation Program is a mystery! Defendant is a XXXX year old, single, XXXX woman who is retired, with no income, no employment and no asset. She is a victim of the predatory lending tactics of CHASE Bank XXXX XXXX XXXX XXXX XXXX XXXX. These banks made inappropriate loans to Defendant knowing she could not repay them. Without regard to whether this struggling homeowner could repay the loans or not, CHASE and XXXX XXXX issued a total of 4 loans to her, including 3 HELOCs. These predatory lenders now seek to benefit through foreclosing on this homeowner. The " banksters '' were clearly at fault, knowing their loans were unconscionable and not fair to Defendant. I an waiting with bated breath for the arrival of uniformed Sheriff Office personnel at my foor, with foreclosure sins. I have nowhere to go. While I am on long waiting lists at several Senior Housing Projects, nothing is currently available. ( I was rejected for residency by one local HUD-subsidized Senior Housing Development because I had to file in Bankruptcy in connection with the Foreclosure case. ( The Bankruptcy case has been dismissed, but the mere fact that a Bankruptcy petition has been filed within 5 (? ) years may continue to bar my applications to other subsidized housing.
The prospect of homelessness is especially painful to me because the total amounts the lenders claim are due, were never received by me. I have received no cash, only on paper. The lenders financial documents are confusing. Accounting entries are intentionally erroneous ; obvious instances of 'robo '' signing/forgery even appear in some recorded documents. CHASE 's loan Summary Statement, e.g. is deliberately fraudulent and has been reconstructed and revamped. CHASE blocked advances from its account in XX/XX/XXXX. The XXXX XXXX account includes flagrant overcharges, expensive forced insurance costs and unwarranted fees. The combined indebtedness from the predator banks totals more than {$350000.00}, thus preventing my sale of the Property and leaving no relocation funds for me. I would appreciate the CFPB 's assistance in helping me to delay the public auction of my house/investigate/confirm the actual amounts due/and if possible, save my home Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal Credit union does not want to connect with XXXX XXXX account. If tells me my login info is incorrect but it 's not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Hello, With my current mortgage company back in XX/XX/XXXX when they took over from my previous company. It was a rough start, the property is in Texas and I live in Michigan, the old company knew my michigan address and it 's all over he paperwork, and I had the auto payment option activated. The new company took over and communicated with me via Texas address knowing that I do n't live there, that continued until XX/XX/XXXX when I figured that and called them just to find a threat of pay or foreclosure, I asked for statement, address, routing info ... etc When received the statement it contained about {$1200.00} in repair fees, I was with work in XXXX, TX since XX/XX/XXXX visited the property at least once a week and I am the one who cut the grass and water the trees, I never seen them or any notice or letter, anyways they refused to waive the XXXX however they reduced it. while I was in the process of discussing the charges with them someone came and broke into my house, and stole tons of my goods, then put a lock on the door with password, apparently that was the mortgage company. They cried for hours and claimed this is a third party then waived part of the charges. Now I asked for my new insurance company for more than a year and did n't get it until I went on XXXX  and created a scene then their rep was more than happy to assist. This year, deja vu same thing happened more than a thousand dollars charges for repairs, more than half of it for cutting grass!!!! They failed to pay my taxes on time to the county from my escrow ( granted I kept an eye and reminded them 5 times to pay it ), then they added the late fees ( more than XXXX dollars ) to my charges. I called them in XX/XX/XXXX to inform them that I am unemployed and need to fill the appropriate forms and see what I can do, that was followed by several calls and nothing is done, again I only got it when I created another scene on XXXX early this month. This is a small snap shot on what they did excluding all the uncalled for derogatory and racial comments I heard during they ugly process. I need help, I am helpless and had no say when this brutal company took over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I kept receiving notices that we could lower our monthly payments or refinance our mortgage. So instead of going with my normal broker, I gave caliber home loans a try since our current mortgage was with them. I dealt with XXXX XXXX, what started off as a great conversation and superior customer service turned into one of the most disturbing and unfortunate situations.
After a three hour phone call, he told me we were approved. Next step was getting a home appraisal, he told me to use a credit card that I planned on paying off with our refi/debt consolidation. {$850.00} for a home appraisal- Once he took that transaction over the phone, it was like he disappeared off the face of the earth. I would call, email, text With questions about where we were in the process. He blocked his phone number so we could not get in touch with him. I know he did this because I would try from a different phone numbers and it would go through successfully. My husband finally got through to him on the phone, and XXXX would just continue to make excuses and ask questions as to delay the process. 2 1/2 weeks later we were still In limbo/ waiting ... after being told we were already approved and signing paperwork. Now out {$850.00} on top of her other debt we were hoping to pay off with our refi, I finally called the customer service number. They told me that he did in fact exist, and that someone should have been in touch with me. Then we find out that we were not approved, we were completely left in the dark and {$850.00} more in depth. Never a phone call and email a response. I have email after email of trying to touch base with him he finally responded at the end apologizing that he did the best he could!!!
After this experience, I went back to my broker in tears. I totally got reprimanded for not using him in the beginning Luckily XXXX  at XXXX XXXX in XXXX Oregon Took over, used the current home appraisal and got us approved for a refi. his company hounded XXXX for some information and again no response- they needed to go directly to customer service and request the information that they needed. And in the end they were the ones who encouraged us to file a complaint against caliber home loans and XXXX XXXX as this is completely and totally unacceptable.
I have emails that I could probably pull up off the cloud if necessary, I do have the current emails from XXXX XXXX attempting to reach out to XXXX for information multiple times.
Caliber home loans is a total joke, I would never recommend them, use them or return to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Got a bill stating that I owe   XXXX   XXXX   XXXX  . I have NEVER had that insurance. I have been with one insurance company since 2000 and it is not  XXXX .
When checking CCS ( Credit Collection Services ) online, I have found that this is a common scam they have been doing for years.
I do not want to contact this company in fear that they might get my home phone or work phone and harass me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Blue Cash Preferred XXXX XXXX, 2017 : The company representatives informed me by phone that the Blue Cash Rewards would be credited to my account within 2-3 days. Then the company stated that this " credit '' was not actually available until the next billing cycle. Ergo- there was no credit on the account in 2 - 3 days.
The teleconference was with XXXX XXXX and then with XXXX ( no identifiable number provided ) At best this is misleading, at worst  ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In year XXXX, I had taken a loan amount of {$62000.00} to open up a restaurant in New York. Initially I was delinquent on my payments because my business was n't doing good. In XXXX, I was approached from debt collector company called XXXX XXXX XXXX XXXX ( Bank of America ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( Bank of America ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.

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 2017-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Tried to contact one two different occasions both times spoke with very rude people over the phone. The first time attempted to set up a payment plan and was told that my only option was to pay in the debt in full all once and was given no other options. The second time tried to set up a payment plan, agreed on one but when I asked for a letter stating I was going to set a plan in place and asked about a written validation notice, was told they could not provide me with nothing but that I was expected to give over my banking information over the phone right then and then the only thing I would get was a bill in the mail 7-10 days before an automatic payment would be set up. Refused to send me anything about the debt or that I was attempting to settle it. When I stated I did n't feel comfortable with giving my information over the phone until I was given something about he debt in the mail I was rudely told they do n't do anything and I can just do this some other time, then he rudely said bye and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
ARA, INC. in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: WA

Complaint narrative:
In XXXX 2017 I called Sun-Trust Bank of GA and requested that they close my account.
We finally worked out a balance of {$8.00} due XXXX/XXXX/2017 to close both checking and savings accounts. It was never done. Charges came into the account and we finally got a pay off balance of {$3.00} last week. I transferred {$25.00} from XXXX ( XXXX XXXX ), a wire transfer that was paid to Sun-Trust yesterday. Today I call and they tell me that I must talk with their transfer company at XXXX to verify my wire transfer tomorrow and then, maybe I can call Sun-Trust back, as they told me today that they need me on the phone to close the account.
I have had one story after another 3 or 4 times a week since XXXX 2017 to get these accounts closed.
Sun-Trust had done everything to delay this closing.
Please help me?
Sincerely, XXXX XXXX XXXX last 4 SS - XXXX Acct. XXXX Savings Act. XXXX Checking 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