vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
I purchased a house XX/XX/XXXX, in XXXX, Georgia. Property address is XXXX XXXX XXXX, Georgia. At the time I purchased the property, I received a XXXX loan with XXXX XXXX XXXX. The 80 % was a conventional loan and the 20 % was an unattached note on the account. The property went into foreclosure and was sold in XX/XX/XXXX. The 80 % was satisfied, however the 20 % part of the loan was not. The XXXX part of the loan was sold to a debt collector which is known as Real Time Resolution. The debt collector, Real Time resolution has been reporting this as a late mortgage payment every month on my credit, when I no longer own the property, instead of an account in collection. Since the creditor has been reporting this as a late mortgage payment every month, it has really affected my credit. I have reached out to the creditor directly and also disputed on my credit report, and the creditor refuses to make the necessary corrections. This is an unfair and deceptive way of reporting a debt as a mortgage debt instead of an collection, when the creditor bought the debt and is clearly identifying themselves as a debt collector. I need for the creditor to correct my credit reporting information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MO

Complaint narrative:
It appears my ex husband opened a credit card with my name on it without my knowledge. The card was opened on XX/XX/XXXX. It states clearly under where I would sign that I was not available due to I was XXXX. I was never XXXX. Also, my date of birth is wrong on the application. This credit card is showing up on my credit report. He continued to use the card after we were divorced on XX/XX/XXXX maxing the card out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have requested assistance about this in the past. But now things havechanged. My brother bought the house owned by my mother. It wasfinanced for fair market value, @ {$77000.00}, at a local bank. We put life and XXXXinsurance on it. Chase Bank came along, re-apprised the house internallyfor {$200000.00} dollars. This, based on my Inquiries with other banks andreal estate agents was totally incorrect. The result, he refinanced, lost theinsurance, became XXXX, paid XXXX in payments, is nowdeceased and the family will lose the house. If Chase had never overvalued the house back in @ 2005, my brother would have left things asthey were. The money he paid Chase could have gone toward betterhealth care for him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit corporation is attempting to extort money from me because I am a XXXX XXXX living on a fixed income. The original creditor, XXXX, charged me for services that were never performed. The XXXX XXXX Jail paid the original creditor in full. The original creditor then billed my medicare insurance for services that were not received. Medicare paid the XXXX for the non existence services. This was Medicare fraud. Now the original creditor has turned the collection over to the Credit Control Corporation who is harassing me for {$2000.00}. I did n't sign any paperwork for medical services. Credit control corporation is conspiring with the original creditor to defraud and extort money from me.There is no proof that I owe any money because I did n't sign anything. XXXX. XXXX do n't pay hospital bills, The XXXX Sheriffs Office pays all XXXX medical bills. Collecting money from my Medicare insurance is a felony. Putting negative info on my credit report is extortion. I never received any medical care. I refused treatment. The bill was paid by the XXXX Sheriffs office and Medicare.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
They are saying I owe a XXXX phone bill which they said that they were going to take care of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: SIMM Associates, Inc.
State: PA

Complaint narrative:
I received a call on XXXX/XXXX/XXXX from a private number advising that I had missed a court date & needed to call XXXX. I called and was advised by XXXX at XXXX that they were going to have a cop come to my work, have me arrested, & have my wages garnished. I said that he had to have a court judgement to garnish my wages. He said that no he did n't. He would get my employer to sign a paper showing what I made then they would file at the court house to have my wages garnished without any kind of court case. He requested a " payment '' of {$1200.00} to settle an account that was paid off to the original creditor in XXXX. I asked for a mailed copy showing what I owed and was told they do n't do that. Yet at the beginning of the call he advised that a " certified '' letter was sent. I checked with the local post office and they have n't had anything that required a signature for my address in XXXX. I did not make payment as I request proof the debt is owed. After I hung up I called my attorney 's office and was advised that this company was a scam. My attorney also advised that in my state, my wages can not be garnished for anything but an IRS Lien or defaulted student loans. Also I checked in my state and did not show where there was ever a civil suit for me. I also checked with the county, and they did not have a missed court date for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
over a year ago i was apparently in the hospital. i was supposed to be covered by insurance, the hospital never told me about any payment nor did they attempt to contact me. i now have a payment in collections and am unable to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
I XXXX XXXX. would like to make a complain against F C I lender Services Inc.. for not allowing me a loan modification on my mortgage i am asking this company to give me a loan modification, so i hired attorney to get my loan modification, which is money i do not have to give, and i need, to get my loan modification, i need your help your help as soon as possible please, i have a sale date for XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CO

Complaint narrative:
When applying for a mortgage I discovered a debt listed on my credit report that I do not believe I owe. 

The account was for {$110.00} from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was dated as being opened in XXXX. 

I sent a letter to XXXX XXXX asking that they provide me with the amount I owed, the name of the creditor to whom the debt is owed, verification of the debt, and proof they were licensed to collect the debt. They failed to respond to my letter and I filed a dispute with all three credit bureaus which resolved in my favor and the invalid debt was removed from my credit report in XXXX of XXXX. 

Recently I received an alert from my credit monitoring agency and they informed me that this debt has reappeared on my credit report under a different company. 

Enhanced Recovery CO of XXXX XXXX XXXX, XXXX, FL XXXX is reporting that I owe them {$110.00} and they set the date of the collection as of XXXX/XXXX/XXXX instead of the previous XXXX date in attempt to prolong the duration this invalid debt would stay on my credit report which I believe is a misrepresentation of the debt and a violation of the Federal Fair Debt Collection Practices Act. Enhanced Recovery CO has also failed to send me an initial communication as required by the Colorado Fair Debt Collections Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
XXXX was the last time I was contacted by Illinois Collection Services to the best of my recollection. I was contacted over an {$84.00} bill that my insurance company informed me they had paid. I explained to them that this was paid by my insurance company and I have not received any further communication from them regarding this issue. Apparently XX/XX/XXXX they then sent me to collections over a matter that I had reasonably assumed was resolved since I had not received any further communication from them. I learned of this being sent to collections from a XX/XX/XXXX credit report request. At no time did Illinois Collection Services contact me to let me know this was an ongoing issue. When I asked to see the documentation of this supposed debt that their representative quoted several times while speaking to me on the phone, she would not provide it or tell me how to obtain it and transferred my call to a voicemail. If, in fact, my insurance company did not pay the {$84.00} like they informed me they did, then I would have pursued this further had there been any communication from Illinois Collection Services that the matter was still open. I have not received anything from them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, or yet in XX/XX/XXXX. I would like this matter removed from my credit report because I believe it was improperly put on my credit report, and reasonable communication from them would have resolved this minor issue of {$84.00} before the situation escalated to this level.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
I disputed an account with the credit bureaus and each time my disputes either came back as " verified '' or was absolutely ignored. I contacted the company in question directly 3 times and I am mailing them my fourth letter today via certified mail. I first contacted them at the address they have listed on my credit report XX/XX/2015. I heard nothing back. I then did a search online and sent a letter XX/XX/XXXX. I heard nothing back. I did another search and found an address claiming to be their headquarters XX/XX/XXXX via certified mail and it was signed for. I heard nothing back. I am now sending out my fourth letter today, XX/XX/2015 along with this complaint. By ignoring me, they are violating my rights under the FCRA and are showing willful neglect in taking care of this. I have been having trouble getting this erroneous for over a year now and will be taking XXXX Carrington Mtg to court. By law, a creditor has 30 days to respond to the dispute or they must remove the account. The same things goes for the credit bureaus. Each dispute has been ignored. Your company 's last response to my complaint stated that I have made too many disputes and changed my reason for the disputes. Let me be clear on something : if my disputes were investigated properly, I would not have had to go to such lengths to get this taken care of. By law, once I notify a credit bureau that I believe their investigation results are incorrect, they must conduct another investigation and obtain the actual documentation that " proves '' the veracity of an account. This was not done and XXXX concurs with this process that I am stating is imperative. Not only were my disputes with Carrington Mtg ignored, they do not have XXXX address to contact. I am not able to get anyone on the phone to verify any of this information and I have put over 50 hours and thousands of dollars into correcting this mistake. 

Here are the addresses that Carrington Mtg has : This XXXX is stated on their website as their " headquarters '' CARNGTN MTGXXXX XXXX XXXX XXXX XXXX XXXX & XXXX, CA XXXXThis XXXX is stated on my credit reportCARNGTN MTGXXXX XXXX XXXX CA XXXXThis XXXX is stated on their website under " contact us '' CARNGTN MTGPO BOX XXXX, Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I inadvertently discover that B of A has " misplaced '' my heloc payments on 4 different occasions. They were eventually " found '' after several months, however, the math in calculations is suspect i.e. when a payment was lost, I was charged interest and when the payment was found, I was charged interest again. 
I have been trying to resolve this problem for 2 months and all I get are promises from the " official '' at the branch office. I have a very documented journal of what has transpired, as well as bank statements proofing my concerns..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in 2014 I cashed Savings Bonds for my daughter at XXXX different banks- Bank of America and XXXX ( I have accounts with both of them ). They both reported interest earned to IRS. NOW, as an unemployed and XXXX XXXX XXXX, Financial Aid demands that I furnish a document of these interests earned ( XXXX, box XXXX ) but because I only received the summary for filing purposes, I had to contact both banks for a detailed XXXX showing the interests earned was from the savings bonds, NOT interested earned on savings. I had NO problems with XXXX, they sent me a detailed XXXX report showing that the interest earned was from savings bonds and I received it within FEW DAYS. Bank of America never responded to my request so I called the bank again and submitted a second request. AGAIN, NOTHING. One rep called me asking me for more information but he found out that I was using a relay service, he refused to talk to me!!! I had to call and speak to a different rep then subsequently with his manager then the manager did some researching and found what I needed THEN RE-SUBMITTED MY REQUEST AGAIN to the tax department which would take ANOTHER TEN DAYS!!! I 've ALREADY waited TWO WEEKS for it!

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 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
This is my third complaint since XX/XX/2016. Payments continue to be misapplied. I sent a check XX/XX/XXXX with specific instructions to payoff the XXXX higher interest loans with the Dept of Education. The payment was applied to the Federal loans which have over a 3 % lower interest rate. I called the advocate dept again and was told it would be fixed. Days later I called again to see why it had n't been fixed yet and was told it takes 7-10 business days and it would be fixed by XX/XX/XXXX ( that span was 13 business days ). The payment was reversed multiple times with errors up until XX/XX/XXXX where I think they are now done making adjustments. The misapplied payment from XX/XX/XXXX was not fixed. The adjusted payment originally applied XX/XX/XXXX now shows on XX/XX/XXXX. Not only am I being charged the difference in interest for those days between the DOE and Fed loans, I was also charged {$7.00} in interest on Dept of Educ loan XX/XX/XXXX that should have accrued only 25 days of interest since the payment ( last payment XXXX was {$5.00} to interest ). I have printed portions of my loans to accompany my claim. It does not cover the multitude of times I have to call, call again, and call some more to get my payments fixed over the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My senior year of college, I needed {$18000.00} to financially clear and graduate. Unaware of the dangers, I signed up for a private student loan with a variable interest rate. Again, I had no clue what troubles lie ahead - I just wanted to graduate. I defaulted on the loan and it went into collections. XXXX became Navient and along came the calls. After a lot of back and forth we arrived at a settlement of sorts. Since that time, not one payment has been missed or late. Navient is being sued by the government, so I decided to check my account. In spite of the regular and on time payments, my account said that I was late and that late fees would be charged. The most strange thing, was Navient did register the correct date and the correct amount of my payment. I called Navient to address this issue. The person handling my case was both rude and condescending, when I asked about the contradictory information on my account. After telling me the account would be in collections until it was paid off, I was offered another settlement. I asked for the offer in writing and was rebuffed with " we do not provide anything in writing ''. I told the representative that I was looking at a document on their letterhead, with the reps name and signature on it, which was to function as a contractual agreement. So, I knew that they do provide documentation. In the end, I had to get off the phone due to the representative 's attitude. My account information is still inconsistent though.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Said my loan was in forbearance and charged me huge interest fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America refuse providing me a information about my mortgage, this is continuation of case # XXXX, I run out space, I have XXXX more Question. 
XXXX. Before the transfer, what was the balance of ending non-interest bearing principle $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I noticed in my online account that I received a credit for a " Deposit Discrepancy Adjustment ''. I did not receive any written notification or explanation of this discrepancy adjustment. I called into customer support and was told I would receive a letter. After having not received a letter, I called XX/XX/XXXX and was informed that no letter would be sent, but that the discrepancy related to a deposit I had made in XXXX XXXX that had been improperly credited to my account. Given that the information made available online does not go back that far, I have no way of verifying any of the information I am being told to be accurate. I was told that I would receive a written explanation of the error as well as a full review of my account going back to the account opening with signed representations that there are no further discrepancies. I called back this morning ( over two weeks later ) and was told that all that would be provided at some point in the future at their discretion is a written explanation of the error from XX/XX/XXXX but that no further review would be provided unless I can identify the specific error ( which of course I can not do without any records being made available to me ). 
Furthermore, it is deeply disturbing that it would take nearly three years for such an error to have been identified, much less in a fashion that it is so opaque for the depositor to understand the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
i Called the number that is on my navient bill and spoke to a gentle man who said that i qualified for a student debt relief program. he said that there was {$600.00} filing fee. i gave him my credit card and social security information and navient account number. he said that he worked for navient.

Company response to consumer: Closed with explanation