vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
On or around XX/XX/XXXX I received a letter dated XX/XX/XXXX from Rent Recovery Solutions, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX ph XXXX from XXXX XXXX. The letter stated they represent a company in which I used to rent from and that I had a debt of {$3000.00} Of course I immediately called and questioned the debt. I was given the I had a right to dispute but the dispute could take some time and the only way to avoid the negative hit to your credit would be to set up a payment arrangement. I was not buying it and said when must I do this by. I was given to the end of XXXX. I called back XX/XX/XXXX spoke to the same lady. I was actually going to make payments to avid my credit being hit while I disputed the claim. Well at that call I was told oops it looks like when you said you wanted to dispute it back on the inital call it sent you to the credit bureau. I was like what? how? you said I had options but now I have none. Well you can pay the debt and that will at least show a XXXX balance. I was like Im not paying for anything until I know what for and if its even mine. I pretty much hit a brick wall. I contacted several attorneys who advised me I had rights. I contacted credit experts who said for me to send a formal request for validation. I sent it certified along with a letter explaining why and what I was disputing along with a time line and the ladys name. They received it on XX/XX/XXXX and I still have not received a reply or and correspondence as of today XX/XX/XXXX. I dont know what to do. I have pictures and emails to prove that I owe nothing. However the collections says they do not accept pictures or anything only payments. I call invitations homes the original party and they wont let me dispute anything or even talk to anyone. Its like I am trapped and they are trying to force me to pay something I am not liable for without even providing me the necessary info to make a sound judgement call. NOW MY CREDIT IS HIT with a XXXX $ bad collection. Please Help! XXXX XXXX File # XXXX creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
This company, which I hold no contract with nor received services from, reported a collection account against my SSN in the amount of {$320.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for services or goods they have provided nor have they provided adequate proof i am not obligated to pay the alleged 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 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
So on XXXX XXXX while at XXXX XXXX Course I noticed a charge on my Government Travel Card that I did not make or authorize, when I called Citi they said that some one gave my card number to the travel company instead of another soldiers card number when booking their travel. So I called citi bank to dispute it around XXXX ( XXXX ). Citi bank refused to do anything about it and said they would not take off the charge and that I had to talk to the travel agency that booked the flight, so I did. I called XXXX XXXX XXXX at XXXX And talked to XXXX and XXXX who said that they got my card number from XXXX XXXX, who is the XXXX account manager, and charged my card {$570.00} for travel. XXXX XXXX gave the travel agency my card even though the personal info on the account he was supposed to give had a birthday of XXXX which is clearly not my birthday. The travel company called Citi and told them it was charged by accident that same day and the XXXX account manager called Citi on XXXX XXXX to tell them the same but Citi still refuses to remove the charge from my account. Then in XXXX I called them again and here we are now in XXXX and they are still refusing to remove the charge and they said that even though they know it is an unauthorized charge they 're going to keep the account in the past due status and they refused to send me a letter stating that they know it is not my charge. They are saying that there 's nothing they can do about it that I have to find a way to take care of it even though I already reported it to them that it is not an authorized charge. Originally I was supposed to get a refund from them because I had over paid by about {$180.00} on a previous bill but now I ca n't get the refund or the charge taken off my account

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 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Nationstar manipulated my property into foreclosure by continuing to purposely advise me to submit for a loan modification knowing upon the first submission, my loan did not qualify. This deliberate action has forced be to file for bankruptcy to stop any further foreclosure action. My loan was previously modified with XXXX prior to its transfer to Nationstar in XX/XX/XXXX. I was experiencing a temporary financial setback and not able to pay the $ XXXX monthly payment in full. I could only make partial but steady payments. I immediately notified Nationstar. A 90 Day Right to Cure Letter was included in the Uniform Borrowers Packet dated XX/XX/XXXX requiring {$3500.00} to cover XXXX and XXXX due by XX/XX/XXXX to avoid foreclosure. XXXX applied a total of {$5500.00} in payments from XX/XX/XXXX to XX/XX/XXXX, which paid the account up till XX/XX/XXXX leaving a balance of {$260.00}. When Nationstar began servicing the loan, a payment in the amount of {$500.00} was processed on XX/XX/XXXX and a payment in the amount of {$1300.00} was processed on XX/XX/XXXX. These payments should have paid the account up to XXXX with a {$310.00} balance, which technically cured the default. My first denial was on XX/XX/XXXX. Then I received a refund check onXX/XX/XXXX for {$760.00} with no explanation. When my payments were no longer being accepted, I called Nationstar. I was informed my property was in the foreclosure process. This is also when the new XXXX XXXX Flex Modification was mentioned and I was encouraged to submit a borrowers packet to be reviewed. A few days later came the attorney letter. After researching, I discovered Nationstar returned only the {$500.00} payment along with the {$260.00} balance. I received a call from Nationstar in XXXX advising me I was now eligible for the Flex Modification, my account was now 8 months in arrears. I received the 6th denial letter and was advised no options available but a deed in lieu, short sale or self sale. I was forced to file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to fix this problem in my Equifax report since XXXX 2016. There were a comment " Paid after Foreclosure initiated '' on an account that was actually closed with a Short Sale settlement. The only result of those complaints is the reduction of more than 50 point on my score. My point is even if such process was initiated, is not relevant nor accurate, because it is NOT the CURRENT situation. We want to rectify it because it does not mention the Short Sale agreement which supersedes any eventual past processes, like all the years we paid on time, or our atempts to get a fair modification, or this one that we never get notice of. Instead of that we get a letter offering th AVOID foreclosure more than three months AFTER we closed the account. An accurate report should show the CURRENT STATUS which is something like : " Paid as agreed in a short sale process ''. As opposed to that in the Equifax report the " STATUS '' column says " 120+ days past due ''. That is definitely false and harmful, and has to be corrected. In the other hand, now the questioned comment says " Consumer disputes - reinvestigation in progress '' and for the last month and a half has been sitting like that. I called Equifax, because ironically I am their customer, asking when this reinvestigation will be over and they told there is not any open investigation!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an account with XXXX, account number XXXX, in response to a promotion at the store. The clerk at the store used an old address ( off my driver 's license ) to open the account instead of the correct address I wrote in handwriting on the application. When I called to close the account ( because I never received an actual card ), I was told that the statement was sent to the old address in XXXX and that they would send me a statement for the account balance of {$23.00} to my new address. The account was closed on XX/XX/XXXX, and I sent a check for {$23.00} for the account balance on XX/XX/XXXX. XXXX then sent me a new account statement for {$24.00} in late fees for a {$23.00} balance even though any late fee was attributable to their own mistake in issuing a card to an old address. They continue to mount late fees of 100 % interest each month. Please help. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
On XXXX/17 @ XXXX, I missed a call from ( XXXX ) XXXX. I immediately returned the call. I was then asked for my information and I asked what agency had I called. I was told that it was a debt collection agency. The name was inaudible by the female representative. I asked her about the debt and she said it was for XXXX in the amount of {$260.00} and immediately started to ask me abut the course of action that would be taken. I told her that I am not familiar with her company and could she tell me again and that I would reach out to XXXX. This is due to me receiving upward of 50 phone calls daily from robo and scam calls. She told me it was Halstead Financial Services. I also asked her to mail the documentation pertaining to the debt to me She continued to disagree. I tasked her again She told me that they had already sent a letter. I told her that I had gone through my mail and did not have anything within the past 1-2 weeks from them and that I need them to put the debt information in writing. She refused to mail the document and yelled " it will not work under your terms ''. I hung up the phone to prevent further aggressive talk while I was at work. I walked outside and called back at XXXX to get her name. " XXXX '' continued to try to collect the debt and would not provide the name from the notes in the account even after I told him that I was in the process of filing a complaint and that I would add his name as someone that I have spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
I contacted Caliber Home Loans to refinance a home mortgage on XXXX XXXX, 2017. Everything went fine until they sent an appraiser out and the person hired by Caliber was not professional and submitted comps that were not anything like my home resulting in a lower value so the loan was not approved. comps submitted by the appraiser should not have been allowed becuase 1. They were over 7 miles away 2. They were for single family homes and my home is a multi family I asked that the home be re appraised but they were not willing to do so. The person hired by Caliber was not a professional and I complained at the time of the appraisal. I have since contacted an independent appraiser and they say the house should have appraised for more and the comps used by Caliber were not suitable for a comparison of my property

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank has taken money from my savings account on various occasions without my authoriation. XXXX, XXXX and XXXX. Specific instructions were give for the XXXX and not followed. XXXX and XXXX were never authorized by me to be taken for a bill pay which i have always paid on my way to citibank. The XXXX was specifically instructed to the representative of citibank to be transferred to a new account i opened with a didferent bank. She decided to transfer it to my checking account at citibank because it was overdrawn by citibank themselves by processing a payment from an account that had no money in it. Citibank has also taken XXXX from my savings to even out an overdraw from a fraud situation. No authorization was given to citibank for these transactions to occur.

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 2017-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
i have sent account resolution services 2 validation letters disputing this debt. i have no knowledge of owing ars/ account resolution services or the creditor XXXX XXXX XXXX any outstanding bill for services or products. the collection company rerfuses to comply with HIPPA validation letter and respond with proper DOCUMENTS pertaining to this alleged debt i have no knowledge of. Im dispiting this alleged debt but the collection company account resolution services continues to violate the FCRA BY CONTINUING TO REPORT THIS ALLEGED DEBT TO THE 3 CREDIT REPORTING COMPANY AFTER I HAVE SENT MULTIPLE REQUESTS. MY LAST WRITTEN DISPUTE WAS ON X/X/17.

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 2017-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
An Original Mortgage done in   XX/XX/XXXX  h as been CANCEL LED  XX/XX/XXXX . A load mo dification has been done on this mort gage  XX/XX/XXXX  for  a greater amount of sums included. I bear NO signature to this loan modification, as well as I was not aware of this being done, as I no longer resided at this address. Nationstar Mortgag e /    XXXX   XXXX   XXXX   did a loan modification on this and did not contact me in doing so. This is now on my Credit Report and I need the full amount of this unpaid balance taken off my credit. I did not sign or preform any act of modifying this mortgage. The amount is false and untrue of me owing. Once again, I bear no signature allowing this amount to be modified in my name. I need the amount of Mortgage shown on my credit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
on saturday XXXX XXXX 2017 i deposited my tenants TD bank account check for {$7700.00} into my TD bank checking account. on sunday it said the funds were pending. on monday it said the funds were pending. on tuesday morning the funds cleared and were deposited into my account. i needed to write checks out so to be sure i called the banks customer service line and they said the funds were from a TD account to a TD account and they were in there go ahead and write your checks. i then proceeded to write out checks and send them out. that night i went into my account to transfer funds and noticed my account was in the negative. i called customer service and they apologized and said i should go to speak to the bank. i went the next morning and they were sorry but said they should have never said to write my checks.i said the funds were cleared to my account that i should n't be responsible, they should. I feel they should be going after the person who wrote the check since she is a TD bank customer and it was a TD bank account and they cleared the money. This is n't a small amount I can make good on. Why should I have to make good on the monies and go after her when they told me the funds were OK to write checks on and use and I have proof the funds were cleared in my account. even in the overdraft letter they sent me it states the funds are usually available the next business day unless an extended hold is placed and that the deposits show as pending until the funds are fully available for use. another customer service rep called me wednesday to apologize and say they will use my case in training. i told them they should be going after their client since they cleared the funds not me and it was n't right i should have to scramble to make good on the checks i wrote. they said they would credit my account for the trouble {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Your company also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MI

Complaint narrative:
Due to the 15 plus years of computer hacking, Computer errors, with drawing funds out of my bank, trying to transfer money for my other credit card by Discovery Bank, I am now being treated for XXXX XXXX XXXX by the VA hospital. I have forgotten that Discovery took money out of my bank with out my authority almost causing me to bunch checks. And trying to transfer money with out my authority from my other credit cards. Telling me that the will have me jail if I do not pay them what they say. And now because I stop paying the illegal charges, over drawing, late fees transfer fees and others they are taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have had multiple issues with  XXXX /Navient as my loan processor.     First, here is some older issues I have had where I do not have much documentation of : I requested to have my loan taken off of any extended or reduced payment plans, and my monthly payment increased to approximately {$400.00}. Around 2 years later my payment jumped to approximately {$800.00}. When I contacted Navient to understand why I was told that it was because I was in a extended repayment plan which was never removed.     After this fiasco which likely has cost me thousands of dollars : I began making the payments of {$800.00} and have recently started paying extra into my loans in a desperate attempt to no longer have to deal with Navient.     I have ma de 10+ calls to Navient in the l ast 30 days. Each extra payment made on the website was incorrectly applied.       XX/XX/XXXX  - - Payment made in the amount of {$200.00}. The payment was split between  2 loans instead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the fu nds.       XX/XX/XXXX  -- P ayment made in the amount of {$50.00}. The payment was split betwee n 3 loans i nstead of going directly to loan  XXXX . I contacted Navient who apologized and correctly applied the funds.       XX/XX/XXXX  -- Payment made in the amount of {$580.00}. The payment was split between all of my loans instead of  going directly to loan  XXXX  to pay off the remaining balance. The loan balance ended up being {$22.00}. I contacted Navient who apologized and correctly applied the funds and marked the loan as {$0.00}. I also requested that the minimum monthly payment amount of  XXXX  be added to the auto-pay amount of  XXXX . This was not correctly applied.       XX/XX/XXXX   -- The new auto pay amount was set to {$130.00} instead of {$150.00}. The customer service and supervisor were unable to explain to me why. The minimum/auto pay amount changed from {$800.00} to {$830.00}. The supervisor did not have access to view any reason for the {$30.00} increase. They sent a request to th e " Research '' group  with a turn around time  of 7 to 14 bus iness days. The " research '' group will not contact you back via phone with they are able to identify exactly where the {$30.00} increase came from. The supervisor refused to give me any tracking or identifying number for the interaction and request. I was told to call back to check on the status of the " research '' groups findings.     My call o n  XX/XX/XXXX  e nded with : " You have my word sir that I will send in a detailed request ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I 'VE HAD CALLED TRANSUNION ABOUT MUTIPLE INQUIRIES ON REPORT SEND THEM POLICE REPORT ABOUT IDENTITY NOTHING HAS HAPPENED CALLED ALWAYS GIVEN ME THE RUN AROUND ITS BEEN 45 DAYS NO RESULTS

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