vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 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: OH

Complaint narrative:
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported 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 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Originally contacted XXXXXXXX XXXX XXXX because they sent an account to Source Receivables stating that I owe {$440.00}. After speaking with XXXX XXXX  XXXX they stated the balance is only {$91.00} and since it is in collections I have to pay the remaining balance with the collection agency ( Source Receivables ). I  called Source Receivables and spoke with a manager by the name of XXXX whom asked me to email her bank statements and documentation from XXXX XXXX XXXX showing the payments that were made. The payments were made before the received the account. I also paid the {$91.00} ( confirmation # XXXX ). I emailed those documents and XXXX called me back stating that the account is indeed {$0.00} and she will send me documentation in a few minutes stating that the account balance is {$0.00}. I never received that email stating the account is paid in full w/ a balance of {$0.00} so I called twice on XX/XX/XXXX. The first time I called they stated that the account is {$0.00} and I should receive the email before XXXX. I have not received the email again so I called back the second time and they are stating that the account need to be {$0.00} in order to receive the email. I requested to speak to XXXX and they stated she is not available so I requested to speak to another manager. The rep. advised me that the the owner XXXX stated that " he will not take the call because the balance is owed '' and the rep then proceeded to disconnect the call. After calling back I was told " They are unaware of who the manager XXXX is and there is no one available to speak to me ''.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My fixed rate was changed to a variable rate. I did not receive mail that they insist that they sent. Because rate was FIXED, I did not think it could be changed to variable as long as I kept my account current. This practice is very deceptive and even though they responded to my complaint ( surprise surprise in their own favor ) I want CFPB to please review what happened and suggest changes so that other consumers do not fall victim to this type of deceptive practice. 

Fixed means fixed. My fixed rate mortgage will remain fixed for the entire term. Why would the average consumer have any idea to question that it is any different with credit cards? I never looked for any changes because by signing up for a fixed rate card I did not expect that it could be changed to a variable rate. Chase says they sent me a letter and an update years later but I did not get their mail. I didn't but what if I were to say I got it and sent it back asking them to opt out? If the mail was misdelivered, lost or stolen they would have the same frustration I have now, but they are bigger and they hold the cards so I would be told that since they did not get it that I am out of luck I am sure. Everything is situated to benefit them and that IS NOT FAIR to consumers. 

Cardholders are required to sign for the initial terms of the card, so why are they to opt out if they do not agree with changes that are set to benefit Chase? My theory on this is that there are predictable amounts of people who will not receive their mail or not reply to their 'notice '. They can predict increased revenue based on this alone and the people who don't opt out who really want to keep it ( even though it is not in any way benefitting them ), is just more profit for them. The cardholders best interest is not of their concern. They are already making money on the accounts but this just allows them to strong arm more money from their customers. Very unfair. 

With this premise, would it be ok for me to send them a letter, not registered, no proof of receipt etc telling them that I am going to quit paying my card and that they agree to write off my debt if they do not reply in 45 days. If they do not reply in 45 days I can then tell them and the credit bureau that they did not opt out of my proposal and I can then be free and clear of my debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX, I called and spoke to a representative from Portfolio Recoverys legal department, to inquire about the balance on a XXXX account # XXXX. The representative stated that as a result of a default judgment that occurred on Monday, XX/XX/XXXX, at the XXXX Civil Court, the balance owed would be {$1300.00}. 

I informed the representative that at no time did I receive, or was I served a summons for the above-mentioned account, at my current address XXXX XXXX XXXX XXXX, NY XXXX. I have been living at this address since XX/XX/XXXX. This is the same address that XXXX had on record as of XX/XX/XXXX, and was the same address when Portfolio Recovery purchased the account on XX/XX/XXXX. 

Portfolio Recovery filed a lawsuit against me, and obtained a default judgment, knowing my current address, but failed to personally serve me, or even mail me a copy of the summons. I had no idea Portfolio Recovery filed a lawsuit against me, or the outcome until 3 days ago. 

From what I understand, this is a violation of the Fair Debt Collection Practices Act. ( FDCPA ) This collection account is also reporting inaccurately on my credit report, which is a violation of the Fair Credit Reporting Act. ( FCRA ) I am hoping to resolve this issue without having to obtaining legal counsel to have the default judgment vacated, and file a countersuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX while attempting to qualify for a mortgage I was informed by the mortgage company that I did not have an active credit report with Equifax. I have been building a credit history for over 15 years. When calling Equifax they told me that I did not have any credit history with them and that if I did I would need to send them a copy of my credit report. This is obviously not possible. They then asked me to send them a copy of my drivers license and social security card to verify my identity, however, when given this exact information over the phone they were unable to find my report. I do not trust Equifax given their history with hard copies of my my personal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.

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 2018-07-16 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: AL

Complaint narrative:
There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are a couple of discrepancies on my credit report. I have attempted to contact all three bureaus in an attempt to resolve and update the matter. The first issue that I am having is the fact that XXXX XXXX XXXX is reporting a mortgage that is reading like a credit card. My mortgage is owned by XXXX XXXX XXXX XXXX. I have never been late on my mortgage. I have spoken with representatives at all three credit bureaus and was told that I would have a resolution within 30 days, however I have yet to receive any updates. This is problem as it is making my credit appear to be extended.

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 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
We have had a very difficult time with XXXX XXXX. We tried to do a loan modification and could not afford the mortgage payment. We have placed our property on the market to sell. XXXX XXXX and the investor have refused to postpone sale dates while we go through this process. We have had to get free assistance from legal aid. We now have a full file in the system in review with XXXX XXXX, that has met the numbers requested by XXXX XXXX for approval, and now they have refused to postpone the sale date. From my understanding, this is illegal in the state of California. ( California Bill of Rights ). All documents requested have been received by XXXX XXXX. We feel like XXXX XXXX is lying to us, and only want to foreclose and kick us out on the streets. We simply want to avoid foreclosure. 

We are both retired living off a fixed income. Our SSI and XXXX Pension.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I submitted a loan modification package to the lender for review. I was advised twice in XX/XX/XXXX that the loan package was complete and there were no more necessary documents.

I then received a letter changing the rep on my case, and the next letter I received was a letter advising they had not received a package since XX/XX/XXXX, and that no package is in review. 


I went to court last week and the attorney advised that there was no loan modification in review. I called my lender after the hearing and they advised they have a complete package and its with underwriting. 

There has been a complete mishandling of my loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Spoke with the servicer, Ocwen The last reported date was XXXX, Its the middle of XXXX. Called to see why and they told me that they only report on a quarterly basis. That seems to be outside of the guidelines which is 60 days this si the second time I had to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Friendly Finance Corporation
State: GA

Complaint narrative:
I contact my loan company Friendly Finance on XX/XX/2018 via email at XXXX inform them that I will be mailing XXXX payment. I was sent a very detail message on XX/XX/XXXX that was left by Mrs. XXXX on my father voicemail in regards to my delinquent account. She left a very threatening message that disclosure details of my delinquency which is consider a 3rd party violation. This action was taken although I made an attempt prior to contact them via email. No effort was made by Friendly Finance to contact me via the mode of communication that I initiate. Instead they made an attempt to not only violate my right to privacy but embrassed me by disclosing my finance information via voicemail to a 3rd party.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The State of California passed legislation that requires every bank who does business in the State to submit every customer 's social security number into an Automated Data Matching System, see sections 17450 - 17456 of the State of California Family Code. The XXXXXXXX XXXX and the Navy Federal Credit Union have submitted my social security numbers into the State of California 's Automatic Data Matching System without first notifying me to opt out, or to dispute, or to challenge these actions in Court. These actions by Navy Federal Credit Union and XXXXXXXX XXXX violate the Gramm-Leach-Bliley Act, Dodd-Frank Act and the Right to Financial Privacy Act. I am entitled by law to be notified first before my non-public information is submitted to any third party. Since late 2013 over {$3000.00} was frozen then taken out of my joint savings account with my son and joint checking account with my wife and in both instances, this was not my money they took. Please enforce the laws that we had Congress pass to protect us from the very activities these banks are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Contacted Transunion through mail on XX/XX/XXXX, in reference to accounts with XXXX ( 6 ) for inaccurate info being reported and received from them verified / updated dated XX/XX/XXXX. I received in the mail on XX/XX/XXXX a response from them. In the letter I requested how their verification took place for these accounts. What physical evidence do they have from which they are verifying from? I received a report informing the info was updated. I did not receive the info requested. Ive included my ID and Social.

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 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I have a a unverified account from XXXX XXXX XXXX   # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have received a phone call from XXXX in regards to a debt owed to Citibank. Theystated they are a medication service. I have advised them i am working with a 3rd party on this matter and all of this information went into a judgement back in XX/XX/2014. I have requested supervisors, and never received a call back. Advised agents that I am already working on this and to stop the calls. I was advised that calls will continue because they dont have the documentation on their side. I have asked not to be contacted, and still receiving calls. This matter is being handled through XXXX XXXX  XXXX in XXXX, AL and my bank statements show payments are being made and are on time.

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 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In late XXXX my debit card from Bank of America was used and XXXX $ was stolen off it and in early XXXX my debit card from Bank of America was stolen and XXXX $ was taken out my account now both times I called the bank and filed a claim they recently got back to me and denied my claim saying I stole my own money. On XX/XX/XXXX they took the credit they gave me and also took money I had in my account which now i have a XXXX $ in my checking account. Before they took the temporary credit I had faxed them a written statement explaining the claims and stating that I didnt steal my own money they said they didnt get them so I faxed the same papers 3 more times and they still say they havent received them and that its nothing they can do for me expect try and make me pay the negative balance which Im not go do since Im not liable for the fraud that took place on 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 2018-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Auto Trakk, LLC
State: MI

Complaint narrative:
I made payment arrangements with AutoTrakk and have been paying as agreed. They do not update or report it accurately to the credit bureaus at all unless I dispute it and even after it has been disputed they still refuse to properly update the information. It is listed on my credit report as {$1300.00} owed when I in fact only still owe {$650.00}. This has been listed on my credit report since 2008 and the statute of limitation has passed on this account. Autotrakk nor the credit bureaus has a date listed for when they plan on removing it from my credit report. It is very harmful to my credit which I am trying to repair and would really appreciate it if they would remove it from my report. I am fully aware that due to the fact that I had medical complications my payments were delayed but for almost a year I have made consistent payments via my social security XXXX to peacefully resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation