vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This company popped up on my credit report last year, I had never heard of the company before and did not sign a contract to pay them. There was no initial contact from company about me owing the debt so I couldn't dispute it prior to going on my credit report and now they have have put themselves there they also call me 10+ Times a day by different numbers. I requested validation by mail and all I received were statements and something saying the debt was " sold '' to them. This is not validation of a debt and they should not have put themselves on my credit report without giving me a chance to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
OCwen loan Servicing LLC bought my loan from XXXX and I got 2 months behind and tried to catch up by sending 4 payment of {$100.00} extra and they never applied that money to my payments they said they put it in a extra account that just sat for no reason. They foreclosed on my home and I had to file Bankruptcy to stop the sale. That's when I paid XXXX and XXXX to {$4000.00} to help with filing a modification and this was after I was working with Ocwen myself for the loan modification and they keep telling me I was missing documents they needed for the approval. My loan modification was approved after XXXX. And I made the required payments8 then they sent my a package with the final agreement to be notarized and they sent it back 4 times saying there were errors made by the notary until they rejected them and I had to start all over. XXXX and dance XXXX told me they would refile for {$1000.00}, less. I thought I would try again on my own and Ocwen sold my loan to Phh loan servicing, LLC a company owned by Ocwen. In the meantime I'm acquiring interest out the yen Yamg while they are getting paid by there loan insurances. I now owe more on my home than I paid for it and I bought it in 2007 ,12 years. Doesn't this seem wrong. The money just doesn't add up and I went from a 15 year loan to a 30 year loan I don't understand. I have read a lot of stories about Ocwen and Phh loan servicing that sound a lot like mine. Go to Medium web pages and you'll find out about they are doing to home owner. Is their any thing I can do to find out if what their doing is right. I feel as a lot of others they are ripping us off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX ct/ XXXX XXXX Date open XX/XX/XXXX Amount XXXX Account was deleted XX/XX/XXXX from Experian credit report but the same account continues to reappear back on credit report

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 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
This company has sent me an email trying to collect on a debt. They have actual sent the email to the wrong person. Any and all debts are supposed to be in writing not via email. This company is not follow the consumer protection laws. They sent me some letter offer 100 % settlement. I have responded to the email stating debt is not mines and they should not be send this information via email. I also have asked them to stop communications with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/2019 Td Bank XXXX XXXX XXXX XXXX XXXX Case : XXXX To Whom it May Concern, I filed a dispute on XX/XX/2019 for the amount of XXXX. 

This transaction was debited from my account on XX/XX/2019 paid to XXXX XXXX via XXXX payment. 

This payment was for services that were not provided. The recipient acknowledged the services were not provided as agreed and offered a full refund which I accepted. The refund was never issued and the recipient stopped communicating. 

I have attached all supporting document for this case to be properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: MO

Complaint narrative:
I have had auto payment on my loan with Navient for years. On XX/XX/XXXX, I changed the account on which the payment should come from. Since the change would not go into effect until the next payment cycle which was XXXX, I made a one-time payment using the new account so that I would not go past due ; this payment did go through. 
While I was on vacation I started getting VM saying that I needed to call Navient and make a payment so that my account would not be negatively impacted. When I got back XX/XX/XXXX, I logged into my account to see that the account from which my payment would be deducted was no longer linked. I went through the process to link the account and it said/showed the account was active. I then tried to make a payment and the system said that it was invalid. I tried to link my old account and went through the same process to have the system say it was invalid. 
I waited 24 hours ( XX/XX/XXXX ) thinking that I may have locked the account and tried to link both accounts. The same thing happened saying it was invalid. I called Navient and spent over an hour on the phone with 2 different people. The 2nd person said that it was my bank that was blocking the payment. I gave this person my credit card information to make a payment so that my account would not go past due. I then called my bank and spent another hour on the phone with them ; they told me that they were not denying the payment and that Navient was refusing to take the payment. 
I received an email yesterday from XXXX stating that I was going to get a refund for {$120.00} but the email did not give me any details except to contact Navient if I had any questions. Then last night I received a call from someone at Navient stating that my account was past due and that I needed to make a payment immediately. I stated that I had made a payment on the phone already and that my next payment was not due until this month. They told me that the person I spoke to from Navient made the payment directly to the Department of Education. 
This whole situation raises huge concerns of how my loan is being handled. Not only am I dealing with possible delinquency on my account but someone from Navient took my personal information and credit card information. Now I have absolutely no faith that my account has been handled properly this entire time. I do not know if payments and/or personal information have been handled appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX & XXXX, the XXXX XXXX XXXX  XXXX and XXXX, representing the executrix of the Estate for Loan Number XXXX through Fay Servicing, LLC., sent a payoff request. It is now XX/XX/XXXX and they are still not complying with our request. This goes against federal law as it is not in foreclosure so they should have complied within 7 days. I have called vigorously to get the figures for the pay off amount. I then went through XXXX XXXX XXXX XXXX as it had been transferred to them and sent them the same payoff request on XX/XX/XXXX and apparently Fay Servicing is not answering them, either. Again, this goes against federal law. This is absolute nonsense that we are still trying to get a payoff amount or even an answer from Fay Servicing , LLC, more than 2 weeks later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
Collection Professionals Inc. has been attempting to collect a debt on behalf of the XXXX XXXX Fire Protection District and the Lawfirm XXXX, XXXX XXXX XXXX. The debt in question totals in the amount of {$4100.00}. I have never done any type of business with either of these companies nor have I ever been notified from either of these companies that I was indebted to them. I did not even find out about the debts in question until I was contacted by Collection Professionals, Inc. I have received multiple letters and phone calls about this debt for several months prior to beginning the documentation of the correspondences. In previous attempts, I tried to explain to the agents that I was not the correct individual. I was informed that I would have to supply them with a partial Social Security number and/or my birth date to confirm my claim that I was not the correct individual. For obvious reasons, I was not willing to submit the information requested. I was informed that they would not be able to remove the claim against me unless I provided the requested information. 

On Tuesday, XX/XX/XXXX I received another correspondence from Collection Professionals, Inc. I attempted to contact them by phone at XXXX XXXX CT on Thursday, XX/XX/XXXX. I was directed to an individual named XXXX. I informed XXXX that I was recording the call and I was immediately disconnected. I called back right away and was directed to XXXX again. XXXX informed me that I do not have permission to record the conversation as Illinois law requires that he give consent. I told him that the call was being recorded and that if he is not willing to discuss the matter while being recorded, then I will consider the matter closed. He did say that he was willing to discuss the matter but reiterated that I did not have his permission to record the conversation. At that point, I informed him that I do consider the matter closed and I expect their company to stop all correspondences and attempts to collect this debt from myself, XXXX XXXX who resides at XXXX XXXX XXXX, XXXX Illinois. I then ended the call. 

I did not hear anything again about this debt for nearly a year and assumed that the matter had finally been resolved. On XX/XX/XXXX, I did receive a new letter from Collection Professionals, Inc. This letter is threatening legal action if I do not pay the balance in full. As of XX/XX/XXXX, I have not received any further information regarding the potential lawsuit. 

I did check with the credit bureaus verifying that I was not a victim of identity theft. There is no record in my credit report that I have ever incurred the debt mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Savgs act opened in XXXX was abruptly closed in XX/XX/XXXX without notification. Bank sent us check for XXXX balance. Check lists our children as trustees. We did not remember listing them as trustees and 37 years later do not want them as trustees. We can't cash or deposit this check. Even bank of America won't cash or deposit. We have been putting money in this account for 37 years and now account abruptly closed without notification and no way to cash check bank sent us.. XXXX XXXX client advocate in  bank of America office of the president on case # XXXX told us to XXXX XXXX the check to their XXXX XXXX by mail location. Cost me XXXX. But check returned to us " unable to deposit ''. Now XXXX no longer returns our phone calls.

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 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have the Sears credit card which I closed and without my request they opened an accounts on shop your way, after I closed the account on this card. I talked to city bank they told me that the account was closed but I am still receiving statements every month. When I looked for the manager they stated they don't know and can't fix anything. They are opening cards without my consent or without me asking them to. 
These are the last digits of the cards they opened without my request. 
XXXX, XXXX, XXXX, XXXX, I have one card XXXX and I closed this card with the 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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
For the past month every other day Experian has been putting accounts back on my credit report that is fraudulent and has been removed several years ago. Which they have all valid paperwork stating the accounts are not mine. My husband and daughter are also getting emails regarding disputes they never initiated. Ever since we are with there membership this is what has been happening. When I call and speak with the fraud department they are stating the company verified the information four years later! I have no clue what is going on. But my file is a mess right now. Out of the blue and every day, it's something different. I have continued to send in the paperwork to no avail. XXXX nor XXXX is doing this. We have laws in place if we are victims and they are not abiding by the laws.

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 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank stole over {$30000.00}. I NEED HELP. THEY HAVE ALWAYS REFUSED ME ACCOUNT ACCESS-I FOUND IDENTITY THEFT AND CITI REFUSES TO GIVE ME COPIES OF CHECKS IR WITHDRAWAL SLIPS. I WANT CREDIT. I WENT IN XXXX XXXX XXXXAGAIN XXXX XXXX XXXX XXXX PLAYS WITH ME, LYING, ETC. I NEED MY MONEY.

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: LA

Complaint narrative:
Credit Management, is attempting to collect a invalid debt from me, which I never made contract to pay them over know who they are. This is another collection agency XXXX XXXX has hired to attempt to collect an unverified debt from me. 

Credit Management has a WRONG ADDRESS on file for me and their amount is WRONG! They also CAN NOT verify the debt to me. Please delete this unverified account from my credit reports or I will sue them. 

I'm not asking to verify my name, address or social/date of birth, anybody can get that information. I'm asking them to follow the FCRA and show proof of a signed contract agreement, that I agreed to ever pay them any amount!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: NJ

Complaint narrative:
There has been fraudulent charges in my XXXX bank account and I reported it to them IMMEDIATELY. They removed the charges but didn't remove the fees for my account going to negative for these charges. 
Basically these fraudulent charges have been made in my account and these were revered back but the fees associated with these fraudulent charges making my account go to negative haven't been reverted back. 

They said it'll take a month to investigate the charges in my account after a month they got back to me and said they indeed were fraudulent charges and removed them but didn't remove the fees. 

So I closed my bank account there cause their policy is unfair. 

If the charges were fraudulent why should I pay the fees associated with them? 


Now they put a derogatory mark in my credit score caus of this. This is totally unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I  am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ XXXX XXXX ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ XXXX XXXX XXXX XXXX XXXX ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Fraudulent account identity theft XXXX XXXX XXXXl Amount XXXX Account XXXX Date open XX/XX/18 Account was deleted but somehow continues to reappear on Equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I began receiving text message and email alerts from Chase that my account balance exceeded a set threshold level. Upon checking my account, my balance was less than half of this arbitrary amount. A short time later, I received another alert that my balance was even higher! Upon calling Chase, I was told that there was a mistake with a change to one of their systems. I received no notice of this " mistake '' and for a Fortune 500 bank to be taking such risks with untested, unverified software updates is deeply concerning. 

More concerning is the possibility that the bank was using actual customer phone numbers in testing its new system, since the alert I received was for an amount far in excess and with no relation to my current account balance. In other words, it wasn't double the amount, a rounding error, an extra zero, etc. It was arbitrarily larger and different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/2018 my identity was stolen to fraudulently open an account with XXXX. I filed a police report and followed the procedures with XXXX to verify that it was not my account. XXXX sent me a letter stating the account is not mine. I sent the proper paperwork to all three credit bureaus. 

XXXX and XXXX immediately corrected the issue and removed the fraudulent account information from my credit record on their respective systems. 

I have tried three times to have Equifax correct the issue and they are refusing to do so. I have a letter from XXXX sating it is not my account and a police report. This has been going on for 18 months. 

I have also called Equifax and they ignore me. This has prevented me from getting new credit and cost me hundreds if not thousands in additional interest because of the higher interest rates I must pay with this incorrect, fraudulent negative credit account hurting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
I have spent time and money on getting this resolved. The story and details are very extensive but long story short : I returned equipment in XXXX and asked for services to be turned off after I moved out of my parents home 'after ' the billing cycle was done but, XXXX kept services on. I did not find out until XXXX when I pulled my credit report and I contacted the Collection Agency and also disputed many times unsuccessfully. I finally contacted the Original Creditor, XXXX and resolved the matter directly with them and the representative told me that this debt would be recalled since there are many inconsistencies an I paid them directly. Waypoint updated as paid but this should have been removed since XXXX recalled the debt. I disputed and today XX/XX/XXXX the results were " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' this does not meet requirement of the Fair Credit Reporting Act. Please help me Waypoint is damaging my credit report incorrectly.

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