vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
I received a voicemail at XXXX on XX/XX/2018. The phone call was in reference to my husband debt. The voicemail never mentioned me, but the representative stated every address related to him and his parents address and birthdate. They threatened to serve him legal papers at his place of employment and that further actions are being taken. I took down the number they left on my voicemail and returned a call to let them know about the matter of someone leaving a voicemail with people personal information and the representative was very matter of fact. I then asked her why was i receiving calls in relation to my husband 's accounts and she then stated " because you're his wife. '' I then informed her that no one contacted me to get permission for him to even use me as an reference. The representative then stated they didn't have to because i was his wife. I'm assuming this debt was before we got married because he and i pay our bills together now. I then informed her i didn't appreciate the voicemail that was left with people personal information included. I asked the representative was this phone call being recorded and she stated yes. I wanted it to be recorded, but she never once informed me. I then told her i no longer wanted to be contacted and she stated that i had to be contacted and i couldn't be placed on the do not call list. I feel as though my privacy as well as my husband 's and his parents privacy has been violated in every way. I even asked the representative about the privacy law and that's when she started yelling at me stating that i was just defending my husband. I then ended the call because i didn't have to be talked to like i was an animal. I have saved the voicemail if needing to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Credit Report.There way to resolve a credit report problem it give me a hard time.I try to contact them over the phone not resolved, i try to send o prove of credit issues that they was fully of errors not resolve.They not investigate at all such all those reporting companies they report there with lot of errors.Rude costumer service they treat you like a criminal.The last time i send all the paper work show and prove that those reports are with errors they did not upload my documentation the operator told me that they not received. ( ( ( they lost or they not upload purposely ) ) ) .They tell me send it back again.

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 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: KY

Complaint narrative:
XXXX XXXX advertisement is filled with false rates. The advertised rate is not anywhere near the actual rate that they will offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: TX

Complaint narrative:
Bank of America/XXXX XXXX deliberately manipulates deposits and incoming charges to generate overdrafts fees. Overdraft fees are a huge revenue stream for them and I think it is grossly unfair of then to take advantage of the public in this manner. What can we do to get then to stop this reprehensible practice?

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 monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The bank I use is JP Morgan chase bank. My debit card was stolen from me on XX/XX/2018 and its pin was also stolen. I did not know the card was stolen from me at the time and the theif racked up {$4800.00} in charges at 4 different places. At two XXXX they charged around {$3000.00} and at two separate atms around {$20000.00}. Also my bank allowed this person to call and transfer money over from savings to checking at odd hours of the day totaling the amount of {$8000.00}. This all happened in the span of 1 hr and my bank did not stop the card from use. I wasnt aware of any of this because at this time I was sleeping. I have never used my card in the locations or banks money was spent or withdrawn. These location are 45 miles away from my house. My back which is chase bank will not refund me the money. Their only reasoning on not covering my fraudulent charges is that my pin was used. They arent working with me and every time I call to try figuring it out I get put on hold and dont talk to anyone. They keep telling me they cant do anything about it. Ive shown them police reports and photos of another individual using my card from the police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
To whomever is concerned. I XXXX XXXX. a 21 year military retiree. I have receive a intent to foreclosure letter on my home. This company is ripping veterans like me across the country off and I say this because if they are doing it to me. They are doing this across the country. My complaint is as follows. I had my home mortgage modified in XXXX of this year. All parties To my understanding I was told all delinquent fees and payments in arrears will be placed on back of the loan and yes I signed the new documents. The problem is Carrington Mortgage Services ( A collection Agency for XXXX XXXX XXXX ) has informed me there are fees associated with the modification AFTER the modification. Which is illegal.They can not do this. If there are any fees this should have been discussed with all parties before the signing. This is a binding contact. I DO NOT KNOW WHAT FEES ARE BEING ASSESSED OR THE AMOUNT OR WHAT THE FEES ARE FOR.I was told these fees may be for legal fees and reinstatement fees. But I have not received any documentation of determined the amount after all parties have signed. I have informed them I will be making the XX/XX/18 payment in the month of XXXX and the XXXX payment. My regular payment is {$1300.00}. I have just receive a Notice of intent to Foreclosure in 35 days .If I do not send them the delinquency they say I owe of {$3400.00} which is attached to this complaint. which includes the late 1 time late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Credit Corp for Credit Corps failure to provide requested information for the debt alleged. Credit Corp is reporting a dept that consumer does not recognize on consumers credit report. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
I applied for an FHA loan with XXXX XXXX. We corresponded via email regarding all items needed by the underwriter to approve the loan. On XX/XX/2018 at XXXX XXXX I received an email from the processor who advised that the closing department was working with the title company to get the final figures and then my closing disclosures would be sent for me to sign. I was advised to sign the documents once received because this would start my 3 day period for closing. I received my closing disclosures, signed and returned them the same day XX/XX/18. Then I woke this morning to an email from the processor with additional conditions to clear before closing. In the mortgage business I know that the closer only sends out closing documents after the underwriter has issued a clear to close. How is it possible for the Finance company to come back after the closer has sent the closing disclosures and request additional documentation? They advised me that their company has different procedures than other banks and mortgage companies. They need to be investigated. I feel they are misleading consumers and are causing me to miss a deal in which I have a binding contract with a seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat. 

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against LTD for LTDs failure to provide requested information for the debt alleged. On XX/XX/18 consumer received a demand letter from creditor, LTD. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
RE : UNAUTHORIZED INQUIRY I reviewed a copy of my credit report and XXXX  / XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/2017. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MNE Services, Inc
State: TX

Complaint narrative:
I paid off one loan from them in XXXX for a total of {$950.00} on a {$350.00} loan. At the time, a Mr. XXXX XXXX told me the loan was paid in full. Last week he contacted me again saying I have another loan over due, also for a settlement of {$1000.00}, on a loan of {$350.00}. I believe that is too much money. I can not pay any where near that amount. I have emails from this company if needed. I don't know how to send emails to you from them.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-15 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: I.C. System, Inc.
State: TX

Complaint narrative:
Requested written documentation with my original signature from collection agency by certified mail also informing them that they had 30 days to provide documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX C/O IC System Partial Account # XXXX They failed to do so and I submitted a second letter demanding they remove debt from 3 major credit bureaus because they failed to provide requested documentation. Approximately 10 days after the 30 days passed I received a letter from Collection agency with documentation that had a signature not belonging to me and another individuals name not belonging to me. All letter disputes were mailed to credit bureaus. XXXX XXXX did not remove debt but in turn sent me a letter stating the debt was valid. The letter XXXX XXXX mailed to me has incorrect middle initial in my name, which makes me think they have wrong information or incorrect spelling of my name on my credit report. Equifax requesting more information to identify myself. I would like to submit a complaint regarding the signature and validity of this debt not belonging to me.

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat. 

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.

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 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat.

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.

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 2018-10-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have requested Bank Of Americas remove late payment reporting ( XXXX, XXXX, XXXX and XXXX of XXXX ) on my credit history and after several discussions an reporting they refuse to. 

In XXXX of XXXX Bank of America merged a bank card I held with another person and which was closed with my personal credit card online account management system. When they did this it removed my current XXXX XXXX XXXX XXXX information which is what I had set up to do monthly recurring payments. This account was set up this way since XXXX and I had never had a problem since they did this merger - and with out my knowledge or approval. This merger also wiped out all my contact/email information which was how I received notification and statements on my account. 

In XX/XX/XXXX I went in and did a one time {$5000.00} payment to pay the balance in full. With out my knowledge it used the closed BOA account as the payment method instead of my XXXX XXXX account. I never received any notification that this happened or that the payment did not go through. 

They posted a late payment notice on my credit report and I called BOA immediately. Their technician agreed it was their fault and he corrected the situation with the online system and we re-set up my XXXX XXXX account information. They took off late payment fees and I then paid my account up to date. They also agreed to removed the XXXX late payment posting - which they never did. 

There after the same thing happened with their system and it kept trying to use the closed BOA account as the reoccurring payment. They then kept posting late payments to my report report and charging me late fees. 

Now they are saying it is my fault and responsibility. How can I be responsible for an online financial management system they manage and offer to their clients? They are diverting responsibility and now have put my financial future in jeopardy. 

I have reset up the recurring payments AGAIN with their tech which is $ XXXX/month. However they are still posting late payments because I am now at {$1200.00} in a minimum payment which I can not afford at this time. 

They have refused to work with me on any level and will not accept any responsibility for the technical disfunction in their online payment system. 

I am in the process of finding legal presentation on this matter but in the mean time I want to file and record this issue with CFPB. This process is quite unfair. They do research on themselves and then file a report saying its my fault that their system faulted.

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 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Today I learned that Seterus had started foreclosure on my home. I did not receive a phone or letter. 

I only found out by calling on a status of a payment that had not been credited to my account. 

I had paid this loan late but always made consistent payments. I sent in two payments in early XXXX, on XX/XX/XXXX, but the company returned them. 

I have until XX/XX/XXXX to bring the loan current. My concern is the failure to be notified. I did receive some mail from the company, but not an official notice telling me the property was in foreclosure. 

This is wrong. It doesn't matter what the company has done to help, or my loan is modified. It's just wrong, and it is not ethical.

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