vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seterus, Inc.
State: GA

Complaint narrative:
Your response to XXXX indicates that the {$2000.00} was for XXXX and XX/XX/2018 were delinquent! Claiming you did not receive my mortgage for those months. I mailed and faxed to your office in Oregon after receiving the threatening letter to pay {$2000.00} or my loan would accelerate? Of course, no one EVER received any faxes or mail forcing me to pay the {$2000.00}. I have attached my BANK proving AGAIN that XXXX and XX/XX/2018 mortgage were paid ACH! 

I want my {$2000.00} back! NOW this clearly indicates that the mortgage was paid in full {$1100.00} for XXXX and XXXX leaving my account OVER paid with money I borrowed and I want it ALL returned as it is not yours! 

This is not how professionals handle money! I have sent this also to Washington showing them that this account is paid and was paid in FULL when you threatened to accelerate my loan! An Audit on this account would show overpaid! The money you demanded ( that was not owed ) was paid by a cashiers check and I have proof it was cashed! 
IF I do not receive in full I will take this further since nothing is happening this route. 

XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Have contacted Navient since XX/XX/19 to request form be endorsed for EDRP for my XXXX employer to repay my student loans. Receieve only automated correspondance via email. Have uploaded form twice. Was then told to call us dept of education who after calling and emailing with them referred me back to navient. Also, navient has made me fill out the income based repayment plan app in XXXX and again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Schachter Portnoy, L.L.C.
State: NY

Complaint narrative:
On XXXX XXXX  of this year, I was served a Summons and Complaint from Schachter Portnoy, LLC, regarding a debt I owed their client, XXXX XXXX XXXX, XXXX. Prior to this, I received no communication, either via phone, or letter, that they purchased the debt from XXXX XXXX  ( formerly XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On XX/XX/18 I called XXXX XXXX XXXX XXXX XXXX XXXX   at XXXX XXXX XXXX concerning a previous medical debt. I had not received ANY statements from XXXX  and wanted to know what the status was. I spoke to XXXX, Supervisor and asked about the debt. She said I owed money. I told her I never received statement and wanted verification of the debt. She replied that since I called that showed I was aware of the debt. She said I needed to pay in full and if I didn't they would report me. I told her that I hadn't heard from them in months and now I have to pay in full for a debt I'm not fully aware of? Our conversation became heated. I said that I would pay the debt in full right now. XXXX refused to accept payment. I had to call later that day. I spoke to XXXX. She accepted payment in full for {$99.00}. I received a letter from XXXX noting the recent payment but for the wrong amount. The amount I paid is {$99.00}. The letter reads {$40.00}. This account has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My home was in escrow to a company purchasing my home on XXXX XX/XX/XXXX. I called both mortgage company and their lawyers before the sale on XXXX XX/XX/XXXX. When I called the mortgage company they told me to call their lawyers and vice-versa while I was trying to get help. My documentation of escrow and purchase agreement states they were signed between XXXX XX/XX/XXXX. It is set to sell for {$140000.00}. Plenty to pay off debt. I received an email about two weeks after I tried to get help from the mortgage company lawyers. In that time the sale of my home to the company continued to proceed.

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 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As of XX/XX/19 Bank of America is holding {$970000.00} is escrow after an insurance loss. I only owe {$970000.00} on the underlying mortgage and have been making regular loan payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
My monthly house payment with I believe, 4 or 5 mortgage companies so far, was {$1200.00}. I always have the mortgage company " draw '' the funds from my bank. I have never been late on a house payment in nearly 20 years!! 

On XX/XX/2018 Freedom Mortgage sent me a check returning " excess escrow '' funds in the amount of {$180.00}. I immediately returned their " unendorsed '' check to Freedom Mortgage, explaining I will ALWAYS return excess escrow amounts back to my Escrow account so my house payment does NOT increase. They returned the unsigned return of escrow funds check, saying I had to endorse the check. I endorsed the check and paid the extra to be able to track the check, as it was endorsed making it negotiable. Freedom Mortgage increased my XXXX payment by 9 cents. I wrote and asked why the increase when they have an excess of funds and they sent me an unsigned letter saying they would research. I never actually received an explanation. Then, I received another return of Escrow funds check dated XX/XX/2018 in the amount of {$160.00}, and a statement telling me they were increasing my monthly payment to {$1200.00}. Please understand, I phoned on each of these checks and was NOT given any explanation other than I had too much money in my escrow account. I was NEVER allowed to speak to a Supervisor or Escrow Account Employee. I again returned the check, of course " signed '' and track-able with another letter stating I will ALWAYS return excess escrow. The next letter I received was again UNSIGNED stating they would research my concerns. I am a XXXX XXXX, retired, fixed income. home owner. Every penny counts in my life. I have recently had a number of unexpected costs as well as expensive health issues. I am being unfairly treated by a company that does not even sign letters or give me anyone to speak with regarding their unfathomable, explanations. Their increase of {$3.00}, totals in a year, {$40.00}. The last excess escrow funds check I returned was in the amount of {$160.00}. In my life, especially now, every penny of my monthly expenses affects how I am able to live my life. Please help. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I mailed a certified letter to the company Exeter Fin to remove 3 unauthorized inquiries on my credit report. 

XX/XX/XXXX I then filed a CFPB complaint XXXX. On the company to further address the issues with a proper response. 

On XX/XX/XXXX Exeter Fin responseded stating in every sense of the word that they was giving approval from additional companies to submit a inquiry on my report ... .. however the response from Exeter Fin is unacceptable because this company has yet to provide that approval or application of consent that was giving to these so called companies they referenced.

I demand that Exeter Fin to make it very simple and locate any type or form of consent giving by me to them or any company seeking financial assistance. 

If you can not provide this simple document then you must delete this inquiry. 

Please feel free to upload any documentation to prove the accuracy of this inquiry on the CFPB website for us all to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I closed out my XXXX XXXX account in XXXX and I forgot to return the equipment back to XXXX in XXXX. I came to the XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XX/XX/XXXX to return the modem back to XXXX. The XXXX returned it on XX/XX/XXXX. However, XXXX and collection company stated that they have not received the item that I returned. I called XXXX more than 10 times and they were positive that the item was returned, and XXXX received it. 
XXXX  and collection company have placed a collection in my credit report just in XX/XX/XXXX. This is wrong because I have returned the modem as promised. The XXXX employee at this location can verify that he returned the equipment back to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I've recently filed a fraud complaint with Navy Federal Credit union for the amount of {$500.00} and some change. Not even a day later, they deny it and let me know i'm responsible for the full amount when I didn't authorize ANY of these transactions. I've also reached out to them twice online, and once in branch to block a transaction that keeps trying to pull {$100.00} out of my account EVERY SINGLE PAYCHECK. The fact that Navy Federal isn't allowing me to block a company that continues to pull {$100.00} out every paycheck is alarming. The second fact that Navy Federal isn't thoroughly assisting members with their fraud reports is another alarming thing. This bank has grown to hit me with SHADY tactics since my bankruptcy has been discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contact chase bank to do a balance transfer to pay off my other credit cards and they are unable to do so and they told me that the promo is discontinued on XX/XX/XXXX and I have to wait for long time do so and Im little behind on my other credit cards bills and I would need to do a few smaller transfers and I will pay the interest along with it and chase refused to honor my request

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Dynamic Recovery Solutions is attempting to recover a debt of {$790.00} that is not mine. I have never had a contract or account with them. 
Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX XXXX XXXX. I'm not familiar with them either. 

If I have no written contract with Dynamic Recovery why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. 

I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation.

I have sent a letter directly to Dynamic disputing these charges and account a week ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
I received a letter from the company named Patenaude and Felix, A.P.C. stating that I have to pay off an account that for {$260.00} when the account has already been closed. In the achieve I will be enclosing the following documents. One, the letter from Credit Monitoring ( showing proof that the account was closed ) and the letter from the following company I have mentioned earlier. I don't know these lawyers and I would appreciate it greatly if you looked into the matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: NV

Complaint narrative:
XX/XX/XXXX I received a letter from this company stating I received services from " XXXX XXXX  XXXX XXXX '' on XX/XX/XXXX with two service charges of {$890.00} for that date, and XXXX for {$890.00} with a total balance due of {$2600.00}. 

This is completely frivolous and I am tired of going back and forth with collection agency after collection agency regarding this medical collection account. 

To begin with, WHAT SERVICES WERE RECEIVED? I WOULD LIKE TO BE PROVIDED THIS CONTRACTUAL AGREEMENT BETWEEN ME AND THIS COMPANY SHOWING MY SIGNATURE IN AGREEMENT TO WHAT SERVICES WERE RECEIVED. I AM DUE THIS ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 623 B. 

Stop connecting these medical accounts to me. I have not been to a hospital to receive any medical services and your inability to provide an original consumer signed contractual agreement showing services received and bearing my signature on it, proves that! Further reporting without producing this document will put you in FULL VIOLATION of The Fair Credit Reporting Act! LEAVE ME ALONE!! 

Be aware that a printout of a bill or itemized document does not constitute verification. I am once and for all requesting a copy of any documents, bearing my signature, showing that i have a legally binding contractual obligation to pay them the alleged amount. Should you choose to not comply of federal laws under the Fair Debt collection practices act, the Fair Credit reporting act, and the corresponding local state laws, I further remind you that you may be liable for your willful non compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking {$1000.00} in damages per violation for defamation, negligent enablement of identity fraud, violation of the fair debt collection practices act ( including but not limited to section 807-8 ), violation of the fair credit reporting act ( included but not limited to section 623-b ) you will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 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: TX

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: OH

Complaint narrative:
I get SSI and my deposits are made to a XXXX XXXX XXXX. This morning I went to check my account and I could not access my card. Upon calling I could not access anything. After four hours I was finally able to talk to someone who said I would need to talk to a Level 2 Fraud person with XXXX XXXX. Upon trying to transfer I was disconnected. Then 2 hours later I got another representative and she was finally able to determine that I am infact ME by previous withdrawal information. I was then told by her that on XX/XX/29 someone in XXXX Florida pretending to be me had called in with all my information and had XXXX XXXX issue a new Card and it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. She the rep with XXXX supplied this information to me. I asked her I had recently moved from XXXX to XXXX in XXXX did they have XXXX as my previous address she said that was not what they had on file. She waited for nearly 45 minutes so they could transfer me to the FRAUD Division with XXXX XXXX who told me I would be issued a new card however it would take 45 to 90 days before a refund and this CLAIM could be investigated. They said it was my fault because I must have leaked my personal information. My old card has been in my wallet since last month and no one has access to this. I had to file a police report which I did with XXXX OHIO Police Department Lt. XXXX, I put a Fraud Alert on my accounts with XXXX   and XXXX XXXX like As soon as I knew what had happened. I also contacted Social Security and will be going there on Tuesday I filed a formal complaint with Social Security through there XXXX number Fraud XXXX XXXX said they would not be refunding my SSI money I would have to pay XXXX fee for a new card. I read online today that XXXX XXXX had posted an article about Comerica Bank and the Breach of Public information of Clients and how it had affected a lot of veterans back in XXXX, https :  XXXX XXXX XXXX again wants me to send my personal information plus a police report to XXXX XXXX Texas . The same Texas that was posted in XXXX XXXX that they supposedly closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seterus, Inc.
State: GA

Complaint narrative:
The below paragraph from you Seterus, Inc. from the response of the complaint XXXX The amount disclosed on the Notice of Intent to Foreclose consisted of the XX/XX/XXXX, and XX/XX/XXXX, contractual installments each in the amount of {$1100.00} minus the funds in suspense on XX/XX/XXXX, in the amount of {$210.00} which equals the amount of {$2000.00} disclosed on the notice. As of the date of this letter, the loan is contractually delinquent for XX/XX/XXXX, installment in the amount of {$1100.00}. 

I have attached XXXX and XX/XX/XXXX Bank statements proving AGAIN I did not owe Seterus , Inc . The mortgage payments were transferred by ACH. These complaints are not about the XX/XX/XXXX mortgage that is not paid. This is about returning my money overpaid to Seterus back in XX/XX/XXXX. My bank statements are proof that I was paid to date! I am NOT going to continue to send bank statements to prove to Seterus I am paid. I do this with no one I pay! POST your ACH payments when paid and I want my money returned for the XX/XX/XXXX cashiers check for {$2000.00}. You are not going to keep 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 2019-02-02 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:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation