vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: MiraMed Revenue Group LLC
State: MT

Complaint narrative:
Received a statement from XXXX XXXX XXXX regarding a legitimate debt for XXXX services on XXXX/XXXX/XXXX. This will be paid in full before XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX at XXXX they called. This is outside of the time frame allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Not long ago this collection agency placed a collection on my credit report. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XX/X/2017 requesting validation ( please see attached ) and they responded in a letter stating that they had researched and the debt is valid. What kind of response is that? The fact is, I have never had an account with a company called XXXX. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a US citizen, 2 ) I am a veteran of our military, 3 ) I am a XXXX XXXX XXXX and lastly 4 ) They will NOT get away with this. They have chosen the wrong one to play games with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My issue with my home mortgage with JP Morgan Chase began when during the fiscal crisis we became victims of unfair and unethical business practice by JPMorgan Chase in the Loan Modification of our Mortgage. 
This has been documented in the various complaints filed with the CFPB - and too many delayed responses by this unethical company. The indifference and or incompetence at best in the handling of our most important asset and worse : lack of good faith, attempts to deceive and mislead in providing full disclosure and intentional lying or racketeering to foreclose on our home. When this was not possible, we believe there was a carefully camouflaged and highly questionable plan that resulted in excessive fees during the Loan Modification process. 
Furthermore we have patiently tried to resolve these issues amicably with Chase to to no avail. Their response was to stonewall our efforts to get non-proprietary information they said was readily available on our request. What JP Morgan Chase has excelled in is the ability to use the services of their legal team to take the art of 'stonewalling ' to a higher level. 
Imagine dealing with over 24 people in their system and each one falling all over each other not understanding, not knowing, do not have the answer, have nothing on file..who told you your house was being foreclosed on..we have nothing that says that..and so on and so on. 
I have to remind them once again that the XXXX uprising started with one man and a scale. Give up from this ruthless company - I will never. 
I want to thank the CFPB for making sure that my complaint and grievance always get a response from this unethical company -. Yes, they did offer a measly {$15000.00}. for me to go away, but of course that will not happen. I know the new changes taking place within your organization and I do wish everyone the best of everything, and just hope the poor consumer like me will still have a voice. 
JPMorgan Chase I will deal with on my own terms. I do not allow anyone to rip me off, lie about it, frustrate me, try to break me with their series of legal sharks. Each day I wake up with a social media platform with an audience of over 10,000,000. I am sure my years in publishing will be put to good use. I just wish everyone the very best and to say thanks for keeping JPMorgan Chase and XXXX XXXX on notice. Always remember the fish stinks from the head down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
To Whom It May Concern, On XXXX I discussed payment options with XXXX @ XXXX XXXX, XXXX XXXX and XXXX XXXX Collections. @ XXXX XXXX I discovered that there were no options to have a lower rate on my private ( signature ) loans. I had been laid off since for about two months and had Fed loans in IDR for one set and the other in {$0.00} payment for one year. 

The amount that I owed was {$190.00}. 

I called back on XX/XX/XXXX @ XXXX XXXX XXXX {$190.00} was paid. confirmation # XXXX. 

I received a call from XXXX XXXX XXXX from 30 day collections department who advised that XXXX applied my payment to a fed loan by mistake. 
XXXX @ XXXX XXXX I then spoke with XXXX XXXX from the servicing department who advised she would Reapply the XXXX to the private loans. She advised the correctio will finish XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CT

Complaint narrative:
I am two payments behind on a mortgage on a 3 family house, but have otherwise been paying.

Seterus ' representative was taking pictures of my house and actively engaged my tenants in conversation. They willfully lied to my tenants telling them they should get out immediately because the house was being foreclosed upon ( not true ).

Seterus is NOT helping mortgage customers, but actively CAUSING financial hardship and foreclosure by encouraging my paying tenants to leave - by LYING to them!

Loan sharks have more subtle methods.

Their tactics are totally ILLEGAL. 

They need to be fined. 

Insane!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bass & Associates, P.C., Attorneys at Law
State: CA

Complaint narrative:
I, XXXX XXXX was contacted by letter from Bass & Associates. The letter was address to the Estate of XXXX XXXX. Now prior to this, I had been receiving treating phone call recordings from a debt collector on my cell phone but discarded as scams and blocked them each time from my cell or at times I did call back with no result. Now, once I received this letter I right away called this cooperation. I gave my name only and she confirmed with me that I was alive. I said yes, and wanted to confirm they were talking about me, due the fact that my mother and I have the same name. She stated this is a current debt and its with XXXX XXXX not XXXX XXXX ( my maiden name ). She started to ask me to confirm my social security and that I did not have to. I said, you should have this information. You sent me this letter. I asked her can you please tell me the debt so I confirm this is my debt or not. She said no ... But that she will forward the information to there client that I have not passed. And that they can continue with collection with this debt. That I will here from them. 
I feel as a consumer I have no where to go ... and no one to contact. I receive no collection notices, no bills, and yet this letter comes to my home, stressing my out, and now I have no idea what or who I owe money to. And this Bass & Associates will not tell either. How am I to solve this issue if no one will tell about it. Or contact me in a formal way.. these people are sending a letter of stating I am dead. How will this affect my credit, my future status, I am upset and stressed over this. 
Please Can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I DID NOT AUTHORIZE YOUR COMPANY TO RUN MY CREDIT ON XXXX XXXX.2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Several months ago, I filed disputes for several charges on my XXXX XXXX credit card for the following companies : XXXX for {$1300.00} and XXXX XXXX for {$1000.00}. After the last time I contacted your agency, XXXX XXXX opened the disputes and provided provisional credit to my account. I would like someone to communicate the status of my disputes transactions with XXXX and XXXX XXXX. I would like to know the status on these refunds and when can we expect a resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GMA Investments, LLC
State: OR

Complaint narrative:
On XXXX/XXXX/XXXX, regarding a debt for a " Total Rewards XXXX '', XXXX XXXX employee " XXXX '' contacted a third party and disclosed multiple pieces of my private information. They contacted my father, who in turn contacted me. They told him my birthday, social security number, address, and claimed to him that I owed {$460.00}. This is an absolute violation of the law and I am disgusted that they would bother my family members, and angry that they have given my information to a third party. It is either they gave my private information to a third party unknowingly, or they purposely contacted my family members about a supposed debt.The FDCPA absolutely prohibits such behavior. 

They contacted my father at telephone number : XXXX. He is XXXX XXXX XXXX and lives 3000 miles away from me. He is not a co-signer on any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently was offered a product by paypal a line of credit which isnt a line of credit. The line of credit is only advanced when paypal feels it should be

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This " compamy '' Rent Recovery Solutions is trying to collect a debt on an apartment that has gone out of business, I made the necessary agreements with the apartment before i moved to close out my payments because my mother passed away and I had to move out, so they honored my situation. Fast forward and this place is still harassing me trying to get a payment as well as reporting false information on my credit report for a business no longer around

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
XXXX XXXXXXXX XXXX is the company that this complaint is concerning. We have had this mortgage with XXXX XXXX XXXX since GMAC went bankrupt and sold the mortgage off to them. At the time OCWEN took over the mortgage they said there would be a ( balloon ) or deferred payment at the end of the mortgage or it would disappear after time if we make every payment and pay it on time. We have done this faithfully without missing or being late on any payment. Still the deferred payment exist and this is causing us problems with getting our house refinanced as we wish to do. Is n't there some way of making this deferred payment go away as OCWEN stated that they would do? And also there is a matter of XXXX XXXXXXXX XXXX increasing the Interest on our mortgage every so often and not giving us notice of any kind that they were going to do this. This has happened at least three times, if not more. Is this legal or should we be given the right to be notified when such a thing like this is going to happen?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Not long ago this company placed a charge off on my credit reports. I disputed the debt with the credit bureaus and it came back " verified ''. I then sent this company a letter on XXXX/XXXX/XXXX requesting validation ( please see attached ) and they responded in a letter stating that they did n't have enough information to investigate my dispute ( please see attached ). My 3 page letter to them was very, very clear. They are just stalling. It 's as if they did n't read my letter. The fact is, I have never had an account with this company. Do they think because I am XXXX that they can do this? Do they think I 'm XXXX or something. Here are the other facts ; 1 ) I am a XXXX citizen, 2 ) I am a veteran of our military, 3 ) I am a lXXXX XXXX XXXX and lastly XXXX ) They will NOT get away with this. They have chosen the wrong one to play games with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My wife and I have been negatively impacted significantly by XXXX bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called XXXX to dispute these reports, however they stated that they do n't discuss these issues with their customers.

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax still has n't updated my file even after XXXX XXXX XXXX XXXX has reported to them that the debt has been paid. They sent me a letter stating that the balance has bee paid. Requesting you help since I 'm approved to purchase a home through a lender which is effecting my score. 
The account number is XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent in disputes to Equifax on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It XXXX Concern, On XXXX XXXX I sent {$500.00} from my Citibank account to another Citibank account holder through their XXXX funds transfer service. The amount was debited from my account on XXXX XXXX, but the funds were never received by the receiving party. The XXXX transaction shows on Citibank as failed, but the {$500.00} was not returned to my account nor was it credited to the recipient. 

On XXXX XXXX I contacted Citibank via their website chat. At that point, I was told that an investigator was being assigned to look into it and would give me a call. Later that day, I received a call from the Citibank fraud department where I was told that I could not file a claim until 10 calendar days from the date I sent the transaction, as that was how long it would take XXXX to return the money. 

On XXXX XXXX, along with the receiving party, I contacted Citibank and was told that the {$500.00} should be returned to me later that week. 

On XXXX XXXX, I again contacted Citibank. This time I was told that a claim should have been filed immediately, in direct contradiction to the claim made by Citibank 's fraud department on XXXX XXXX. In attempting to file a claim with them at this point, I was told a claim had been filed on the XXXX, and I should get the money back into my account 10 days from that date. 

On XXXX XXXX, after still not having my money returned, I reached out to Citibank. After having my competence insulted by the initial customer support representative, I spoke to a supervisor. The supervisor claimed that he would expedite my request and that Citibank should be in contact with me today XXXX XXXX XXXX ). That has not happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: VT

Complaint narrative:
I recently reviewed my Experian credit report and observed that hard hit inquiries that were disputed & removed were re-inserted into my Credit Report by Experian. I have a copy of a written response from Experian advising me that they were removed as a result of my dispute. Experian NEVER advised me that these items were going to be re-inserted into my credit report ( 5 days after ) as required by Federal Law. Experian is in violation of the Fair Credit Reporting Act 15 USC 611 ( a ) ( 5 ) ( b ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: CA

Complaint narrative:
There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. Equifax has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from Equifax that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that Equifax had put it back on I immediately contacted Equifax. I was not able to get anyone on the phone and disputed the error via the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: AR

Complaint narrative:
Afni calls about 10 - 15 times per day. They have contacted everyone I ever called from an XXXX cell phone SEVEN years ago stating Im at risk of imprisonment from falsely using XXXX and they need me to contact them. This is unacceptable. I DO NOT owe XXXX money

Company response to consumer: Closed with explanation