vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This loan services fraudulently and keep my escrow refund for almost 4 months now, for {$910.00}, and they removed the {$94.00} out of my total escrow refund, since 4 months, they told me, that they will overnight it, and until now I did not received it, they should increase the money Im inspecting, there Cash department, had some fraudulently practices as well and they never do there jobs, this institution should be investigated, they are using my money, and fraudulently hold my escow refund, there supervisors did there part, but the manager did not do any action of this matter, they never called, me I Know that you are helping a lot of consumer, and I hope that they will be investigated, for fraud practices, delaying the refund, then used to there account. For four months i spoke to ID XXXX, XXXX, XXXX, XXXX, XXXX, and the answered are all the same overnight, and its four months now, I never received the escrow refund, and, there practices is hold my refunds, and used and invest to there other 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 2017-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Integrated Recovery Services
State: ID

Complaint narrative:
I have been contacted by this company before. The most recent was XX/XX/17 at XXXX. They do not identify themselves when they call, but they do threaten to have me arrested and they have started calling my family members. In XXXX, I was contacted by them and had spoken to a gentlemen, who again, did not identify himself and he was very aggressive and abusive.I had told him I was working it out on my own. They had my social security number and access to my loan information. I have blocked the calls to my number but they are still leaving voice mails. I do not wish to respond to this organization because I do not wish to have my identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.

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 2017-12-15 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am having discover credit card for years now. 
During last 3 months - I am facing very strange issue. Any time when I am using my work laptop to access Discover card account and use the Discover deals - Discover thinks that I am accessing my account outside of USA which is incorrect. I am very much in XXXX XXXX. No other website is thinking that i am outside of USA. 
Even " XXXX XXXX XXXX '' states that my IP Address : XXXX Due to the above and certain other issues - I am not sure whether I will be getting 5 % cash back on XXXX deal that i placed the order using my Discover card. I have been following up with Discover but not getting any serious response from them. 

Another issue - Secure message center does n't allow sending the attachments otherwise Discover customer service can see all the screen shots Infact this wrong location of Customer is impacting other Discover customers also that I am aware of. My wife and my friend also. But discover is simply in the denial mode. I had recently relocated from XXXX XXXX to XXXX XXXX  during XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: POLARIS HOME FUNDING CORP
State: OH

Complaint narrative:
I was recommended to XXXX XXXX Funding for a XXXX XXXX FHA loan. When I visited another lender to look at refinancing options they noticed an excessive loan origination fee. The new lender showed me near the bottom of the closing cost page that the original lender XXXX XXXX XXXX had charged me so much that they had to credit me {$2300.00} because they were already over the legal limit. I questioned my loan originator about the amount and was told this is typical for this type of loan. I was told from multiple other companies this was an example of predatory lending and it gives the industry a very poor reputation. XXXX XXXX was my loan originator with XXXX XXXX funding NMLS # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: NJ

Complaint narrative:
Complaint about Navient. After finishing my PhD in XXXX, I entered repayment of my federal student loans this fall. Since I entered repayment, Navient has been unable to tell me how much my monthly payment are from month to month. Moreover, their online system changes the amount I owe day to day. It has also been incredibly difficult to sign up for autopay. Their customer service representatives are entirely uninformed. My payment is due on the XXXX of the month. Because the amount fluctuates on their online system, I have taken to log-ing in on the XXXX to see what I owe in the hopes that since it 's the due date, it will give me the correct amount. However, for the past several months, I have paid, on-time, the amount the system says I owe, only to receive an email the next day saying that I missed a portion of my payment. But if the system ca n't even tell me what I owe and how to pay it, then how can I miss a payment? I have spoke to a representative every single month. They tell me they have it sorted out and tell me what to do the following month. But when I do what they say, is still is n't right! I still have no idea what I owe and how to pay it! And when I pay what I think I owe, based on what their online system says, the next day I find out it was wrong and that the system says I have a past due amount and that I 'm a delinquent repayer!!!! I am just so frustrated. I am doing my best to pay my loans back on-time. I have a job, a good income, and a PhD. I can pay my monthly loan payment -- I just need to know what it is and know how to pay it on Navient 's terrible terrible website. If I ca n't sort it out, then I can only imagine that other folks are having an even harder time. Please do something about Navient. Before the restructuring of the student loan industry, I used to pay my loans to XXXX XXXX? In any case, the system they used then was more straightforward. I never had the problems I am having now -- which also includes an inability to change my repayment plan. It wo n't let me select the plan I want, but rather ushers me into specific options. Despite doing my absolute best to pay my loans on time, every month, Navient seems structurally organized to confuse and disorder the payback process. Either from ignorance or from willful dishonest practices, they have acted in ways that make me concerned about their ability to handle my federal student loan and that make me worried that they are intentionally trying to mess up my payments so that they appear late each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX of XXXX i went to apply for a mortgage and i discovered that i was a victim of Identity theft. I immediately filed a police report and fraud affidavit and sent copies to all 3 credit bureaus. All the accounts were removed from my credit reports. A few months ago i checked my XXXX  report and found out that Bank of America had put the account back on only my XXXX credit report. It is not back on XXXX or XXXX I never received any letters from them or XXXX letting me know that the account was going to be re-inserted on my credit or the reason why it was added. ( violation of the FCRA ). I have sent 2 dispute letters to XXXX and some how they continue to " verify '' the account is accurate. I am done dealing with these agencies and their illegal activities. This account needs to be removed immediately or i am filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a letter dated XX/XX/XXXX on XX/XX/XXXX from XXXX XXXX XXXX , XXXX that stated " On XX/XX/XXXX, your XXXX XXXX XXXX XXXX account was sold to XXXX XXXX XXXX, which is now the sole owner of this debt. XXXX XXXX XXXX , XXXX ( " MCM '' ), a debt collection company, will be collecting on and servicing your account on behalf of XXXX XXXX XXXX. Your current balance is {$1900.00}. '' I received a phone call from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 5 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 14 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received 15 phone calls from XXXX XXXX XXXX , XXXX on XX/XX/XXXX. 
I received numerous phone calls from XXXX XXXX XXXX , XXXX between XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX I was told that I now owed {$3000.00} and I if did n't pay it they would send the cops to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I filed an earlier complaint regarding the collection practices of a third party organization assigned by Citi Bank. Citi Bank did not respond with validation of the alleged debt being collected on. Checks were sent via postal mail years ago to satisfy the outstanding balance on the credit card account I had with Citi Bank. I had been under the impression the matter was resolved many years ago. Citi Bank instead replied with NO documentation : no canceled checks, no financial ledger, no account statements reflecting the alleged outstanding debt, etc. I 've been the victim of financial fraud in the past and am leery of the absence of proper documentation as well as illegal collections practices Citi Bank has participated in over the years. 

I would like for Citi Bank to halt possibly predatory collections practices on alleged debt, debt that there has been no documentation provided to validate. 

I would like for Citi Bank to provide proof that the money paid to satisfy the balance on my credit card account held with them circa 2007 was simply not noted on the wrong account. 

I would like for Citi Bank to provide statements for that card account mailed to me reflecting an unpaid balance.

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 2017-12-15 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: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.

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 2017-12-15 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: MA

Complaint narrative:
There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX called repeatedly, 7 days a week, from XXXX XXXX - XXXX XXXX, they block their phone number. Ive received over 30 calls from them in one day. Ive had a voicemail from them left after calling from an anonymous number threatening me and telling me that myself or my attorney must contact them today or she would be forced to place action against me that would impact me directly. I feel threatened by the company. Her return phone she left on the voicemail is XXXX ext XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arnold Scott Harris, P.C.
State: GA

Complaint narrative:
1. Medical expenses incurred when a driver XXXX XXXX as a pedestrian while visiting XXXX. 
2. Ambulance bill went into default while waiting for Driver 's Insurance, which had responsibility for payment, to complete payment. 
3. Bill paid on XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX XXXX XXXX repeatedly called to collect payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Each time I told them the payment had been made. 
5. On XX/XX/XXXXXX/XX/XXXXin a phone conversation with the Debt Collectors, the put me on hold to verify that the payment had been made. The woman then informed me that indeed the payment was cleared and they would no longer call me. 
6. OnXX/XX/XXXX, they called again asking for the money and claimed that they can not verify if the money has been paid. They insisted that I send them, via mail, proof. 

They have no right to contact me. They do not keep accurate debt information. They refuse to stop harassing me or check if the debt was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points, causing great injury to my credit health and my immediate financial future as a consumer.

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 2017-12-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points,  causing great injury to my credit health and my immediate financial future as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points, causing great injury to my credit health and my immediate financial future as a consumer.

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 2017-12-15 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: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
I have been disputing for a while with the credit bureaus and Pinnacle Credit Services and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my XXXX credit files are still showing this account despite the multiple disputes.

Company response to consumer: Closed with explanation