vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received several credit alerts through credit monitoring that there was negative info being reported by XXXX. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.

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 2016-05-17 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had an XXXX card from XXXX. XXXX converted all their customers from XXXX to Barclays. Two weeks ago, I received an email from Barclays that my payment was approaching and asked me to schedule automatic payments, which I did. I scheduled auto pay to be paid the day before my billing period. When I went to check my account yesterday, it said my payment was part due and I was charged a fee. I called to find out what happened and they told me for autopay, the first payment does n't take place until after 30 days. they never informed me of this. In fact, in the auto pay confirmation email, there was no fine print and no information that stated that the payment would not go through until after 30 days. I have also had a similar problem with XXXX who canceled my autopay after 12 months without informing me then charged me a late fee, reduced my credit line and dinged my credit score. These credit card companies are finding loopholes to scam honest customers out of money by not informing them on their specifics behind auto pay.

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 2015-08-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I had a debt with a phone service which I paid thru XXXX. So I checked my credit report and it says that I still owe for that phone bill but now it 's says from diversified agency. How can I take off this XXXX debt from diversified?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
Back in XX/XX/XXXX, I joined XXXX ( XXXX ) and left for training. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to XXXX. A little over two years ago, back in XX/XX/XXXX, I started receiving the initial contact from XXXX. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by Diversified Consultants, Inc. about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
The mortgage lender, Pennymac Loan Services LLC has taken the following steps to ensure that they can file for foreclosure against me:1. They paid past due taxes on the property, to open up an escrow account and increase my mortgage. This was unnecessary, as the home was not under any tax lien, nor in danger of any tax liens with the city of XXXX, NJ. I was making payments quarterly to the city of XXXX. The city was aware that I was behind the taxes and only required me to pay a certain amount before the end of the year, to stay out of danger of a tax lien. I was ready to pay the requested tax amount to the city of XXXX, but the mortgage company intervened, requesting the past due tax in full or no payment at all. 

2. After paying the tax bill, that they did not need to pay, the lender opened an Escrow account, to cover the taxes. The lender subsequently increased my mortgage payments from {$1600.00} to {$3200.00} per month. 

3. The lender made the payment on the taxes on XXXX/XXXX/XX/XX/XXXX, but retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00} and retroactively increased the past due mortgage payment for the month of XXXX/XXXXXX/XX/XXXX from {$1600.00} to {$3200.00}. How can the mortgage owed for the month of XXXX/XXXX/XX/XX/XXXX and XXXX/XXXX/XX/XX/XXXX increase when the Escrow account was opened after these dates? What is to prevent the lender from retroactively increasing the mortgage payments for all the months of the entire year of XX/XX/XXXX or previous years? 

4. The payment that I sent to cover the XXXX/XXXX/XX/XX/XXXX and XXXX/XXXXXX/XX/XXXX was only applied to XXXX/XXXXXX/XX/XXXX. The mortgage lender increased the past due amount of XXXX/XXXX/XX/XX/XXXX from {$1600.00} to {$3200.00}, after I sent my payment. I did not sent enough to cover the new past due amount for XXXX/XXXXXX/XX/XXXX. Instead of applying a partial payment to XXXX/XXXX/XX/XX/XXXX the mortgage lender applied all the money left from my payment to the Escrow account, without my knowledge. By doing this the lender put me over XXXX days delinquent on the loan. 

5. It is now XXXX XXXX, XX/XX/XXXX and I have not received my statement for the month of XXXX XX/XX/XXXX The lender does not send mortgage statements in a timely manner. I fear if I make a payment for the incorrect amount, it will be applied to the Escrow account, instead of the mortgage, which will place me further behind on my mortgage payments. 

6. I am a XXXX, female, senior citizen and I believe the mortgage lender is targeting me because I am in a vulnerable position and I can not afford to defend myself against their predatory methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My student loans were transferred to Navient a few years ago and I have had 4 or 5 different payments every year-my interest rates are at 7.25 % and when I question them they say it 's because my credit is not so good-yet I know my credit and the scores are in the XXXX-XXXX ranges. I have been told by several people that Navient has done this to them too and it 's not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I accidently sent a {$1000.00}. payment to Chase - XXXX that was suppose to go to XXXX. At that time there was a XXXX balance on my acct. I called and spoke to someone on XX/XX/XXXX and they gave me grief about getting back the payment and said it would take XXXX days. I called on XX/XX/XXXX to check status if it being sent out and was told they sent out only {$930.00} of the {$1000.00}. over payment since there were XXXX small charges to the account on XX/XX/XXXX. My statement does not come out till the XXXX of each month, so I had n't even received my statement for Chase for the coming month. They have refused to send me my full balance of the {$1000.00}. that was accidently sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a problem with Chase.I submitted my complaint before that our mortgage monthly payment is about {$2700.00} and changed. Our interest has been 8.25 since with refinance by chase. We were told that after refinance mortgage our interest will be reduce after two years but that never happened. We almost lost our house about 3 years ago, but we did get help from homes saver. Despite that our home mortgage payment still high requested for payment reduction chase refused to help. Now we are 4 months behind we called chase submitted paper work we are still waiting no answer from Chase. I am still on unemployment list. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
BLITT and GAINES, P.C, in XXXX Illinois is trying to collect on a debt that was under XXXX XXXX XXXX or XXXX XXXX XXXX XXXX This debtor was notified that I had filed for bankruptcy by my attorney I have tried to contact BLITT and GAINES but always get disconnected and have now been served with a summons They are trying to sue for a debt that has been discharged by BANKRUPTCY XXXX XXXX XXXX was informed of my bankruptcy by my attorney and / or representative

Company response to consumer: Closed
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Hello, my issue is with XXXX companies that are under XXXX umbrella, Loancare a Division of XXXX, and XXXX. I submitted a complaint to The XXXX but it was later suggested that I submit XXXX to Loancare as well. My problem started in XX/XX/XXXX when I missed a payment. I paid in XX/XX/XXXX and then I quit paying all together in XX/XX/XXXX. I do n't have the exact dates of everything with me, but I submitted it all to the XXXX. I quit paying not because I did n't have the money, but because my XXXX and I was unable to make clear decisions on my own. In XX/XX/XXXX all of the past due balance was in my bank account, and I received a letter stating that I needed to call and make arrangements to pay the balance or my loan would go into foreclosure. I called within a week of receiving that letter and they told me that it had already gone into pre-foreclosure and that I had to wait for someone to contact me. We were then instructed that we should resume the payments as normal, but we had to physically send a check into the office, and we agreed to a Loan Modification. Everything was to remain " as is '' until I got the paperwork, and got it sent back, and then everything that was " late '' was supposed to be removed and fixed. We then started paying the payment out of my husbands account, and from XX/XX/XXXX until we sold the house XX/XX/XXXX there was never a payment missed. Loancare and XXXX are also both reporting at the same time during overlapping months which makes it look like I had two mortgage 's at the time. I also want to say that we went to buy a house through the VA in XX/XX/XXXX, and they were only reporting late payments through XX/XX/XXXX, so we were told to wait until XX/XX/XXXX so we had a year reported with no missed payments, and when we went back in XX/XX/XXXX they were then reporting the foreclosure. This only happened when I sent in my bank account history to show that I was making payments on time from the XX/XX/XXXX through the end of the loan. Either way what they are reporting as a Foreclosure was A loan modification and it should not be reported as foreclosure because no paperwork was filed with the court.

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 2016-10-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Falls Collection Service Inc.
State: IL

Complaint narrative:
Upon receiving an alert that there was a collection that was added to my credit report, I discovered that Falls Collection has placed an account without informing me that they had purchased an account, and without giving me a chance to dispute the debt. They were sneaky and deceptive and broke the law by not notifying me about XXXX different accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have requested that previously DISMISSED CH XXXX filings be removed off my credit report due to the age of the records. The filing dates are over 7 years old and the clock starts ticking from the date of filing not the date of the discharge or dismissal. The Trustee 's office stated the same to me and suggested that I file a correction through the XXXX reporting credit agencies. 

I am currently in a CH XXXX and will be successfully discharged in XXXX/XX/XX/2017. I am trying to clean up my credit report before I get the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I completed my business with Paypal by paying off the balance of the account to a XXXX. I have a screenshot of the payment from the website. 2 days later additional charges were applied to the account. I called and was told a cease and dissist was placed on the account and Paypal refused to discuss the fraudulent balance applied to my account 2 days after being paid in full. I have been threatened by the CSR about sending this to collections and " ruining my credit ''. I find these threats to be disturbing since the account was paid off and these charges were added to the account after a XXXX balance was obtained by payoff on XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Hi My name is XXXX. I am a XXXX year old senior citizen who has been trying to get help from lender to with hope that I am able to stay in my home for the last few years I am here on earth. This issue has gotten so bad with my lender trying to take my house that my niece and her family more in with me and reach out to get me help from a third party.

At the time I hired the third party I had a sales date or XX/XX/XXXX 2017, they submitted an application on my behalf to my lender XX/XX/XXXX 2017 at which time I was sent a letter stating they had received my file, there was a second letter sent on the same day, saying my only option was to reinstate my loan or cash for keys. They told my third party that my file would not be review after it was received because of the sales date on my property of XX/XX/XXXX17. I live in New Jersey so I was able to get a 30 day postponement from the sheriff's department which give my lender the time they need to review my file. My sales date has been extended to XX/XX/XXXX 2017. My third party called XX/XX/XXXX17 to follow up on the status of my loan modification and my servicer said they were not able to review my file because of a 37 day rule set by the Consumer Financial Protection Bureau. Please remember they have had my application since XX/XX/XXXX 2017, over 37 days now. 
My servicer said they sent me a letter on XX/XX/2017 saying they reviewed me for all options and the only option available to me is cash for keys because of your 37 day rule. Please help me! Don't let them steal my home.
 Thank you 
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 2017-01-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for the American Express Platinum Card XX/XX/2016. AmEx automatically enrolled me in their Travel Insurance Program without my ever signing up for it. AmEx then charged me {$19.00} when I bought a flight ticket from XXXX XXXX. When I saw the charge I disputed it and asked for a complete refund as I had never signed up for this insurance. However AmEx refuses to refund it and is making me run from pillar to post. I have already disputed it three times with AmEx and chatted with their customer service reps. They keep passing the buck to someone else and waste my time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I took my niece to an XXXX when they came to visit in XX/XX/2014. I provided her insurance information but to my surprise, I got a collection letter stating that my insurance, XXXX, refused to cover the cost. I called XXXX and explained that XXXX would not pay because my niece was not covered under my military insurance. I supplied her insurance information AGAIN and thought it was all taken care of. A few weeks later, I started getting embarrassing calls from Transworld Systems Inc., basically accusing me of refusing to pay my debt ( a debt that 's clearly not mine ). At some point, I asked them to stop calling me, then they started mailing me collection letters. I have called them several times, provided my sister 's insurance info, she too has called them but for some XXXX reason, they refused to even listen to her, insisting I am the one that owes them. I have filed a complaint with XXXX credit reporting companies and to this day, the debt is still showing on my credit report. My sister called her insurance and they told her that because the medical center failed to do their due diligence and put in the paperwork, they could not pay the insurance, understandably so, since they chose to bill XXXX rather than the appropriate insurance company. The Medical Center had my insurance info on file because I had used them a few times in the past. I think it 's a bad practice to bill the wrong person/insurance and then refuse to correct their mistake. I am a service member, retiring soon from the military on XXXX, the last thing I want is to carry a bad debt and bad credit reporting into my unknown future, especially when the debt is not even mine. Please kindly assist in this matter. I need them to remove this debt from my credit report and completely remove it from XX/XX/2014 when they started reporting it. Thanks a lot for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
a company called citgroup credit services, a third party to citi is responding weirdly ... 

i have requested of them since 2009 a copy of their agreement between themselves citigroup credit services and their trustee XXXX and the owner of the debt as per their agreement that they would accept XXXX as noted in their letterthey have never provided such an agreement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
I had rented car from XXXX @ the XXXX around XXXX on XX/XX/2016 and had returned around XXXX on XX/XX/2016, after filling gas at the XXXX gas station in XXXX just before returning the car ( I submitted the gas station charge as one of the proofs ). I then went to the front desk requesting that the charges be split between XXXX of my XXXX cards ( because I had promotional offers on XXXX cards ) but the woman there was rude ( they should have a recording of that in their security camera ) and said go call the customer service regarding that. So I spoke with customer service around XXXX ( they should have a recording of that as they do it for " quality '' and training purposes ) while on XXXX to the terminal, as I had a flight to catch after checking in my bags. However I was advised to go speak to the personnel at the counter, since it was within 48 hours of return. So I decided to call them back after 48hours and went to check our bags in at around XXXX. After that we proceeded to gate past the security the security check as our flight was at XXXX ( I provided boarding pass and bag tags for proof ). We reached XXXX and took XXXX back home from the airport ( submitted receipts for that as well ). 
Following morning, I had to fly to XXXX ( submitted my ticket XXXX and taking XXXX rides in XXXX as well for proof ). However XXXX claims that I returned the car only around XXXX on XX/XX/2016, which is a not true and charged my credit card that additional amount. I contracted my credit card company and they refunded me that amount, but XXXX has been harassing me for that amount.

Company response to consumer: Closed with non-monetary relief