vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX in XXXX, MD. XXXX sometimes use CareCredit to finance their procedures. CareCredit is owned by Synchrony bank. Over a year ago, XXXX. Last month, this XXXX filed a fraud claim ( worth {$8100.00} ). I was asked by CareCredit/Synchrony bank to provide documentation proving that the XXXX. The following week, I received a fax from Synchrony bank stating that I did not provide enough information and that I would lose the {$8100.00}. XXXX I tried to call CareCredit and Synchrony bank multiple times to see what I could do in order to resolve the problem so that I would not lose the money. Unfortunately, we were placed on hold, hung up on, and transferred everytime we called. I spoke to XXXX in the CareCredit fraud department and she could not help me. I asked to speak with the manager. XXXX told me his name is XXXX and that she would give him a message to call me, but I never heard from him. Finally, I did reach a manager, XXXX, who basically stated that the decision has been made and there is nothing I can do about it. This is very disheartening since XXXX, I XXXX and I will end up losing a lot of money. I feel like the faud victim now. Please help me find a solution to this problem. Thank you

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 2017-03-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They call me 4 to 5 times a day for 5 day straight

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 2015-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: HIGHLAND FINANCIAL SERVICES (Closed)
State: IN

Complaint narrative:
I revived a call from HFS PreTrial Services Division. THey stated that a debt from XXXX XXXX in 2009 was needed to be collected. She then stated that not paying this debt would result them forwarding my case and having me arrested. I asked if I would be arrested by her, and she stated no, " but not paying this today would result me being held on a {$5000.00} cash bond and serving jail time. '' I then asked if I could call her back and she refused. She stated it has to be taken care of now, and saying that she implied she was denying me the right of validating my debt. She then went saying that her client felt that I committed check fraud, and by not paying back my debt was not helping me out. She still refused to allow me to contact her later. I spoke to her supervisor and the reviewed the tapes. The supervisor stated she did nothing wrong, because she said she would not take me to jail. I fell like as a consumer my rights were completely violated.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Pinnacle Asset Management, LLC
State: PA

Complaint narrative:
Called claiming to be an investigator from pinnacle and left a message, claimed that they spoke with my ex wife, and if I did n't call back by the end of the day I would be facing litigation. Very aggressive and threatening. Claimed they sent certified information to my address but I 've been living in the same address for 11 years and I 've got zero certified information from anyone close to that name.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-15 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: Pinnacle Asset Management, LLC
State: TX

Complaint narrative:
My name and my father have the same name and our social security numbers are off by XXXX digit. My father had an account with XXXX that went to collections. I currently have a XXXX account that is in good standing and always has a credit going into the next month. I disputed the debt to have it removed from my credit reports. Pinnacle ( after removing from credit reports ) sold the debt to XXXX and they are going to report it. When Pinnacle sold the account they did n't sell the entire record showing the disputes from me. I called Resurgent to see what I needed to do, they asked for my name and social security number, I provided both, they said " ok, we will associate this name and social security number with this account now. '' I have no idea what to do or how to make this stop. XXXX told me they could just keep selling the debt and they do not have to provide full records so we could keep having this issue in the future. They also told us our only option was to file a police report for identity theft. We called XXXX - XXXX does n't have this past due account associated with my social security number in any way. XXXX says when they sold the account to Pinnacle they used the social security number for my father. So he did n't steal my identity Pinnacle and XXXX just used my information.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I recently requested for the PMI to be removed from my loan. DiTech is lender agreed to remove the PMI in XX/XX/2017. My issue is that the PMI should have been removed automatically years ago. I 've owned the house for 10 years. DiTech tells me the initial loan agreement was to remove the PMI in XX/XX/2017. I asked for the documents stating such agreement and they tell me that they ca n't give me that information. The PMI should have been removed years ago.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: National Processing Group LLC
State: TX

Complaint narrative:
Calls to my references, threatening to take them to court and for depositions. harassing calls to myself

Company response to consumer: Untimely response
Consumer complaint received 2017-03-16 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: REGIONS FINANCIAL CORPORATION
State: CT

Complaint narrative:
Our company has been using XXXX XXXX Mastercard for about a year. 
It was attractive to our company because it allowed us to use the card at select Big Box Stores ( XXXX, XXXX.. ) XXXX there was an internal change, customer service was moved to XXXX and during this change we were unable to view our invoices. Called several time to explain that the invoices were not available. They assured me that during this transition we would not be shut off. They also assured me that we would not be responsible for late fees or interest during this transition. Well we were shut off and were forced to pay the late/interest fees to get it turned back on. I explained that we were unable to make online payments and they said they were working on it. Also explained that all charges from big box store were not broken down, no description was given as to the hundreds of dollars spent. Again they reassured me that the IT department is working on this. We have decided to move our business to another company, as we feel it is unfair that we are promised one thing from customer service and then told another after we have been shut off. 
Informed supervisor XXXX of all the false promises, she said her hands are tied. 
Must make payment including late fees/interest for invoices that are incomplete and unable to make payment online. 
Used to be a good company gas card, now that it moved to XXXX it has been a disaster. 
WOULD NOT RECOMMEND THIS GAS CARD. 

They explained there was trouble with the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Prospect Recovery Solutions LLC
State: MD

Complaint narrative:
I was sued by my wife 's father for money he loaned us in XXXX. I lost my job in XXXX when he sued. I did not go to court because it was not feasible. he Sued me in XXXX and was granted a judgement. XXXX XXXX hired a company Prospect recovery solutions. I got a call and he said I do not owe XXXX XXXX anymore but I owe him. I had no idea who this individual was. I asked him not to call me anymore. So he called my wife and contacted her by XXXX. Then he sent letters to the house, addressed to my wife. They are threatening letters. I am in possession of all. XXXX XXXX XXXX also contacted my Job. He talked to the HR Director XXXX XXXX and was asking personal questions about me. She did not answer any of those questions. I am very afraid because he threatened to come to my house. I have an attorney, to see what my rights are. He has pulled my credit report without my permission, he somehow knows what is on my tax return, and he has also reached out to my home town and has tried to cause disturbance there according to his letter that I have in my possession. I am afraid for my life and I hope someone can stop this indivdual.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We paid off a mortgage our in XX/XX/2017 with Everbank Mortgage. Everbank has sent us the recorded satisfaction mortgage, but will not send us the original note marked PIF. Contrary to its assertion, we were not given original notes or mortgage at closing ( I know of no lender that gives originals to consumers at a closing ). We need an original note marked PIF, as no lender should retain an original note that has as been paid in full. It could be used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have Chase Freedom credit card account for over a year set up for AutoPay. A month ago they sent me a letter stating that they were gon na close my account for not receiving minimum payments. I received that letter too late because it was misbelieved to my neighbor 's mailbox, however I called to Chase and questioned why they do n't deduct my minimum payment from my linked checking account as they used to do the entire year. The Chase customer service representative advised that it was a system error and I should of disregarded that letter. And a week ago, on XX/XX/2017 Chase sent me another letter stating that my account was closed. When I called to Chase again they started lying to me that I never questioned them regarding that misdelivered letter which they sent on XX/XX/2017, however another Chase customer service representative was able to locate my call on XX/XX/2017. Now Chase representatives keep exercising their prejudice, misconduct and dishonesty blaming me for not figuring out how to make minimum payment by mailing it even thought they would not receive it anyway on time because I got their letter too late because it was misdelivered to my neighbor 's mailbox. Chase website also did not accept my minimum payment because it was set up for AutoPay for over a year, and my minimum payment was always timely automatically deducted from my linked checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied for a review on my mortgage to have the amount due each month reduced with Chase Bank, after a couple of months, Chase came back and offered a " reduction '' which was more than what I had been paying. I declined the " partial payment protection plan '' and continued paying my mortgage without modification. Chase has since reported my account to the credit bureau 's as being under this " payment protection plan '' and now it is having a direct negative impact of more than XXXX points on my credit score. I have filed numerous complaints and made numerous phone calls to Chase to have this issue corrected and reported correctly to the credit bureaus, to no avail. I have not signed any paperwork for a loan modification program and have notified them directly on numerous occasions that they have mis-represented my account status to the bureaus. Chase has flat out refused to make this right and now, as a result, my credit score does n't meet the minimum to apply for a new home mortgage with the VA. Please assist, if you 're able. This is devastating for me, my wife, and XXXX young children. We will be homeless in XX/XX/XXXX and Chase has refused again last week to properly report their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax was reporting XXXX accounts that I was an authorized user on, however not liable for ( I have cancelled being an authorized user ). I asked them to remove the accounts they removed the first account within a week of the dispute. I contacted them on the status of the second account and the representative told me she could get this taken care of. She worked on the account while I was on hold 30 minutes and came back and said the account will be removed in 24 hours. 48 hours later I pulled my credit report thru the Equifax system and the account remained but the dispute was removed. I called and spoke to a supervisor who said they were working on the dispute, even though the dispute was cancelled. I asked how they could do this because, dispute XXXX was cancelled so I could get my pre approval for a mortgage and is still technically open and that was filed 3 months ago. I contacted the bank, XXXX XXXX, and they stated they had indeed sent Equifax the information 17 days prior though Equifax personnel say they do n't have a record of it. So they are holding my credit report hostage by not being diligent with information give to them. The XXXX other credit bureaus removed these accounts within 48 hours of receiving the dispute because the information stated directly I was only an authorized user and not a joint account holder. I believe all credit bureaus need to help consumers and not hold them hostage because a score of XXXX is not good because of an account being reported but a score of XXXX is good when said account is not shown, big difference in percentage rate for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ROCKY POINT CAPITAL LLC
State: VA

Complaint narrative:
I was a victim of identity theft, I have already closed accounts that were opened fraudulently using my credentials. I was contacted in XXXX 2015 by XXXX XXXX XXXX of Rocky Point Capital informing me that I would have to give an official statement for some " trial '' immediately. I informed him that the debt was fraudulent and emailed him a copy of the police report on XXXX XXXX, 2015. He gave verbal confirmation that he had received the police report, that the debt was verified as fraudulent, and that it would removed from my record and the case closed. On XXXX XXXX both my mother and I were contacted by XXXX XXXX XXXX from the XXXX and XXXX debt collection agency who informed us that his firm had been retained by Rocky Point Capital to seek payment for the debt. I emailed them about this matter on XXXX XXXX and received no response.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blitt and Gaines, P.C.
State: KS

Complaint narrative:
Collection I received a dunning letter signed by XXXX, an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit against me within the thirty ( 30 ) days. I have had to defend in court while another attorney continued to send dunning letters without validating the alleged debt. 
In court, XXXX, the attorney for plaintiff is shifting the burden of proof onto myself, the defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This fraudulent account I have contacted Soutwest credit about multiple times will not remove this collection account from my credit reports, after I asked for proof this is my debt the only sent me a bill, a bill is not a justification of debt. They never sent me a signed copy of my contract with them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
i had loans that were with navient yhat were reporting late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i spoke to coustomer service and we determined that i was in deferment or forberance at those times so my credit report should not be showing late. they said they were gon na fix it but nothing has happen yet

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 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: RJM ACQUISITION LLC
State: NV

Complaint narrative:
RJM seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to XXXX XXXX BANK XXXX. 

I deny any debt, claim, or judgment by XXXX XXXX XXXX or RJM, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Visa from Bank of America I used it to request services from a merchant XXXX. Storage from XXXX to XXXX of {$170.00} per month. in XXXX I scheduled to have the container transported from XXXX to XXXX with a rate of {$1900.00} paid in advance. 
For reasons not provided the transportation was cancelled by XXXX, without notice. I 've tried to communicating with them with no results. 
It has been a nightmare dealing with the Bank and the merchant, seeing charges being made & paid, and not being able to stop them. XXXX response has been " payments need to be made and disputed later '' ( for how long and how much? ) XXXX has been able to receive payments from XXXX up to {$4500.00}. I find myself violated/abused by the Bank and the merchant. The AVERAGE CHARGE to transport a container from XXXX to XXXX is about {$2300.00}. Realizing that is all about business between the BANKS & MERCHANTS with no concern for the consumer. 
A dispute was filed, and the results were just submitted : " the amounts charged are correct '' that was even after XXXX PROVIDED to the BANK the agreement showing a rate of {$2000.00}. 
I provided myself the necessary documents including XXXX 's contract and statements from the Bank of America included with this complaint. 
One of the agents stated that the XXXX website has a glitch, " when a merchant logs-in to an account is agreeing to the charges '' -IT DOES NOT MAKE ANY SENCE-

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 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I contacted navient to inquire about payment options and try to set up a payment that reflected my income. Navient gave me no options at the time to adjust my payment options and rejected my request for forbearance. Then, all of a sudden, after struggling to pay the minimum amount due and falling further and further behind - Navient randomely sends me an email saying " reply yes to this email '' to opt into forbearance. So of course, thinking there still wasnt an option to adjust the payments based on income, i opt into forbearance. Again and again and again. Just pushing my total higher and higher. Navient purposefully evaded offering me alternative options and subsequently pushed towards forbearance all so they can make more profit. This is unacceptable. When i got my original loans through XXXX i didnt have a choice on loan servicer. Certainly didnt have a choice when they switched things up with Navient. These are forced on students at the federal level with federal funding. As a taxpayer i am outraged that i help fund the very institution that is blatantly taking advantage of me and evading my efforts to successfully pay off my loans.

Company response to consumer: Closed with explanation