vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We have information to reflect that the mortgage debt was paid in full. XXXX XXXX  XXXX has reported to the credit bureau that the debt was paid in full and there is a XXXX balance. The loan you are attempting to collect on does not exist and was removed from Mortgage Electronic Registration Systems , Inc. on XX/XX/XXXX and has been INACTIVE since that date. According to the MERS integrated system handbook " The process of making a loan inactive on the MERS System including in conjunction with the Resignation or Termination of Membership. A loan is deactivated if the debt no longer exists, or the loan is assigned out of MERS. The following deactivation transactions are available : Paid in Full ( includes payoff, deed in lieu, short sale, etc. ) Transfer to non-MERS Status Involuntary transfer/default by Servicer Involuntary transfer/default by Subservicer Foreclosure Complete Deactivate-Assigned from MERS for Default or Bankruptcy. According to Mortgage Electronic Systems, Inc records, XXXX XXXX, XXXX is an ACTIVE member of MERS. Therefore, according to the Mers integrated system handbook, the new servicer should have changed the min number to reflect the new information and the loan should not have been transferred off the system unless the loan was paid in full. 
The MERS automated system indicates that this mortgage was transferred off of the MERS system on XX/XX/XXXX and rendered INACTIVE. Although the mortgage was transferred off the system and closed to show INACTIVE at this date of XX/XX/XXXX, the assignment of mortgage remained in Mortgage Electronic Registration Systems, Inc name. The assignment of mortgage remained in Mortgage Electronic Registration Systems , Inc name until XX/XX/XXXX, when Nationstar Mortgage executed an assignment to itself from Mortgage Electronic Registration Systems , Inc. This is 3 years AFTER the loan was INACTIVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
OCWEN LOAN IS ATTEMPTING TO FORECLOSURE ON a property that i am the administrator of the Estate.They are using a assignment that is robo signed and fraudulent. I mailed a QWR and they have not responded. the assignment was created after the cut off date of the trust in the pooling and services agreement. listed with the United States Securities

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX there was a hard inquiry on my account that has been open sinceXX/XX/XXXX with XXXX XXXX for XXXX 's XXXX XXXX. The account has not been used since then nor have I had contact with XXXX XXXX or the furniture store sinceXX/XX/XXXX The inquiry was unauthorized and I was never informed that an inquiry would be ran. 
I called into XXXX XXXX 's customer service. They told me they can not access any information to the account because it's the store 's card, so they had to transfer me to that card 's customer service. When I reached the representative on that line, they told me they have no record of the inquiry being pulled and can not tell me why one would have been pulled. They claim to have filed a dispute through Transunion, but I do not feel confident that any actions were properly taken since they can not see their own inquiry they pulled. This is negatively affecting my credit because hard inquiries take points away. 
I do not understand how a company has no record, but had to have sent a report to a creditor requesting my information.

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 2018-04-24 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I used a XXXX to purchase a XXXX online. I received the voucher I purchased but was charged twice by XXXX for 2 different amounts : {$260.00} and {$290.00}. XXXX ( Suntrust ) claimed I authorized this and XXXX won't answer my inquiries. I did not receive 2 products or services. I purposely used this credit card so that if there was a dispute with XXXX, THEY would handle it for me. When I inquired about it, XXXX claimed ( case # XXXX ) that I had authorized the purchase and that was the end of it. I asked XXXX via e-mail ( the only way to contact them ) what I should have received for the 2nd charge but got no answers. I don't know which one to complain about, XXXX or XXXX. XXXX XXXX owes me a credit or XXXX owes me merchandise or a voucher for services. This is not the first problem I've had with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OK

Complaint narrative:
OneMain has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX : Purchased XXXX  Gift Card ( {$500.00} ) at XXXX in XXXX CA ( next to XXXX ). Had trouble activating the card, but was going to New York for the weekend, so decided to wait. 
XX/XX/XXXX : Came back from NY and went back to XXXX ( where I purchased gift card ) to sort out problem. Was told to call customer service on the back of the card, which I did. Called in to activate card at around XXXX. When I got home and logged in to check my card balance, I found that my card has been fraudulently used at a XXXX in XXXX XXXX, to the amount of {$490.00}. Called into fraud department for the gift card issuer and was told to fill out dispute form that they will MAIL to me. 
XX/XX/XXXX : called in to fraud department to ask them to change the mail address from my XXXX California address ( parent 's house ) to my XXXX  address, so I don't waste time. 
XX/XX/XXXX : called in to fraud department and confirmed that the dispute letter was sent on the XX/XX/XXXX, so it was just a matter of waiting. 
XX/XX/XXXX : Parents call me to let me know that they received the mail ( so the mailing address was not changed ... ) and that they will be mailing me the letter XX/XX/XXXX : got the letter and faxed in the filled out form. 
XX/XX/XXXX : called in again to confirm that they have received my fax ( filled out dispute form and any other documents that I provided, such as receipt ) XX/XX/XXXX : filed my complaint with CFPB because many online have said they are notoriously slow with responding, and with the help of CFPB, maybe things will be better.

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 2018-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank confiscated my mom 's checking/savings account, saying the account was abandoned. My XXXX year old mother, who has been in a rehab center for a year due to seriously XXXX XXXX, had a home equity loan and money market account with them for nearly 20 years and cashed out her life insurance policy last year to pay off the loan, of which she paid over {$200.00} a month in interest. Without prior notice, I received a notice from CitiBank that they had confiscated her account due to abandonment. They claim they sent notices, but since her horrible injury, I have been handling her mail and I never received ANYTHING stating this action would be taken. After being told there was nothing I could do about it, by my 3rd call they ordered me to fill out a statement citing the circumstances, the total amount of which was {$210.00}, have my mom sign it, and a check would be sent. One was sent, short the {$5.00} from the money market account. Repeated requests and demands for the entire amount, which was listed on the signed request they received, they have dug in their heels and now say .I need to fill out forms to get the {$5.00} back! It may seem like a pittance, a petty complaint, but how many people have they done this to who aren't aware it happened, especially the elderly and the XXXX? I've warned them 3times I would file a report over this, and even recommended they simply put a {$5.00} bill in an envelope to solve this problem, but they are adamant about filling out more forms eventhough the amount on my mom 's signed letter was acknowledged by CitiBank to be the amount she was owed. We came from the XXXX and CitiBanks stand on the 2nd amendment and their refusal to serve people or business who associate with the XXXX is widely known, and being members, we refuse to allow CitiBank to keep even a single cent they don't deserve! My mom is adamant ... .she wants the ENTIRE AMOUNT THEY TRIED TO STEAL! Please help us stand up to these XXXX who would rather be reported than give an old, XXXX great grandmother her {$5.00} back! We are on fixed incomes and every penny counts in this household! Show CitiBank that they can't be a XXXXBank and get away with it!

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
I have a military star card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from military star and not from XXXX. XXXX tells me its like XXXX more then the statement says when I try to pay them. I called XXXX again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number XXXX and hung up. Here is the number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was offered a mortgage reinstatement opportunity with J.P. Morgan Chase. I fulfilled the reinstatement requirements within their required time frame. I faxed copies of the wire transfer confirmation to 2 different Chase numbers per there direction, for normal business practices and escalation purposes. My bank has recorded the wire transaction as complete on XX/XX/XXXX. I have emailed the wire transfer confirmation on XX/XX/XXXX to the attorneys representing J.P. Morgan Chase XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Michigan XXXX, obtaining a confirmation of receipt, and a corresponding followup from the attorneys stating they are waiting on their clients response to hold off the court sale.Chase says they need 5 to 7 days to process the reinstatement. The sale date is tomorrow, XX/XX/XXXX. The reinstatement execution is good through close of business XX/XX/XXXX. Why would they schedule a sale date less than 7 days out from the agreement date if they need processing time. I have met their offer of reinstatement within the time frame, they seem to be badging me and threatening a sale beyond what the reinstatement offer. I find their practices immoral and very unhealthy, and am looking into the legality of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: OK

Complaint narrative:
Perfection Collection has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NJ

Complaint narrative:
Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Conserve company is attempting to collect {$1100.00} for a debt which I am not responsible for. It is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
First of all I got a letter in the mail from XXXX XXXX stating they are a debt collector and that I owed XXXX {$150.00}. It gave an address, phone number, and ways to pay. My XXXX account is good and I owe nothing. I read through and looked at he letter more and something seemed fishy. So I went online to research this company and immediately came across hundreds of complaints about this company being a scam and when people call they ask for your social security number even after giving them the account number they have on the letter. The other people stated they are identity thieves and want your social security to steal. They are a theft ring.

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 2018-04-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted Transunion about inquires on my credit report that I did not make. The representative would not assist and take care of the negative inquires reporting on my credit report. 

I am requesting all of these inquires to be deleted. 
-XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Creditor ( XXXX XXXX ) hired lawyer ( XXXX XXXX XXXX, Georgia ) to garnish bank acct. for payment of credit card debt. On XX/XX/XXXX. They had court order due to winning suit. They took everything, leaving me {$0.00} to live on. Frozen acct. I have made repeated calls explaining I am unemployed since XX/XX/XXXX, am a senior citizen, needed to purchase My medications desperately., and all monies in bank were from IRRA! Please help me! I have been without meds, gas, or XXXX cent for one week! All attempts to call attorneys and My bank have been wasted time. No one cares..Please help me! I have had 2 borrow 5 days worth of medication, and can not pay my pharmacy back,! Please, please help me. I am confused, and feel like I'm taking one step forward and 3 steps back! I can not neglect My health any longer.XXXXXXXX XXXX  XXXX does not return calls. 1 of the Agents I spoke with Told me, " it's a done deal '', nothing can be done about it ''! XXXX XXXX ) When asked for administrative contact name and telephone, she hesitantly gave it, but added, " She is NOT going 2 do anything about this ''! Called many times, left message that matter was EXTREMELY important on XX/XX/XXXX, and/or XX/XX/XXXX.No response!! The " hold '' button at this law firm is unbelievable! 
I have spent many hours of what I feel has been wasted time. I need someone who cares about humanity! Do your job, but show empathy. I try to remain calm, but My heart races and I cry uncontrollably! I have no one to help. I am not asking for pity, just help in attaining My IRRA money.i WILL find a job, and pay debts owed, but I NEED medications desperately. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: UT

Complaint narrative:
Credit Service CO is reporting on my credit and attempting to collect on a debt that is erroneous and past the statute of limitations. 
This debt is from 2011 and I am a XXXX I was in a XXXX XXXX XXXX and had to go to the hospital. So for one this debt was covered under workers comp! For 2 it is past the statute of limitations in UT.

Last, they are in violation of the FCRA for continuing to update the LAST ACTIVE date. The LAST ACTIVE date is when payments are being made. So they continue to update this date monthly which will keep this erroneous debt on my credit report. 
They are obviously in violation and if they do not fix this then the next correspondence will be from my attorney. I XXXX XXXX for a living and these guys harass me for years on a debt that was paid and is old. Someone needs to do something about this.

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 2018-04-24 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: CA

Complaint narrative:
two issues that i have reached out to experian for and they have ignored and not resolved in over 6 months 1 ) they are reporting a negative account with XXXX XXXX credit card as closed with an outstanding balance. this account does not belong to me and was opened and used fraudulently, experian had removed this account as i have disputed it and had proper documentation and police reports and then i just checked my credit report an they have added this negative account back to my credit file. 

2 ) experian is reporting a best buy credit card i have as closed and the account is opened and has been opened. i have notified experian of this for over a year an sent documentation as well as had best buy call them to correctly update my account and they refuse to do so. this account is open and they are reporting is as closed and will not correct it.

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