vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
To Whom It May Concern, We have been trying to process a short sale on this property with Carrington Mortgage Services ( servicer ) and XXXX XXXX ( investor ). After the interior value was completed, we received a message asking for {$270000.00} net to entertain the option for a short sale approval. We provided evidence to the servicer and investor of the current condition of the property that is not being considered on the current value. The property shows signs of the following issues : 1. MOLD 2. Leak on the foundation causing damage to the foundation and humidity ( Mold ) 3. Electrical and Plumbing system are outdated and could represent a hazard The investor ( XXXX XXXX ) replied back to us that they require a {$270.00} net offer to move forward. We understand that they are not required by law to proceed with a short sale option, but we believe that this type of investor are abusing their power and the lack of regulations against this market makes easier for them.This a very common practice from this particular investor ( XXXX XXXX ) managed by Mr. XXXX XXXX, they overprice their properties to get the home owners out with a foreclosure. we believe these type of practices should be regulated by the federal government to avoid this type of abuse towards the people on a default situation that are trying to get a fresh start for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my accounts XXXX account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.

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 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
my accounts nordstrom account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I never recieved any notice of the debt and when I asked for verification it was never given they have also reported on my credit file that this account is verified by the Fair Debt collection Act which they have repeatedly violated and disregard by not giving me noticed to dispute and a copy of the original contract with my alledge signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: DC

Complaint narrative:
I received a notice from Professional Account Management, LLC ( PAM ) ( acct # XXXX ) stating that I owe {$250.00} and they are collecting that amount on behalf of the XXXX, DC Department of Motor Vehicles. In the letter the company states that the {$250.00} is for an unpaid speeding ticket from X/XX/2012 for a vehicle from Pennsylvania with license plate # XXXX. I was surprised to receive this notice because I have never owned a vehicle in Pennsylvania with that tag. Also, I do not recall ever being stopped by a cop for speeding. Further, the letter says that PAM has made several unsuccessful attempts to contact me, but I never received a call or a letter until the current notice. For the past 14 years I 've been a resident of DC with an active driver 's license and the same phone number, so it should have been easy to reach me. I now have tried to contact PAM several times via phone to dispute this debt and have been put on hold upwards of 15-20 minutes several times, but was never connected to an agent. I look forward to an explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Few years ago my mother, XXXX XXXX, contacted Chase Bank to ask for an Authorized User Credit Card for me, because I was going to college. I just found few months ago that Chase Bank has been reporting this account in my credit as a join account. How that could be possible? I never signed any documents authorizing that. Since I got the card I tough it was being reported as an authorized user account. I have contacted Chase several times asking them to fix this issue. Their answer is : " There is nothing we can do, sorry for the inconvenience ''. Really? 

Here is the account information : Account # XXXX ( do not have the last 4 digits ) My SSN is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a Bank of America visa Card through AAA. 
I have been making above minimum payments on what was a {$3300.00} debt. 
for a year. The Balance has not only not gone done at all but has increased. 

During the same time period I also incurred a {$3200.00} Debt with XXXX XXXX XXXX and have been making payments on that. THAT balance has decreased {$1200.00} B of A has been charging me so much interest that my payments do not always cover the interest even though my payments are over the minimum. They are charging over 30 % interest.

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 2017-08-28 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: NV

Complaint narrative:
Still having an account listed by name of XXXX XXXX/XXXX XXXX  showing on my report ... ... is not mine ... ..XXXX XXXX  acknowledged they have no contract with me, they acknowledge thy can not verify who opened account, which is why they also placed in their " internal Fraud file '' ... .yet XXXX, along with other credit reporting agencies continue to permit this to show on my file.XXXX has no document that verifies this account is mine either. So, if XXXX has no documents, XXXX has no documents, XXXX has no documents, Equifax has no documents ... ... .on an account that I do n't have/nor ever had ... how is it I am the one left with the XXXX stick, and having to deal with BAD INFO??? This system of " credit reporting '' is a very archaic, broken system ... ..of inaccuracies and unverified sources. I am beginning to better understand the system ... .if it 's wrong ... ..list it ... ..if it 's unverified ... ..list it ... ... if it is not theirs ... ... list it ... ... great system of bondage ... ..who needs ropes and chains ... .. an inaccurate credit report ... which is REALLY A DEBTOR REPORT, replaces ropes and chains mighty nicely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
On X/XX/2017 I authorized a funds transfer to another bank. That evening I received a phone call at a number that I never had given to the Chase Bank, NA. They mentioned the amount of the transfer and then tried to get me to register my phone with them by sending a code. I had no reason other than their possession of this one piece of information to believe that they were legitimate representatives of Chase Bank. I hung up and soon thereafter called Chase Bank at the number on the back of my debit card. 

I was informed that the transfer had been canceled and I should talk with their fraud prevention dept. This department insisted that I was not who I said I was and that they had also frozen my account and access to their website. I spoke with XXXX among others. They said in order to prove who I am, I would have to go to a Chase Bank and show two forms of ID. I told them their was no bank near my home and asked them if their was a bank close. They asked my address and then hung. This happened three times. I am ill and have a limited ability to travel 100 miles to another state to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC
State: FL

Complaint narrative:
Homeside financial has contacted me to refinance my property around XX/XX/XXXX. I did not initially contact them. I informed them that I had a potential problem on my credit and that I had I had some urgency because my second mortgage was going to expired on XX/XX/XXXX and I would have to pay a renewed fee of {$1200.00}. I had provide them all of their requests and financial information for their review and approval in a timely manner. They told me that they could resolve my credit issue and refinance my property. In addition to that I told them that I would not pay for the appraisal until I am fully complete approved.They promised that they would complete my application on time and that I would be approved quickly after a initial review on my financial and credit report. They would always reply to my communications stating that everything were under control and that I should be approved soon and they requested me to pay for the appraisal. They have also changed to at least 3 different people handling my application - XXXX ; XXXX ; XXXX XXXX. Now we are on XX/XX/XXXX,  They are not longer returning my communications. Fortunate I was able to get an extension to pay my second mortgage renew from XX/XX/XXXX till now end of XX/XX/XXXX but I had to pay {$1200.00} to renew last week. I am also asking Homeside my appraisal refund. They are completely ignoring me at this point. Before I move a civil lawsuit against them I want to try to make a formal complaint with you. thanks for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Chaplain Financial Services LLC
State: MI

Complaint narrative:
I finally spoke to a very rude, unprofessional person from what she says to be XXXX XXXX, collecting for XXXX XXXX. This company has called my cell phone, my mothers cell phone and my husbands cell phone, all of which messages were left. Today she also threatened to sue my son and two other people who she claims are related to me that I have never heard of and told me to 'drop my attitude '. They claim a debt from XX/XX/XXXXunder my previous married name that I have not had used since XX/XX/XXXX, so it 's actually impossible to have incurred a debt under that name in XX/XX/XXXX. They call continuously, and as of today, I will be recording these calls. They have also repeatedly threatened to contact my employer and to serve them as well. The return number that they leave is XXXX. When I call that number I also get a rude female who said 'are you XXXX me ' then 'goodbye ' and hung up. Today the call came from XXXX which does not accept calls. Two days ago it came from XXXX which is not in service, I continue to block, and the calls keep coming from different local exchanges. I 'm sure I have them all in my phone, but would have to search every incoming call to figure out which ones are them. As of now, I will start keeping a log of each call and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First National Collection Bureau, Inc.
State: LA

Complaint narrative:
first national collection bureau sent me a letter on behalf of XXXX XXXX XXXX original creditor is XXXX XXXX ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to heart me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on XXXX. this is the 4th letter I have received from them in four years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found so many incorrect items that does not belong to me. 

Creditor : XXXX XXXX XXXX Acct # : XXXX I am so frustrated with this company. I have repeatedly asked XXXX to help me. I do not own this debt and have asked for verification of this debt which they have been unable to answer. I dispute the validity of this bogus debt and demand that you permanently remove this item from my credit report.

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 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On the week of XXXX XXXX, 2017, I received the attached letter from Capital One stating that a credit card application had been submitted in my name and that they needed further information to confirm my identity. This was a fraudulent application made on my behalf. 

On Monday, XXXX XXXX at approximately XXXX CDT I contacted Capital One at XXXX to advise this. During the call, I identified I was in receipt of their correspondence by reading back to them the Application ID number that appears on the letter. However, they would not declare the application fraudulent until I provided them with my birth date. I told them categorically I will not provide them with any other information than what was in the letter as I never intended to do business with Capital One. The Capital One representatives I dealt with had ID codes XXXX ( XXXX ) and XXXX ( XXXX ). 

Capital One would not relent and would not declare my application as fraudulent, so I am writing to the CFPB to ask for your assistance in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On 5 separate occasions I contacted Equifax in regards to unauthorized fraudulent inquiries showing on my credit report. On my last call that I placed on XX/XX/XXXX the representative from Equifax advised me that the inquiries ( Equifax Mortgage-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, and XXXX/XXXX-XX/XX/XXXX ) would be removed as fraud since I do have an active fraud alert on my file. I received an updated report online and the inquiries were NOT removed but instead I was sent an explanation stating that inquiries are factual data and can not be removed. I contacted the creditors that obtained my report and asked them to remove the inquiries due to them being fraud and have been unsuccessful. I was told that I would need to contact Equifax. At this point these inquiries are hindering my ability to obtain credit and need to be removed as FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
Hi, American Education Services failed to send me bills by any method, email, postal mail or calling. In the mean time they created a serious delinquency, it 's negatively effected my credit. I 've tried to resolve this with the company. I 'm more than willing to pay the monthly amount regularly, but I need to know how much to pay and when. 

It 's unfair to charge me without a bill and then expect me to pay over {$300.00}. The company agreed that there was a fault on their end but only forgave a partial amount, now they are sending notices that request me to pay " if I 'm delinquent ''. They 've also been harassing me with collection calls at all hours. On top of that, I keep getting locked out of American Education Services website, so I 'm completely unable to view anything when that happens. Customer service is unbelievable, every single person you talk to has a different story. 

This is the only loan servicer I 've had a problem with, I 've paid one off and the other one I 've contacted twice in the life of the loan. AES I 've contacted too many times and nothing ever get 's fixed. It 's insane for me to call in request my access to be unlocked, then still be locked out. Questions about my loan or bills, they claim to have them fixed in 2 weeks. What world does AES operate in? 2 weeks? meanwhile my credit is seriously being effected. Accounts with XXXX balance are being closed, and I 'm sure I will run into issues in the future. 

I just want to be able to pay my loan, I want a bill monthly in some form and I want access all the time to my account. I believe that 's the law and I 'm willing to pursue this as far as I have to until it 's resolved. This is important and I 'd like to repay my debt, this is not an option AES is giving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Atten : Specialized Loan Servicing Please verify and confirm that the Note Custodian you refer to in previous communications through the CFPB as holder of Original Documents for XXXX XXXX XXXX Home equity line agreement and Disclosure statement is " RECON TRUST ''

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 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was extended {$1000.00} credit from XXXX XXXX/Care Credit formerly XXXX XXXX for dental work. If the debt was paid within a year, no interest would be applied. First {$84.00} payment was due in XX/XX/XXXX. I made 7 consecutive payments of {$84.00} before I noticed that my account was not being credited. On my mobile device I could see the {$84.00} payments were in pending mode and on my PC there was no activity showing at all. I called Synchrony and complained. I was told that it would be investigated and rectified shortly thereafter. My first seven payments totaled {$580.00} with {$410.00} outstanding. I was promised at least a dozens times that it would be fixed. I paid a total of {$1200.00} that was never credited, even though my XXXX bank account was verify-ably debited. Synchrony never helped me and eventually charged off the account. They sold it to a collection agency called XXXX XXXX XXXX. I was able to speak with XXXX at XXXX XXXX XXXX, who said they would investigate my complaint. On my credit report there is a payment grid with 27 OK payments with no amounts in the OK area. This is a totally messed up situation. My credit has been ruined by XXXX XXXX/Care Credit and XXXX XXXX XXXX for a debt I paid. 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