vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I applied for a loan modification on an adjustable rate mortgage in XX/XX/XXXX due to getting injured on my job and having a curtailment of income. I 've been compliant to the all of the request made by SPS and I 've received seven letters stating that all of the documents have been received and are perfected and that SPS will send the file to an underwriter for review. The underwriters are n't reviewing the documents that are being sent and requesting the same documents again. On XX/XX/XXXX SPS requested clarification on paycheck stubs to determine if I get paid every two weeks or twice a month ( Hence, 24x a year or 26x a year ). A letter explaining that the pay period is every two weeks was sent on XX/XX/XXXX. Upon calling SPS on XX/XX/XXXX, I was told that they received clarification and all the documents were in to continue the review. On XX/XX/XXXX I called SPS for a status update and they informed me that they needed a letter regarding clarification of the frequency of pay. I advised that I already sent that letter and they told me that they just wanted a verbal explanation. I verbally told them that the frequency of pay was every 2 weeks. On XX/XX/XXXX, I called SPS and they explained that all docs are in and nothing else is needed to continue the review. On XX/XX/XXXX I called SPS for a status update and they advised they needed clarification of the frequency of paystubs. I explained to them that we already verbally told them and wrote a letter. SPS said " O.K. '' and continued the review. On XX/XX/XXXX, they advised me that they just received internal clarification on XXXX that the frequency of paystubs is every 2 weeks. However, they needed more bank statements to verify the frequency of pay. This tactic has been going on since the inception of the loan modification process began. The single point of contact XXXX XXXX never answers or calls me back and I speak to different reps every time I call in that ask for the same documents that we sent in and verified that SPS received them. SPS single point of contact and underwriting team are not reviewing the documents that we send in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX Vet. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX 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 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
The Issue above is incorrect, I had to put something in. Sorry about that. 

The following attached disputes thru XXXX were all incorrect. They still say they are open and they are past due by 120 days, when the Past Due Amount is {$0.00}. The original paperwork pulled by my lender states I had XXXX 90+ delinquencies dated XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX and had XXXX 90+ delinquencies. XXXX of them were reported by your company. They have also duplicated you on my credit report and will not remove it. They are convinced that it is your responsibility to do so. On XX/XX/XXXX and XX/XX/XXXX they removed your information from my credit report and on XX/XX/XXXX they added it back. This falls under the FCRA and I have asked them to remove your negative information from my report and ensure it remains removed. I have also sent you 2 emails to Portfolio Recovery to try and correct the problem, but with no avail. 
I am trying to purchase a home and this is hurting my credit and my health. I have explained this over the phone to the disputes department. I believe that the information is incorrect on the past due amounts for the following reasons : 1. There are no past due amounts on the credit file. I highlighted the info in yellow on the attached documents. 
2. According to the credit report from ( XXXX ), every month I made a payment, the past due amount went down by {$51.00} dollars ( see the amount past due from XXXX File on XXXX ). 

Amount Past Due Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} {$1100.00} {$1000.00} {$960.00} {$910.00} {$850.00} {$800.00} {$750.00} {$700.00} XX/XX/XXXX {$650.00} {$600.00} {$550.00} {$500.00} {$450.00} {$400.00} {$350.00} {$300.00} {$250.00} {$200.00} {$150.00} {$100.00} XX/XX/XXXX 3. Also, the date of the 1st delinquency was XX/XX/XXXX but was n't reported until XX/XX/XXXX. 
4. If the account was XXXX XXXX 's and I was late with them, how could you report that I was late with you when I did not miss a payment? If that part is correct, please explain it to me! 

I am also attaching a page from each one of the reports I have mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2017 I visited XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Before treatment began, they offered to run my credit to see how much I would be eligible for if I needed credit to cover any costs. They told me I was eligible for a {$5000.00} line of credit to be used towards any work needed. I received some minor work from them that I paid out of pocket for ( {$390.00} ). I told them I was not interested in using their line of credit and had no need for it. Approximately one week after this visit, I received a CareCredit card in the mail with a line of credit of {$5000.00} that can be used at XXXX XXXX and other affiliates. The card is unsolicited, but appears on my credit report. I called the issuing bank ( XXXX, Florida ) and they said they would conduct a fraud investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I noticed an unrecognized and unauthorized transaction on my credit card. 
Since I am a busy person, I have not noticed this suspicious transaction up until my accountant asked me about it when he reviewed my statements before the tax season. 
I feel really bad since I contacted the bank twice and both times they rejected my claim without providing me any proof that it was me that actually made those transaction. 
I would like to get all the details on why the bank decided to reject my claim. 
It does not make any sense that i will lose over {$5000.00} without getting any answers.

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 2017-02-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a copy of my XXXX consumer credit file ( Comenity Bank/XXXX ) is falsely reporting this account to my consumer file. This is NOT, my account ( XXXX ). 
All supporting documentation will be faxed. The information provided in this complaint is for the sole purpose of filing this complaint with the CFPB. And, is NOT to be used otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
When talking to them they can not provide information about account about services rendered for break down or dates so that I can cross check it against my XXXX eob form for payment because several times in the past it has already been paid but it takes time. They do not care and demand payment with out discloresure because they do n't have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Performance Settlement, LLC
State: MS

Complaint narrative:
Performance Slc mislead me on helping me with my student loan and now there trying to take my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi, I want to file a complaint about my checking account at wells Fargo bank. there was a check deposited and withdrawn under my name thru mobile banking without any knowledge. I received a letter that i will be attached here to my complaint that there is a certain person claiming that it is her check i forge it.. i will also attach checks that issued but it is all written by me not like the checked that i am accused of forging. the check was under my name and account but my ID is on top of the check covering the real owner of the check, ,wells Fargo is ignoring my issue and insist that i should repay for it ... that I will not do because it is an admission of guilt..i am currently taking up law enforcement schooling and i do n't want my reputation to be messed up with this anomaly of the bank..I am hoping for your kind consideration to look on this matter.thank you so much

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 2017-04-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.

Complaint narrative:
I am an international customer of Citi and have both a Day to Day Savings account and a Basic Checking account for which I had online access till the end of XX/XX/XXXX year. During XX/XX/XXXX I lost the ATM card ( Citicard ) and since the end of XX/XX/XXXX it is not posible to login online without the Citicard number so I requested Citicard replacements several times, however I never received any of them. In XX/XX/XXXX, branch manager XXXX XXXX stated she mailed me a replacement Citicard but never got it. Later, at the end of XX/XX/XXXX year I asked again a replacement Citicard via the Call Center ( answered from The XXXX ) and I did not either receive it. Then I controlled that my international mailing address was correct and in theory the Citicard was mailed to my mailing address on file with Citi. It is to point out that the ATM/debit card or Citicard has to be issued and mailed free of charge to customers and all times was ensured it had no cost or fee. My Citi branch is the one located at XXXX, NY XXXX and this submission is a help request to Citi more than a complaint.

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 2016-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: NAM National Arbitration and Mediation
State: WA

Complaint narrative:
Sent a cease and desist letter via fax on XXXX XXXX, 2016. Called and spoke with a representative and verified receipt by the company. Still getting phone calls in violation of the FDCPA. So far there have been XXXX occurrences after verified receipt of an order to cease and desist.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commercial Recovery Systems
State: NC

Complaint narrative:
I believe that I have been targeted by debt collection scam by a firm named CRS purporting to be a law firm and threatening suit on a stale account in addition to not identifying themselves as a debt collector. Today I received a voicemail from their computerized pre-recorded auto-dialer that stated the following message : " This message is intended for [ my name ], we have been instructed to obtain a statement from [ my name ] prior to filing in your jurisdiction you can provide your statement directly to XXXX. '' I later called the number and the call was answered as " CRS '' by someone identifying themselves as XXXX who reluctantly said was a receptionist after extended questioning. I asked her why they called and she said that it was regarding a debt I owed. I asked where they were based out of and she said they are out of New York. I asked her if they were a debt collector and she said that they were not a debt collector, but a " pre-litigation '' ( her words ) company. I asked what that was and if this was a law firm, she stated again that they are a pre-litigation company and work with a group of attorneys. At no time did she explicitly state that the call was for debt collection purposes, despite stating the call was regarding a debt I owed. She confirmed my name and the county my address is in. 

She said that she would transfer my call to the paralegal handling my case after verifying my information which I gave to her. She transferred me to someone identifying themselves as XXXX who said that they were calling on behalf of XXXX XXXX XXXX who I failed to repay a debt to. I told her I do not recall having any current XXXX XXXX XXXX debts and she said that I opened the account in XXXX and stopped paying it in XXXX. I asked her if she was threatening me with a lawsuit on a time barred debt and she stated that it was illegal not pay them back. I told her failing to pay debts was not illegal and asked again if they were trying to sue me on a debt outside of the statute of limitations. She became very loud, abusive and insulting, which made me angry and I yelled back and she hung up on me. 

I called back the original number and spoke with the same person that answered the original call, I asked for her name and she said it was XXXX XXXX and I asked for my representative 's name and she said that it was XXXX XXXX. I Googled the name CRS and found out that the company was currently being sued by the FTC and has a history of similar actions in addition to no longer being licensed in my state.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX. When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Check Recovery, LLC
State: GA

Complaint narrative:
I recieved a call from United check service in New York on behalf of payday from Investior XXXX from XXXX yes the calls were very threating I asked for information regarding this company as I was not aware of them the gentlemen failed to give his name the company name and location information I than googled my rights as a consumer and called back and asked for proof of this debt and other information. Again I was threatned with court and jail agian I asked for information about this company and debt I was told to shut and I continued to question information I was than called a racial slur he states XXXX this is what you need to do. I than hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
Hi I recently refi 'd a loan that was previously with Summit Funding. The loan was paid off in XX/XX/XXXX. I believe the exact date of funding was the XX/XX/XXXX. When I call the ecrow department at Summit, I was told that I should received the check by the XX/XX/XXXX. They said they legally have 21 days to refund. If my calculations are corrent the XX/XX/XXXX is much more that 21 days.. I still have n't received the refund. I have called the Summit Funding escrow department several times. Last week I was told that the check was cut on the XX/XX/XXXX and I should have had it by now, I still do n't have it. Called again today and asked to speak to someone in the escrow department as to why I have not received my refund. I am done calling and now would like to place a formal complaint against the company .. Summit Funding has been terrible since we were approved for our XXXX loan in XX/XX/XXXX. Can someone in your office please help us to get our escrow check in the mail? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Northeast Recovery Solutions, LLC
State: NY

Complaint narrative:
XXXX XXXX 2015, WEDNESDAY XXXX TRANSCRIPOT OF CALL FROM NRS `` THIS MESSAGE IS A CONFIDENTIAL MESSAGE CONCERNING XXXX XXXX XXXX XXXX. 
XXXX XXXX CONTACT THE OFFICES OF NRS GROUP CURRENTLY WE HAVE DOCUMENTS THAT HAVE BEEN FORWARDED TO OUR OFFICE ATTACHED TO YOUR FULL NAME AND SOCIAL SECURITY NUMBER. XXXX XXXX THEY 'RE NAMING YOU AS A RESPONDANT CASE FILE NUMBER IS XXXX. 
OUR FIRM IS PRIVY TO TALK TO YOURSELF OR ANY LEGAL REPRESENTATION CONCERNING THIS MATTER BEFORE THE CLOSE OF BUSINESS XXXX XXXX THIS XXXX. CONTACT OUR OFFICE AT XXXX. 
OUR FIRM 'S BEEN RETAINED TO CONDUCT AN ASSET SEARCH. WE WILL BE VERIFYING WAGES, INCOME, EMPLOYMENT AND PROPERTY. 
WE 'D LIKE TO AFFORD YOU THE OPPORTUNITY TO CONTACT THIS OFFICE SO THAT YOU CAN DISCUSS VOLUNTARY RESOLVE. IN DOING SO WE NEED TO SPEAK WITH EITHER YOURSELF OR YOUR ATTORNEY NO LATER THAN XXXX PMXXXX ''

Company response to consumer: Untimely response
Consumer complaint received 2017-03-26 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TCF NATIONAL BANK
State: MD

Complaint narrative:
I have an auto loan with Gateway One. Recently they 've been calling to collect on a past-due payment. They called multiple times a day and then they showed up to my mailing address and gave a collection letter to the person that answered the door and told them they had to open it and read. I have verification of that. Then they started calling people and telling them that they were looking for my car. If you can give me an email address I can send you copies of interactions with people that they spoken to where, they say they will rude and nasty..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: NV

Complaint narrative:
I had reviewed my credit report and noticed I have XXXX medical bills on my credit report unpaid. I called my medical insurance company to find out why these XXXX bills have n't been paid. the hospital did n't summit the claims for these bills. i understand the hospital is not responsible for billing your insurance, how ever when they assume the assignment it is there responsibility, to bill the insurance and follow up with the billing process. the hospital had another company handle there billing process where the hospital later had issues with the billing process. this hospital turned this matter over to collection. I tried to excercise my rights with a debt validation requests, and received to print outs from the collectors on the print out the XXXX bills state paid. the collection agent state these bills are n't paid I know they are n't paid by me but why do my bills state paid on them. by the way the collection agent sent me information for another client they are attempting to collect on medical bills by mistake and told me to throw them away.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: KEYCORP
State: CO

Complaint narrative:
We applied for a second mortgage through Key Bank, and the entire process was filled with delays, miscommunication, and difficulty. Though I have numerous frustrations, the one I 'm focusing my efforts on is not receiving a copy of the appraisal they demanded we get, even though one had already been completed for the first mortgage. We closed on XX/XX/2017 and have not received a copy of the appraisal to date. I requested the appraisal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told via email, on XX/XX/XXXX, that the appraisal would be sent. I have not received it.

Company response to consumer: Closed with explanation