vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2017, XXXX XXXX charge late fees in connection to my mortgage in the amount of {$100.00}. I have paid my mortgage bills on time, and I wrote them twice about this matter, and they never responded to my letters or my phone calls. I have documentation of my payments shown in my bank account statements, and have the letters that I mailed them. I am requesting them to refund me back the {$100.00} because I was wrongly charged. I would also like them to remove any bad remarks they sent to the credit bureaus Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
The person calling from XXXX is stating to be calling from XXXX XXXX XXXX collecting a debt. Contacting XXXX at their real phone number. They stated that it wasn't them. 
This individual is pretending to be XXXX XXXX XXXX trying to get personnel information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, I have an HSA account with UMB and they refuse to give me my account number. 

I need my account number to pay my insurance premiums and the only way the insurance company accepts payment is an electronic ACH. 

Furthermore, I am set up to have online account access and my account number is not available online and they do not provide statements monthly but quarterly! 

How is this legal!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler and Pressler, a debt collection lawyer, is trying to garnish my wages for a debt I do not have, or know anything about, from XXXX XXXX XXXX. XXXXand XXXX says it represents XXXX XXXX XXXX. as well in this matter. I have not had a loan, nor a credit card from anyone in over 20 years, let alone XXXX XXXX. They don't state what type of debt it is, nor do they state the amount, nor any dates regarding this " loan '' .This sounds like a scam on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
Many students have been having issues with XXXX regarding the living environment and the way that the Cashiers Office, Accounts Receivable and/or the Financial Aid office assists and/or communicates with their respective offices on behalf of your account. 

An example of this comes through a friend named XXXX XXXX XXXX, who can provide her own details regarding her account in more detail, but has similarities to my own complaint in the regard of XXXXL attempting to collect funding independently on our respective accounts. XXXX has attempted to charge myself and others with amounts that are not indicated on our accounts, place such matters on our credit reports and/or send such to an outside collection agencies ( or threaten such actions ). 

Empirical evidence comes through XXXX sending such matters to outside collection agency XXXX XXXX XXXX through XXXX. Upon review, XXXX XXXX XXXX advised that debt was not accurate according to records XXXX falsified to send off to them & /or did not verify a debt was out in accordance to the times that the student was a student on campus. 

Additional complaints to CFPB involve XXXX to take threats of action from retaliation from OCR complaint ( please contact Department of Education ), as well as XXXX - Case # XXXX, that additional information can be found in reference numbers XXXX & XXXX. 

The most recent letter that bringsawareness of this practice by XXXX comes from collection agency, " The XXXX XXXX, XXXX '' Where XXXXL, " XXXX XXXX XXXX XXXX XXXX '' is named as the, " Creditor '' for Account Number, " XXXX XXXX '' & CS Number, " XXXX '' with Reference Number, " XXXX ''. They are attempting to gather funds that were previously sent to XXXX XXXX XXXX from XXXX. The current amount due is XXXX. 

Other individuals have had these matters occur and had their credit damaged as I have through this practice, yet their amounts have escalated and even skyrocketed into the tens of thousands, yet started off similarly to the amounts I have indicated. At present I have no way to enter campus to resolve such matters, while defending myself again assault which occurred on campus. 

Matter is currently a form of harassment for speaking out against practices that went against the XXXX XXXX XXXX 

Matter is referenced in XXXX XXXX & XXXX XXXX Releases from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is refusing to remove a debt of {$180.00} from my credit report. 

They have been informed by XXXX XXXX the original debt holder that the debt was assigned to me in error. 

However, National Credit refuses to remove the debt or send me a letter acknowledging the company is removing the debt. XXXX has continued to send me letters about a debt of {$130.00} that has been removed from my credit report. 

Please compel National Credit Systems to READ this complaint and review the attachment and send me written notification that the company is removing the {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I contacted Ally Financial at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XXXX and XXXX payments and put my account current for XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX POS XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX Ally Financial Online payment was debited from my bank account XX/XX/XXXX Ally Financial Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XXXX and XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.

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 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: TX

Complaint narrative:
ERC a debt collection company is attempting to collect an old debt on behalf of XXXX or for their own profit with an origination date in excess of 7 years. As an example XXXX  collections shows an open date of XX/XX/2016. 
ERC has placed debt collections information on my credit report that negatively effects my score. ERC has mailed to my home address attempts to collect this old debt and threatened " unless you dispute the validity of the debt, or any portion thereof, within thirty ( 30 ) days after your receipt of this notice, the debt will be assumed to be valid by us. '' Not only must  ERC stop their open ended threats of assumed debt, ERC must remove the long overdue removal of this debt from my credit information. ERC must stop collection attempts and stop continued efforts to re-new this old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: FL

Complaint narrative:
Please see : XXXX : XXXX XXXX XXXX XXXX Overview Website XXXX XX/XX/2018 Helpful ( XXXX ) XXXX XXXX XXXX `XXXX These people are scam artists that prey on innocent people seeking employment in an attempt to steal their identity. '' Current Employee - Customer Service Representative in XXXX XXXX, CA Doesn't Recommend Negative Outlook Disapproves of CEO I have been working at XXXX XXXX XXXX full-time ( Less than a year ) Pros There are no Pros to this job posting whatsoever!!! These people are professional con artists who are using this employment scheme to gain access top innocent peoples banking information and identification number Cons They will contact you and offer you a lucrative position within their fake company. Once they confirm you are hired for a non existent position they will send you a check for {$5000.00} or more to purchase materials in hopes that you deposit the check that will eventually bounce but they have already obtained your banking information and they ask you for a copy of your state identification card to add you to their Show More Advice to Management XXXX should really screen these posting and make sure they are valid reputable employers before allowing these postings to fall prey on to unsuspecting individuals. If you have been scammed by these people report them to your local law enforcement agencies ASAP as well as the 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 2018-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I received a letter from California Business Bureau , Inc. asking me to pay a debt from a hospital visit on XX/XX/XXXX for {$1300.00} plus {$290.00} of interest. 

XX/XX/XXXX I sent a fax to the California Business Bureau , Inc. with a statement from XXXX XXXX XXXX XXXX XXXX showing a balance due of {$660.00} I also faxed a letter to dispute the debt amount. 

XX/XX/XXXX I called California Business Bureau , Inc. to confirm they received my fax, the person with whom I spoke confirmed it and also explained that one of my health insurance provider, XXXX, paid for my visit to the hospital but they later claimed their money back. She also advised me to call XXXX. I contacted XXXX to confirm this information and the representative informed me that XXXX never paid any amount of that bill because of my deductible hence they never claimed any money back. 

XX/XX/XXXX I called XXXX XXXX XXXX XXXX to verify the amount of my debt and the representative said the hospital sent a balance due of {$660.00} XX/XX/XXXX I called California Business Bureau , Inc. to request an explanation of the amount they are collecting and the manager of my account did not even let me talk she started talking about my insurance provider and that I should contact them, and when I tried to tell her that I talked to them, she never let me. I also told her that I did not understand why she was talking to me that way if I was being polite to her and I only was trying to get responses about the amount they are charging. This agent offered to transfer the call to her supervisor but I was transferred to a voice mail machine instead, I left a message with my name and phone number but I have not been contacted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: PA

Complaint narrative:
I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX 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 non-monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My wife, XXXX XXXX was unable to work as of XX/XX/XXXX as she was declared XXXX by Social Security and received an award letter. In XX/XX/XXXX we contacted our mortgage company to apply for mortgage assistance which the mortgage company played games having us fax and re-fax bank statements, proof of income and my wifes award letter from Social Security. We were asked to keep resend this information for least three months. After the third month we received a letter of denial for any assistance from our mortgage company. At that time we chose to sell off some of our possessions and ask our family members to help us save our home, but we continued to pay our mortgage. In XX/XX/XXXX we received a letter from our mortgage company saying that we our mortgage was going up because our county taxes went up and for two years we failed to pay escrow. This was a fairly new mortgage company as our mortgage was sold in XXXX and we never had a problem with the old company. We checked and our state and county taxes are the same. In fact the new mortgage company sent us a check for escrow over payment. Now when I send the monthly payment it says payment for unapplied finds, mortgage went from XXXX to XXXX a difference of over XXXX without any REAL reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX 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 non-monetary relief
Consumer complaint received 2018-02-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Team I have had Credit monitoring service with Experian for several years and I had paid a monthly subscription fees for it. However, my subscription fees jumped to {$17.00} suddenly in XXXX. When I tried to call the customer service for an explanation and cancellation, there is a wait time of over 2 hours irrespective of the day and time of the week I call. I made several attempts trying to connect to the customer service and could never get across to them. I can not cancel my subscription online and have to rely on a non-existent customer service line.

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 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank has sold my signature i suspect because i traced down some numbers on a returned check to a financial institution in XXXX, strangly enough on another returned check i have from somewhere else i found the numbers in the lower right corner also that traced down to a XXXX corporation,,,,,,,,, so why is PNC bank asking me for or claiming i owe them something when they sold the original instrument of indebtedness and made plenty of profits, and why cant they produce the original instrument with wet ink signature, why is it a secret what they do with these signatures, look up the number XXXX and tell me what you find, im gettiing to the bottom of this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2018 I have been paying interest only on my HELOC ( BofA ). ( background information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX. They said the term is up and from my XXXX monthly payments ... it will now go up to {$270.00}. a month. 

I asked for a remodification of the XXXX owed. They sent me paperwork for NOT JUST MY HELOC ... but also for my first mortgage. Which I never asked them to do! 

Now I'm getting phone calls and they hang up on me when I try to respond! I will borrow the {$270.00} they ask for ( due XXXX XXXX, 2018 ) ... but am trying to find an outside loan source in the interim to get RID of this company. 

Are all XXXX XXXX  treated this way by Bank of America??

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 2018-02-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a paid and closed account on my credit file from XXXX XXXX XXXX. This account was paid and closed in XXXX of XXXX to this day equifax & XXXX XXXX the CURRENT STATUS as 120+ days past due. How can that be a current status when the account is paid and closed? and has been for over 3 years now. 

The current status should be reporting as XXXX & XXXX or XXXX, not late! 

This reporting is very damaging to me, and is causing me problems when I try to pursue a mortgage. this current status reporting needs to be corrected as its incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX received a judgement against me in the amount of XXXX. On XX/XX/XXXX they requested a Garnishment of my state income tax refund. It has been 8yrs and 5mos, way of the XXXX for the State of Michigan. This has been off my Credit Report for more than a year now. Now my return is being held. 
I will be filing a objection with the state as soon as I receive their notification in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
On XXXX XXXX my feelings were all over the place. I felt angry, deceived, and disrespected. I made an error on Complaint ID # XXXX and Im writing to correct it. My Loan Modification was approved on XX/XX/2018 and not XX/XX/2018, sorry about the error, but these 6 months dealing with XXXX XXXX XXXX has been pure XXXX. It was XX/XX/2018 when I received the call from XXXX XXXX claiming they didnt receive my XXXX payment. My XX/XX/2018 Payment was sitting in a Suspense Account. After praying to XXXX about all the chaos Im going through with XXXX XXXX XXXX, I realize this battle is not mines, its the Lord. I pray for all the people involved in wrongdoing, because I know that no good deed goes unpunished.

Company response to consumer: Closed with explanation