vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
I am the  XXXX  in this case. I already filed a complaint  XXXX / XXXX / XXXX  and not only has not been resolved but it is impossible to communicate with them once I enter the loan number. They sent a new application to the borrower ( FHA case that got a TPP with  XXXX  at the end of last year/first payment made/ XXXX  closed case in  XXXX / XXXX / XXXX  ) that I am about to submit and fax did n't go through ( twice ), I tried to called to confirm the fax number, three times and was put on hold by the system aroun d 15  minutes each time and nobody answered.  XXXX   XXXX , (  XXXX  )   XXXX     manager  of this account is never available, nor backup agent so, I finally left a message to  XXXX   XXXX  from the advocate team, (  XXXX   )   XXXX .   I am sending FHA  XXXX  agreement sent by consumer befor e HAMP expired.  XXXX   sold the loan on  XXXX   XXXX   XXXX  BayView  should  honor the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jason A Craig, PC
State: GA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX , GA  XXXX  (  XXXX   )   XXXX  4819 Reporting  to credi  XXXX / XXXX / 2017 . Negative impact to my credit by  JC & Assoc.      I requested validity of debt, including signatures, medical records , HIPAA fo r, to release information to this company and valid contracts  XXXX /2017. I have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: PA

Complaint narrative:
Notified on  XXXX / XXXX / XXXX  that my Credit Report had changed due to Collections filed against me with all  XXXX  major Credit agencies .by First  Financial Investment Funding . First Financial  had made no attempt to communicate with me regarding the debt prior to my discovery.   XXXX    provided me with their contact information. When I spoke with them they told me they had no obligation to contact me. I disputed the debt and asked for verification. With the information they had given me I contacted the debtor myself ...  XXXX   XXXX   XXXX ,  XXXX  Georgia. The Hospital faxed me documents from  XXXX  verifying the debt. I paid the debt immediately. Had  First Financial Investment Funding  simply followed the guidelines regarding debt collection my credit rating would not have been compromised. My research on  First Financial Investment Funding  has shown what they did to me constitutes the way they do business. If this company is allowed to continue this practice them the guidelines are meaningless. Aside from what they actually did, the few conversation I had with them leads me to believe there are issues regarding them that should concern us all. Because they did not follow the rules I would like them to remove all negative remarks from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

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 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contact all  XXXX  credit bureaus to update my date of birth. I have sent my drivers license and they are still showing the wrong date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A charge of {$5200.00} made on  XXXX   XXXX   XXXX  on my  Capitol  credit card was being disputed. The transaction dept o f Capitol One  requested documents in order to reverse the charge. They initially did so. On  XXXX   XXXX ,   XXXX    Cap One  requested additional info as what I had submitted " had value ''. I was told by phone and also in writing that I needed a second opinion by someone in a similar field ( real estate as I was challenging a real estate program purchase called   XXXX   XXXX   by  XXXX  and  XXXX   XXXX   ) , and that the opinion had to EITHER state why they felt program was defective OR how the program did not match the invoice, contract, etc. I was later denied reversing the charge because I did not have the second opinion person address both conditions instead of  one of two conditions. I have written Capitol One  on  XXXX   XXXX  and received a standard letter, similar to ones I received in the past. The correspondence from them dated  XXXX   XXXX ,  XXXX   XXXX , and  XXXX  did NOT request both issues or conditions be met.When I called after receiving denial letter I was told about the both not or conditions and that it was too late to submit anyway since it was past the  XXXX   XXXX  deadline. I even told them on the phone that their correspondence did not reflect their basis for their final decision and that it was misleading to me and other individuals disputing charges thr ough Capitol One. If you desire I would be happy to furnish copies of these  letters to you, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
verified that payday loans are illegal in NJ I am being harassed threatened by someone at this phone number  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A merchant called  XXXX  unauthorized charged our card without permission by deducting funds :  1 . Date and amount of  transaction1 :   XXXX   XXXX ,   XXXX   : {$180.00} ; {$25.00} for fee  2. Date and amount of transaction2  :  XXXX   XXXX ,   XXXX   : {$580.00} ; {$25.00} for fee We opened a dispute with  Citibank  on  XXXX    XXXX  . We had contacted Citibank no less than  20  times via  Citibank p latform, mails, including providing all the necessary documents multiple times ; however,  Citibank chose to ignore our request. This matter had been ignored by Citibank  for 9 months now.     We had no choice but to seek some help here in getting some update on this matter.

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 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
on  XXXX    XXXX   a young lady by the name of   XXXX   called my phone and stated that she could call my phone whenever she liked for people i do n't know, i asked her not to call and she said it does n't matter i will be putting it on her report, and i said i do n't know  XXXX   XXXX  and she say come on now yes you do, well it took me a while top figure out what company this was, so now i feel like she threaten someone she shouldn ' ; t have call

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian was contacted to update to current loan amount and that no loan payments are due at this time with  XXXX   XXXX  student loan. They are showing an amount of balance before  XXXX  in payment. Also they showd delinquent for  XXXX  which is not

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 2017-04-24 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  Last report  XXXX / XXXX /  XXXX  , negatively impacting my credit.     I requested for validity of this debt, including, signatures, valid contracts with this company and no response was received. If the debt can not be properly validated as requested to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loan was previously with  XXXX   XXXX  which recently got acquired by  Navient. When my loan got transferred to Navient , they changed the repayment terms of my loan without my consent or knowledge. At  XXXX , I was on a graduated payment plan paying $  XXXX . Navient changed this to an interest-only payment plan with a monthly payment of only {$160.00}. When I called to explain the problem,  Navient  claimed there was nothing they could do because they re-payment plan was based on information they received from  XXXX . However, when I called  XXXX , I told them the problem and they said it was not correct. I got a letter from  XXXX  with the correct re-payment terms and sent it via pdf ( through access to my account on their website ). I am still waiting for Navient to do the right thing. I am certain that I am not the only one who has suffered from Navient 's attempts to change the repayment terms to their benefit after they acquired  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple times I have sent TransUnion disputes on the following inquiries and they have failed to properly investigate or look into the issue.     These inquiries are fraudulent and not mine.     *   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   -  XXXX   XXXX ,  XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  I -  XXXX   XXXX ,  XXXX  *   XXXX   -  XXXX   XXXX ,  XXXX  *  XXXX  -  XXXX   XXXX ,  XXXX  *   XXXX   XXXX   XXXX   -   XXXX   XXXX    XXXX   XXXX   XXXX  -   XXXX     XXXX ,  XXXX  I have been a victim of True Name Identity Theft and they have more than sufficient amount of documentation to prove this. I have also attached the police report for these inquiries.

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 2017-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
I received a letter in the mail fr om ARA Inc. trying  to collect almost {$3000.00} that was originally owed to  XXXX   XXXX . But, I have never had an account with  XXXX   XXXX .     I called the  ARA  on  XXXX / XXXX /  XXXX   trying to talk to them. But, they insisted it was me that opened the account and gave me a list of my identity information. Some were correct ; others were not. Of course some were right because they have linked it to me identity.     They eventually hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: BB&T CORPORATION
State: FL

Complaint narrative:
I purchased a new vehicle on   XXXX   XXXX   XXXX   at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my   XXXX   XXXX   which was Financed with   XXXX   XXXX   XXXX  ,   XXXX   XXXX   obtained a 10 day payoff in order to send  XXXX  the correct amount owed. I started receiving collection calls from   XXXX    around   XXXX   XXXX   asking for payment from me I stated that I traded the vehicle in on   XXXX   XXXX   and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with  XXXX  but they did not remove it. The Dealership overnighted the payoff check on   XXXX   XXXX   and now my credit suffers because of 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 2017-04-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I'am  XXXX  and a victim of identity theft.I was referred to you by someone from the senator 's office and also my dear friends from the governor 's office.I'am trying to purchase a new home and to finish my education at     XXXX   XXXX   XXXX   college in  XXXX  nc.Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On   XXXX   XXXX    I recei ved an email from Chase Bank to confirm a request to update my Social Security number. I had not made any such request. On the fourteenth I visited my branch office on  XXXX   XXXX  in  XXXX   XXXX , LA. The manger there told me that the new  SSN i n their records was  XXXX . On the same day,  XXXX , the Social Security office here told me that the name with that number was not another fellow with my name, so I thought that this was n't a simple clerical error. Back at the bank branch, the  manager p ut my account right, with my SS number and new phone number. And to follow up, I forwarded the email to the abuse address  at Chase.      I want to know how the change effected my account. Who gained access to the account via the change? Why would  Chase up date the Social Security number of an account holder, given that Social Security numbers do n't change in a life-time? When and where did the request to change arrive a t Chase? Was there an email address associated with the request? Why would Chase change the  number and then confirm the request? Why not confirm the request before changing my Social Security number?     I have replies from  XXXX  XXXX  XXXX , but they seem robotic. I do n't have any expectation of personal attention to this. So, get other parties involved, such as the Consumer Financial Protection Bureau.     Thank you for any help that you offer to get answers from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I received a  XXXX   XXXX  Reward Debit  Visa card from  purchasing tires from  XXXX   XXXX . The card was issued by  XXXX   XXXX   XXXX   XXXX . Their phone number is  XXXX . The card expired on  XXXX . I still have funds in the card. I contacted the company, but they refuse to issue to me a new card or a check for the balance I have left in the account. Your assistance is must appreciated.     Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DISCOVER BANK
State: OK

Complaint narrative:
Prior to the   XXXX   recession, I was issued  a Discover Card w ith a limit around  XXXX . I was employed at the time, able to make payments. A week or  two afte r receiving the card, I received a call from a telemarketer selling Discover Bank 's protection policy. I was reluctant until the lady started going through all the benefits. I drug my feet, then she said that if I ever lost my job, through no fault of mine,  That  Discover Bank would pay off the balance owed on the card. In   XXXX   I was let go from the company I worked for due to the economy. I was also having health issues which prevented me from obtaining further employment, which at the  time20 %  of  XXXX  was out of work. I filed for Social Security  XXXX  which took over 3 years to complete.  XXXX  is my only sores of income. I currently live on the   XXXX   XXXX   in Oklahoma of which I am a tribal member.   Discover Bank filed suit in    XXXX   XXXX   NE . I received the summons, wrote a reply back to the Judge and then never heard another work until I received a notice in the mail that a hearing was held that I knew nothing of so the Judge awarded Discover Bank what they were asking for. I went back to visit with th e Judge  stating my side of the story and to remove the judgement. He said it was too late to remove it. He gave me all of  ten min utes of his time and then excused from the courtroom leaving me standing there before he heard all of my side of the story. I 've tried to get Discover Bank to dismiss the judgement but they will not budge. After doing research on the internet, I found complaint after complaint concerning Discover Bank operating practices. I 'm not the only fish in the barrel it would appear. There have been class action lawsuits against Discover Bank concerning their protection plan. We are at a stalemate. They can not garnish my  XXXX  payment and I am holding them to their word. Plus I have not the funds to pay them back. I am a product of the   XXXX   recession in bad health being held  hostage by a disreputable bank. The bank a long written off the debt, selling it to bill    colle  ctors for what eve r they can get.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Paypal has sent me to collections over two cases that were filed  against me since  XXXX   XXXX . The total is {$680.00}. First of all they have allowed individuals to open cases past their own guidelines. According to  Paypal, a case must be opened within 120 days. Both cases were well over 120 days. Unfortunately one of the cases I could n't find tracking info for so I figured I will have to pay the {$450.00} since I could  n't locate tracking. The other case was for {$200.00} and I provided them tracking info off  XXXX  showing the package was shipped. Because the package was shipped over a year ago,  XXXX  tracking was n't working correctly. Now they have sent me to collections and wo n't even speak to me. My calls go directly to the collection agency which basically insinuates this is an old debt when it clearly is n't even  two months old. Today I get an email that an individual is opening a case against me from a transactio n dated  XXXX / XXXX / XXXX  which is again well over a year old. I try to login to m y Paypal account and now ca n't even log in. This is a HUGE problem. How can I fight my case if they wo n't speak to me or allow me to login to provide tracking info. Another issue is I have a Paypal credit account which is basically their credit card which I also ca n't log on to and I use this to make my payments online. I do n't know where to turn but I f eel as though I 'm being treated very unfairly.

Company response to consumer: Closed with explanation