vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
On XX/XX/XXXX, I sent certified documentation to Midwest Recovery Systems proving that I did not owe three collection amounts that they sent and repeatedly update to the credit reporting agencies. These medical bills were covered under charity care and I sent MRS letters from the hospital. I also sent this to the junk  debt company before MRS -- XXXX -- and they deleted the information immediately. Although my letters were received by MRS , they choose to blatantly ignore me and FCRA laws and continue to harm my credit profile with impunity. They 've also re-aged ( dates are from XX/XX/XXXX, not XX/XX/XXXX ) and re-inserted illegally. The amounts in question are : {$37.00}, {$65.00}, and {$1000.00} ( originally only two accounts that they broke up into three to their benefit ) from XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX as indicated on the letters. Before I 'm forced to go to small claims court, I 'd like CFPB to step in. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
ditech my current servicer raised my payment without any notification to me. i have an arm and have consistantly paid extra to principal. i started get past due notices from them and i checked my bank acct which i have on auto pay and confirmed all payments have gone out ON TIME.  they have yet to notify if my increase was due to escrow shortage or change in payment, no phone call, email, or mail

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Earlier this year I discovered that my electric energy supplier had been switched without my knowledge or consent. I immediately contacted my desired supplier and my supplier was switched back at the conclusion of the next billing cycle. 

Shortly thereafter, I received a bill from XXXX XXXX ( " XXXX '' ) for {$99.00} representing an early termination fee. I contacted them, told them I never approved a change and asked them to cancel the invoice. They refused and referred the invoice to Transworld Systems , Inc. ( " TWI '' ) for collection. I advised TWI of all above facts. On XX/XX/17, TWI supplied me with what they referred to as material they received from XXXX. Such material consisted solely of a copy of XXXX 's invoice. This hardly supports their contention that a contractual agreement existed. 

By letter dated XX/XX/17, TWI also asserts their right to charge accrued interest and " other charges as provided in your agreement with the original creditor or otherwise provided by state law '' This appalls and frustrates me since there is not nor ever was a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have made 3 separate attempts to request modification of my adjustable rate mortgage loan, that keeps going up. I am struggling to make the payments and Chase has refused to help or support me in any efforts. The adjustable rate continues to rise and Chase has no concern to help me in this matter. Once again, I have requested loan modification 3 separate times. As a XXXX I feel that Chase is taking advantage of me as a predatory lender. I have never missed a payment nor have I ever been late, but I am struggling and I fear that I may lose my home and go into unfair debt. I request that Chase immediately place me on a lower fixed rate. On todays date, I spoke with Chase employee XXXX XXXX with the Chase XXXX service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
i 've been trying to lift temporarily a security freeze with Equifax and they wo n't do it online nor on their telephone automated service ... they just tell me to mail it to them and hangup on me. i have had a credit freeze for many years and the other XXXX bureaus are all accessable online and by phone when i need them. but not equifax. not only do they loose my personal information through a breach but then deny me access to lift my credit freeze. I use to call a number to get a human being to help me but Equifax cancelled that line. " no longer in service '' XXXX. I used it last month to get my mortgage. Today disconnected. This is not customer service. 

How can i mail them a request when I do n't know when they 'll get the letter nor confirm they got my request and have lifted it. Why ca n't Equifax equal services that the other XXXX bureaus offer to consumers that are victims of fraud? Their answer is mail it? for what date? I need it TODAY! not in a month. They are really messing with me and with every consumer they just SHUT DOWN AND HUNG UP ON by the elimination of their phoneline to help us. 

Attached is a screen shot of their helpful information ... note that they give contact info and phone numbers for the other XXXX bureaus and ZERO for themselves. They need to be taught how to treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: GA

Complaint narrative:
on XXXX XXXX, I bought into a special discounted rate for season passes at XXXX XXXX over Georgia and paid {$64.00} total that day on a {$150.00} total price ( {$40.00} of which was not required ) On XXXX XXXX and XXXX XXXX my card was charged {$14.00} both times for a total of {$94.00} in all, sometime in XXXX my credit cart company sent a notification about a charge to my card I had not made. 
That card number was canceled and I got a new card, for whatever reason it took me XXXX or XXXX weeks to get a new card, ended up with XXXX replacement cards showing up all at once within the same week. 

XXXX XXXX emailed me about the card not working, I responded with a explanation as to why and what was taking place ( I 've yet to set foot within XXXX miles of the park yet ) Once I did get a replacement card in hand I tried finding the email from them to give the proper card info. I looking for email, I found XXXX from them stating my privileges for said passes had been deleted or restricted. 

From the time I bought tickets until this, my XXXX had a XXXX, would n't be able to go anyway. I decided to accept the {$94.00} loose on the {$150.00} purchase ( with only {$59.00} left to pay ) and move on. 

then I was notified by Equifax that my credit score had taken a hit due to a account being placed into collection?? I had no idea what this was due to only that my score took a XXXX+ point dive. I found the issue with XXXX and reported it to them, since then nothing has been done as I expected. 

p have XXXX issues on my credit report that are incorrect I have sent documentation showing this, nothing happens to fix it or worse it gets handed over to a different collection company to hit my score again, I 've been dealing with some of these issues since XXXX I kid you not. 

I 'm tied of spending money trying to fix this, talking to people who cant or wont fix issues where I have shown them documents proving my case only to hear " we only report what they sent us, their report outweighs your conflicting dispute info. 

In XXXX I had XXXX disputes where both XXXX XXXX XXXX and XXXX both said I owed them {$480.00} for a cell phone, sent receipt where it had been returned within time limit, they answered each dispute with a new collection agency for Years XXXX my credit score taking a XXXX point hit each time, XXXX times each year times XXXX, well over a XXXX point hit. I finally contacted the FCC and they fixed the issue neither company or Equifax would fix BUT I never got any points put back to my account that were stolen from me. 

the whole big XXXX credit reporting agencies I paid well over {$2000.00} to over the last XXXX  years has beena waste and a bad joke and to add to it, they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
ACTION : TD Bank called on XX/XX/XXXX at around XXXX Spoke with representative and supervisor. 

PROBLEM : I recently signed into my TD Bank account and received a pop up marketing message that tells me that my account has been " overdrawn/ATM card declined and that TD could have prevented this at their discretion '' in an attempt to get me to sign up for overdraft protection. The statement is a lie. I called TD Bank and had them confirm my account had not been overdrawn or ATM card declined. I asked for a supervisor who told me this was just a marketing practice and that she could not help me. I was referred to my bank XXXX. Even though their is no fee for the overdraft protection, by signing up you agree to be charged {$35.00} ever time you overdraft your account in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D&A Services, LLC
State: FL

Complaint narrative:
We have caller ID at work. A call came in to my work place which is against the law to do. Especially calling a total of XXXX times today. Other co-workers answered it and patched the call to me thinking it was one of my clients. The girl called herself XXXX XXXX and said my phone is being recorded and bluntly said my social security number which is very scary and just wrong. 
The call came in on XX/XX/XXXX-XXXX times that day. 

They should not be in business harassing people at their work and collecting a debt not even saying what the debit is for just screaming out my social security number. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a XXXX XXXX with BoA. Recently I was XXXX by XXXX XXXX. I had purchased XXXX insurance. My insurance company has sent a check to me, however BoA XXXX department refuses to give a XXXX XXXX to cash this check. I am not required to have XXXX insurance and do n't understand why BoA just ca n't give authorization. They are not required to be on this check because I am not required to have XXXX insurance. I have spent approximately {$25000.00} on my credit card. Why do I have to spend money for my expenses when all BoA has to do is release the check. Homeowners should not be XXXX twice. This is such a XXXX time in life when you have your entire space interrupted. Why does the XXXX department add to this XXXX? I would appreciate any assistance you can provide. Thanks in advance.

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 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
Hello : I am the original owner of my property at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX since XX/XX/XXXX. In XXXX XXXX, my family moved to XXXX, FL for work, and then to XXXX, KY in XXXX. At the high of the financial crisis, we were able to refinance the mortgage at 2.0 % ( $ XXXX ) fix rate under the XXXX. Obama HARP program via XXXX XXXX. We paid rent and the mortgage for XXXX year, before moving back in XX/XX/XXXX. In XXXX, Ditech took over the mortgage from XXXX, they immediately increased my fixed rate to 4.0 % ( {$1500.00} ), to 4.25 % ( {$1900.00} ) in XXXX XXXX and started charging me monthly fees saying that under HARP program, there was no more XXXX day grace period. In addition, the $ 800+ escrow amount for mortgage overpayments set up by XXXX disappeared from Ditech account records with no record to those funds being applied. Since,XX/XX/XXXX, Ditech has refused to apply my monthly mortgage payments, because I refused to sign a new agreement, for a XX/XX/XXXX year at $ 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 2017-10-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
free consultation at XXXX XXXX care XXXX ran my credit for wellsfargo and XXXX XXXX was approved wellsfargo XXXX XXXX XXXX XXXX used up XXXX i got back XXXX in my acct because i cancelled XXXX plan now being charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX fee XXXX XXXX XXXX Fee XXXX XXXX Total amt that wellsfargo charging for is 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 monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland is calling about an XXXX account that is XXXX years old. I have been with XXXX since XXXX and can be verified. I filed bankruptcy in XXXX and this account should have been included. Every time a collection agency acquire this account they change the open date. This was from past XXXX therefore should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's is the only credit card that will send me a bill and after I pay it in full I receive another bill. After contacting them, they claim it 's additional 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 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
I recently discovered this collection account on my credit report. I have no idea what it is about and never received a letter of right to dispute. Credit reporting laws require that I be given proper notice and time before any collection activity is started against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: KY

Complaint narrative:
On XXXX XXXX I applied for a home mortgage. I contacted Movement MortagXXXX online and submitted all documents needed with XXXX XXXX. I received a Commitment Letter saying I was pre approved for a $ XXXX loan with FHA XXXX XXXX down. I was excited and went looking for a house. XXXX said he wanted to submit it to the board to make sure it was all going to be good. He came back asked for a few more things, was all good. I put a offer in on a house, put money down, was very excited. Then he called said He could n't use my child support, which was a large part of my income. This was not hidden, So then he said if you pay off your XXXX XXXX loan, I can still get you to budget. I was like how can I come up with another XXXX XXXX... My boyfriend went out got money to pay it off, was a stressful few days to figure that out. I was at bank depositing money get a call from XXXX XXXX, sorry your loan is no longer approved even if you paid the loan off. I paid off all credit cards, only thing left was my car payment. I was so upset and embarrassed. My heart was already with this house. I put money down and paid for a appraisal. I did fight to get those back, but never wanted to be in that spot, that 's why I got a pre-approval letter. I have been so upset and stressed over this, and do n't think this should be right! I told everything up front. I am a single mom and just wanted better for us. The sad thing is I pay more in rent than my payment would of been! I have been my job for almost XXXX and lived in same place XXXX. Just sad a mortgage can do this! So I do n't recommend MOVEMENT MORTGAGE. IF any documents are needed I can provide, I KEEP EVERYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMB, Inc.
State: NC

Complaint narrative:
RMB is reporting a debt in the amount of XXXX on my credit reports. I did not authorize this account nor do I accept responsibility for this debt because it is a result of identity theft. I have disputed this debt with the credit bureaus and have sent the police report but they still continue to report this account which is very damaging to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several inquiries that I did not give consent to run my credit! 
Please remove them from my Transunion Credit Report! I have no knowledge of these inquiries and no account attached to them! Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when i have contacted the creditors and the creditors have no account? Furthermore, the have no knowledge with me doing any business with them. I have supporting documents as proof that these creditors have requested deletion of these inquires.

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 2017-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC.
State: WA

Complaint narrative:
I took out a loan XXXX/XXXX/XXXX in the amount of XXXX with a XXXX dollar finance fee. The loan defaulted after that and was sent to their corporate collection XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX was sent to a third party debt collector called XXXX XXXX XXXX. I can no longer way check into cash for this debt and have to deal with XXXX XXXX XXXX. It is my understanding once sent to a third party collection that your loan needs to be close in the XXXX XXXX XXXX. It has not been close and it is over a year later

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
unlawfully Interruption of Charge Privileges I HAVE AN AMERICAN EXPRESS CARDS THE DUE DATE IS THE XXXX OF EVERY MONTH XXXX IS CHARGE CARD THE I HAVE TO PAY IN FULL EVERY DUE DATE THE OTHER XXXX IS A CREDIT CARD THIS IS THE SECONT TIME THEY PUT A HOLD ON MY CREDIT CARDS WHEN IS NOT EVEN CLOUSE TO MY DUE DATE AND THEY ASK ME TO MAKE PAYMENTS EARLIER THEY REQUESTED ME TO MAKE PAYMENTS BEFORE THE DUE DAY OF MY PAYMENT AGRETMENT ACCORDING TO THE AGREEMENT OF THE CONTRACT THAT I DID WITH THEM AND THEY DO THIS ONLY TO THE XXXX AND OTHER XXXX THIS COMPANY AMERICAN ESPRESS HAVE A HISTORY OF PROFILING IN THEIR COSTUMERS SPECIALLY ON XXXX AND XXXX PLEASE OPEN AND INVESTIGATION AND MAKE SURE THEY DONT BREAK THEY CONTRACTS AGRETMENTS AND PROFILING ON THEIR COSTUMERS, HERE IS THEIR LATTERS AND I THINK IM A VICTIM OF PROFILING. unlawfully Interruption of Charge Privileges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
The debt account that Im filing a complaint against is XXXX XXXX. The debt was bought from XXXX XXXX/Synchrony Financial in the amount of {$220.00}. On my credit file it is stated that the balance owed is {$0.00} but the debt was bought by XXXX XXXX and reaged on my credit file.

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 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kross, Lieberman & Stone, Inc.
State: NC

Complaint narrative:
Kross, Lieberman, and Stone continues to report an account in the amount of {$150.00} which was a result of identity theft. I have disputed this fraudulent account and have furnished the police report. This willful noncompliance is causing me damages and has negatively affected my credit score

Company response to consumer: Untimely response