vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Since  XXXX  of  XXXX  I was on a repayment plan with  XXXX   XXXX  mortgage that was to end in  XXXX  of  XXXX . The payments were for  XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled,    XXXX   XXXX     mortgage is stating that the repayment plan was set up incorrectly with  XXXX   XXXX , whom is supposed to be a " dedicated loa n specialist.  ''  XXXX   XXXX  is reporting to the credit bureaus that at this time I owe since  XXXX  of  XXXX . This is incorrect and I have fulfilled th e five  months and total amount due of  XXXX .  XXXX   XXXX  has claimed today,  XXXX   XXXX ,  XXXX , that the repayment plan was set up incorrectly- they should have certainly noticed this during the  five m onths they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and  XXXX   XXXX  is the only company that does not have me current on credit reporting. Now that I am current with  XXXX   XXXX , they need to update the credit ASAP.

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Since XX/XX/XXXX I was on a repayment plan with XXXX XXXX XXXX  that was to end in XX/XX/XXXX. The payments were for XXXX  due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled, XXXX XXXX XXXX is stating that the repayment plan was set up incorrectly with XXXX XXXX, whom is supposed to be a " dedicated loan specialist. '' XXXX XXXX is reporting to the credit bureaus that at this time I owe sinceXX/XX/XXXX. This is incorrect and I have fulfilled the five months and total amount due of XXXX. XXXX XXXX has claimed today, XX/XX/XXXX, that the repayment plan was set up incorrectly- they should have certainly noticed this during the five months they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and XXXX XXXX is the only company that does not have me current on credit reporting. Now that I am current with XXXX XXXX, they need to update the credit ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
JP Morgan  Chase bank reversed fraud on my account. Below is the letter they sent to me. I have never shopped at  XXXX . I had my bag stolen that had multiple credit cards and my passport and DL in it.  XXXX  immediately stoped any charges because they thought there was fra ud. Chase however did not. I am disputing a charge of someone shopping at   XXXX  in North Carolina. Below is what they sent to me.     Dear  XXXX   XXXX   XXXX , Thank you for contacting us about the following transaction (  s )  : Date posted :    XX/XX/2017   A mount : {$260.00} During our research we found that the merchant provided the product or service you were charged for. That means the charge is valid, so we will reverse the temporary credit we issued to your account. We consider this case closed.     Please contact us anytime with questions or concerns. We are here to help and are committed to providing you excellent service.     If you require further assistance, you  may  contact us at  XXXX   International c ustomers please call  XXXX . Our Customer Claims Analysts are availabl e 24  hours a day, 7 days a week.     Thanks for banking with  Chase Customer Claims Specialist  Claims Department Number  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax, should be investagated.  Two y ears ago i had a problem getting my online annual credit report due inaccurate questions that i couldnt answer because i never had mortgage or car loan. Or lived at the addresses Equifax has for me! I had to mail documents as to my identity. Weeks later and after a call i finally got my credit report with inaccurate information on it. I had no problems with the oth er two cr edit reporting agencys and the disputed inaccurate information was taken off my report   XXXX    a andd    XXXX  . I have been fixing my credit over the years And t he Correct  information is  Paramount  when it 's about your credit worthyness. EQUIFAX should be investagated by The Attorney General because there are hundreds probably thousands of complaints online about Equifax of people having the same problems with inaccuracies EQUIFAX Refuses to fix these problems. Credit is important to the lives of all americans AND EQUIFAX IS NOT A REPUTABLE REPORTING AGENCY. AND SHOULD NOT BE USED FOR CREDIT REPORTS. I should be able to view my online credit report online instead of having to mail and send the same documents again because EQUIFAX WAS GIVEN THE RIGHT INFORMATION BUT REFUSES TO USE IT. PLEASE DO SOMETHING ABOUT THEM. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I am currently in an active Chapter XXXX Bankruptcy and current both the plan payments and my mortgage. My homeowner insurance premium changed drastically ( for the better ) last year and my monthly escrow payment never changed. I never received my 2016 escrow analysis and have requested this several times ( as has my legal counsel ) from my servicer ( Nationstar Mortgage, LLC ) by phone. I am mailing them a letter to request this again and copying my bankruptcy attorney. What can I do? I know my escrow payment is much higher than it should be but I can not get the servicer to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Genesis Lending
State: VA

Complaint narrative:
I just got a letter on   XXXX   XXXX   XXXX    abo ut the deceptive practices for  XXXX   college that  I attended in  XXXX  and graduated  XXXX  from the  XXXX   XXXX   XXXX   Virginia Attorney General. I had  a Genesis loan  that I had paid off in the meantime. I found my letter from them when I got this loan back in  XXXX   XXXX . I have tried calling the number on this paper (  XXXX  )  XXXX , which w as Gensis  lending which then referred me to these  XXXX  numbers (  XXXX  )  XXXX  or  XXXX   XXXX   XXXX   XXXX . These  XXXX  companies have no information because I have paid off my loan. So I do n't know about how to go and get information for them to refund me the amount I had paid them.

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 2017-05-05 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I had an outstanding hospital balance (   XXXX   XXXX    XXXX    )  from   XXXX   XXXX   XXXX     show up on my credit report. The balance has been paid but unfortunately between moving and etc. I do not have the receipt where I paid the bill. It is showing up on my credit report under  XXXX  different collection agencies. The amount showing due is {$500.00} I have never received any notice regarding an outstanding balance nor have I received any notification from a collection agency. The  XXXX  collection agencies are  XXXX   XXXX   XXXX  and WAKEFIELD. My  credit score  dropped  XXXX  points just this week due to this showing up this week.

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 2017-05-05 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: Capio Partners, LLC
State: MO

Complaint narrative:
Tried to call company this company is called asset care is not a real company ass ets care In  c. are scammers this company people are playi ng on phone this who ever they are called tries to take money they need to be investigated I do n't owe anything are any body they illegally put  XXXX  bad collections on my account no I want these removed asap and for you all to sue them for wrong practicing its against the law to put collections on ones account with out them knowing are knowing about it never received anything from them do n't now company. she says her name was  XXXX  refuse to give me any information about me just demanded money and very rude and bad threats no one should have to put up with this cruel punishment is horrible the things these people do to get money illegally this are these people are not who they say they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc.
State: GA

Complaint narrative:
Despite my formal notification to the collection agency on  X/X/2016    that the charges assessed me by   XXXX   were fraudulent and the evidence I submitted indicating that the utility company actually owed me money because of the many  XXXX  and late fees erroneously assessed to me either by or because of the utility company over the course of my 14 years as a customer,  XXXX  failed to forward the charges back to the creditor -- as required by Federal Law -- and went ahead with reporting the debt to the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: CA

Complaint narrative:
Assetcare LLC  is reporting  XXXX  false accounts on my credit report. I 've never heard of  Assetcare LLC  nor have I ever done business with them, nor do I have any contracts with  Assetcare LLC. Assetcare LLC  has never sent any kind of correspondence to me in an attempt to collect this alleged debt, so since they have provided any legal documentation, nor have they reached out to me I believe this debt is in valid and needs to be removed from my credit report ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Managment h as a collection under my name for credit card debt in the amount of {$180.00}, which has a settlement offer of {$110.00}. I called to get more information and possibly pay online after proper verification but was not satisfied by their response and their insistence that I pay over the phone. Before hanging up, they asked if they could call me to which I said "  No '' .     After terminating the call I was able to determine that the representative who I spoke with made false claims, including that the collections would be added to my credit report when the debt has already exceeded the statute of limitations and was recently removed from my credit report. Now I understood their insistence and possibly their reason for lying and was not longer going to pay until I was given proper verification.     The following day, I was contacted by the same representative, again claiming that this would add the collections to my credit report. Once I mentioned that I had previously stated that I did not want to be contacted and that I found out that he lied, I was placed on hold because he had " another call ''. After waiting, I explained that I know he lied and that he contacted me after I expressed that  they may not. Both of which I believe are violations of the Fair Debt Colle ction Practices Act.     In summary :   1 ) Midland Credit Managment 's representative lied about actions they would take to affect my credit.
2 ) Midland Credit Managment 's   representative contacted me after explicitly being told they can not contact me.     Further details available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Found a private loan company on the internet in  XXXX   XXXX , NV The name or company is  XXXX   XXXX   XXXX . I reached out to the loan officer,  XXXX   XXXX  Did not think anything suspicious because the number was a Nevada number. We had conversation for a few days and led to a promissory not signed by both. The loan amount was  XXXX  for a refinance. The origination and  Doc  fee was {$1300.00} I received bank account info to Chase bank with acct # and routing number. Account name also. The note was signed by  XXXX  on  XXXX   XXXX  and signed by me on the  XXXX ,  XXXX  days later.. I have not heard anything from the loan company other than they said the bank wanted 1 % of the loan for closing. This was not a bank loan, it was a personal loan through this investment company.  XXXX   XXXX   XXXX   XXXX . I have filed a complaint with the fraud and claims dept. at my bank which is   XXXX   XXXX   XXXX  .     I 'm asking for help to try to get my fee back.   XXXX   XXXX   XXXX   said that they will file with  XXXX  but, if the account holder does n't want to transfer the monies back or does n't respond, there is nothing do be done! Is n't this illegal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have ha d a Health Savings  Account with Bank of America for serveral years. I had saved $  XXXX  in that account and had most of it invested in mutual funds that I had chosen. In  XXXX  Bank of America upgraded its website for health savings accounts and migrated to a new site. As part of that process they sold all of my investments without my knowledge or authoization. Some of the mutual fund sales were in  XXXX  and some in  XXXX . They placed the proceeds in a cash savings account, but they have not sent me a statement or notice of the transacations on my account.     I had an online chat session with a representative at BoA ( see attached for transcript ). I was told that they had notified me and referred me to this web page :   XXXX   XXXX   XXXX   This page obscurely mentions that if I have investments I should be sure to check a box for auto invest. It does not explain that my investments would be sold. I did n't check the box because I do n't want " auto-invest '' I just want my investments to stay invested the way I had set them up.I do n't think I was given adequate notice of their intentions with my investments.

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 2017-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
They had me on the wrong payment plan for months, they finally fixed their mistake, but had been overcharging me the entire time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for MEDICAL DATA SYSTEMS license. I have found they are in direct violation of  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. MEDICAL DATA SYSTEMS does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNE  SSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager  who has submitted an application on a form prescribed by the board.  TENNESSE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  MEDICAL DATA  SYSTEMS is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
XX/XX/XXXX      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , Arkansas  XXXX ,  Re   :  XX/XX/XXXX   letter from  GMAC on  " NOTICE OF RIGHT TO FORECLOSE "   XX/XX/XXXX   from  XXXX   XXXX   XXXX ,  GMAC loan  #  XXXX  /  XXXX   XXXX   XXXX  ) It was a sub-prime loan 2 )  XXXX  on firs t mort. 3  )  XXXX  on HELOC  ,4 ) I t had an ARM teaser rate for 2 years and then went up {$400.00} per month  5 ) It   was a conventional loan with no default protectio n ,6 ) I t had a balloon payment of  XXXX  at  XXXX  yrs. maturity when I will be  XXXX  yrs old! ( Called packing in the industry )  7 ) T he loan in question appears to have been premeditatedly designed, engineered and deliberately fabricated for failure knowing I would never live long enough to satisfy the debt!  8  ) When one looks at the scenario ; it is  RACIAL PROFILING & P REDATORY lending of the highest order on the elderly! Today I am an  XXXX   XXXX   XXXX   XXXX   XXXX  Veteran of the  XXXX  (  XXXX  ) with an   XXXX   XXXX   who would like to spend what time I have left in my home of  XXXX  yrs! A  XXXX   XXXX  to evict me from my home on was issued    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
kept my {$79.00} annual fee. They also kept giving me bad information over  the phone.I receive d   XXXX   XXXX   XXXX   credit card  XXXX  from Bank of America soon after  XXXX   XXXX ,  2017. In  order to get my  XXXX  reward points from them I needed to spend {$1000.00} within 90 days. I quickly spent over {$1000.00}. What I did n't realize was that a {$20.00} return went against this credit card. I watched  XXXX  to see if my bonus points had posted because I was planning a vacation. I called Bank of America on  XXXX   XXXX  to find out where the points were. The representative told me that I only had {$990.00} plus on my account, but that my 90 days were not up and I could make a purchase and get my points. I immediately made a {$10.00} charitable contribution online on  XXXX   XXXX .     I kept being told that my case number  XXXX  was pending. I was promised resolution dates that were miss ed three time s. Today, I was told I would n't get my bonus points and I cancelled my card.     Bank of America charged me a {$79.00} annual fee for this card. It was worth it to me only because of the bonus points.     I spent {$1000.00} on this card within the contractual 90 days. Bank of America did n't give me my bonus points and has kept my {$79.00} annual fee.

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