vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Multiple repeated calls from Syncrony Bank after they were informed to stop previously. Recent calls were XX/XX/XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, XX/XX/XXXX XXXX XXXX. Voice messages were left at XXXXXXXX XXXX, XXXXXXXX XXXX, and 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 2018-06-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I disputed some bankruptcies listed on my credit report with XXXX XXXX as they were the agency that was used to verify the information. I received a letter from them stating that the information could not be verified and and would be removed from my public record. I have included the letter that was sent to me. 


I then contacted all 3 credit reporting agencies, notifying them of the removal and they should follow suit. I receive a response from Experian on XX/XX/2018 that the bankruptcies that were listed were valid because they were verified within 30 days. 

I contacted XXXX XXXX to confirm that the removal had taken place which in fact it had. I will be receiving a confirmation letter in 7 to 10 business days. 

I then contacted a representative at experian to obtain clarification. She explained that the bankruptcies are listed as public record and that someone physically goes to the bankruptcy court to obtain this information. I then asked for that person but she failed to provide me a name. She then in turn stated that they call and obtain the information I then asked " what prompted you to contact the bankruptcy court to see if I had filed a case? '' she stated that it was public record. I then explained to her that my public record is created by some entity which they used to obtain this information. I would like to know what that is. What are your policies and procedures for obtaining public record information? She stated and continued to state that she did not have that information and no one in the office could provide me with that information. 

I took the liberty of contacting the number that is listed on my credit report for the bankruptcy court. I spoke with a representative that stated that they do not provide this information to any credit reporting agencies it has to be requested with the person 's valid information or it can be accessed a system called " XXXX '' which anyone can create profile and gain access.

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 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: SC

Complaint narrative:
XXXX XXXX XXXX ( ERC ) placed an account in collection on my XXXX credit report between XX/XX/2018 and XX/XX/2018. ERC placed the account in collection without notifying me. I refute this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
Law off of Mitchell D Bluhm XXXX XXXX XXXX XXXX, XXXX TX XXXX called and stated I owed a medical debt and tried to obtain my personal information. They stated it was for a stay at XXXX XXXX Hospital, though I never had a stay at XXXX XXXX Hospital. I asked that they Validate the Debt and send something in the mail regarding the debt. They did not do that. I sent a certified letter requesting the debt validation, which I have not received at this time. However, They posted a negative debt collection on my credit report. Several attempt to call the company and I have gotten only a voice mail and not return calls. They claimed the debt is from 4 years ago. I have never once gotten a call about this debt until I got the call from this XXXX Law office. When I looked them up on the maps they are in a a warehouse. Upon calling the police department there they said there are no law office there. Just transportation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
Mr Cooper formerly nationstar has XXXX workers there. But know one cares.. 
I have been applying for this scam of a modification for 7 years when I finally was accepted I sent over 15,000.00 and someone in the Dept cashed the checks and kept them. Why is it so difficult to find out this information.. 
I've been waiting on hold here In the mean time the house had a electrical fire and my son was in the hospital and recovering from XXXX from the fire. 
Still no help from nationstar. 
XXXX XXXX took all the money Her phone number XXXX Why can't anyone find the theif there Why do I have to suffer for 7 years because of nationstar workers.. 
No one has cared to help me over this terrible case .. I'm a victum here I have been waiting for a response from loss mitigation. I get nothing. My attorney gets no response because for 2 years they have failed to update my attorneys new address.. 
My hands are tied with this fraudulent company .. 
Please please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My family was scammed out of a home we tried to purchase. We made 2 payments of XXXX $ via XXXX to XXXX as a down payment for a new home. First payment was made on XX/XX/XXXX and second payment was made on XX/XX/XXXX. I notified my bank and they restored my money along with a new card. They just sent all the money back and charged me causing me to go broke and late on payments. We have a police investigation open as well case # XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
In XXXX, I received a phone call from Choice Recovery whose a debt collection agency trying to collect on a debt. I told them cease collection attempts since I did not know who they were and to correspond only by mail. About a week or so later I received a debt collection letter indicating I owed close to {$400.00} for 2 bills from something that occurred in XX/XX/XXXX. I then sent certified letter to the company requesting " DEBT VALIDATION '' within 30 days and NEVER heard back by mail from said company. I know after 6-8months creditors and debt collections agencies can add negatives marks to credit report so in good faith on XX/XX/XXXX I called and said I'll take ownership of this balance ONLY IF this debt is NOT placed on my credit profile and setup payment arrangement in which the collector XXXX XXXX OR XXXX setup. On XX/XX/XXXX, I received an alert from credit report that BOTH collections account are now appearing. On XX/XX/XXXX, I contact XXXX and asked why, she said their system shows they sent a response in which I told her I NEVER received, she said she don't know why and they cant update my credit report to fix it issue. THIS IS BEYOND ridiculous. I asked to speak with a supervisor in which I was not able to. This company needs to fix their tactic. How does the consumer have right to dispute debt and NEVER hear back from company certified mail ensuring I received a response from them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The credit bureaus, Transunion, XXXX and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.

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 2018-06-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: NM

Complaint narrative:
XXXX XXXX is the company name. Ability recovery services is the collections agency. I have recieved repeated harrassing phone calls from which i have no knowledge of such account in which both refuse to furnish proof that it was my doing. They have said it is an online school that was done online. Therefore they can not furnish proof. I have placed disputes with The credit agency 's XXXX, XXXX and 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 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a XXXX on XX/XX/17. Since then I have asked for XXXX accommodation and for last five months Wells Fargo bank branch in XXXX XXXX zip XXXX has denied that. 
After at least three complaints to their customer service department I received a letter stating they are going to close my accounts in next three weeks.

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 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I paid a bill using " bill Pay '' through my local bank checking account. The bill was to the XXXXXXXX XXXX XXXXXXXX for {$150.00}. This was a utility bill payment to the XXXX XXXX XXXXXXXX, OK. The bill pay check was printed and mailed but stolen during the mailing process. The stolen check was then cashed at a Chase Bank even though the check was clearly made out to the XXXXXXXX XXXX XXXXXXXX. Chase has decided to not share ANY information regarding the check cashing transaction. 
Date of stolen check : XX/XX/XXXX Date stolen check was mailed : XX/XX/XXXX Date stolen check cashed at JPMC XXXX XX/XX/XXXX I have filed a police report. 
I have filed an electronic debit dispute with my local bank. 
My complaint is with Chase Bank carelessly cashing a stolen check clearly made out to a municipallity and should immediately reimburse those stolen funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The credit bureaus, XXXX, Equifax and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The credit bureaus, XXXX, XXXX and Experian wrongfully removed two  accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ). 
When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary. 
I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.

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 2018-06-08 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
This loan was originally obtained in XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my XXXX report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XXXX as expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XXXX. I contacted XXXX  via telephone and the representative notified me that as of XX/XX/XXXX XXXX reported that I was only 180 days late on the account. By my calculation a delinquency from XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to XXXX. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
The company has placed a collection entry on my credit report. I don't know what the debt is and they never notified me in advance so that I could request account level documentation that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to the Chase.com website to open a military bank account and I did this on a PC then on an XXXX and at the end of the application they told me it went through and then kicked it back and said oops something went wrong. So they processed it 3 times and then kicked it out of the online system and said that I had to try again. 
Attached to my email is the video

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

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 2018-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OK

Complaint narrative:
I submitted to PennyMac the note with my original signature and notarized on XX/XX/XXXX. They responded on XX/XX/XXXX stating they would conduct a full review of my loan. Then on XX/XX/XXXX letters were sent which will be attached requesting them information on my loan. Which were notarized and sent certified mail. On XX/XX/XXXX they responded stating thank you for requesting a reinstatement quote. Then on XX/XX/XXXX I received a letter that they were currently conducting a full review of my loan. Then no response and then found out they have filed foreclosure on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX a fee of {$450.00} dollars was charged by Navy Federal Credit Union for an appraisal. I was dissatisfied with the service and canceled the appraisal and closed with a different company. Navy federal has refused to refund the {$450.00} dollar charge and can not provide the appraisal since it was never completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I had added so much extra $ to principal I am 8 months ahead. 

OnXX/XX/XXXX I tried to make my regular payment on line but I could so I called to find out why. 
The girl said it was because the loan was almost paid off so she would have to do it on her end. After some research on her end she came back and told me an amount of {$1900.00} so I said fine and she put it into the system and it got paid. 

Later that week I received a payoff statement for the amount of {$5800.00} in the mail. This was an incorrect amount so I called them. I got no help immediately but finally got to a supervisor who saw it was over {$1500.00} higher than it should be and she said it would be corrected. 

I didn't receive any thing new so on XX/XX/XXXX I called in to make a payment again. The girl said she didn't know how to handle this so she transferred me to another supervisor. She suggested I just make my regular payment ( {$2600.00} ) since there was some confusion and she would have another final statement sent out. I made the full regular payment as she suggested. 

I received a final payment statement and wired the {$1400.00} as was asked for prior to the date asked and paid the loan off in full. 

The problem is because I didn't pay the {$5800.00} wrong amount on the payoff they sent out after I made the XX/XX/XXXX payment the are some how showing me 60 days late. I need to refinance because of a recent divorce in a limited time and I cant talk to anybody in the credit department. I have spoke to one supervisor XXXX ( XXXX ) XXXX XXXXwho has tried to help but her hands are tied. I also talked to an XXXX XXXX ( XXXX ) XXXX XXXX who said he could see where it was incorrect and would do his best to fix it The fact the are reporting this wrong could cost me my house. 

I paid every payment I was told to pay when I called in They no the final statement for XX/XX/XXXX was in the wrong amount and they don't care. I called in and spoke to them every time I made a payment and THEY gave me the amounts and said everything was fine, I don't have 30 days to fix this and they don't care. I could lose my house because I cant get this fixed. 

Even if they just took the 60 late off the report till they figure it out it would be fine but they wont even do that They dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have been constantly receiving phone calls from a company called national credit adjusters trying to collect money from me. I have never heard of this company until a few weeks ago. They are calling me from a ( XXXX ) XXXX number and also from a ( XXXX  ) XXXX number. They have called me late in the evening on some occasions and won't stop even when you ask them too. On XX/XX/2018 they called my phone at XXXXXXXX XXXX and woke my husband up. He has to get up for work at XXXXXXXX XXXX and this company feels they can call you all times of the day and night! I have never owed them and i will not pay them XXXX dime of my money! These harassing phone calls started on XX/XX/2018 at XXXXXXXX XXXX I asked them to provide me with proof that i owe them and they didn't provide a contract with my signature showing I'm obligated to pay them when I've never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wolcott Rivers Gates, PC
State: VA

Complaint narrative:
Debt collection firm filed against me in two separate venues, both of which I do not live in. Back in XX/XX/XXXX I was told that i had an upcoming court date, they were rude. Cussed at me. Would not give me any information. They continued to send items to an address I have never lived at. The address was my fathers, whom i do not speak to often. They are claiming to have served me at that address ( per court website ), received judgment on the matter. They have never served me personally. I now have a judgment against me, because i just happened to look myself up on the court website. Never knew about this court date.

Company response to consumer: Closed with explanation