vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I submitted a CFPB Complaint on XX/XX/XXXX-XXXX. 

Response dated XX/XX/XXXX from CHASE states my loan Trial Period Plan is APPROVED. However, the trial plan would be sent separately once generated. However, a Trial Period Plan payment letter was generated on XX/XX/XXXX Did they not see this letter generated? Representative 's at CHASE explain that this letter should not have been sent as they see that the Modification was denied by Final QA and returned to Underwriting. An explanation on why it was returned, is not in the system. Therefore, they were not able to advise of reason why it was returned to underwriting.XX/XX/XXXXI spoke to XXXX XXXX from the CHASE-Executive offices. He stated that my Modification, was NOT approved. That letter dated XX/XX/XXXX advising me of my Trial Payment being DUE was an error or glitch in the system. That my Modification had been rejected from Final QA and they are pending a response from the Underwriting Department.XX/XX/XXXX, I spoke to by Relationship Manager XXXX XXXX, whom also advised that my Modification was NOT approved. That she would send e-mail to the Underwriting Dept. as she could not give me a response as to the letter I received and that she was not able to view it in the system. I advised I complied with the 1st Trial Payment and made the {$1200.00} payment. I would appreciate that the Executive office responding to the CFPB complaint provide accurate information and not further provide inaccurate retention approval and their response is unacceptable. Time is of the essence and CHASE inability to communicate efficiently, provide false retention assistance/approval, may put my loan to potentially be referred for Foreclosure.The response is misleading as the Modification has not been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Ally financial is trying to collect on a account thats not mine nor did I sign for to be a co signer for. The date opened was XX/XX/XXXX for {$11000.00} and closed on XX/XX/XXXX. They have called and harassed me about this account and threatened me about and I tried to explain to them but they just kept on. I even checked and they are not even licensed to collect in the state of Arkansas.

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 2018-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX and Bank of America have both announced policies on or about XXXX XXXX that prohibit using their services and credit cards for the purchase of certain firearms. They are only advancing general credit with no strings attached, as far as I can see from their card agreements, except, now, for certain firearm-related items. All such items are currently legal under federal law and the law of my state. Why can they make a policy that dictates what I can and can't buy with their plastic?

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 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: VA

Complaint narrative:
I pulled my annual credit reports and found I had a collections account on my reports. Penn Credit Corp in the amount of XXXX. I had no idea of this debt and was not notified that or recognize this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im not able to pull up my credit report

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 2018-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On or around XX/XX/2018, I started a HELOC application with Bank of America. I worked with XXXX XXXX XXXX # XXXX located at their XXXX XXXX XXXX, XXXX, TN XXXX. During my first conversation with XXXX, we reviewed my credit history and he was made aware of my student loans ( all of them are current and in good standing, but on Income Driven Repayment plans ). At no point did XXXX indicate that balance of my student loans may be problematic. After submitting my paperwork and getting all of that out-of-the-way, I was required to pay for the appraisal and credit check. Only after the appraisal occurred, was my application reviewed in further detail. Ultimately, I was rejected based on my DTI because BoA guidelines dictate that my student loan payments must be calculated at 9X my actual payment amount. 

I am not complaining about the underwriting guidelines ; that is their prerogative. I am complaining about the deceit and misrepresentation that ultimately led to my paying for an appraisal that costs me {$520.00}, which can not be used with another lender. BoA had all my student loan information from the get-go. Their failure to adequately train their loan officers on the Bank 's own standards resulted in my spending {$520.00} for a useless appraisal. As no new information was gained after payment of the appraisal, BoA should return the appraisal amount. Their actions constitute an unfair, deceptive, and abusive act that costs me {$520.00}. I have repeatedly tried to reach out to BoA about this issue, but have largely been met with disinterest.

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX. makes daily calls to me cell claming that I owe a debt. The caller will not give me any information about said debt over the phone without my giving my social over the phone. I have requested that they provide me with the debt information in writing and have not received it. I have been informed that XXXX XXXX XXXX. is now filling a writ of garnishment against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I sent a request for validation to PHOENIX FINANCIAL SERVICE for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was told to call and make my payment or schedule payments on the amount owed. Specifically told creditors not to save my bank info and they withdrew amount without my authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Had a credit check done by Citibank Na/XXXX. I have had a home depot card for years there is no balance why would they do a hard check on me?

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 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I have been experiencing billing issues with XXXX XXXX XXXX in XXXX, WI since XXXX which resulted in many of my claims being sent to multiple collection agencies. I was on a negotiated payment plan with XXXX XXXX and making monthly payments. In XX/XX/XXXX they sent over {$3000.00} in medical claims off to multiple collection agencies without a phone call or letter. We are working with the XXXX  and XXXX XXXX XXXX to get to the bottom of that problem. What I didn't realize before the claims were sent off to collections was there are several that were paid in full many months ago. To make matters worse, the alleged amounts due have been reported as negative on all three credit reporting agencies. Two claims were given to Alliance Collection Agencies. They were advised by telephone back in XXXX that I am disputing the debt. One claim was paid in full ( XXXX ) on XX/XX/XXXX but it still went to collections. The other claim ( XXXX ) needs verification because there are missing payments to XXXX XXXX that should have paid this is full last year. After reviewing my credit report I noticed a few issues that are very concerning to me. Alliance has not reported that this debt is being disputed. They also changed the open date from when it was previously reported by XXXX XXXX. If I am not mistaken I believe that they are re-aging my medical claims. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX on my XX/XX/XXXX credit report. Alliance reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Claim XXXX was originally reported as opened XX/XX/XXXX by XXXX XXXX XXXX on my XX/XX/XXXX credit report. Alliance reported the open date as XX/XX/XXXX on my XX/XX/XXXX credit report. Keep in mind this claim was paid in full long ago!

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 2018-04-30 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
open over 10 years sold to different creditors XXXX XXXX {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On XX/XX/2012 a debt was placed with National Credit Systems Inc for a lease with XXXX XXXX apartments. It is a joint account with myself and one other person ( XXXX XXXX ). This is not our debt we never had a lease with the XXXX XXXX. XXXX XXXX has written a formal letter stating we do not owe this debt and the collection still refuses to remove the debt from our credit reports. I have copies of letters, certified mail receipts, and email correspondence proving efforts attempted to resolve this matter. For over 6 years this incorrect information has been on our credit reports preventing us from getting a place to live and ruining our credit,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company is trying to collect {$1800.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX XXXX. makes daily calls to me cell claming that I owe a debt. The caller will not give me any information about said debt over the phone without my giving my social over the phone. I have requested that they provide me with the debt information in writing and have not received it. I have been informed that XXXX XXXX XXXX. is now filling a writ of garnishment against me.

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 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: GA

Complaint narrative:
Dear United Revenue Corp, After viewing a copy of my credit report, I noticed collection accounts placed on my credit report from you in XXXX and XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXX, a debt collector, is attempting to collect a debt for an apartment lease executed in my name without my knowledge. I directly contacted the debt collector via certified mail in XXXX. The debt collector did not respond. I then filed a complaint against the debt collector with the CFPB on XX/XX/2018 - complaint XXXX. I included a copy of the police report as well as my full name, social security number and DOB in the CFPB complaint. I instructed the debt collector in the CFPB complaint to stop contacting me via phone and to only contact me in writing. The debt collector has continued to attempt to reach me via phone and has never mailed me anything. The debt collector responded to the CFPB complaint asking me to call them and telling me they could not locate my account, even with all the information included in the complaint. The CFPB can verify this by looking at the closed complaint. I now have an address in XXXX XXXX being reported on my credit report that I have never been associated with. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Other creditors may be opening accounts in my name without my knowledge and using this fraudulent address to send mail to. I have contacted the apartment complex in XXXX XXXX that XXXX XXXX XXXX has reported as a valid address on my credit profile and have received a letter from the apartment complex confirming I do not live at this address nor have I ever. I have also updated my Affidavit of Identity theft through the FTC and have attached a copy of that to this dispute. I contacted the credit bureaus via phone to inform them that I have this letter from the apartment complex saying I never lived there and was not able to upload it as neither upload site was working correctly. This letter from the apartment complex is signed, dated and includes contact information. The credit bureaus give me a pre-prepared response saying they are opening a dispute on my behalf and that they are contacting XXXX XXXX XXXX to verify the information. XXXX XXXX XXXX has already proven that they are not following the Fair Credit Reporting Act and the evidence of that is in the CFPB portal.

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 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
To Whom it May Concern : Back in XXXX of XXXX we had a mortgage litigation case against our mortgage servicer dismissed by a federal district judge. Our forclosure date is XX/XX/XXXX or 10 days from now. We are trying to work things out with the mortgage serivicer, Mr. Cooper/Nation Star but they won't allow us to do anything because they say the account is in litigation even thought it has been almost eleven months since the case was dismissed. We are not allowed to communicate with the trustee sale law firm because they are saying the account is in litagation, which at this point it is not and hasn't been since XXXX of last year. This denies us any attempt at a work out such as a loan modification.This is not right and seems to be illegal. Because of this delay, we are losing out on a chance to save our home from foreclosure. We are just the little guy being subjected to the illegal actions of XXXX XXXX. 
Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarFinance Capital LLC, Irvine, CA Branch
State: TX

Complaint narrative:
XX/XX/XXXX : purchased a XXXX XXXX XXXX along with a GAP ( Guaranteed Automobile Protection ) Debt Waiver Addendum priced at {$500.00} from Car Finance. 

XX/XX/XXXX : Refinanced with XXXX XXXX. Was told that they do not sell GAP. Received communication that a check was mailed to Car Finance. 

XX/XX/XXXX : Leased a new XXXX XXXX while relinquishing the XXXX. Was told at this time that I may be due a refund concerning the GAP. 

To date I have NOT received a letter from Car Finance stating that the loan was paid off. Per XXXX XXXX, I need that letter to receive the refund which was originally due to me when the loan was paid off by XXXX. 

I have called Car Finance, XXXX XXXX  ( the company they merged with in XXXX ), XXXX XXXX XXXX ( original dealer ), XXXX XXXX. The last I heard was that Car Finance has put this in the laps of XXXX XXXXXXXX XXXX consumer advocacy department. It's been three years. How much longer do I need to wait on this?

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