vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I HAVE APPLIED FOR HARDSHIP ASSISTANCE DUE TO A REDUCTION OF INCOME THAT STARTED THE WHOLE HARDSHIP IN XX/XX/XXXX. I WAS DENIED BY MY SERVICER WHO ALSO HAPPENS TO BE MY INVESTOR CHASE DUE TO " CHASE SERVICES THE LOAN FOR AN INVESTOR OR GROUP OF INVESTORS WHO HAVE NOT APPROVED A MODIFICATION BASED ON THE RESULTS OF THE CALCULATIONS OF THE NPV ''. WELL THAT MAKES NO SENSE BECAUSE A HARDSHIP IS BASED ON VERBIAGE OF A SITUATION AND FACTS WHICH THE NPV IS NOT TAKING INTO CONSIDERATION AS IT IS AN CHEAPLY DESIGNED UNDERWRITING ENGINE. THEY DIDNT EVEN COMPLETE IT FULLY AS MY INCOME IS NOT ADDED IN, PRINCIPAL RESIDENCE TOTAL HOUSING EXPENSES ARE NOT ADDED AS WELL. IT LOOKS LIKE THEY PICK AND CHOSE WHAT THEY FEEL THEY NEED TO ADD TO RENDER A DECISION IN THEIR FAVOR AND I WILL NOT TOLERATE IT. CHASE WILL NOT VICTIMIZE ME AND TAKE MY FAMILY HOME BECAUSE YOU WANT MY PROPERTY. 

FACT : XXXX MY REDUCTION OF INCOME DROPPED TO {$84000.00} WHEN MY NORMAL INCOME IS ABOVE $ 150K A  YEAR. MY INCOME INCREASE TO {$170000.00} FOR XXXX WHICH IS MY NORMAL INCOME. I UNDERSTAND MY INCOME TODAY IS HIGH AND THE PROPERTY IS AFFORDABLE, HOWEVER MY INCOME IN XXXX WHEN I WAS FIRST DELINQUENT IS THE ISSUE THAT BROUGHT ME TO TODAY. I COULD NOT MAKE A MORTGAGE PAYMENT WITH THE REDUCTION AND WHEN MY INCOME INCREASE I GET DECLINE FOR MAKING TOO MUCH. MY INCOME HARDSHIP HAS BEEN CORRECTED AND NOW THAT ITS CORRECTED CHASE DOES NOT WANT TO HELP. I WILL FILE A COMPLAINT WITH MY STATE ATTORNEY GENERAL XXXX XXXX IF NEED BE, I WILL NOT LOSE MY HOME DUE TO CHASE FEELS IT UNNECESSARY TO PROVIDE HARDSHIP ASSISTANCE BECAUSE MY HARDSHIP IS NOW CURED. THIS IS RIDICULOUS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
This company, Portfolio Recovery calls me several times a day between the hours of XXXX. They use 15 different numbers a week and it changes all the time. I have over 78 different numbers from them blocked on my phone right now. They are rude, swear at men, they harass and threaten me with jail time if I " don't give them money they are trying to collect a debt TODAY! ". When I requested they send me everything in writing they said, " XXXX XXXX XXXX XXXX ~ We do not have to do that! '' I hung up. I have stopped answering their calls. They never leave a call back number. I do not owe them any money. I have never gotten anything from them in writing, in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XX/XX/2018, TransUnion received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In conjunction with this dispute, Collection agency may have committed a possible HIPAA violation in that theyve directly sent me a copy of medical records but there is no proof of a HIPAA release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, TransUnion did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXX statement that the account is accurate directly from the collector. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did TransUnion when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results dated XX/XX/2018 ( I have a copy of my Credit Report over that time period, " In Dispute '' is not in comments section that day or any other day of the dispute process ). Also, in its investigation, TransUnion claimed to have updated my name in which they falsified my correct name on the credit report. Concluding, TransUnion did not handle this correctly, they did not conduct an independent investigation and when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.

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 2018-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LTD Financial Services, L.P.
State: NJ

Complaint narrative:
In XXXX I was under XXXX XXXX, All credit cards were paid and closed - any balances unpaid were charged off. I also was sick again in XXXX and had XXXX XXXX in XXXX. I have many medical bllls. I also am a single parent of XXXX dependent ( students ). Mortgage in modification, car was repossed although breach of warranty claim filed in XXXX. I have an active lawsuit with XXXX and XXXX against a NJM driver. I was injured on XXXX XXXX XXXX. My car never worked and I could not walk for over 8 months. I lived with the consequences of credit destroyed. Issue is years later I am just making it pay to pay. and BARELY. Some weeks we have no groceries and all medical work with me - utilities have gone up mortgage too taxes - given. Out of nowhere all OLD CHARGED OFF balances haunting me. XXXX XXXX and XXXX XXXX  XXXX XXXX. 
I reached out saying NO not then NOT NOW. I cant pay charged off balances. I can barely make my XXXX follow up - rescheduling constantly as I don't have CO PAY. PLEASE MEDICAL HARDSHIP is ONGOING, Please cease all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is a follow up to complaint IDs XXXX and XXXX. 

No sooner than I completed filling out this complaint, the company called me back on XX/XX/18 at XXXX and left another message saying I am about to be served with papers. I called them and told them of their error ( please see previous complaints ) but they told me that I am the right person and the numbers will not be removed. I begged the woman to look at the account because the last person I spoke with said there were notes on the account stating that my number was removed, the phone number for my mother ( who is a XXXX patient ) was also removed, and the ssn was wrong. She said the social is right, it's my account, and refused to look at the notes and hung up on me. 

This company states they will continue to call me and all numbers for skiptracing of me. Even though they don't have to " look '' for me because I am actively trying to work with them to straighten this out.

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 2018-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TN

Complaint narrative:
Good Afternoon, I first learned about the debit on my credit report as I was under the assumption this was my ex wifes debit. After learning that we are both responsible I contacted the company at Hunter Warfield to find a settlement. I asked for my account number & pin number and was told I didn't have one the first time called back 2nd time and had to speak to the gentleman several times in order to be provided it. Then after I told them how much we had to settle he proceeded with a counter offer and I asked him to please provide the settlement in writing so that I know that it is a legit and I would be protected before providing my card number. He refused to provide me the offer in writting and then said if I don't pay right now I will owe the whole amount. He has not stopped calling me even though I continue to tell them I want to pay I want to accept the settlement offer but, I need to have something in writing that by pay this settlement amount I will be paid in full. They still refuse.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I assume no monetary responsibility for this alleged debt. Be advised this is not a refusal to pay, but a notice that your claim is hereby disputed and validation is requested. THE DEBT IS NOT MINES. 

On XX/XX/2018 I requested validation of this debt per Texas Finance Code and to be provide with : 1 ) Original Agreement that bears the HANDWRITTEN signature and/or ESIGN digital signature ID number of the alleged debtor wherein he/she agreed to pay the creditor.

2 ) The name and address of the original creditor 3 ) The original date of default or non-payment of the debt with original creditor 4 ) The date the debt was transferred from the original creditor to the third-party debt collector 5 ) The original balance 6 ) The current balance 7 ) Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) 8 ) Texas Surety bond information as required by Sec. 392.101 9 ) Agreement with your client that grants you the authority to collect on this alleged debt. 
10 ) Any insurance claims been made by any creditor regarding this account.

11 ) Verification that this debt was assigned or sold to collector.

12 ) Complete accounting of alleged debt.

13 ) Commission for debt collector if collection efforts are successful As of date, Ad Astra has NOT provided the above documentation and continues to violate Texas law.

On 7/10/2018 i received fake Loan Documents with my name typed in on the signature line and and Open End Loan History that did not support the amount they are try to collect ( see attached ).

I did NOT receive a loan for {$860.00} from XXXX XXXX or Ad Astra Recovery.

Per the documents provided, the documentation shows NO evidence of a {$860.00} loan was funded to me. The Open End History documents clearly indicates that {$380.00} was funded and {$470.00} was paid directly by me ( Allegedly ).

Not {$1200.00} or {$860.00}. Ad Astra is tacking on their own collection fees and lying about it. Also, there is no loan number for the alleged {$860.00} loan.

Again I assume no monetary responsibility of this alleged debt however, due to their own evidence the loan funded was PAID.

AD Astra is breaking countless federal laws and Texas laws regarding the collection and reporting of this debt. I intended to exercise my right to the fullest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: Stuart-Lippman and Associates, Inc
State: NY

Complaint narrative:
I worked for a company named XXXX XXXX  that I left employment in XXXX of 2017. In that employment they paid me through a commission draw account. After I left employment with the company they asked for {$2400.00} back of Commission paid through the account and sold it to a collections company ( XXXX XXXX XXXX   XXXX ). I live in New York and any Commission paid through a draw account is Illegal and not a debt. I contacted the 3 credit bureaus and informed them of that and XXXX and XXXX XXXX removed this from my credit report. XXXX is refusing to remove this from my credit report and told me that the collection company has to and they have refused to remove from my credit report violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: AL

Complaint narrative:
I am submitting " Special Payments '' to be applied to Principal. Navient is pulling 30 % of each payment for interest. I really thought this would stop after the Law Suits I heard were filed. But it hasn't stopped and when I call them, I am told that I don't understand. no, I sure don't understand how payments can be current and these amounts of Interest can be pulled from a principal payment that is marked exactly how they request it be marked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/2018 I called Experian and spoke with XXXX and noticed they added somebody else 's address on my credit report today, I do not live in that state and was told it would take 30 days to remove. 

I was told by XXXX that this address was added yesterday and i should have received an alert. I did not receive an alert ... .This address did not appear yesterday only today. If i'm in North Carolina how could i be in Florida at the same time? 

XXXX would not provide me any information about that address, so i am left in the dark.

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 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Yesterday, my XXXX  Mastercard ( # XXXX XXXX XXXX XXXX ) from Bank of America ( BOA ) was stolen. A police officer returned it after it was recovered in a stolen car and returned it to me. I then reported this to BOA and asked that a fraud alert be put on this account and that I be sent a replacement card. 

I called a toll free telephone number provided on BOAs online banking website about 6 times, but all I got was recorded messages. It was impossible to reach a human being. After wasting about 20 minutes just trying to get an agent at BOA about the theft of the card, I finally was told that an agent would come on the line. Then I was put on hold for an additional half an hour. When the guy who finally answered came on the line, I told him everything I knew at least 2-3 times. He wasted time with chit chat, then proceeded to ask me exactly what Id just told him. After telling him again that I had checked the activity for the card through BOAs online banking website just before I called him and had seen no illicit activity, and repeated everything else yet again, I told him I had to eat dinner and had no more time to repeat the same information Id already provided to him several times, since it took me nearly an hour to get through to him. As I recall, the last purchase I made on this card was for a XXXX membership in the amount of {$120.00}. 

BOA continues to evade its customers and refuse to act on simple requests such as putting a fraud alert on an account that has had a stolen card in a timely or efficient manner, and to replace cards quickly when asked for legitimate reasons. It unfairly burdens its customers with grossly unreasonable, harassing, inefficient and insecure procedures that injure them. In contrast, XXXX XXXX was quickly and easily reached, took the relevant information and said they would mail a replacement card all within a few minutes. The new card should arrive today or tomorrow. 

BOA does not manage its credit cards in a reasonable fashion and its gross ineptitudes put its customers at risk for further injury. This has been the case for years. I have filed previous complaints about it, yet, if anything, these deep seated problems with BOA credit cards seem to be worsening. Just before submitting this complaint, I tried to check the account online for any fraudulent activity. The account was blocked and I could not access it. A message said BOA wanted me to call it, again, to waste more time. I have no more time to waste on BOA.

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 2018-08-23 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Speedy cash shared my information to XXXX XXXX. Now they are trying to collect XXXX, I do not know who XXXX is I never signe paper work with XXXX, they bumped the initial amount of XXXX, also they report to the credit bureaus different information, one day my account is open the next day closed, then collections, this been closed, remove It from report, also sending Letter to petition to keep there business open, they took my documents of line

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WY

Complaint narrative:
XXXX XXXX XXXX took over XXXX XXXX Loans in XX/XX/2017. Since then I have been unable to access my account. I have received no correspondence since the take over regarding my account. For over a year I have tried to log-in to my account with no success. I have also tried calling customer service. Each time I receive a message or am told that the action is unavailable and to try again later, or that my account can not be found ( See attached images ). Because of this I am unable to check my account or pay my bill. It seems like many other people are having this problem as well. I can only imagine the mess this is causing, as I have been unable to pay my student loan in over a year and have received no billing information. Something is clearly wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/XXXX at XXXX XXXX  Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX-XX/XX/XXXXand XXXXXX/XX/XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.

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 2018-08-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/XXXX at XXXX XXXX  Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: ERC
State: FL

Complaint narrative:
I checked my XXXX account and seen that XXXX XXXX   and XXXX are showing on my credit report for {$310.00}, XXXX sold this account to XXXX XXXX. I sent XXXX XXXXy a certified letter in XXXX to have them validate that this debt is mine. The company send me a letter back with a paper that shows a bill in my name. The company is not providing me with any documentation with my original signature that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation