vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R&R Professional Recovery, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, R & R Professional Recovery , Inc. a member of R & R professional Recovery contacted my family ( Uknown how ) and threatened their credit, revealed my personal information, and amounts due of {$500.00} something. This resulted in my family giving my information., I called R & R professional Recovery and spoke to XXXX. Apologetic about the situation, he tried to negotiate and drop the debt down to XXXX. I was not interested as the amount was originally being disputed with the original creditor ( continues to throw us to R & R recovery, when we call ) Now my credit report states that R & R wants the whole XXXX something. No one has contacted me since then. I called R & R XX/XX/XXXX and XX/XX/XXXX with not able to speak to anyone. I am just finding out today this was reported to my credit. I called today again at XXXX on XX/XX/XXXX and was not able to reach anyone. 


Mr. XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX PHONE : XXXX XXXX ext XXXX FAX : 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 explanation
Consumer complaint received 2019-07-15 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
This company calls my phone constantly. I have called them & told them that I am not the party they are trying to reach, but they still keep calling. They have called 2 times so far on XX/XX/2019, 3 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, 2 times on XX/XX/XXXX, 5 times on XX/XX/XXXX, 3 times on XX/XX/XXXX. This is just a sample of the past week. Some days, they call over 10 times! I've attached a screenshot from my phone that shows the frequency of the calls.

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 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I closed my Citicard account 2 months ago. At that time, I paid the bill off in full. When I called Citi, I got a final amount of all charges, which I paid. I closed 2 other credit cards at that time, paid them off in full with the help of a loan from my parents, and I am now on the XXXX XXXX plan -- not using any credit cards, and paying off the debt amount to my parents at a lower interest rate. 

Citi did not close the account ; they charged me an additional XXXX cents - yes, less than a dollar -- for interest. 

Now, they are billing me for {$82.00} -- the XXXX cents, plus 2 billing late fees. I called them, and they will not waive the late fees. 

I am happy to pay the XXXX cents to Citi. I will not contest that despite the fact that the amount I paid was supposed to be final. But I refuse to pay the {$82.00} in late fees. 

Do I have any recourse? This is extortion.

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 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I initiated disputes in XXXX of XXXX, and followed up with the disputing process beginning XX/XX/XXXX. Since XX/XX/XXXX, I have asked the credit bureau, Experian, to assist with getting these items from XXXX XXXX XXXX and XXXX removed from my credit report due to it being an error, the collection agency for verification and validation of the debt, and another request to the credit bureau requesting a re-investigation with the provided documentation that the collection agency failed to verify and validate this debt. 

My consumer reports shows that there is a fraud alert on my files due to information that isn't mine and accounts showing up on my report that did not belong to me, but because of similar names and state of residences, their information was intertwined with mine through the collection process of " skip tracing ''.

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 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Southwest Credit Systems is attempting to collect a debt that has been paid directly to XXXX and will not remove items from the the three credit bureaus. The representative stated that they have a " no deletion policy ''. When I asked her to provide me with that policy in writing that she quoted, she stated that they don't have a policy to send me, she was just trained to say that Southwest Credit systems has a no deletion policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Unauthorized Quickpay transaction of XXXX on Chase account made Wednesday XX/XX/XXXX through cosigner 's account. I filed a fraud report on XX/XX/XXXX. 

Unauthorized transaction happened on cosigner 's side, Chase closed case and mailed a notification on update. Called to open the case again on XXXX XXXX. Was told by Chase that they have a policy that anyone under cosigner can file a report on behalf of that account. Was told case is opened again. 

XXXX XXXX. No updates on report. Called Chase and was told that the case was closed yet again because cosigner needs to be the one to report it. However, no information was received this time around in regards as to what happened with the report. 

Terrible communication with Chase and been told different answers. Not helpful at all in regards to the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
on XX/XX/XXXX, me and my wifes, wallet and purse was stolen after we were done shopping, we reported to all of our banks, the missing cards and I have been working to get a new id, all of my other banks have returned funds and closed the associated cases as fraud did occur. USAA on the other hand decided that since our information was stolen that we should be liable for all the transactions. since I have filed the claim no one from USAA has spoken to me or my wife. I did call back on XX/XX/XXXX after receiving the denial letter and was told that someone from the claims department would contact me back.I did ask for a second review and still have not heard anything back from them. at this point I have attempted to escalate and they still have denied me. I need someone to review USAA policies and procedures for fraud as this is no way to treat a veteran, and it appears by other reviews on the internet they do the same thing to other vets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I sent the following information request in XX/XX/XXXXof this year via certified mail and have received no response from JP Morgan Chase. I included her detailed information as well as my own in the original letter : My mother, XXXX XXXX passed away, due to a sudden illness in XX/XX/2017. I am the executor of the estate and would like to close out her checking account. The last entry in her ledger was in the amount of {$23.00} on XX/XX/17. I believe I have enclosed the necessary documentation for the estate. The account number is unavailable, she did all of her billing through an old computer that used XXXX. Please let me know if you require any additional information. Please forward a check for the balance to the address detailed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover Card continues to harass me even though they know I have no ability to provide any payment and have threatened a lawsuit against me. I was recently diagnosed with XXXX  and additional mental illnesses and are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX XXXX XXXX   care and have been admitted in to the hospital on XXXX  watch. The company does not care if I commit suicide due to their harassment. A call lasting 1 hour and 40 minutes today ended up in the creditor hanging up on me while I was hysterical due to my mental state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I called Freedom Mortgage Company ( FMC ) to refinance to get a lower rate ( over the last 2-weeks ).  I spoke to XXXX XXXX in their refinance department. We verbally walked through filling in the application answering questions. He then submitted them electronically ( email ) for me to sign. I noticed the mailing address was incorrect. XXXX entered XXXX XXXX XXXX, XXXX, CO XXXX ( not even an address ). I was refinancing for the home, which they are currently servicing, at XXXX XXXX XXXX XXXX XXXX, CO XXXX. When I found the mistake, I pointed it out to him expecting him to correct it. When I checked the next day, it was not corrected and he indicated that it was ok that I should sign it anyways and it will get corrected during the process. I would not sign it. I emailed him and called him over the next 4 days and he would not respond to emails or phone calls. I had to escalate to executive management before getting a call back from him. I then requested a different person to work with on this. 
I am providing this to CFPB, as evidence of the ongoing issues with FMC. In the past year, they have violated RESPA, paid my home owners insurance late, still have not provided me the full documentation that they are the servicer despite over 2-months of requesting it, did not inform me about the Escrow changes ( they are required to do ) and now seem to make fraudulent remarks on a refinance document that they " just want me to sign '' to move it forward. 

I have provided all of this to CFPB and XXXX XXXX in several forms and so far nothing has been done to hold them accountable. In particular, them breaking the law on RESPA ( they charged me a late fee and sent a negative credit report during the transition period ). RESPA clearly states the CFPB is the office that is to enforce RESPA yet I have been directed to seek legal council by CFPB staff. This is a criminal act which is the responsibility of CFPB. Please take action. 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 2019-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express continues to harass me even though they know I have no ability to provide any payment, am unemployable due to XXXX  illness. I was recently diagnosed with XXXX and additional XXXX  illnesses and are they are stating to me that collecting the balance on my card is more important than the value of my life. I do not have a source of income. I am unable to work, am under XXXX and XXXX  care and have been admitted in to the hospital on XXXX XXXX The company does not care if I XXXX XXXX due to their harassment. The company agreed to stop contacting me due to my XXXX  condition, but again today they called me to harass me even knowing the XXXX  of my XXXX state and XXXX XXXX. 

They have already violated the law by continuing to contact me after they said their calls would cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I graduated in 2016 with a degree in XXXX Studies. Since graduation I have struggled to pay the minimum monthly payments of around {$1200.00}. It has constrained me so much financially that I am unable to move out of my moms apartment, unable to relocate when offered by my company, unable to be independent for the foreseeable future and unable to contribute to the community and economy as a consumer or investor. It has severely impacted my mental well being to a point where I question the value or meaning of my own life if I can never get out from under this debt. I am in desperate need of relief from the monthly payments that disable me from financially investing in any other part of my life. My loan service company is Discover Student Loans. I have pleaded with this company, applied for hardship assistance ( a program which is only allowed per borrower a limited amount of times despite an unchanging financial situation ) and applied for consolidation, only to be denied the help I need or would otherwise not ask for. I want nothing more than to pay these payments on time and in full but I need HELP. I need someone to work with me. So I can actually live my life. Discover Student Loans is predatory, lacks empathy and does not care about the well being of their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I went to buy a vehicle and the auto company submitted my loan application. A number of weeks later after the purchase I received a letter saying I was not approved ( I did get a loan but not thru this company ). They based it in Sage Stream LLC report. They gave me a much lower score than I had thru XXXX or XXXX. They said it was based on a number of factors : each one was excessively wrong- example : Length of residence too short- I have lived in the same home ( which I own ) for 11 years. 
Limited history for consumer at this phone : I have has the same phone number for 15 or more years, and although switched service providers that has been over a year and half ago. 
Ive read others have had similar experiences. Ive tried to call a number of times to request where they get their data from and to get a copy of my report. I have not reached them and have no reply from my voice mail left. According to their web site I would have to send personal information to them to get this report. All sounds like a scam. 
This letter talks about XXXX XXXX  from XXXX CT. It also said they could not get my XXXX  report- which I have a credit lock on it, which I removed for a day to accomplish this auto loan ( which did happen thru a different bank ) Please check out this company, and their letter, I must be some sort of scam. We all work hard to have acceptable credit and when told its half of what it is of course the urge is to respond to see what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Verisk Analytics Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX used a company Called Verisk to investigate my history with auto insurance coverage. Verisk is through a company called " XXXX XXXX XXXX, '' XXXX XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX, XXXX. I received a privacy notice after the insurance check that indicated my history would require that I pay for a higher policy. This did not seem right to me since my history with auto insurance is excellent. I wrote Verisk and received a copy of my Summary Report - " Coverage Verifier. ''  It reflects an auto insurance policy that I had from XXXX to XXXX with XXXX. It lists this as " Cancelled  '' in XXXX but does not show my current Auto policy with XXXX from XXXX to the present date. The omission of this current information is misleading and it appears that I have been uninsured, thereby giving me a bad " mark '' for anyone who checks my insurance history via this company. 

After several attempts to reach them, I am resorting to this option. 

It is imperative that they list my current and correct information for my Auto Insurance Coverage : XXXX Policy # XXXX. Policy has been in effect from XXXX to the present XXXX. The Verisk Report ID # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hampton & Hampton Collections LLC
State: CA

Complaint narrative:
On Saturday, XX/XX/2019 I received a certified letter in the mail from Hampton & Hampton Collections LLC attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 

I located an email between my husband and this Homeowner 's Association advising that we have a rental management company, but not directing them to send HOA statements there. 

On Monday, XX/XX/2019 I called the number of the HOA and spoke with XXXX. He said that he sent the statements to the address we provided for the rental management company and didn't hear back, so he took it to collections. He said that in some cases the mail sent was returned. 

I asked why they didn't contact us instead because we would have been happy to pay immediately. He said it was against their collection policy and State Law. He said it was because we directed him to send it to the rental agency, which we did not. I have the email, which the HOA acknowledged. He, in fact, had our email addresses. He also had our current mailing address, as we received the certified letter here. 

I told XXXX I wanted to pay the amount we owe today. He said he wouldn't tell me how much we owe and wouldn't let me pay because the collection agency has it. I asked why he couldn't tell us how much is on our ledger with the HOA and he said that it was against policy. 

I asked him to send me a copy of the policy and the law, and he has not done so. 

In short, we have a debt taken to a collection agency without ever having received a statement. I have never paid a bill late in my life and am willing to pay this now. They not only did not contact me, but are not allowing me to pay my bill and are impacting my very high credit rating.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I had an Old Navy credit card since XX/XX/XXXX. As ofXX/XX/XXXX, my account was closed. I had 2 times of being 30 days late ; XX/XX/XXXX and XX/XX/XXXX. I decided to pay the balance in full in XX/XX/XXXX/XXXX of XXXX. After paying the card off, they closed my account with no reason why. 

As for Synchrony Bank, they have had more negative impact on my credit and my credit score more so than any one company. THey are forever checking my credit and decreasing my credit limits which in turn reduces my credit and shows that I am over the limit. That is causing a negative impact on my score.

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