vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Old apartment I used to live in. Before leaving we had an agreement and signed that they owed me {$75.00}. A coupe of weeks later they sent me a bill for {$200.00}. That wasnt what we agreed and just charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
These people try to charge me a debt for a service that was not given to me, I spoke with the XXXX Hospital and they agreed to regulate the prices of those bills, but they even placed me with a collection company and do not want to admit that this procedure is wrong, since only by removing the XXXX of a XXXX they are charging me XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore loan management services is not accepting any paymens at all from me, i am only 2 months behind in payments and they have already started forclosure proceedings which they claim a foreclosure letter has been issued. i have been trying to make my monthly mortgage payment to not go more than 2 months past due until i file my taxes to get my refund and to pay current but they refuse to take any payment whatsoever. they state only if i pay the current mortgage ( which isnt due yet til XX/XX/XXXX and the 2 month past due. they are intentionally trying to forelcose by not accepting a mortgage payment to escalade to trustee sale to foreclose. the rep stated there are notes on her account that i have a large amount of equity and to only accept full 3 months payment only, they are rushing to foreclose asap because they know amount of equity i have. this just happended on XX/XX/XXXX when i called to make 1 mortgage payment and they refused. my mortgage got transfered to rushmore loan management back on XX/XX/XXXX and they raised my new mortgage monthly payment from XXXX to XXXX per month with out any notice at all, and now they are refusing to allow me to pay. please some get involved becuase they are threating to foreclose because of my equity i have. im only 2 months past due and theyare not allowing any payment whatsoever unless i pay the current mortgage not due yet and the 2 months past due. please, this is urgent! i will get my payment caught up once i file my tax returns but they still have not sent my mortgage interest 1099! they stated will not be sent until next month when they all go out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
Midwest Recovery VIOLATED my rights under the FDCPA. I was never notified in writing of this debt, this debt is over 10 years old, I disputed with XXXX as this is a RE-INSERTION of a debt, they never notified me this was going to be done. I have filed complaints with the BBB against Midwest Recovery and XXXX XXXX. I just spoke to a XXXX XXXX Rep and asked why I was never notified in writing of this re-insertion. I want this removed from my credit report immediately, first and foremost for violating my rights. Midwest Recovery should lose their license!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Auto Finance reports that they were included in my bankruptcy. More importantly, they state in the Comments section of my XXXX report : BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED. This suggests that I discharged my debt to them in my bankruptcy, which I did not. My account was always in good standing and on time throughout my loan. I tried calling about this today and the Capital One automated system said they could not help me, then disconnected. 

I had to include my Capital One auto loan account in my bankruptcy as a matter of procedure. In reality, I filed a DEBTOR 'S STATEMENT OF INTENTION on XX/XX/XXXX as part of my bankruptcy, meaning I was keeping and purchasing my car and continuing to pay Capital One. I did indeed pay off my loan early to Capital One on XX/XX/XXXX. Secondary confirmation of payoff : Capital One misquoted my payoff amount and had to send me a follow-up letter and refund check on XX/XX/XXXX. 

Why is Capital One allowed to suggest that I was a bad account with this reporting and language, when I was always a good account, and since they were not adversely affected by my bankruptcy? Capital One should not be allowed to place a derogatory report on my credit report when they had ZERO loss. Punishing good accounts seems a very bad business practice for Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX repeatedly calls me for a debt that has not been verified, and is nearing the statue of limitations. They also call repeatedly and excessively, after I have reported them and asked them to no longer call. My debt has been one that they should n't be collecting on at this time as it was included in the lawsuit that required them to stop collecting on illegitimate debts a few years back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DRS Financial LLC
State: NJ

Complaint narrative:
I received a letter from this company called XXXX XXXX XXXX about a year ago and I went to their website thinking I needed to pay. However, after looking on their site, it contained a lot of incorrect information about me. I began investigating the charge and it was claimed while I had insurance. I looked through my insurance to see if I ever received a charge from them and I never did. On top of that, I never went to the office they were requesting payment from. 

I then began looking into the company and found this site XXXX XXXX XXXX XXXX   They are a fake scam company that tries to scare people by using a statement that looks real and then have people pay them directly on their website. After reading the site, I decided to ignore the letter and throw it away. 

Months lately, XXXX was hacked and through that I was able to get a year of free credit monitoring. I received an e-mail recently saying that my credit score dropped. I logged into the XXXX  site, XXXX, and saw that my credit of XXXX dropped to XXXX. Apparently there was a collections filed against me by no other than XXXX XXXX XXXX! I have contacted the XXXX Credit Bureau to see if there was anything that can be done and they were unable to help me. I am now trying to dispute this collections as well taking the necessary action to report these people so that this doesn't happen to others.

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 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow up to my first complaint that is taking forever to be resolved. Someone named XXXX ( ext. XXXX ) Chase 's Executive Office has the audacity to leave me a message to call her back in the evening. I left her two voicemails and she has NOT called me back!!!!! I have been calling her since XXXX my time and she has not gotten back to me. She keeps on telling the rep she 's on a phone call and she will be calling me back in the afternoon. It 's getting late on side of the U.S. and she now tells me that she does n't have time to talk to me! Chase is so unprofessional that I do n't have the words to describe the pain and stress they have caused me for the last two weeks! How can someone be on a phone call for the last 5 hours!!! They are not willing to help me and I can see that already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Siwell Inc
State: TX

Complaint narrative:
Since XXXX XXXX 2017 my family and I have been trying to obtain a pay-off statement from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. After months and months of contact between myself and XXXX XXXX we have n't had any success in moving forward in this process, and in the interim it has cost my family time and money. XXXX XXXX has also made contact with XXXX XXXX on our behalf and they have n't received any results either. We have reached out to various chains of command form the Operations Manager XXXX XXXX to the CEO XXXX XXXX XXXX. My plans are to refinance with XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, TX XXXX, and XXXX XXXX has n't cooperated with them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We have contacted Ocwen over 16 times since XX/XX/XXXX. We are told things will be fixed, they have the information, and they will call us back and confirm when the information is correct, and then they go dark. We recently went to the ombudsman with Ocwen. That was over a week ago. I was promised they would call us back on XX/XX/XXXX with a resolution and nothing. I called them again on XX/XX/XXXX and was promised it was getting fixed and I would receive a call back by Tuesday morning. 
Again, nothing. I called again today and explained this has costed us a LOT of missed work and LOTS of money. I also explained our loan lock was expiring this Friday for the SECOND time, and the urgency of this matter. I 'm still waiting for a response. They are reporting inaccurate bankruptcy information on 2 properties. In addition, I own an LLC with a parnter, and we were just denied our business line of credit because of the inaccurate information being reported by Ocwen. We have two XXXX in XXXX, and this is literally creating a massive financial situation for all of us, even though we are n't responsible for any of it. The ombudsman shared this morning the information WAS N'T correct and he was able to verify public records, but his " bankruptcy team was backlogged and he had to work on it. '' Truly unbelievable this company is allowed to stay in business!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
In XX/XX/XXXX I have purchased two {$25.00} egift cards from XXXX XXXX XXXX XXXX ( XXXX ). 
On XX/XX/XXXX the cards were refused at the XXXX XXXX store # XXXX in XXXX XXXX, CO stating that the cards are invalid as the PO system is not taking them. I have called XXXX XXXX and they stated that the XXXX will only honor cards sold by the XXXX XXXX directly online or in its stores and it does n't honor or address issues with cards sold through a third party such as XXXX. I have contacted XXXX and I was told that in their they the cards are valid and it is XXXX 's problem if they do n't honor them. 
The remaining balance on the cards is {$28.00} and I expect a refund for the balance I can not use. It is truly reprehensible that XXXX does n't feel any responsibility for the financial products its sells and it is just unwilling to offer any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: CA

Complaint narrative:
I applied and received a preapproval from HomeBridge Financial in XX/XX/XXXX. I found a townhome and went into escrow in XX/XX/XXXX, the loan officer ran my credit numerous times so he was aware of my credit score and finances, he requested documents as required and I complied with everything. In XX/XX/XXXX a offer was accepted and he informed me that my loan documents had passed underwriting and that I needed to pay the ( non-refundable ) appraisal fee to process the loan. I inquired on numerous occasions if we were good to proceed as I didnt want to spend money on something that was not going to work he said yes well the conventional loan failed underwriting, he then asked me to write a letter removing a dispute from my credit report stating it was a underwriting requirement for a conventional loan which it is not, he then stated it was my fault and my credit score as it had gone down from use when I provided him with documentation to the contrary and that my score was lowered due to his multiple running of my credit and removal of dispute he said we can get a fha loan after 60 plus days in escrow and his inability to secure a loan I am now left with a financial loss due his lack of knowledge or unethical conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent a certified letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. I verified their receipt of said request. In turn, they responded by accusing me of disputing the debt in question and said they would be updating my credit report to reflect my dispute. I made it very clear in my letter that my request did not mean that I was disputing the debt only that I wanted validation of the debt.They have not provided me with any documentation proving that I am obligated to pay them anything and yet they have reported negative information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have made a withdraw from Coinbase US over 5.000 Euro on XX/XX/XXXX. The normal transaction time for XXXX Sepa withdraws is 2 days. I have n't received anything until now ( Tuesday, XX/XX/XXXX ). I have tried to contact the support team from Coinbase and finally get the first reply on XX/XX/XXXX. They told me they will investigate on this issue. Another 10 days later I have n't heard anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent letter to the organization as well as the credit bureaus without validation of debt. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
Equifax failed to respond in 30 days and they updated my bal to XXXX for the XXXX XXXX account with was cleared in XX/XX/XXXX vs deleting the account. 
I have not been successful at getting XXXX XXXX to respond to any of the letters I have sent since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington had a fraudulent account for me a few years ago, which was cleared up. I received the green light to open an account from the executive team, to find out the account was closed and the branch manager will not call be back though she said she would take care of the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: World Acceptance Corporation
State: SC

Complaint narrative:
Called the company in ref to account on my report only thing said is thats it a old account i then reported to the 3 XXXX XXXX anf XXXX XXXX XXXX and no update was done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc.
State: CA

Complaint narrative:
I have received several 'robo calls ' from USCB in regards to a debt that they purchased from the XXXX XXXX Medical Foundation . 

When they call it does not connect to a live person but instead plays an automated message from someone identifying themselves as XXXX XXXX. The message is as follows. 

This message is for [ Last name ] [ First name ]. If we have reached a wrong number please call XXXX. If you are not [ Last name ] [ First name ], hang up now. If you are [ Last name ] [ First name ] continue to listen to this message, but not in the presence of others as it contains personal and private information this is XXXX XXXX from XXXX XXXX. This is made in attempt to collect a debt... 


I have received this call four times within the month. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: WI

Complaint narrative:
I attempted to pay credit card bills online and over the phone and mysteriously there was fraud alert placed on my account last night. Today I can use to pay bills at all. The number on the website doesn't have an option at all to speak to someone live at all.

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 2018-01-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: SC

Complaint narrative:
There was 3 unauthorized transactions made to my card on XX/XX/XXXX. I filed a dispute on this day. I received paperwork on Tuesday the XX/XX/XXXX and send it back the same day. I have called everyday to see If XXXX XXXX received my paperwork and I was told that they didnt receive it yet. It has been a week since I send the paperwork and now they telling me that I have to wait 45 to 90 days. One representative told me that If my paperwork was received by Monday the XX/XX/XXXX that they would release my money back onto my card. Which was {$410.00}. I am being put out of my house cause of this. Those companies that allowed the unauthorized transactions was XXXX and XXXX in California.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
The debt in question has been resolved with the help of CFPB under complaint number : XXXX. 

On XX/XX/18 at approximately XXXX I, XXXX XXXX spoke with XXXX XXXX GC Services Limited Partnership with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. 

This is not true as you can see under my original complaint number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax previously deleted several student loan accounts and 3 credit card accounts from my equifax credit report, but these accounts that they deleted are still showing on my Equifax credit report. I do have the Equifax results documents that they sent back to me showing what they deleted, i have proof. I called Equifax last week and spoke to a customer service representative based out of the united states, the customer service rep and i went over my credit report over the phone, he stated that the accounts that were previously deleted by Equifax were not showing on my credit report anymore. I received a copy of my credit report today in the mail and the accounts that Equifax previously deleted are still showing on my credit report. Equifax also have 2 additional student loan accounts that are on the hard copy of my credit report that they mailed to me, those 2 accounts are not showing on my credit report on www.equifax.com.The Accounts that were previously deleted are several XXXX XXXX XXXX/XXXX accounts, XXXX/XXXX account, two XXXX XXXX XXXX XXXX accounts and several XXXX XXXX XXXX XXXX accounts. And some of the account numbers on the hard copy of my Equifax credit report are different than the account numbers they have on their Equifax website. I would like the CFPB to please assist me with this matter.

Company response to consumer: Closed with non-monetary relief