vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
We have a number of accounts with 5/3 bank. The staff always has been aggressive in selling products. In 2004 a loan officer approached us about equity lines. Long story short -- worst mistake EVER. We took out equity lines on our free & clean homes. Appraisals were flawed & the loan officer misrepresented some information. We know now of course we should not have done this!! This was during the wild west lending period. I wish we could say we took lavish vacations or bought expensive cars -- No we put the $ $ back into properties. We have been paying on these lines for 13 years -- we are now in our XXXX 's -- can not sell for what we owe!! We are having an impossible time making these payments. This situation is ruining our health & causing sleepless nights. We would like 5/3 to reduce the balance owed on these properties. Here is the last straw -- I put this all into writing to 5/3 & went to submit & their website said " technical difficulties -- could not submit '' Grrrr PLEASE HELP!!! XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX XXXX XXXX has no responsibility over the debt of XXXX XXXX XXXX XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.

Company response to consumer: Closed
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
While on an XXXX XXXX flight, they offered an XXXX XXXX Citi Bank credit card. The offer could be applied for on the plane, or done through their website. I applied online, and so did my husband. The offer was for XXXX bonus miles if you spent {$1000.00} within the first three months of account opening. We were issued the XXXX XXXX cards. We both spent well over that amount within the first three months. The credit card company confirms this was done. I was scheduling my next flight, and noticed that neither one of us had our bonus miles on our account. We had miles for the dollar amount of purchases, but not the XXXX bonus miles. I spoke with a manager in the retention department that was baffled as to why we did n't receive the bonus miles. I was asked to send in the original offer that I applied for, which, by the way, is always a running offer on their website. It has n't changed since I applied. I did so, and have yet to get a response. They are unwilling to credit me the bonus miles that they offered me when I applied. Both my husband and I have done everything that was required to receive the bonus miles, but they will not give them to us. They keep telling me that they ca n't be sure that 's the offer I signed up for. Why would they have sent me an XXXX XXXX credit card, and give me miles for every dollar I have spent if I did n't sign up for this offer? That does n't make sense.

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There is a public record entry that was placed on my credit report and I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 
On XX/XX/2017 I mailed a notice to TransUnion in effort to have the inaccurate item removed or for the credit bureau to produce written documentation ; in reference to how TransUnion has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. At that point, I advised the representative that I would like to cancel this dispute and they advised me that because the dispute was already sent to the courthouse, I will need to contact the court directly with my name and the case number. 
After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. 
At the point, I contacted TransUnion once again and spoke with another representative ; this time she advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation ; therefore no 'runner ' is involved. She advised me that they use a form which is sent r to the courthouse. I asked what type of form and exactly where the form it sent as the court clerk confirmed that they do not verify any information with the bureaus. Furthermore, I asked if she could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.

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 2017-04-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I settled with American Express on a balance owed in XX/XX/2014 through the services of a debt solution program. However, the charge still shows up as " Charge-Off '' on my credit report. Actually, it pops back up every month as a " Charge-Off '' which makes it seems like a new item/issue. The original balance on the card was {$1600.00}. It was settled for {$510.00}. Strangely enough, the Charge-Off amount equals {$1100.00} ; which is actually the amount owed {$1600.00} minus the amount settled {$510.00} ... 

I have attached a copy of my credit report, the agreement between the debt solution group and the AMEX Collection Group, and copies of the checks used to settle all three AMEX accounts, including the one in my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MNS & Associates LLC
State: GA

Complaint narrative:
Both my elderly parents and I received the following voicemails from M & S XXXX using blatent scare tactics to obtain personal/private information about me. 
" Hello this message is intended for XXXX. I 'm calling today in regards to asset verification to confirm your address and place of employment. I was forwarded some documentation it does verify your name and security number in regards to this process for enforceable review. Please be advised we are requesting for you to sign for and respond to a required demand notice. Before I go ahead and begin the scheduling of your document I wanted to inform you that your processes me an expedited and should commence within the next 24 to 48 hours. At this point in time, with any questions regarding this matter you may contact an advisor directly at XXXX your number with them is XXXX. To be clear, failure to contact them may result in further determinations being made pursuant to state and federal guidelines. You have been officially notified. '' I contacted them to request that they cease and desist with the calls as they were upsetting my parents and when I would not give my personal information, the agent, XXXX XXXX, became very rude and when I asked what it was regarding he said a loan that was defaulted on with XXXX XXXX from 2001. I did not have a loan with XXXX XXXX and even if I had, the statute of limitations in the state of Georgia is 6 yrs so this would be outside of the statute of limitations. I asked him to please send what he is claiming to me in writing so that I can properly refute it and he said " what you will be getting is a demand notice for the full amount which you must pay within 30 days, so good luck with that. '' And he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ocwen Loan Servicing foreclosed on our home XX/XX/XXXX ( this was ratified by the courts the following month ). Since that date we have been working toward repairing our credit, in order to once again have the opportunity to participate in home ownership. We have put ourselves in a position to be pre-approved for a VA loan, but have been denied, because we are still the owner of record for the home they currently own ( XXXX ). We reached out ( by letter ) to their research department in XX/XX/XXXX and received a response dated XX/XX/XXXX. The response said they are looking into our problem and would get back to us within 30 days. We received a second letter dated XX/XX/XXXX, which confirmed what we told them and said that they are in the process of obtaining the deed. Once the deed is recorded they will send us a copy. We waited over two and a half months for resolution, before attempting to find out what progress has been made. We called them on XX/XX/XXXX and they had no answers, but asked us to call them back the following week. We called, once again on XX/XX/XXXX and this time they had an answer. They told us, there was an open water bill that they needed to take care of before they could move forward with the recordation. We were not happy with the " EXCUSE '' and asked to have this elevated. They gave us another number to call, which we called on XXXX/XXXX/XXXX. We explained the problem, once again and was told that they would take care of the problem and we should receive a call back by the end of the week or early the following week ( XX/XX/XXXX-XX/XX/XXXX ). We waited, did not hear anything, so we called them back on the XX/XX/XXXX and they said nothing has changed. They assured me that if they do n't have it resolved by the first of next week ( XX/XX/XXXX-XX/XX/XXXX ), it would be elevated to another level. 
We are at our wits end! Please let us know, if there is anything further we can do to get this resolved. It appears, as if, they have no desire to resolve this issue. If you ask us, this should be illegal, if not criminal to hold folks hostage!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION
State: CA

Complaint narrative:
My mortgage company sold my loan to another company. I did not make the final payment for the current month within the usual 15 day grace period. When this happens, I pay the late fee ( {$100.00} ) and the regular payment. With the transfer of companies, I have not been able to pay my mortgage. XXXX, I have called my former/original mortgage company to pay, and I have been put on hold for over 15 minutes only to have the call hang up. XXXX, I tried to pay via the former mortgage companies " speed pay '' website option and been unsuccessful because it would say " unable to process ''. I know i would not be penalized if I sent a payment to the former mortgage company, but I am unable to send them the payment. The new company takes over on XXXX XXXX. I can not pay them yet. Even if I pay my payment for XXXX after XXXX XXXX, it would be over a month late. But I have been unable to do otherwise because I can not speak to anyone at my former mortgage company.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Received letter from a debt collector named commercial acceptance company for debt owed to my XXXX account that was in good standing, that I currently was not using and did not owe any debts or fees to and had my bank account froze as a result. Last I used my free checking account with XXXX was in XX/XX/XXXX 2016 which I made a deposit of just under 9.00 to my account. XXXX did not contact me about this alleged debt and I contacted them and I had no outstanding balance. I sent to the collector letter disputing the collections and asking for proof of debt but only recieved another letter saying it is going into collections and will affect my credit score because I " did not comply with their demands '' they also stated they required payment only by credit card by writing my card information on their form including my XXXX digit CVV code. I have not paid this company and have not contacted them since. I also had this show up on my credit reports and bring my newly good credit score down XXXX points which prevented me from being able to purchase a vehicle after being without one for 2 years. XXXX removed this from my report but XXXX still has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bronstein & Weiss Arbitration
State: GA

Complaint narrative:
Receiving threats from Bronstein and Weiss Arbitration to sue and collection attempts on a pay day loan that was included in a 2013 Chapter XXXX Bankruptcy. Also threatening to contact the courts and my employer.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Accounts Management, Inc
State: SD

Complaint narrative:
My wife and I each had a debt to a local hospital. The collection agency combined our debts and our medical information and sent this to each of us. While they are allowed to share medical debt with spouses, they are not allowed to share with spouses the very specific medical information that they sent to each of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: North American Credit Services
State: FL

Complaint narrative:
I paid North American Credit Servies XXXX XXXX, TN XXXX XXXX or XXXX, {$55.00} towards account # XXXX. They sold the debt to another creditor and now tell me they have no record of the 2 transactions. My original account # XXXX and secondary account # XXXX. My payment confirmations # 's XXXX {$50.00} and # XXXX paid XX/XX/XXXX for {$5.00}. When I called to ask about the missing {$55.00} they told me to call the original hospital ( florida hospital ) for a list of payments. When I called the hospital they said they have no record. My debt was {$230.00}, I paid {$55.00} leaving {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
ASK TO VERIFY DEBT. DID NOT VERIFY. CONTINUES TO SEND COLLECTION LETTERS TO MY MAILING ADDRESS.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of idenity theft.

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 2017-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am receiving letters concerning a debt that I have asked for validation of the debt. All I get is we have verified the debt and I owe. I have sent several certified letters to the company requesting validation and I get nothing but my name and address and a statement saying its been verified without any such proof. After my final certified letter requesting validation they sent me a letter saying they are going to report this information to the credit bureaus. Yet I have not received one shred of validation that I have been requesting from them since XX/XX/2016.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: STEWARD FINANCIAL SERVICES LLC
State: DE

Complaint narrative:
my insurance lapsed about 7 months ago. and i cant drive or register my vehicle. they attached a {$3000.00} fee to my bill for insurance but never added insurance to my vehicle. i feel like a victim of a predatory lender.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capstone Funding Group, Inc.
State: MD

Complaint narrative:
XXXX refinanced XXXX trust through XXXX loans ( fixed rate Balloon ) - went to XXXX XXXX XXXX XXXX modified to 4 %, 30 year term, XXXX XXXX XXXX wroteoff/charge off over the years transferred to many debt collectors Capstone Funding Group XXXX XXXX XXXX XXXX XXXX is suing in court Foreclosure on the second, the home is under water to a XXXX paid on time Nationstar XXXX 
Capstone is suing on the original note from XXXX a 6.75 interest rate loan Spoke with XXXX XXXX and asked her to provide to me proof that they have the XXXX modification & what int. rate are they using? She said she has to ask manager to get into the vault for the paperwork. I told her I am concerned about Fraud. 
XXXX XXXX never cld back, I called her and she said she does n't have the paperwork. 
XXXX XXXX then filed the final loss mit. to court saying she did not do a mitigation, but because I did not give her the XXXX modified loan agreement. I have emailed this to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said she can talk to me about a modification, she would call me back - never did XXXX called cell # of XXXX XXXX - she told me she no longer works for Capstone, she will try to get ahold of XXXX XXXX, the foreclosure is on hold, they got the XXXX docs that I sent XXXX/XXXX/XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX. ( XXXX ) called after 3 times got ahold of a XXXX, she took his info she stated she needed to contact XXXX XXXX who is working on our file ( KB told me the day before she was no longer working for capstone ) The phone num capstone provided on their contact sheet is temporarily disconnected since XXXX, the other number goes to a recording, you can not talk to anyone, the voice mail says ca n't accept messages, this has been happening for the last two weeks - we have a mediation date on XXXX/XXXX/XXXX Please help I do n't believe they own this loan, the XXXX MERS assignment shows XXXX XXXX as working for XXXX XXXX, as a VP, but when you XXXX her she is an assistant at XXXX XXXX XXXX in XXXX, that is who the recording was requested by.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
Company is re-aging debt that should be listed as XX/XX/2012 as first delinquency. Showing on credit report as a new collection with date reflecting new date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Hilco Receivables LLC
State: VA

Complaint narrative:
I have filed a complaint before on XXXX XXXX XXXX and submitted a cease and desist of phone calls to my work and cell phone. They continue to call and harrass me. I also have all of the saved voicemails where they continue to ignore the required cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Conn's, Inc.
State: TX

Complaint narrative:
Calls up to 11 times per day, but hangs up when I answer, or never leaves a message. I work swing shift, so they call either when I 'm asleep, or at work, where I can not answer their calls. Cease and desist letter sent a month ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Admin Recovery, LLC
State: GA

Complaint narrative:
Admin Recovery called my husband 3 times back to back each day for the past week, called XXXX of my kids 4 times every day from spoofed numbers leaving voicemail stating the call was for me and I could go to jail over this debt, and they call me a minimum of 3 times every day and have since XX/XX/2013! They threaten me, they 've called my mother in law and given her all the details of my debt. They have yet to send any mail since XX/XX/2013. I have asked them to stop calling my job and they still do and tell coworkers what it 's about. I am at a loss. I do n't have the money to pay them. The new Healthcare crisis makes my monthly premium over half my salary. I 'm not making ends meet now.

Company response to consumer: Closed with explanation