vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
ADA/XXXX Violations During the process of submitting a loss mitigation application, I have been asked multiple times about my XXXX. My XXXX status has been scrutinized and I feel my rights as a XXXX person have been disregarded and violated. 

I have been asked how long Ive been XXXX. I have been asked how long I expect to receive XXXX. I have been asked to provide a bill or documents that support my illness and diagnosis, explicitly detail my illness and/or directly indicate my XXXX state. I was asked that it detail certain dates or time frames. 

Im now being subjected to repeated calls and requests for the same and/or similar information which is not only causing additional and undue stress and a negative impact on my conditions. They are claiming information not received or just the need to clarify or verify information stated. 

I was told the mitigation process began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; and was to complete by XX/XX/2018. Now Im told the process did not start and is just beginning and might be a while longer. 

I have repeatedly been inquiring about foreclosure information and told different information, now on self recorded calls. I was told I was in foreclosure. Called the attorney and was told no file in hand. They indicated my file was in loss mitigation and foreclosure never initiated. Called foreclosure department at Dovenmuehle and they stated loan Not in foreclosure. It was in loss mitigation. 

I told all this to a XXXX XXXX and I also told her several dates I tried to get reinstatement details and was not provided. She cut me off and said shed have to get with management to look into things. She said the foreclosure information was incorrect and said she didnt know why anyone indicated confusion. They likely just havent properly filed everything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I sent Western Union money order to XXXX XXXX. I received a letter from Western Union tha it was never picked up. And they would send the amount back to me. It has been several years and I have never received the above {$300.00} to me. 
Whats next?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted my original complaint against Ad Astra and their attempts to collect a debt that was included in bankruptcy. They responded back stating that they had contacted me several times, which included mailing " 12 '' letters and voice recordings of me saying that the debt was not included in the bankruptcy. Which they did not provide. They sent 4 letters, 2 for each account. On one letter dated  XX/XX/XXXX and one dated XX/XX/XXXX that notate my current address printed on it, which was not my address at either of those dates. They also stated that the bankruptcy was filed in XXXX of XXXX and discharged in XXXX of XXXX, which is incorrect. The paperwork they sent via certified mail did not bear a signature and several incorrect pieces of identifying information ; phone number, time at residence, and employment. 

Ad Astra also stated that they had properly validated this debt on previous occasions when I disputed it via the 3 national credit bureaus, which they never provided any documentation. What they have asked is that I provide them copies of the bankruptcy to verify my complaints. Which is the opposite of the company validating the debt to prove they are entitled to collect. They did not provide " documentation '' until I submitted my complaint with this agency. It makes me wonder when Ad Astra received this " documentation. '' Since submitting my complaint to this agency, I have found out that this debt has reached the State of Texas ' Statue of Limitations and it is not clear if Ad Astra is  eligible to collect in Texas since their surety bond company is no longer accepted as a surety bond company according to the Texas XXXX XXXX  XXXX XXXX   website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( 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 non-monetary relief
Consumer complaint received 2018-03-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have submitted letters after letters to the credit agencies to correct my address information and to add my contact telephone number to my credit file and they refuse to do so. I have sent them proof of address, ID, and Social Security Number and they still have failed to update this information. I have been denied credit do to their errors. Please help me to get this matter resolved once and for all. 

Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Correct Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Please add my telephone number : ( 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 non-monetary relief
Consumer complaint received 2018-03-15 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 — Was not notified of investigation status or results
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I filed a dispute to XXXX, a account on my credit report was older then 7 years I used credit karma to do the dispute and it said by XX/XX/XXXX I should have a answer which I did not so I called XXXX they claim the account was already removed, credit karma failed to notify me or update there records

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was traveling overseas in XXXX at the beginning of XXXX. I went to purchase a table at a nightclub called XXXX and was shown and agreed on a table for XXXX . I provided my credit card. When my time of the reservation came ( XXXX ) I went to the front desk to meet the host and was told that because I was only 1 person they did not want to give me the space that was originally agreed because they had other larger groups that needed the space. They told me I would be sitting in the bank corner of the club. I told them the new location was not acceptable to me, and if they didn't want to sit me where we agreed, to give me my card back and I would go buy a table at a different club. They said that they already had my card and I did not have a choice, that I was going to pay them either way. When I said I did not want that table and would not sign the receipt, I was surrounded by at least 5 bouncers, and was told that it would not end well for me if I did not sign the receipt. Since I was forced to sign, I signed the receipt as " FRAUD '' as I knew I would be calling the credit card company right after. I NEVER drank one sip of the alcohol, or sat at the table for 1 second. I called Chase right as I left the club to let them know what happened, and was told I had to wait 3 business days to file the dispute, which I did on XX/XX/XXXX. This was a classic bait and switch by the merchant, was 100 % fraud, and people need to be warned that Chase does not honor their fraud protection promise and everyone should look to get a card from a different issuer, like XXXX XXXX XXXX. Especially if you spend a lot of money. Other Banks will stand behind their guarantees for good customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The company has reported me as 30 days late on my credit. A payment plan was established days ago with the company in order to avoid this. I was told that as long as I pay by this Friday ( Tomorrow the XXXX ) that there will be no negative report on my credit. I attached the confirmation number for the payment for Friday.

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 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I called XXXX XXXX insurance to inform them that I obtained a new insurance company and for them to cancel my policy. I gave them the dates which overlapped with my new coverage of XX/XX/17. My policy with the new company began on XX/XX/2017. I bought my house and combined my auto with house insurance. The next month they sent me a bill and I called them and they said to disregard as they see when I called in, then continued to send me bills emails and voice messages that my bill was past due and the amount kept growing as I constantly called and disputed and complained that I no longer had a policy with them but they kept arguing with me that I did every time I called. I called and called and called but they would not stop calling and sending emails I finally blocked their emails. Now I have received a collection notice in the mail for {$460.00}. I called them again and they told me that I did not return some email that was sent to me that needed to be responded to for termination of coverage!! I then told them that I never received such an email and if it was needed for them to now send it to me. The representative said they would send it but never did and now I am being harassed and pursued to pay this " false debt '' for terminated services. I have gone through this with XXXX XXXX before and refused to pay and they then put it on my credit report when I began to look for a mortgage so that I would have to pay it. I then had no choice but to pay them so that I could go forward with obtaining a mortgage to buy my house. this is not right and injust tactics to force me to pay for services I DID NOT RECEIVE AND CANCELLED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: LA

Complaint narrative:
To whom it may concern I have a collection account on my file from a collection agency named Pro Collect Inc. the accounts are as follows : Pro Collect Inc. 
Please be advised that I am disputing these collections due to the fact that Pro Collect Inc. XXXX XXXX XXXX XXXX XXXX, TX XXXX does not currently have a valid license in Louisiana to collect on debts. This information is stating that their license is currently Inactive according to State of Louisiana secretary of State. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that pro Collect Inc. are licensed to collect debts in Louisiana. Your  immediate response will be greatly appreciated. I Have attached proof that Pro Collect Inc. is not bonded and or Active to collect debt in Louisiana.

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 2018-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: TX

Complaint narrative:
i have been checking my credit every month and this account show up out of no where. haven't received everything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CA

Complaint narrative:
Selene Finance LP is the current loan servicer for my HELOC loan converted to a interest and principal loan in XX/XX/XXXX. In XXXX I received a notification that the ownership of this loan had been transferred from XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX, XXXX with Selene Finance as the servicer. I never received any correspondence, i.e. welcome letter, account statement, etc. from Selene. After numerous phone conversations with Selene 's representatives I was finally able to obtain the amount of my XXXX interest and principal payment and it was drafted over the phone by XXXX for {$1500.00} ( confirmation number XXXX ). This was deducted from my checking account on XX/XX/XXXX. I have since received two collection calls regarding my " past due account '' because this payment is " in suspense '' and has never been applied to my account. I called XX/XX/XXXX to obtain the amount of my XXXX payment and was told by XXXX it would be {$2100.00} due to the 59 days accrued interest for the " missed '' XXXX payment. I explained I had been told the funds were " in suspense '' three weeks ago and it was to have been rectified. He said he would have a supervisor correct it and call me with the correct payment amount. After not receiving a call back, today I spoke with XXXX who said the amount still had not been applied to my loan and I should pay the 59 days in accrued interest and the XXXX payment ( {$2100.00} ) and it would be " sorted out '' by my next payment. I refused, he then checked with a Manager and said to pay just the 59 days in incorrectly accrued interest instead. Again I refused, if I paid that amount I would still owe the principal and interest for XXXX. He couldn't grasp the concept but I paid {$1500.00} over his protests ( confirmation number XXXX ). I asked again to have a supervisor contact me ( they are unavailable ) and he said he would make a note. He informed me they were waiving the phone payment charge of {$12.00} and I asked how was I supposed to pay since they didn't have a dollar amount for me to send a check and I can't access my account online. He had nothing to say. I am very displeased with the way my account is being handled and the failure to have a manager or supervisor contact me per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/2018, my spouse was contacted regarding a personal account that I have in collections. My husband is not associated with this account in any way. He doesn't even know my SS #. The debt collector shared detailed information on this account- amount owed, purchases made, dates, etc. I spoke with them today and they have assured me that he will no longer be contacted. 

Can they do this because we are legally married and live in Texas? I complained to them and reminded them of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have sent two disputes to Equifax, most recent one being XX/XX/2018, regarding inaccurate name and address appearing on my credit report. I have never lived at that address nor gone by that name. I have been told that since name is attached to tradelines it can not be removed. I have contacted these tradelines and they do not have the name associated with my account so I have exhausted all avenues in regards to getting inaccurate name and address removed. The address and name does not belong to me. I have even provided a copy of my drivers license for verification and they still refuse to remove the inaccurate information. Just because it " appears '' on tradelines does not make it accurate. Below are the items that do not belong to me that they continue to report illegally : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX sold my account to XXXX XXXX after I started making payments to XXXX directly last month. XXXX XXXX has made no effort to send me any notices or information via mail, though they claim they've sent 3. They also have made no attempt to contact me via phone directly. They contacted a family member asking for me, when they should have no way of even having this family member 's phone number in connection with me. XXXX should have my phone number, so there is no excuse why they didn't call me first, or how they got my family member 's number or why they called them first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
My account at Santander Consumer USA became seriously delinquent after I lost my job. After receiving an employment settlement, I contacted the company to pay it off. We agreed on a settlement amount of XXXX on XX/XX/2018. They updated the credit bureaus that the account was closed/ charged off as bad debt that very same day. When I got the credit alert, I called the company back on XX/XX/2018 and said that I did not want the settlement and I wanted to catch up the payments and pay off the loan as agreed. An employee from Santander helped me to take the payment to pay up all the past due payments to have the account become 'current ' in their system. 

The account was re-opened and I have complete online access to my records. I've made two more payments since for XXXX and XXXX. The system is showing my next payment due as XX/XX/2018. Same account - same payment amounts, same payment history. Their system is showing I have caught up all the payments and have a total of 53 payments made with a loan maturity date of XX/XX/2018. However, they refuse to remove the charge-off status. I've had my complaint about this escalated as far as I could to resolve this issue. I have also disputed the status in XXXX, XXXX, and XXXX. 

I just got off the phone with XXXX XXXX from XXXX ( XXXX XXXX ) She told me they are reporting the account as open but she would not give me any documentation to say that. She advised me to get with each of the credit bureaus and dispute the status because they are reporting the account as open. However, there seems to be something very, very, wrong here and I think they are committing tax fraud or cooking their books. How can an account be open and current with all the payments caught up and the account shows in good status AND also be something they are charging off their taxes at the same time? They will not remove the charge off. They are saying my account can be open and current AND still be a charge off. Im going to pursue and make a complaint with Consumer Protection Agency and I dont know who else I would need to contact, because the account should be listed as previously charged off and now current or something like that. My original loan is open and in good standing with them. Im sure they are violating the law at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA

Complaint narrative:
I received a deceptive message from a mortgage company names Intercontinental Capital Group in XXXX CA. Below is the transcript of the message they left : Hi it's XXXX, I went straight to voicemail so I hope you're not bothering if you're at work um but we tried sending two letters, and we didn't hear back. My boss said one was UPS, so I don't know if we have the right mailing address. Um anyway, I'll be in the office late tonight so if you could please just give me a favor and call me back either way, my desk is XXXX and um if you got the letter then I guess theres no point in calling me back - all right thanks. 

When I called back concerned as I had no idea what this person wasnt talking about or who XXXX was - I was routed to a female who said XXXX was on her team and they were reaching out to help me reduce my interest rate or cash out equity on home loan. 

They were lying, and never sent me letters or a UPS. This unfair, deceptive, and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone has used my information and pulled hard inquiry on XXXX without my permission.. 
I want my hard inquiry to be removed immediately..

Company response to consumer: Closed with non-monetary relief