vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES
State: NY

Complaint narrative:
Denied credit. when reviewing credit report from XXXX found GLELSI/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. XXXX dispute site non-functional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Even though Comenity Bank closed my account, on X/X/2017, I contacted Comenity Bank & informed them that I was experiencing a hardship, & my paychecks were being garnished for taxes. They insisted on putting me a hardship/settlement program & wanted {$1500.00}. I informed them then I did n't have it nor really could make the {$500.00} payments for 3 months. I had received various telephone calls in XXXX, XXXX & XXXX afterwards & I informed them I really ca n't pay it. On XXXX, a rep name XXXX call & I informed him that I did n't have the money to pay the settlement amount {$1500.00} dollars that they are trying to collect. I informed him that I had lost my job & just started working back again & had several bills to catch up on including my rent. In addition, I had informed him the amount they are reporting to the credit bureaus was incorrect stating I owe almost {$3200.00} & then he stated that it was {$2600.00}. He stated in a rude manner, " well, how are you living and supporting yourself '' - " why did you set up the payment arrangement if you did n't have it ''. I informed him that I had informed that hardship people at their bank that I did n't even have that amount, that I 'm a single, divorced mother with XXXX XXXX from marriage that I am caring for & that I am about to be destitute. He still had a nasty tone & stated well I 'm going to investigate you. I hang up on the rude person. After the call I was very upset. During my lunch hour, I found a XXXX store & paid {$20.00} on the account. I travel 2 hours every day for my job & I used my gas money to pay something towards the account. Today, XXXX, an unknown number called & the rep left a message saying this is an important matter from the bank. I have never provided them with my work number. My cell phone is setup to block private/unknown phone numbers. They 2 seconds later, the same female rep called from an unknown number to my new job. My employer doe n't allow for these calls at my job. I informed her & stated that she is not allowed to call me at my job. She claimed that she can. I hung up on her. I turned around & called Comenity Bank & reported it & asked to speak to a manager, but they gave me XXXX from the Resolution Team. I explained to him the incident & the various conversations I had with their reps ; and, he claimed that they removed all my numbers. I asked him to report this matter to executive ( President ) he claims that he had sent the message to the appropriate person/team, but could not sent to the President of the Company and they will handle this information as they see fit. I 'm very upset about this. I have had other Comenity Bank Credit Cards and paid them in full. This one fell behind because I do not have the money to pay it right now because I have other debts that take precedence. They do n't care and they are rude and abusive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. XXXX is the debt collector for Chase who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD onXX/XX/XXXX for a XXXX XXXX grant. While visiting my only surviving relative, XXXX mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} by XX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XX/XX/XXXX would be a deadline date in this country, but I called XXXX that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned XXXX Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up onXX/XX/XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XX/XX/XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
The debt started with XXXX XXXX for {$610.00}. I made an agreement with them to pay {$200.00} a month. After I paid my first {$200.00} on XX/XX/XXXX they sent the debt to their attorney Velo Law. Velo law then got a judgement against me for the full amount of {$610.00}. After arguing with Velo law and XXXX XXXX for several months they continued to push me off on the other company. When I called XXXX XXXX to receive a receipt of the {$200.00} that I paid they would not give me one. They claimed they contacted the lawyer and they can do nothing else and hung up the phone on me. Once I made my final payments, I contacted XXXX XXXX to ask for a receipt of the amount I paid, they screamed, yelled and hung up on me. I believe that Velo law and XXXX XXXX are working together to receive more money from people for the original debt that is owed and splitting the difference, because I had already agreed to pay XXXX XXXX. The debt was turned over to the law office after I made my first payment. Velo went to court and got a judgement against me for {$920.00}, though I had an arrangement with XXXX XXXX to make payments. Both companies state they are working with each other and they are taking advantage of people. Velo did not contact XXXX XXXX to inform them that I made a payment onXX/XX/XXXX, they only informed them of the payment made on XX/XX/XXXX. So my credit report reflected my debt was not paid in full, when in actuality it was. I can also provide bank statements showing all payments made. Neither company was willing to send me documentation of all payments made and both hung up on me. I paid {$200.00} with check XXXX on XX/XX/XXXX I paid {$210.00} to Velo on XX/XX/XXXX I paid {$200.00} to Velo on XX/XX/XXXX I paid XXXX to Velo on XX/XX/XXXX Afterward Velo then sent a notice to garnish my wages for an additional {$380.00}. My additional debt was for a medical bill that is a non-interest bearing debt, but they are claiming that I must pay interest and their court fees. I was taken to court after I made an arrangement with XXXX XXXX to pay. In total for a {$610.00} debt I have paid {$1000.00}. Neither Velo nor XXXX XXXX would explain and both were rude, threatening and did not speak. I had a small debt, luckily but imagine someone who has a higher debt the amount of fees these two are working together to charge people. I paid the debt almost twice. This seems to be a scam and unfair. My account number is XXXX at XXXX 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 2017-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have to continuously have my loan payment allocation corrected by calling or emailing customer service for XXXX XXXX. I have decided to end my auto-debit to see if that would make the payment easier, but it 's worse. Without auto-debit I have no way to schedule payments ahead of time, there is no option for scheduled payments with manual payments. I also do not have an option to have my extra payments go towards my principal loan balance. These extra-payments either advance my due date or go towards the next month 's payment. I have repeatedly told them in both emails and phone calls that I do not want my payments applied this way. This does n't seem to help, I still have to call and email to have it fixed. This was not a problem until XXXX transferred my loan to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Denied credit. when reviewing credit report from experian found XXXX/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. Experian dispute site non-functional.

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 2017-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX

Complaint narrative:
FIRST INVESTORS FINANCIAL SERV, Account Number : XXXX .... " is reporting a car that I had financed through them in XXXX of XXXX. The car was then totaled out in XX/XX/XXXX and paid in entirety by my XXXX auto insurance. They have then reported late payments for XXXX and XXXX of XXXX and then reported a charge off of {$930.00} I disputed it with the credit bureau 's and they have responded with " Comment : Purchased by another lender '', however, THEY are the company reporting it on my credit and it is not listed on my credit report with another lender. I was n't made aware of this at all. Even still, the information would be incorrect with the other lender as well. I demand that this charge off be corrected and update on all reports.

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 2017-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
ARS - listing debts I do not owe - asked for validation - they did not provide - these were removed from my credit reports three years ago - Now they all popped up on my reports again - I 've sent them another request to validate - they did not do so. I sent this information to XXXX - they refuse to remove the non validated item for the second time.. - They removed it the first time - once ARS fails to validate and the credit reporting agencies - ( XXXX, XXXX, XXXX ) remove the notation, because ARS failed to validate and violated the law, then how in XXXX do they put it back on my credit report again?!? Can I sue them for this?

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 2017-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Wednesday XX/XX/XXXX I paid Credit Acceptance XXXX to redeem my repossessed XXXX XXXX XXXX. I spoke with the redemption dept who set up a payment plan to bring the account current. The next payment was due XX/XX/XXXX in the amount of XXXX give or take a few cents. I was n't advised there 's no grace period and I made the payment on XXXX/XXXX/XXXX after talking with a representative that called me on XX/XX/XXXX explaining the arrangement is no longer valid and can not be reset even if I made the payment with them. They wanted to know why I could n't make the payment on time. I explained to rep ( her ) that " I stopped working XX/XX/XXXX. I had an unemployment claim already opened so when I reported my unemployment it was attached to the claim that expires on XX/XX/XXXX after which you have to file a new claim even if you 're are n't working. Well I started a job on XX/XX/XXXX so my new claim is only for 1 week of unemployment. After waiting 30 days for the claim to be approved I was told because I 've never received payment under the new claim, it wo n't payout the 1 week until I report unemployment again. That was {$500.00} I needed and was counting on to help catch up all my bills. '' I have never heard of a no grace period, no was it explained and there 's no paperwork explaining the repayment plan and the consequences. All these arrangements are done via the telephone. On XX/XX/XXXX I called Credit Acceptance to confirm the payment and was told by the rep that I have to pay XXXX every two weeks until the account is brought current. Right now the account is maybe 30 days late meaning I owe 1 payment. I asked to make a payment on XX/XX/XXXX which is my payday and he stated he can not make any arrangements past the date of XX/XX/XXXX I made the payment today for XXXX and they are still threatening to pick the vehicle up every 2 weeks. The only way to get back on a payment plan is basically let them pick the vehicle up and then pay the fees and costs for the repossession and I they will work something out for you.

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 2017-07-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX reported debts on my account a few years ago. I requested validation because I knew nothing about this - XXXX failed to validate with me after I sent them a registered letter. I sent this information to all three credit bureaus ( XXXX, XXXX, experian ) - the credit agencies removed the XXXX listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to XXXX about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. experian deletes all but one of the XXXX listings. XXXX deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to XXXX that they received. I send copies to the credit reporting agencies of both the letter I sent to XXXX, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.

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 2017-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The beginning of last year I received notification from this agency. I immediately called and spoke to a representative and stated I am disputing the collection. I asked for proof of validation. 2 Weeks later I received the same demand for payment letter with no validation. I then requested validation again in writing. I no longer received any form of communication from this agency. Instead they put the collection on my credit with a memo saying I dispute the collection. The address provided on my credit for the business is XXXX XXXX XXXX XXXX, XXXX, GA On X/XX/2017 I requested verification through the Credit Bureaus. I received no response so I requested again on X/XX/2017. This time the collection was removed from XXXX because the company has yet to validate this debt of {$3200.00}. On X/XX/2017 I filed a complaint with the BBB. Complaint # XXXX. This company failed to respond to the complaint. It has been well over 30 days since my last request but over a year and a half from my initial request. They have no proof of this debt. I have no contract with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
OVERVIEW : I am a former home equity line of credit ( HELOC ) customer of Regions Bank. I have satisfied the HELOC in full on XX/XX/XXXX and Regions Bank confirmed this via their attorneys XXXX, XXXX XXXX XXXX, XXXX, as well as by refunding me overpayment check but Regions has yet to satisfy/release the mortgage they put on my home preventing me from refinancing my home at another bank. It has been four months and Ive tried to contact Regions multiple times but keep getting the run-around and cant even get them to call me back/write me back/assist in this matter at all! Background & Details : I first obtained a HELOC from XXXX XXXX XXXX XXXX in the amount of {$300000.00} with my wife on XX/XX/XXXX and they subsequently recorded a mortgage against my home in the same amount ( ATTACHMENT 1 ). In the years since, this HELOC has been extended several times and sold/transferred to several different banks until finally landing at Regions Bank.
I was discussing renewing this HELOC with Regions Bank loan officer when I received via mail ( ATTACHMENT 2 ) on XX/XX/XXXX that the loan was due/past maturity and Regions was calling my loan due for total outstanding amount. After discussing with their law firm XXXX, XXXX XXXX XXXX, XXXX, I decided to pay Regions back in full and made full payment amount of {$300000.00} ( ATTACHMENT 3 ) on XX/XX/XXXX. XXXX, XXXX XXXX XXXX, XXXX. sent me confirmation ( ATTACHMENT 4 ) that they had received the payoff and that their legal file was closed out due to the pay off of the loan. They subsequently informed me via telephone that Regions Bank would satisfy my mortgage and remove it from title of my property. Regions then sent me via mail a cashiers check for {$98.00} ( ATTACHMENT 5 ) stating OVERPAYMENT OF LOAN on XX/XX/XXXX signaling their receipt and closing out of the loan. Please note that the loan number on original notice of payment from Regions, wire confirmation from my Bank, confirmation letter from law firm & overpayment check from Regions all match as same. Since XX/XX/XXXX, I have made no less than 10 calls to Regions Bank asking for them to release their mortgage on my property so I can refinance my home but each call has failed and they can not even refer me to their loan satisfaction department.
Any assistance you can give me to resolve this situation with Regions Bank would be greatly appreciated. Thank you in advance for your help.

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 2017-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I have an unverified account from AMSHERCOLLECTION SERVICES. I had previously disputed this account. I have never done business with AMSHERCOLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMSHERCOLLECTION SERVICES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMSHERCOLLECTION SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SRA Associates, Inc.
State: NY

Complaint narrative:
SRA associates started to collect on a debt I am not aware of. I asked them to validate the debt but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I obtained a sample online in which I agreed to have the company mail to me in the amount of {$5.00} -Eye Serum ... w.in 2 weeks later they tried to charge my CC an amount of {$89.00} ... I called my bank and advised I never agreed to such / there was NOTHING on line in which I would agree to such as I NEVER would have purchased same. they provided me temp credit and now I received a response from Bank stating they are reversing that credit onXX/XX/XXXX however failed to provide me ANY documentation ... They are NOT protecting me as their customer and this is NOT acceptable.. I never agreed to such and if the company is stating I signed anything it was NEVER online or via mail so it is FRAUD!!! I HAVE emailed Chase w. no response.

Company response to consumer: Closed with explanation