vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: D2 Management LLC
State: CA

Complaint narrative:
On XX/XX/XXXX2015 I filed a complaint with CFPB letting you know this company has incorrect information on me. I have no idea what they are talking about. However, I am exhausted from these people threatening me with being served if I don't respond. In the 2015 complaint, it stated the complaint is not to contact me. They have AGAIN. I had to explain the same thing over. I DO NOT owe any payday loans or any banks. This is harrassment at it's best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 120 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XX/XX/2018 I was involved in a rollover accident as the driver. The vehicle was registered to my husband and I had co-signed on this car loan. We both are seniors and XXXX persons. XXXX is a XXXX yr. old XXXX veteran ( husband ). There was loss of property and I was the only person involved hurt. The insurance company ( XXXX ) spoke with XXXX about this claim. He was informed that the vehicle was totaled and would be paid off. Even though Honda Finance was contacted XX/XX/18 by XXXX and provided payoff information ; we both have been reported late to credit agencies. There was never a late payment on this account before this accident. However, a Honda Financial supervisor later told me there was a legal obligation to report this vehicle payment as late. Despite admitting  knowledge that the insurance was paying the debt off, the severity of this accident and impeccable credit history. During this period I was involved with a mortgage lender and was informed by them of this late payment on my report. I have yet to receive anything from the lender ( Honda ) regarding reporting this matter. I did receive a letter dated XX/XX/18 stating the vehicle was paid off. The fair reporting should reflect our true history, not errors of insurance companies or misinformation provided by these company 's. It appears extremely subjective when my lender informs me, he has seen this type of payoff debt removed for other clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am a XXXX person with a modification in place w where the UPB has been paid in full and with no prepayment penalty and 0 % interest on deferred principal balance. payments of {$1600.00} and {$1500.00} there on. With intent to foreclose, Ocwen chareged a unwanted appraisal fee of {$110.00}, refused payments sent, sent delinquency notices, kept escrow account in red, loan in past due status and charging a 1 % not applicable as principal deferred is 0 % interest. statement dated XX/XX/2018 show last activity from XX/XX/XXXX to XX/XX/18 with a deferred principal balance of {$100000.00}. with XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments of {$1500.00} deferred principal balance should reflect {$94000.00} as correct principal deferred balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Since XX/XX/2017, I have been attempting to determine how many qualifying payments I have made under PSLF. I have called customer service repeatedly, and they have not been able to give a consistent answer. In XX/XX/XXXX it was 3 payments, and today it is 9. I have not been able to determine exactly why they have not counted the payments. The answer to that question is different every time I call. Today, I spent almost 90 minutes trying to speak to a manager. I was left on hold for over 20 minutes. I was hung up on. Ultimately I was told a manager would call me back. She could not say who. She could not say when.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
As previously discussed and unaddressed in complaint # XXXX ... I've given feedback that the complaint was unresponsive and closed without meaningful addressing the issue ... 

The problem with the response : ( a ) I have a protected monetary interest in the money I'm owed and the CFPB stands by, impotent, to protect that interest. 

( b ) If I was a business and had a business bank acct, business address ... etc I would not have had the necessity to file a complaint. 

( c ) If PP cooperates with XXXX, a preferred payment option ... and XXXX allows me a limited opportunity to list and sell items as an individual, why must PP demand I set up a business and then CFPB stand by and allow this transgression. 

( d ) Lastly, and as confirmed in the company response ... if I do not conform to a business requirment that I am not ... My monetary interest will be returned and essentially work in concert to steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: ID

Complaint narrative:
I would like to file a complaint against AFNI , Inc. for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from AFNI on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with XXXX  on XX/XX/2018 after sending the request for validation. I sent all correspondence between AFNI, Inc. and I to XXXX, regarding this debt. Even though AFNI, Inc. had not provided me any information regarding the debt in question, AFNI, Inc. responded to XXXX  that the debt was valid. 
I still had not received a response and the collection was still showing on my credit report on XX/XX/2018 so, I sent them another letter ; via certified mail, requesting removal of this debt from all collection agencies. This debt has not been removed from any of my three credit reports ; therefore, I would like to file a complaint against AFNI , Inc., for violating the Fair Debt Collection Practices Act, 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for a loan modification aproximately a year and a half ago. Citibank continually denies the loan modification. The reason Citi mortgage denies my loan modification, is because my income is unverified according to Citibank. My concern is that continually resubmit my application and I receive a vague answer from the company. I do not feel that Citibank is being cooperative with allowing to fix the problem. If there is a problem with the part of financial aspect of the application, I need them to be direct about problem. I continually go over the paper work and resubmit it. I have attempted to contact them and trouble shoot. I hired an attorney to speak on my behalf. XXXX XXXX has tried to get clarification. In addition, he feels like Citibank is being very vague with him. Also, I am working with XXXX. XXXX contacted Citibank to find where the errors are being made. They have not heard back from Citibank. The last response from Citibank is that the underwriter is on vacation. I do not feel that Citibank is being helpful. I am not trying to be fraudulent with Citibank in any way. My only going is to ave my largest investment. I have desire to file bankruptcy. If I do not qualify for the program based on the numbers, Citibank should be direct with me. Truly that is all I want. If I have to file bankruptcy as a last option, that is what I will do. Please assist me with getting a direct response from Citibank. Thank 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 2018-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: MI

Complaint narrative:
Constant telephone calls. Sent an email requesting the account be considered paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Still in the hands of Bankrupcy protection agency. I also paid a company to fix this issue but nothing happened. Its a lawyers company located in California. I paid like {$4000.00}. 

Also, since my house was damaged by the storm this year last XXXX, I hired an inspector- XXXX XXXX XXXX base in Pennsylvania to get me insurance money to have my house repaired. They got me {$4500.00} to fix my house and pad XXXX  {$1500.00} for their service commission. Now the check was endorsed to Select Portfolio servicing in Utah- XXXX XXXX XXXX claim # XXXX and held the repair money until now which I said its for repairing my house. They dont want to release my insurance money. 

I would like you to please help me retain my house by giving me a modification 2 % interest which I was begging them to modify my mortgage. Also please help me get my insurance money to have my house fix. 


Begging for your intervention. 

Hoping for your kind assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX if no answer please leave me a message. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CO

Complaint narrative:
My ex husband opened up an account with my name as a joint account holder without my knowledge and during the divorce he was ordered to pay the balance but he failed to do that and it is now a charge off on my credit report. I have tried with the company and the bureaus to get the accounts removed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Critical Resolution Mediation LLC
State: TX

Complaint narrative:
MR. XXXX calls and tells me he is with the legal department. Claims to have a check that I issued and left them with. I have never issued them a check. In XXXX I told him I have an account with XXXX  XXXX, infact I have 2 other credit cards with them thru XXXX XXXX which is owned by XXXX XXXX as well. Therefore If I owed XXXX XXXX, why would they turn around and issue me 3 more. I have asked him to STOP calling me. He continues to call from this number XXXX. Today I called back and the lady that answered pulled up my number and said " I apologize for the call, I see we have you on the do not call again list ' disregard the call. Then about about 4 hours later I get a call from MR . XXXX from XXXX, I got 3 calls from there and answered to find it was him again, threatening to take legal action, threatening to come to my job or home to serve me. At first I didn't know it was him, I told him what are you talking about and he said This is MR. XXXX, you called the collection agency this morning did you not! I then realized it was him and once again I said STOP CALLING ME! And I hung up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: NY

Complaint narrative:
After receiving an initial letter from XXXX XXXX XXXX ( ERC ) I replied in writing that I disputed the validity of the alleged debt and that any future communication from them was to be exclusively in writing ( no telephone calls to any number ). To date I have not received any verification or validation information or even any acknowledgment of my dispute and they continue to call my cell phone ( sometimes multiple times per day and/or early in the morning ) despite receiving both written and verbal cease communications orders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have made several calls Chase Bank in order over the past three months or more.

I attempted to receive clarification regarding what I was being charged. I was never provided with a clear explanation of charges.

Even when I went to a branch office located 20 minutes by car from where I live. The branch officer printed a copy of my bank statement as it pertained to my credit card account ; but was unable to explain to me, why I was being charge more money than I had spent on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
after I filed these complaints, They still called the next day.

However, I did call them, all the guy wanted to do is belittle me and tell me this is not customer service. He said his bills are paid.

I in fact set arrangements and they still attempted to threaten and harass me about the bill.

Now, they sent an update to the credit bureau and put 120 days past due. Out of spite ... I even have automatic payments going to them.

That's not what they agreed upon. they are dirty..

NC was included in a Natural Desaster Area and I was included in a flood area.

I lost work due to Hurricane Florence.

I will also contact the NC Govenors Office because of this. Consumer affairs.

Yes, it was a past due account, but now they will not allow me to follow through with the arrangements since they wouldn't stop calling, I told them to cease and desist. any and all communication.

They stopped calling, but they are trying to affect my credit in a negative way now, since they did not get their way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citibank checking and savings account on XX/XX/XXXX with the promo code XXXX with the expectation that once I met the criteria that were stated I would get the promised {$400.00} cash back. As of XX/XX/XXXX, not only have I not received my cash, I have had to call in multiple times to have incorrect fees waived from my account. I have had multiple claims supposedly submitted on my behalf but they have just gone into the ether.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
I found out from a District Court notice that an attorney XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX is Suing me for Debt allegedly belong to a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX XXXX. Apparently this XXXX XXXX XXXX acquired this Debt from XXXX XXXX where I had a auto Loan from in XXXX. I had recieved one notice from this XXXX XXXX company earlier in XXXX. I had tried to call them with the Phone numbers provided and they are not valid numbers. I tried to email them from their website and recieved no response. As of this complaint filing I have had no contact with XXXX XXXX. I assumed it was a scam so I just kind of let it go until I was served a Summons for a lawsuit. I have contacted the Attorney above about this Debt allegedly now owned by XXXX, They are Trying to have a Judgement placed on me for XXXX XXXX  which is allegedly owed. I have ask the Attorney for the contact information for XXXX and they gave me the same numbers that I already had and tried and are not valid. I ask them how they contact this XXXX XXXX management and they Replied that they never spoke with anyone, only email. all this has happened in the past couple weeks. I last tried to contact XXXX on XX/XX/XXXX and I did talk to their attorney on XX/XX/XXXX and could not resolve anything. 
after further looking into XXXX XXXX XXXX XXXX I found out that just recently that the company was shut down by the Securities and Exchange Commission for fraud and that the president XXXX XXXX XXXX and others that owned collection company 's under various name where charged and being investigated. Also the Company has many XXXX  Complaints like mine. I believe that I am a victim of unfair collection practices and that I could not verify this debt with this company or even have ample time to resolve this Debt in any way shape or form. I have a court date of XX/XX/XXXX where the attorney above is asking for a judgement. I do not believe this debt is owed this company and at the least because I had no way of contacting this company that any judgement for this company should be granted. I only recieve SSI and I will never hold a regular job again due to my XXXX, and without being able to even contact this Company this is causing undue Stress. Again as of XX/XX/XXXX I still have had no contact with this company to try to resolve anything as the contact information is invalid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: ID

Complaint narrative:
I would like to file a complaint against Experian XXXX for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from XXXX  on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter to XXXX XXXX ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with Experian on XX/XX/2018 ; which was opened on XX/XX/2018 by Experian, after sending the request for validation. I sent all correspondence between XXXX, XXXX and I to Experian, regarding this debt. I also explained in my dispute that I had not received any documentation regarding this debt from XXXX XXXX XXXX, that the debt should be removed from my report based on the Fair Debt Collection Practices Act. 
To my dismay I was notified on XX/XX/2018 I received notice from Experian that my dispute had been processed ; however, there was no change. I then called and spoke Experian regarding this dispute ; the girl who answered told me that XXXX said it was valid so there was nothing she could do. 
My original intent was to file only a complaint with XXXX, but then I was informed Experian had violated my rights as well. It is for this reason I am filing a separate complaint against Experian.

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 2018-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
Please see attached documentations for this ongoing dispute of over 3 months with XXXX XXXX, and Their Financial Representative XXXX XXXX. Their adverse actions have disrupted my membership, and could potentially prohibit my future use of the facilities, or face heafty increased fees.

Company response to consumer: Closed with explanation