vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I have an unpaid XXXX XXXX credit card for {$1600.00}. XXXX XXXX # : XXXX. I paid {$22.00} a month but became unable to pay in XX/XX/XXXX. Now debt is with XXXX XXXX/Halstead Financial Serv. My Ref XXXX & XXXX I have a letter stating they will settle for {$1300.00} dated XXXX, XXXX. On XX/XX/XXXX, while with XXXX XXXX, financial counselor at the XXXX XXXX XXXX XXXX, we asked XXXX at XXXX XXXX XXXX to go over offers from the call with XXXX at XXXX XXXX XXXX. He said I refused those offers and they could not offer them again. One offer was to pay {$75.00} down and pay {$30.00} a month. We were not offered this. We discussed what we remembered about the offers such as {$960.00} lump sum. We called back to hear the response to our offer to pay {$1000.00} total by paying {$25.00} a month. We asked him to play the tape of the call with XXXX. He said he would not play if for me but would listen to it himself. When we discussed paying {$1600.00} at {$25.00} a month. XXXX said he couldn't send agreement in writing. When we told him I was on a fixed income, he repeatedly asked/pressured me to provide my debit card number. I told him I would send a money order. He will not provide me with a fair settlement that will pay the debt. I am not able to pay any of the debt and I offered to settle for {$200.00} but they refused. Due to my not being able to pay lump sum I can't get a reduction. I am trying to make a fair arrangement I can live with long term. That wont happen with XXXX. Other creditors have accepted {$10.00} a month and lowered the amount I owe by 1/2. Halsted is also calling several times a day & they call before XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I have repeatedly informed EOS CCA and XXXX that I was a minor child at the time of this alleged service by XXXX. On XX/XX/XXXX, EOS CCA continually report on all 3 of my credit report inaccurate information. EOS CCA has stated on my credit report that the information is accurate when it is false. Please see attached Birth Certificate and copy of what they ( EOS CCA ) continually reported on XX/XX/XXXX credit report. The picture shows that this has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: DISCOVER BANK
State: GA

Complaint narrative:
I have checked my credit report & notice they have been some accounts on my report that I had no idea of & do not recall applying for. I have contact these companies multiple time & even sent dispute letters to all 3 credit bureaus regarding this matter. I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies Company name : XXXX XXXX XXXX Date : XX/XX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have already tried to resolve my problem with Bank of America thru the CFPB but BoA is just trying to brush it off. At this point I'm trying to protect future consumers who BoA doesn't seem to care about preventing. 

XXXX That is the complaint ID from my last attempt, which was not resolved and was pretty much told by BoA " The person won't answer their phone or email, so oh well '' even tho I provided them with documentation thru the CFPB.

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 2019-04-18 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: CA

Complaint narrative:
three fraud accounts are reporting under my credit file under equifax, these three accounts were disputed several times and no answer from equifax they can not help me and wont help me, they dont even place disputes, each time i call they say its on dispute or they says we can not place under dispute. please help my whole life has stopped because of these fraud account that were opened without my knowledge, i research and found your website, i figured it is better to try then just sit and do nothing, please i will be attaching my FTC report and the police report. 
appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: LJ Ross Associates
State: WI

Complaint narrative:
This is a debt from at least 5 years ago. Placed with this company in XXXX of 2018. It was owed to XXXX for electricty when I was living in another apartment. I called to day to tell them that I could not afford to pay debt because I am on Social Security XXXX and was on limited income. The person I talked to was very rude demanded I pay, when I told her I was on Social Security, she told me that does not exempt me from paying this collection and that I will continue to be bothered by them, and she hung up Well, I cant pay because I have limited income. And they will never get paid, so what difference is it if the release it now or 20 years from now. Same result. Less frustration on everyones part.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XX/XX/2016 {$1900.00} different higher loan amount from original agreement

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 2019-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2019 XXXX XXXX Loan number - XXXX XXXX XXXX XXXX XXXX, NC XXXX Good morning, We're writing to you, in the hopes that you will assist us in managing our request for a loan modification with Bank of America. 

We're already encountering deception and misguidance on their behalf and would greatly appreciate the CFPB stepping in to let them know that they must follow federal guidelines. 

We attempted to get help for our foreclosure situation through the North Carolina Foreclosure Prevention Fund ( NCFPF ). We tried to file for foreclosure assistance online but NCFPF website was unable to upload all of our documents. We then contacted one of their offices in XXXX XXXX and were given the run around for months having to continually resubmit documents and information that had already been provided. We eventually reached out to another office in XXXX which was able to successfully submit our application. The organization stated that they would seek modification of our loan to assist us but that is not what happened. They basically wanted to refinance our loan an we would have had to bring over {$19000.00} to the closing of the new loan. We are now attempting to request modification of our loan through Bank of America. 

Our most recent request for modification began 2 1/2 weeks ago - all documentation was submitted at the same time, correctly labeled and to the correct individuals. Subsequently, we've been asked to resubmit the same few documents - 4 times. I've attached a copy of the notes from every conversation that we've had so far with them. 

it's clear that Bank of America is using deceptive business practices and trying to delay this process, in an effort to discourage us from pursuing this modification. 

I am on the loan, however oh, my wife is on title and you can communicate directly with her - XXXX XXXX Thank you in advance for your assistance with this matter! 

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 2019-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have had my chase XXXX credit card for years now and have always had a credit limit of XXXX $ and have always been perfectly fine with that as it controls my spending habits and i know when i reach my limit as it cancels the transaction. But starting this last statement cycle my credit was changed and increased without any notice. In going to pay off my card this month my balance is XXXX which is far above my credit limit of XXXX my previous balance for this card on XX/XX/19 was XXXX which was paid including interest. In speaking to a chase representative they said that credit limits can vary depending on them but increasing a credit limit without any notification or approval by me is unacceptable and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Control, Inc.
State: WI

Complaint narrative:
I moved out of a apartment complex in XXXX of 2013, giving the manager there a 60 day notice. The apartment complex had numerous managers in the short time I lived there, so I have no idea if the manager at the time got my notice or if it was the same manager 2 months later. I moved out in the begining of XX/XX/2013. My girlfriend and I cleaned the apartment very well, in fact while I was waiting at the new apartment for people to come with our things, she finished up cleaning and vacuuming and made sure the apartment was in good shape. Five months later I get contacted by collection agency that I owe {$2700.00} for unpaid rent and cleanup of old apartment. I was floored. Talked to both the real estate company and collection agency to no avail. Thought by now they would give up. A couple of things here. One, this debt is untrue and so old that I have no idea why it is still be sought by them. Secondly, since this time I am on Social Security XXXX and can not work. There is no way I can ever pay this amount even in small payments I can hardly make it as it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
RE : Intent to file lawsuit, HIPAA Privacy Violation Please be advised I have requested validation { not verification } of an item reported to credit bureaus by TSC A/R solutions. I have received a response that clearly violates my rights according to HIPAA.

TSC A/R Solutions did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against TSC A/R solutions should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
My Name is XXXX XXXX XXXX P # XXXX. I have a mortgage loan with XXXX XXXX XXXX in XXXX, NM. Their phone number is XXXX. On or around the first part of XX/XX/XXXX XXXX XXXX XXXX paid an insurance company that I was no longer with {$1100.00}, not to mention paying the insurance company that I am indeed with. This caused a shortage in my escrow account of around {$1100.00}. It also caused my monthly mortgage payment to increase. I was not informed of this issue for almost a year. I continued to pay my regular monthly payment not knowing fees were accruing. In XX/XX/XXXX I had no choice but to pay {$1500.00} which was stated is late fees, shortage fees and who knows what else. I agreed just so this could be over. A manager agreed that there will be no more charges and owing extra charges will no longer happen. I also sent a regular monthly payment of {$870.00}, hopefully my mortgage payment will decrease back to {$820.00}. Today is XX/XX/XXXX, I received a call yesterday stating they did not receive my monthly payment for {$860.00} that I did indeed send. This never ends. How can I get them to stop harassing me for money still to this day? How can I stop owing them so much money. It never ends. No matter how much I pay on time, it seems every year I am paying at least an extra {$1500.00} to them along with every single monthly payment that is never late. Its unfair that I had to pay for their mistake and still being charged money for the damage that it has created. I have been threatened that my credit will be damaged and threatened with foreclosure. I am asking for your help. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
1 ) Synchrony Bank is illegally charging improper late fees.

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 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Opened Checking account with Chase Bank XX/XX/2018. Approx 6 months later was granted a Chase credit card with credit limit of {$2200.00}. Was not advised of subsequent credit check by Chase would lower my already low credit score. That credit check lowered my score by 14 points which I was unaware of until much later as I manually checked it thru Chase 's web. As a XXXX year old man I am not confident that I will ever bring it back up as a result Chase 's inquiry. Chase has In Effect blocked my ability to get credit anywhere else and will not deposit the credit of {$100.00} back into my checking account because I cancelled the credit card. That {$100.00} was a refund from XXXX which had the credit card as main means of payment for THEM of which I satisfied from my checking account. Chase has informed me that according to them they can not credit the XXXX account. I never requested it re-credited to XXXX and in fact requested it be credited to my checking account which is the source of the {$100.00} in the first place.They said the only way they would refund it is thru a check in the U.S. Mail. I informed them that I would not prefer the U.S. Mail for a check due to obvious reasons. I reapplied for them to reinstate that credit card so i can retrieve my money and have not received the positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grimley Financial Corporation
State: PA

Complaint narrative:
I received a call on XX/XX/XXXX that I owed a medical bill for XXXX Hospital from XX/XX/XXXX. This was a workman 's comp claim and I was not responsible for the bill. I had called XXXX Hospital in XX/XX/XXXX and gave them all the information for the workers comp carrier to bill. I continued to receive bills from XXXX in XXXX, XXXX and XXXX. I called XXXX every month and gave them the workers comp info to no avail. In XXXX I received the call from Grimley told them it was a workers comp issue and the man I spoke to was not nice on the phone. I told him not to contact me again and not to send any letters as this was not my responsibility. On XX/XX/XXXX I received a collection letter. I called XXXX hospital on XX/XX/XXXX and told them again this was not my responsibility. They said that they had spoken to XXXX and would be billing them and they had recalled the account from Grimley. I then called Grimley on XX/XX/XXXX to advise them that this was a workers comp issue and XXXX was going to recall the account. I asked them to not contact me by phone or mall again. The woman that answered the call never gave me the mini miranda or identify herself. When I informed her of the situtation she was very rude and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Despite my verbal requests to communicate with me in writing ONLy and to cease all calls to my phone number, Debt collectors from Freedom Mortgage ( XXXX ) continue to call and harass me. Below is a brief listing of the times and dates of calls from Freedom Mortgage for 2019. Please note that I recently replaced my phone and will have to access XXXX for a full history of calls from Freedom Mortgage. 

XX/XX/2019 @ XXXX XXXX  EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX  EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX EST XX/XX/2019 @ XXXX XXXX  EST

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 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Check Cashing & Loans
State: CA

Complaint narrative:
On XXXX XXXX I paid off my previous pay day loan and immediately set up a new payday loan with her for me to pay this new loan on XXXX XXXX. I convinced her the timing was ok ( she says I can not do it for longer then 30 days ) which is fine with me. 

But this is 1 of 6 pay day loans I have ( 3 locally & 3 online ). I have been messed up since XX/XX/XXXX ( maybe it was XXXX? ) Last week I had learned previously that if you do these loans too often there is a way to get out of it. So I asked 2 of my 3 local loaners how I could do that. XXXX, the manager at XXXX XXXX XXXX in XXXX XXXX in XXXX XXXX Calif.. XXXX now will set me up to pay {$75.00} for months in a row when I go in next week on XX/XX/XXXX th to pay. XXXX told me be sure I to come in that day when my loan is due and tell the employee I want to do the $ XXXX month for 5 months. 

XXXX has always been a pleasure to work with. 

Then I called the 2 nd one of the 3 local companys. Same process I will do there. 

Then I called the manager ( only one employee ) at the 3rd local company Check Cashing & Loans at XXXX XXXX XXXX in XXXX XXXX. I have been dealing with her for probably 20 years of pay day loans. I am sure she knew what I was asking for ( the same deal - 4 payments of XXXX for 4 months in a row. She said something like We dont do that. Then I hung up. She is wrong & I know that. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Cell phone : XXXX-XXXX-XXXX Ps : Somewhere in all my papers I have my copy of the documents. 
But she knows me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My cabinet installer overcharged me and he had to give me a refund of {$500.00}. Since his work was far we both agreed to use XXXX on Bank of America mobile transfer since it's advertised as it's quick, easy and secure. So he sent {$500.00} via XXXX, I got a text message that the cabinet installer sent me {$500.00}. so I checked my account on Bank of America, but the money never come in. He showed me the transaction was completed, he put the correct phone number, there was no mistake to send to the right recipient which is me. We both called Bank of America, they said they will fix the problem but after filing 2 disputes and 2 claims against the error that Bank of America has occurred, they clearly lost the money, 3 of the bank 's representatives said and admitted that they are not supposed to tell customers not to use XXXX to send or receive money because it is not the most secure way to make money transfer. After waiting for their decision and the bank is now saying only thing we can do is filing a legal action against Bank of America. Please let the bank stop giving misleading advertisement with 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 explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Excessive Credit Pulls from the same company. 

Spoke with XXXX XXXX XXXX they confirmed XXXX XXXX XXXX XXXX XXXX pulled my reports in access of 6 times. They have completed investigation and requested inquiries be removed. hese are still showing on my bureau. They agreed there is no reason for multiple pulls in 24 hr time span. 

Credit Bureau used Equifax & XXXX dates pulled XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX did not have the authority to continue to pull my report multiple times in a few days. Date on the application was XXXX XX/XX/XXXX. They were not authorized to continue to pull. 

Please remove inquiries from my credit bureau.

Company response to consumer: Closed with non-monetary relief