vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
This is my 2nd complaint in regards to this collection. The original complaint : XXXX, concluded that Collection Information Bureau , Inc. will resend account statement of collection. I contacted the company requesting the ORIGINAL invoice document. I was informed that the original amount was {$25.00} plus accumulated interest and the documents had been sent some time between XXXX/XXXX/XXXX to date. I advised that I DID NOT receive any documents until XXXX/XXXX/XXXX as a result of completing a credit check and noticing said account indicated as collections on my credit report with one credit bureau and not the others. The employee arrogantly informed me that notices were sent in the past ; however was unable to provide specific dates of when notices were sent out to me. She arrogantly stated, " We are not going to keep sending letters! '' I asked if the document was sent via certified mail and the employee responded that mail is not sent certified from their company. She also informed me to send a money order to the address listed and then I will receive an invoice receipt. I refuse to send a payment to an organization that has failed to provide the ORIGINAL invoice that is not dated 5 years later or the originating proof of said account, as this is my right as a consumer. I am requesting original documentation from doctor indicating amount, as I have always had health insurance and doctor 's offices do not render services unless co-payment is paid first, as well as proof of date the notice was sent. I also noticed that this collection agency had an incorrect mailing address on the summary of account that was just mailed to me after I submitted the original dispute. During my telephone contact today ( XXXX/XXXX/XXXX ) is when my address was corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
I used to have a XXXX account, and I left XXXX because my bills were always over XXXX a month just for XXXX phone lines. XXXX XXXX, XXXX I went o XXXX and signed up with XXXX. I understood I had a balance due with XXXX and I tried many time to make arrangements with XXXX to continue t pay XXXX a month until this bill is paid off because as of now that is all I could afford. XXXX itself kept not corporating with me, and on XXXX XXXX, I started receiving calls from a XXXX person saying they are a partner with XXXX and want to collect a debt, I explained my situation to them explaining I am not working right now I am recoving from a XXXX and I can XXXX  between XXXX and XXXX a moth. they said if I want to return to XXXX I had to pa XXXX a month, I explained to them again, I can not XXXX this so I will not be returning to XXXX. the person I spoke with was XXXX who said she can set up arrangements and on XXXX XXXX, I paid XXXX to the XXXX PARTNERS OF XXXX. today, XXXX, I received a call from a gentleman from XXXX stating I had to make payments of XXXX. I said I had arrangements set up for the XXXX of every month to pa XXXX or XXXX he said well those are no longer good arrangements and I am only going to accept XXXX or more with new arrangements. that is against the law and I am not going to keep being harassed every day 5 times a day by this company. if I continue to stay under stress the next XXXX will kill me my doctor said. and it is very easy now for me to have another XXXX since I just had XXXX. I thought it was against the law for a company to do this to a consumer. I thought as long as a consumer makes payments a company can not do anything to them or put nasty negative things on their credit report. I want this matter handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Nationstar is foreclosing on my home. 

In XX/XX/XXXX, Nationstar refused my payment to bring my account current. 
One of the reasons I was given was that after a 3 month trial for a modification, the final paperwork was never signed. In XXXX, and after Nationstar still accepted a payment without those papers being sign, I asked that those papers be emailed to me so that I could sign them. They were not. 
Had Nationstar sent those papers, via email, as I requested, accepted my payments, in XXXX, my home would not be in jeopardy. 
I have applied for a modification twice since XX/XX/XXXXand twice been rejected. 
As per legal advice, I have requested by email ( XX/XX/XXXX ) documents related to my account. Nationstar has not responded. 
I have also sent by certified mail, Request for Information forms ( RESPA ). It has been over 30 days and Nationstar has not responded. 
My home should not be in foreclosure. 
This entire situation has continued to have an adverse affect on my physical and emotional health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery is attempting to collect debt that I have no knowledge of. Calling at all hours of the day and night, sometimes trying to be deceitful by changing numbers to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: WA

Complaint narrative:
I recently refinanced my VA mortgage loan with XXXX Bank. The terms and conditions of repaying that loan were disclosed at time of escrow closing. The monthly mortgage payment is due the XXXX of each month, and the borrower is provided a XXXX grace period before any late fees are assessed. 

Within just a few weeks following loan closing, the lender XXXX sold the loan to Pacific Union Financial LLC out of XXXX XXXX, TX. Pacific Union is trying to assess a {$5.00} draft fee for payments made after the XXXX of the month. They claim this is because they utilize a XXXX party servicer that charges Pacific Union Financial a {$5.00} fee to process. 

I have informed Pacific Union that they can not assess additional fees not disclosed or agreed upon in the mortgage closing documentation. They also state that they waive the {$5.00} fee for payments received between the XXXX thru the XXXX of the month, but choose not do so thereafter. 

That Pacific Union has opted to process payments thru this XXXX party server that charges them a {$5.00} fee is not the responsibility of the original borrower to bear. They have not offered to permanently waive this fee for payments received after the XXXX. We never agreed to these terms, and have always been allowed the XXXX grace period to make the mortgage payment ( previously financed thru XXXX Bank out of Michigan XXXX with no additional " late '' fees assessed and applied to the loan. We were not offered any input when XXXX unilaterally sold the loan to Pacific Union, nor have we or will we agree to additional monies being assessed against the loan amount for the " privilege '' of making online payments or failing to meet an additional due date over and above those agreed upon at time of closing. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return manager made me sign a Vehicle Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made 7 payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: WA

Complaint narrative:
Experian lists an incorrect address on my credit report : XXXX XXXX XXXX XXXX XXXX, WA XXXX. Experian claims I must contact the creditor who provided the information, but the creditor is not listed, and Experian will not provide me with the creditor 's contact information. Furthermore, any account/creditor associated with the above listed address has been opened fraudulently. 

I 'm XXXX and I can not contact Experian via telephone. They do not respond to my letters via mail. They do not respond to accommodation/modification requests to communicate with me in an effective manner. 

This is Experian 's response : " Please note that we store name, address and telephone number information as it is sent to us by your credit grantor or from information contained in public records. We are unable to remove accurate information. If you believe a name or address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone if you need additional assistance to determine the specific sources of particular name or address information on your credit report. "

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 2017-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: PA

Complaint narrative:
In XXXX I took out a {$500.00} loan out of desperation in XXXX XXXX. I did understand the interest was higher than usual but was told that payments would take money off the principal and it was able to be paid SHORT TERM INSTALLMENT. In fact because of the structure it is n't set up to let you get anywhere - I also did not know that these types of loans are illegal in PA and that the state is going after these companies for trying to evade state and federal laws for the exorbitant interest charged. despite making biweekly payments of over {$140.00} I found that in XXXX I now owed {$670.00}! They called my employer looking for me even. I tried to have a negotiator talk to them but have not been able to get anywhere with them.

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 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I applied for a loan modification earlier this year with XXXX XXXX XXXX XXXX. The modification process was being serviced by Bayview Loan Servicing. The purpose for my request for the loan modification is that my mortgage payment is {$770.00} with an interest of 6.750 %. I live on my Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate they charge at the same 6.750 %. 

The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation based on the appraisal that makes no sense to me. 

Their appraisal noted that I have a 2 bedroom, 2 bath home. They also showed that my home has a pool. Neither fact is true. I have only 1 bathroom. I live in a rural area.. The 3 comparable listings they used had either more bedrooms or more baths. Each would add value that I do n't have. They claim the average time on the market is 120 days. The 3 homes have been listed for 4 months, 5 months and the last one more than 7 months. Obviously the 120 day figure is inaccurate. These other homes all have more rooms than mine and are priced above {$110000.00}. But they have n't sold and their value should not be used as a barometer for what mine should be worth. 

Of the 3 comparable sales they used, only 1 property sold in excess of {$100000.00} ; the other 2 were at {$74000.00} and {$75000.00} respectively The {$100000.00} sale had a 3rd bedroom and was 1800 square feet. My house is only 1122 square feet. I 'm not sure why they would say my house that is significantly smaller would be valued at nearly the same price! 

Finally their report shows the condition of my house as good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous area and have no central heat ... I use a wood burning stove for heat in the winter. 

None of this was factored into the evaluation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi, I accidentally paid too little on my credit card. I was left with a {$5.00} balance on a XXXX credit line. I did not realize that I still had a small nominal balance. 

Bank of America did not place any calls to me or send me an email. If I had been contacted, I could have quickly paid off the remaining balance. I only caught that balance while randomly checking my credit records on XXXX XXXX. I tried to login to my account to make a payment, and they blocked my login for delinquency. I called and made a payment via IVR. 

I just found out that they cancelled my credit line on XXXX XXXX, XXXX for a {$5.00} delinquency on a {$18000.00} credit line. I opened this account while in college 18 years ago. This was my only delinquency situation. I was never called or emailed. 

I called Bank of America and was informed that my account was closed. There were no options made available to me than other to apply for a new account. 

Now, my credit card is cancelled and my credit bureau has red marks over a {$5.00} balance. This seems monumentally unfair and a case where automated workflow rules failed both bank and myself. A simple email would have resolved the situation.

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 2017-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX, my XXXX elderly ) mother sent me a bank to bank wire for $ XXXX. Turns out she left a digit out of my account # when she sent it. The wire DID have my full name and address ( matching the records on my bank account ). The $ XXXX was inevitably deposited into an active account with XXXX. Her bank, sent an amendment to the wire on XXXX XXXX, XXXX. XXXX has confirmed receipt of this amendment. Since then, I have been given a XXXX XXXX XXXX XXXX #. I have been told the account the money went into is an " internal XXXX account '' but that they would need to get an authorization to remove this money before it can be put into my account. I do n't understand if it 's an INTERNAL account, why they ca n't just do the right thing and move the money into my account ... the intended receiver of this. This money was sent for a medical emergency ... and I am still awaiting treatment, due to not having this money. This is very urgent. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
TO SPECIALIZED LOAN SERVICING : THERE ARE NUMEROUS REQUESTS AND COMPLAINTS TRYING TO RESOLVE THIS ISSUE. THE RESPONSES ARE NOT TO THE EXACT REQUESTS AND APPEAR TO " DANCE AROUND '' THE ISSUES INSTEAD OF DIRECT ANSWERS. THE FIRST COPY OF THE " HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT '' YOU PROVIDED FOR THE FIRST TIME TO ME, XXXX XXXX IS AN ALLEGED DOCUMENT I WOULD NEVER AGREE TO. THIS WAS EXPLAINED TO YOU ... ... IT HAS TO DO WITH WHAT SPECIALIZED LOAN SERVICING HAS NOW IN THEIR POSSESSION FOR AUTHORITY TO COLLECT FOR THE XXXX XXXX XXXX XXXX XXXX. I INFORMED SLS OF ADDITIONAL DOCUMENTS WITH NO AUTHORITY AS WELL. I HAVE CONSISTENTLY REJECTED THIS COPY AS WELL AS REJECTED THE MOST RECENT VERSION SLS HAS PROVIDED WITH A BLANK ENDORSEMENT OF A XXXX XXXX XXXX. SLS HAS REFUSED TO DISCLOSE THE SOURCE AND TIME IT WAS ACQUIRED OR ANY DISCLOSURE RELATING TO THIS SECOND VERSION OF THE HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT. THIS IS OF GREAT CONCERN AS IT IS NOT WHAT I SIGNED AND IS LIKE A XXXX OF XXXX IF ACQUIRED BY ANY MEANS BY ANOTHER PARTY. ALL I HAVE ASKED IS FOR HELP TO FIND OUT WHERE THE PROBLEM STARTED AND WHERE YOU ACQUIRED THE SECOND RECENT VERSION OF HOME EQUITY LINE AND DISCLOSURE STATEMENT. YOU HAVE NEVER IN ALL THIS TIME INVESTIGATED OUR CLAIMS TO ASSIST US IN FINDING WHO HAS THE ORIGINAL COPY. YOUR CLAIMED RESPONSES ARE NOTHING NEW AND AVOID THE REAL REQUESTS THAT ARE AT ISSUE. SLS THROWS IN IDENTITY THEFT AND OTHER SILLY STUFF THAT DOES NOT ADDRESS OUR COMPLAINTS. THIS WHOLE LONG DRAWN OUT ORDEAL HAS AND IS CAUSING US MUCH DISTRESS AND EMOTIONAL TORMENT BECAUSE SLS REFUSES TO HELP AND CONTINUES TO AVOID DIRECT REQUEST ANSWERS AND FOR SOME REASON WILL NOT DISCLOSE INFORMATION ABOUT THE SOURCE OF THE SECOND ALLEGED LOAN DOCUMENT. WE SHOULD NOT BE MAKING PAYMENTS BECAUSE NOTHING SHOWS THE RIGHT TO COLLECT FOR XXXX XXXX XXXX XXXX XXXX. THE STRESS OF INVESTIGATING ON OUR OWN WITHOUT THE ANSWERS FROM SLS IS CAUSING MUCH ANXIETY AND EXTREME PRESSURE ON US. SLS ARE WITHHOLDING ANSWERS AND INFORMATION THAT COULD ASSIST US IN THIS SEARCH. SLS CONTINUES TO REQUEST INFORMATION AND DETAILS THEY ALREADY HAVE THAT HAVE NO BEARING ON THIS ISSUE

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 2017-10-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I purchased a whirlpool cooktop from XXXX XXXX on line and all the parts were not in the box. I called the store that I received the cooktop from and the manager named XXXX told me that it was nothing he could do because I ordered it online. But when I called the XXXX XXXX  toll free number I kept getting put on hold. I spent three hours and made ten different calls to XXXX XXXX to resolve my problem. I never got anyone on the phone that knew what to do. I had to call XXXX to get the parts I needed and pay XXXX for the parts that where not in the box. Also the cook top has a damaged spot on it. As of today no one from XXXX XXXX  have return my call but XXXX at the dispute department at bank of American tells me there is nothing they can do I should take a loss or keep trying to reach XXXX XXXX. Every time I file a dispute with bank of America they always try to get me to drop my dispute. I may charge at least TEN times each month.

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 2017-10-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.
If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA  accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.
Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide you notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).

Company response to consumer: Closed with explanation