vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This particular debt was added to my credit report  XXXX   XXXX . I was unaware of this debt until I started working to rebuild my credit in  XXXX  when I noticed it for the first time only credit report. I have contacte d National Credit Systems multipl e times to verify this account and have never received a written notice that this debt belongs to me. They have nothing with my signature proving that I went into contract with them, and what they continue to do is remove the account from my credit reports, and then add it back. They continue to open and close this account and place it in various areas of my credit profile. They are harassing me and negatively affecting m y credit score  by removing and replacing this same item on my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: ID

Complaint narrative:
The bank closed my account on  XX/XX/XXXX . Because of overdraft fees, I had a debt of {$400.00} and they would not accept any other deposits [ to the account ] but, they did take my federal and state tax returns, those checks were deposited  XX/XX/XXXX  in the amount of {$3900.00} for federal and {$290.00} for state. On   XXXX   XXXX   XXXX  , I went to the bank and I sent in everything they asked me for and they didnt send me the difference. From XX/XX/XXXX  to date, they have not returned my money. I went to the general manager of the bank, Ive called them, and they havent resolved anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
This account goes back to  XXXX   XXXX . I was mislead and misinformed by the above described company and its online representative about their loan product. It seems to me that this company prey on individuals who they know ahead of time that they are not able to pay these loans. After further investigation into their practice I found out that their interest rate is ridiculous and unimaginable and should be illegal in America after the  XXXX  financial reforms. I have asked the company to close this loan several times to stop it from incurring huge amount of interest.   I am urging your department to investigate this company and others online who are practicing these scams and putting struggling families in debt knowing they are not able to pay these loans.   in  XXXX  or  XXXX   XXXX  CashNetUSA offered me a settlement of paying 75 % of the loan in full and then another settlement of paying 50 % of the loan in full because they knew all along that their practice is shady and their interest rate is beyond imagination.   According to  XXXX   XXXX  the consumers in America have demanded all along the federal government to investigate these companies and shut them down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: SC

Complaint narrative:
I am upset and disappointed at how Guild mortgage has handled my loan, and my request for payment assistance. I have a foreclosure sale date for  XXXX   XXXX ,  2017, I  fell behind due to unseen circumstances, and I could not pay my mortgage payment. I told a representative from Guild mortgage that due to loss of income, I needed a more affordable mortgage payment. After fighting for my rights as a homeowner with Guild representatives, I was finally offered a modification. The modification offered to me brought my mortgage payment higher and I was informed it was an FHA or HUD disaster relief modification program. My home has not suffered any damages, and there has not been any disasters around my area why was I approved for this modification? I have read the guidelines for this program, and due to a disaster they bring the mortgage payments down. It does not make sense to bring my payment higher and make this offer. My home needs repairs but there is no serious damage due to a disaster. I can send proof that my home has not suffered any damages. I made no payments on this offer due to the higher payment. I called last week on  XXXX   XXXX  asking how much time they needed in order for me to submit a complete modification packet before an auction sale date. I was told that they would not review any packets due to FHA offering me a modificattion already. That I had to w ait two years  in order for me to reapply. This is absurd!! I have never been through so much stress with a company. All of this has made me thing that Guild mortgage engaged in fraudulent and deceptive practices. I dont want to lose my home, Guild made an offer without reviewing my income and expenses, they just made the offer with a higher payment. I keep falling further behind, and all I am asking is for a fair review of my financials and for Guild to postpone my sale date while I submit documents. I am asking  for FHA/ HUD to give m e an opportunity to submit a complete packet. Its impossible for me to wait two years, my home is about to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
Navient charged off a loan i have been paying on that i was promised was included in my IDR ( income driven repayment ). I make payments about 2 months in advance. Originally it was charged off to  XXXX ,  XXXX   XXXX   XXXX  I was told they had had the loan since  XXXX . But i was never informed of this, i 've lived in the same home since  XXXX  and have had the same phone number since  XXXX . Navient apparently recalled the file from them on  XXXX   XXXX   XXXX , but charged it off to a new company in  XXXX   (  while this company still had it and while i 've been making payments to Navient ) I am now being hounded by this new company and i refuse to pay them while making payments to Navient. The new company has received proof that i have been paying Navient and agrees i 've been paying them, but because Navient is not putting the money towards the loan they charged off to this new company i am apparently responsible for both files ... I refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: CA

Complaint narrative:
I am still waiting on a reply from Comerica and have yet to  get one an d I have waited at least 2 months for their final determination. Case number previously submitted -  XXXX . It would be appreciated if you could find out why she has never contacted me again since I sent her to information that she requested including a copy of the check that was issued to me as a cashiers check! I guess they figured that I would forget and that I would not continue to pursue this. I want a final resolution and my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: FL

Complaint narrative:
This is a second complaint again st ATG C redit for another account they recently added to my credit report. I received no notice that this was being added to my credit, I only found out about this account when I discovered they had already reported it to my credit. The account number according to my report is "  XXXX  '' and the balance is {$6700.00}.     I do n't know what this debt is for but this is not only time a company has come after me for this debt. I have already dealt with  XXXX  other collection companies who are also actively pursuing me for the same dollar amount on a debt that is not mine.  XXXX  of them was called  XXXX   XXXX   XXXX  with an account number of  XXXX  and another collection company was called  XXXX   XXXX  with an account number of  XXXX . They are also reporting this same account on my credit report. I am including a screenshot from a recent report which shows how these other  XXXX  collection companies are reporting this same debt on my credit. I do n't understand how this is even possible. How can this company decide not to send me a notice of a right to dispute this debt AND report this debt again on my report for a third time??? I have never been provided with validation of these accounts from any of these companies. What scam are these places trying to play on me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
this matter is going back about 7 years, i purchase something from  XXXX  and paid with paypal but i never got the merchandise i disputed at that time with no results no i want to take out a mortgage and i see it reporting on my report and they say they sold it to a different company, i requested proof that it was sent to me but they did n't provide me with any proof i need this off my report ASAP i was n't suppose to be on the report in the first place. they are in violation of the federal laws

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 2017-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In the past few days I received a notice as seen as attached shows my equity line of credit all of a sudden for NO reason is changing my account number. There is no reason for this change in this notice and I am Very concerned of the unmentioned reason. Whereas I hav e a Superior Court c omplaint against my primary mortgage and am struggling with the primary mortgage loan meaning my fight in court. I am grossly concerned as to of why and or if this account number change in just days, on this other loan with Chase Bank  may  Possibly have something to do with my court complaint. Can the CFPB look into this account number change if it is legal? or some hidden intent to affect my legal complaint against Chase Bank with my primary loan? or cause me some financially related problems ahead in any way shape or form? I have noticed on my primary loan whenever there is an update of any kind it many times causes me problems, or something turns out to be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: Law Office of J.A. Cambece
State: DC

Complaint narrative:
I am in a XXXX XXXX XXXX with XXXX assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GEORGE MASON MORTGAGE, LLC
State: VA

Complaint narrative:
First, this complaint does not fall into any of the categories you gave me to select from. This complaint has to do with my rights, or the lack thereof, in connection with selling my home located at  XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . As a seller, I 've been told that I have NO rights to be advised as to why the closing for the sale of my home has been delayed REPEATEDLY. How can regulations put in place by  a Consumer Protection Bureau pr ovide rights to a buyer and not the seller? My home went on the market  X/X/17    and an offer was submitted to me on  X/XX/17    with a pre-approval letter from George Mason Mortgage. I accepted the offer the same day (  X/XX/17    ) based on the fact that the buyers had been already pre-approved. The pre-approval letter quoted a closing date of " on or before  X/X/17    ''. Late in the afternoon of  X/X/17   , I called my attorney 's office to find out if all was good and was told that the closing had been moved to  X/XX/17    with no explanation. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with no explanation. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with a comment made by the buyers real estate agent that " the employer had been slow verifying the purchaser 's income but they now had the verification ''. On  X/XX/17   , I found out that the closing had been moved to  X/XX/17    with no explanation. Now I find out that the closing MAY take place on  X/XX/17    but no one is even sure about that. This could go on forever. What are my rights and what recourse do I have? My attorney tells me that I only have recourse if the reason for delaying the closing is unreasonable - however, because the CFPB has said I have no rights to know why the delay has occurred, then how will I ever know if the reason was unreasonable? This agency needs to protect my rights as well. Please let me know what my rights are and what else I can do.

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 2017-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
On  XX/XX/XXXX  I received a phone call from (  XXXX  )  XXXX  which I believe to be a spoofed number. The person on the phone claimed to be an attorney named  XXXX   XXXX . She stated that I had an unpaid loan from check  n  go from  XXXX  and that a warrant was being issued today for  XXXX  counts of check fraud. I had  2 h ours to wire some money ( 4 times the amount of the original debt ) and then they would tell the district attorney to cancel the charges. I questioned them on their story and she got agitated and hung u p. 20 mi nutes later I get a call from the actual number of  XXXX   County Sheriff De partment with someone saying that they just got a fax from  XXXX   XXXX  and they were going to issue a warrant for me because I hung up on the law office, but I still had an hour and a half to pay  XXXX   XXXX  and they would cancel the warrant. I told the individual posing as a Sheriff deputy on the phone that I would not be paying anyone, because last time I checked you could n't pay to make warrants go away, she hung up on me. Then I called the supposed law office back and questioned this  XXXX   XXXX  about the amount, asked her which law firm she was with, where they are located. She would n't answer any of these questions and hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
This is a continuation of a resolved issue. I have recently resolved an issue with  Velocity I nvestments, they closed a case against me that should not have been brought in the first place. They issued a judgment against me. As they have closed the case and have sent a dispute letter acknowledging the closure of this case, I would like them to issue a Praecipe of Satisfaction to remove this from my credit report. Because of them I have had this on my credit report for more than 10 years. I have been in contact with a company representative who stated that he would in fact help get this document produced by the attorney and have it submitted to the  Prothonotary, how ever it has been almost a month and this has not happened. Thus, this continues to be reported in error against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I PAID {$7700.00} to  XXXX    XXXX    X/X/2011    RECEIVED MY TITLE FOR A TRUCK FROM  XXXX  AND THEY PLACED INCORRECT IFORMATION ON MY CREDIT REPORT STATING THAT I HAVE A BALANCE OF {$560.00}.

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 2017-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On my  XXXX  &  XXXX  report s Midland Funding Credit is c ollecting on a debt from    X/XX/2012      this is when the debt was charged off. I had medical issues & the original creditor was  XXXX . This was for a computer that was returned to the company that did not perform properly! No w Midland is REAGING t his debt on my credit report. I am getting harassing phone calls at home and on my cell day and night! Please help.   Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
ON  X/XX/2017    I WENT INTO INSTALOAN TO TAKE A LOAN OUT USING MY CAR. I WAS NOT TOLD THAT MY RATE WOULD BE AT 65.1994 PERCENT. I DID NOT EVEN GIVEN PAPERWORK UNTIL  X/XX/2017    REGARDING ANY INFORMATION ON MY LOAN OR RATES. I HAVE TRIED TO TALK TO THEM ABOUT IT AND THEY WILL NOT GIVE ME ANY INFORMATION AND MY PAYMENTS I HAVE MADE IS NOT EVEN HELPING MY LOAN KEEPS GOING UP. I WAS IN THE HOSPITAL WHEN PAYMENT WAS DUE I CALLED AND SPOKE WITH A MANAGER WHOM TOLD ME THAT MAKING MY PAYMENT LATE WOULD NOT HURT ME DO BEING BEING IN ICU. WHEN I WENT IN THAT IS WHEN I FOUND OUT THEY CHARGED ME MORE AND WHAT MY RATE WAS AT 65.1994 PERCENT. I DO NOT THINK THAT THIS IS LEGAL AND WOULD LIKE ANSWERS HOW TO HAVE THIS CHANGED. ALSO LIKE TO ADD THEY MADE ME BACK DATE AND SIGN PAPERWORK WHEN I WENT IN ON  X/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: MI

Complaint narrative:
I am a merchant who processes credit card tranactions in the course of business . Hunter Warfield is  a commercial collection company attempting to collect a debt on behalf of  XXXX   XXXX  leasing, a company which leases equipment to such merchants. The dates of service originates with the original agreement dated  XXXX , and which was terminated upon closing of a business on  XXXX . Unknown to  Hunter Warfield, t he attempt to collect monies by  XXXX  is based upon fraudulent documentation. This is being dealt with through separate complaints with the CFPB anf the FTC. I have notified Hunter Warfield of my action in a recorded conversation ( names and dates on request ). There was no attempt to rectify the situation, as the representative simply said " have a good day '' and hung up, which I expected. The collection company is simply acting as directed. In correspondence from  Hunter Warfield,   they threatened collection efforts to negatively impact my " credit worthiness '' ( which is sterling ) due to my " delinquency, '' as well as threatening litigation. I informed them that they were acting on a false premise, and it is expected that they will act accordingly. I am in possession of all pertinent documents, names and dates

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
A certified letter was sent out and received by the company on  XXXX   XXXX  and  XXXX   XXXX .   The letter was disputed payment information and validation of the debt. The company failed to respond and mark the item disputed. I also have a record of a call before  XXXX .   They have violated the FDCPA and the FCRA of up to {$3000.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I am in a   XXXX   XXXX   XXXX   with  XXXX  assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.

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 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am in a XXXX XXXX XXXX receiving XXXX assistance. I am not able to use any of my income to make debt payments. I have repeatedly explained this but they will not discharge the debt.

Company response to consumer: Closed with non-monetary relief