vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
Account number XXXX was reported as a charge off and later paid off to Conns department store. I then received a check from conns on this account after they collected the charge off money saying that this charge off was paid. I have been calling different areas of conns since XXXX  of 2017 trying to figure out why This has not been removed off my credit report and off the account that is reported to their sales team in the store. I have spoken to several people and everytime I would get we are working on it or I do not know what else to tell you are this will be resolved in ten days. I have patiently waited and ask for some relief.Conns have no answers. They apologized but still no results. They have initially stated that they are walking over to the accounting department and I will get call backs and nothing transpired. almost 1 year later.The third party to whom apparently they sold the debt to can not be reached. I received no correspondence from conns as to why they accepted the money and not removed this block and report on my credit file. This is currently still happening. They explained to me two months ago that they have requested a roll back on the reporting and nothing transpired. I need an explanation of where is the money that was supposedly paid to this account who has it and why has this not been removed off the account immediately. Since then I have spoken to a XXXX XXXX and awaiting any correspondence that he may have and so far nothing has transpired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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: LA

Complaint narrative:
On XX/XX/18 @ XXXX XXXX I called Experian to see why they didn't delete XXXX and XXXX . I spoke with XXXX @ Experian and I was explaining to him that I don't see why they did not dispute XXXX and XXXX because I do not know anything about these accounts. XXXX was helping me to dispute these accounts because XXXX did not have any problems when I sent them affidavit they deleted it right off my report. Now, XXXX @ Experian transfer me to another person to get this resolve well I stayed on hold for about 30 mins before someone pick up. When I started to explain to him then he hurry up and transfer me and did not hear me out and I stayed on hold from XXXX until XXXX and I think they were closed that time. This was very unprofessional. I know these is not my account I did not open these accounts and I also sent the same affidavit to Experian that I sent XXXX and XXXX. In my letter I ask yall to send me proof and a copy of bearing my signature and it wasn't done. What you sent me was a copy of my report stated that these account was verified. I just want these accounts off my report because they do not belong to me.

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 2018-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I took out a personal loan with XXXX XXXX in XX/XX/XXXX. I wasn't able to continue paying the high monthly payments. Eventually, my loan was charged off. On XX/XX/XXXX, I received a letter from Forster and Garbus informing me that they are taking over collecting on the loan. I do not want to deal with Forster and Garbus because several years ago they filed a judgment against me for a different debt. They sent court documents to me several weeks after the court date, which I wasn't able to appear in person due to them sending me court papers after the fact. Furthermore, without prior notice they had placed a bank levy on my account and began garnishing my wages. In addition, they had harassed me with calls. Forster and Garbus has had many lawsuits because of their illegal debt collection practices. I am very, very concerned that Forster and Garbus will continue their illegal tactics and I won't have an opportunity to defend myself as I have learned from previous experience.

Please assist me as I am extremely concerned that Forster and Garbus will take action against me without giving me the chance to respond. I am hoping that this debt can be eliminated and Forster and Garbus can be investigated because of their unfair practices. 

Please assist me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX originally advertised {$150.00} for the services I needed, only to come back to charge an additional XXXX dollars that made my credit card go over its limit, and now its reported as a negative derogatory on my credit report. 
XXXX XXXX falsely advertised the cost for its services. 
Amount : {$260.00} Please help me remove this false claim against my credit Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They call at all hours day and night. I don't owe the amount they are claiming. I would file BK if I could afford to in order to get them off my back. They threaten to contact family members and my job. HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They call at all hours day and night. I don't owe the amount they are claiming. I would file BK if I could afford to in order to get them off my back. They threaten to contact family members and my job. HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I would like to re-open the following claim : XXXX. 

Last year, I filed a fraud report against Chase because someone tried on multiple occasions to get credits cards under my name from this bank, but Chase kept denying this had happened. My complaint was closed after the company finally acknowledged to the CFPB that multiple applications were filed under my name and asked all three credit agencies to mask my personal data to prevent this from happening again. 

Unfortunately, yesterday ( XX/XX/XXXX) someone again tried to open a new Chase account under my name. I learned of this when my credit monitoring company ( XX/XX/XXXX, from the Office of Personnel Management ) sent me a notification indicating Chase had done another credit inquire at XX/XX/XXXXusing my name. 

I contacted Chase, but like last time, they have no records showing I have ever applied for their credit card. 

How can I get Chase to stop processing fraudulent credit requests under my name? I will never use this bank for anything, so why can they just delete all requests under my name?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX removed the inaccurate entry from my credit report and sent updated copies of my report. However, Equifax said they investigated the entry and that it is accurate. Equifax knows that I have been having ID Theft issues probably from the breach of Equifax 's own records. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail and they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have no response from XXXX XXXX and under credit reporting laws the period for them to have responded has elapsed. I then sent Equifax another letter, via tracked priority mail, along with a copy of the dispute letter that I sent to XXXX XXXX and informed Equifax that no response was received from the provider that Equifax is trying to say is responsible. Equifax provided no repsonse from the secodn dispute with the additonal infomation that I provided them and over 30 days has elapsed since Equifax received the dispute. Equifax must feel that it is less costly to not properly investigate the inaccurate entry on the credit report rather than to follow Federal Laws that state credit reports must be 100 % accurate and that unverifiable data must be removed. 

Secondly Equifax also shows an entry from XXXX California XXXX. I disputed this previously and they indicated that they removed the data from my report. However the entry once again is showing on my report. I believe this item has been illegally re-inserted into my report. It is illegal because since I was notified that it was deleted I have never been notified as required by Federal Law that it was going to be inserted back into my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Mr. Cooper DBA Nationstar LLC had me sign a permission for Credit Reporting Agreement, giving them my signed permission to report my modified mortgage loan to the credit reporting agencies. I returned the signed document to Mr. Cooper via US Mail on XX/XX/2018. I received notification from XXXX, XXXX and XXXX that Mr. Cooper was reporting correctly and the information on my reports will remain unchanged. I have a copy of the credit reporting agreement that was sent to me by Mr. Cooper, to show that I signed the document in the presence of a notary. Mr. Cooper has not returned the signed copy back to me nor have they reported the current mortgage to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one Account was paid off and being charged interest when balance wad paid

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
i was on CFPB a few months ago complaining to bank of america and now we are back here again!! they told me that they would shut down my card and leave me alone at a XXXX dollar balance and now i'm at a XXXX dollar balance!! where is this coming from???? why am i being charge for no reason!!! 


Bank of america will continue to harass you!!! 

i'm in the XXXX XXXX military this isn't right!!!

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 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
On XX/XX/2018 I spoke to XXXX XXXX regarding an error Bayview Loan Servicing created on my Loan Number : XXXX XXXX sold my load to Bayview Loan Servicing. Bayview Loan Servicing is reporting I am 3 months late. However I have never been late as I have banking  information and statements showing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX we had a house fire and asked for time to pay due to the fire. We was told to pay and get the house taking care of by our home owner insurance. {$60000.00} was sent to SHELLPOINT MORTGAGE and the repairs where not complete. We told Shellpoint Mortgage the homeowners insurance was having a problem with the completion to finalize the repair. Shellpoint Mortgage told us to get a attorney and all the money to finish repairs are going to be placed on the mortgage account. So after months of trying to get the attorney we started repairs with my XXXX money and again asked for a mortification. 
Shellpoint Mortgage told us in XX/XX/XXXX they would start the mortification for our home. 
XXXX XXXX we was hit by Hurricane Harvey. I contacted Fema, Texas Department of Health, our homeowner insurance XXXX XXXX XXXX XXXX XXXX. Everyone put our home repairs including the Shellpoint Mortgaga on hold and started to the Hurricane procedure. Changing our Mortification contract person and asking us to resend all papers to 5 different people at Shellpoint Mortgage. On XXXX XXXX we we were sent the mortification papers once again after sending over 60 papers before XXXX XXXX. XXXX XXXX a attorney sent us some papers from Shellpoint Mortgaga stating they are hired to foreclosure processing against us. 
I'm XXXX XXXX XXXX a XXXX XXXX Receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XX/XX/2017- On this date, I was going to go forward with paying my two credit cards down to a XXXX balance. I had just opened a new bank account and apparently had a couple numbers incorrect when paying the balances. I attempted to make the payment once and received and error that stated for me to try again. The error did not state what was wrong, so I resubmitted the payment. A few days after doing so, I noticed that both of my cards were frozen from use. I then called Capital One to find out what was going on and they stated that I had 2 returned payments and that it violated the terms of use. After the first return payment, I was not notified at all except to resubmit the payment. It wasnt until about a week later that I received a letter in the mail stating that my account had been closed due to a violation of the terms of use and that the company does not allow more than 1 returned payment. I attempted to explain the situation to a rep with Capital One on more than one occasion, but they did not offer any assistance with the matter and simply told me that I still owed the balance and the account will remain closed. If I wanted to apply for a new one, I could. However, I would not want to open a new account with a company that did not communicate the issue with me prior to closing my account for good. Therefore, I told the latest rep that I am no longer liable for the balances and would like them removed from my credit report. They refused and stated that the " Account Closed '' status did not bar me from being liable for the account. I do not agree. Ever since this situation began, my credit report now shows multiple missed/late payments and this is affecting my credit score very badly. There are far too many issues that i have with the way the situation was handled and addressed. If the situation had been handled in a decent manner, I would have corrected my error and paid my cards off in full and continued to use them. I have had the account for several years without a single missed payment, late payment, or any returned payments. This was not taken into consideration prior to closing the account. 

In addition, XXXX XXXX XXXXXXXX supposedly worked very hard to investigate my issue. After a couple weeks went by, I hadnt heard back. It wasnt until I called them and was told that my case was actually being closed that day and that nothing would change. Yet again, no reasoning given. I am so disappointed in this company and never plan on working with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) provided misinformation on Cash to Close amount needed. The amount disclosed to Buyer, prior to closing, ranged from approximately {$4000.00} to {$6000.00}. 
XXXX sent Buyer a Closing Disclosure on XX/XX/XXXX, just three days before Closing, which showed Cash to Close {$5100.00}. However, 45 minutes after Closing had commenced, Buyer was notified that {$22000.00} would be needed to Close on the Property. Cash to Close cost of {$22000.00} was never discussed nor disclosed to the Buyer at any time leading up to Closing. 

- The Buyer inquired numerous times, by phone call and through electronic correspondence, to the amount that would be needed to Close on the XXXX property. XXXX XXXX email dated XX/XX/XXXX estimated Closing Cost at {$4900.00}. XXXX XXXX and XXXX XXXX forwarded documents that reassured Buyer that Closing Cost would be affordable and in Buyers affordability range. 
- XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$6400.00} - XX/XX/XXXX Buyer received Loan Estimate from XXXX XXXX XXXX   Estimated Cash to Close : {$4900.00} - XX/XX/XXXX ( 3 Days prior to Closing ) Buyer received Loan Estimate from XXXX XXXX XXXX Estimated Cash to Close : {$5100.00} - XX/XX/XXXX ( Day of Closing + 45 minutes into Closing ) Buyer received Final Closing Disclosure from XXXX XXXX XXXX Estimated Cash to Close : {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I started contacting home owner 's insurance companies for quotes because I wanted to change insurance companies. My premium was set to auto-pay from my escrow account in XXXX. With all of the hurricane fiasco, the insurance companies were slow at quoting and by the time I got the quotes, my premium had already been deducted from my escrow account from the existing insurance company. So I never signed any new insurance paperwork and told the new company that I would wait until next year. 
In XXXX, my mortgage company mailed me an Escrow Account History. It shows they paid out funds from my escrow account to 2 home owner 's insurance policies. I contacted them immediately and told them I never authorized payment to the second company and that money needed to be put back into my escrow account. I was promised it would be refunded into my account. I asked for an updated Escrow transaction history to show that it had been refunded. 
In XXXX I called again asking for the same information. I received a notice of a shortage on my Escrow account stating that my payment amount would increase due to the shortage. I again asked that they correct the mistake and refund my money and send me a corrected analysis. 
In XXXX I got a notice for the new payment amount but still no correction. I called again and was told that they reviewed the account and found no errors so they weren't sending a new analysis. I again requested the information and the correction. I asked for a supervisor but was told no one was available to answer my call. 
Last week- XX/XX/XXXX, I called again and spoke to XXXX and explained the situation. She told me that she would order a new analysis and it should be available after the XX/XX/XXXX and I could call back after that and ask for it to be mailed to me. I asked why they couldn't just mail it. She said she had no way to do that. 
I can't get the mortgage company to correct this issue and refund the money to my Escrow Account. The mortgage company is a servicing company that is a subsidiary of XXXX XXXX. The name of that company is Specialized Loan Servicing. Their contact information is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, CO XXXX Their mailing address is : SLS XXXX. XXXX XXXX, CO XXXX Their phone # is:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX had me sign a permission for Credit Reporting Agreement, giving them my signed permission to report my modified mortgage loan to the credit reporting agencies. I returned the signed document to XXXX XXXX via US Mail on XX/XX/2018. I received notification from Equifax, XXXX and XXXX that XXXX XXXX was reporting correctly and the information on my reports will remain unchanged. I have a copy of the credit reporting agreement that was sent to me by XXXX XXXX, to show that I signed the document in the presence of a notary. XXXX XXXX has not returned the signed copy back to me nor have they reported the current mortgage to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: CA

Complaint narrative:
I have had this debt on my account for 5 years,11 months. Over the years I have requested a record of the bill but never received anything proving I owe XXXX XXXX money. I dispute this debt.

Company response to consumer: Closed with explanation