vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Jemcap LLC
State: NY

Complaint narrative:
There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court a nd federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal and / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Department of Consumer Affairs and this company has not responded as of yet ... the DCA can not enforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok i n our State against our citizens, under the radar.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i disputed a charge with  XXXX   XXXX    XXXX   in  XXXX  .i re ceived a call on  XXXX / XXXX /  XXXX   at  XXXX  am from someone who only identified himself as an  investigator  who was going to be serving me with a summons.when i told him to go ahead and serve the summons he said you are going to get  XXXX  in the  XXXX  with an american flag.i  hung  up the phone and blocked the number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Upon graduation college following the 6 month no repayment period, I started making payments on my loans without having full-time employment. It got to a point my loans were not being paid. I reached out to  XXXX   XXXX  now  Navient to go ov er options. I was told my only option is Forbearance which delays my repayment plan and their favorite mantra " We will bring your account to current ''. I received a very brief description of the plan. After looking over the loans I noticed my loan almost doubled over time in interest. I was never told or contacted about other income based options, forgiveness plans, or just help managing my interest at all. I understand I have an obligation to pay back the debt I have borrowed. The company also has a obligation to operate in good faith in their dealings the clients. Not mislead, coe rce, or blatantly operate in a manner to encroach on individuals. My account was placed in forbearance over 5x and  accumulated a large amount of interest. Coming out of college and trying to find a career while paying for housing and living costs are tough. Especially when you add to a higher than normal unemployment rate and employers looking for experienced workers. This process was made tougher in my personal dealings w ith Navient. Since then my credit has suffered and have been in a perpetual cycle of low credit score and high interest on simple things like financing a phone or getting a car loan to drive to work. All thi s due to  XXXX  open line items on my credit which consist of  all ( loans ) in negative standings. I write this to inform you of the deceptive practices by Navient and the long term affects it has had on students, parents, individuals both past and present.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: Colony Brands, Inc.
State: LA

Complaint narrative:
This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all  XXXX  credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all   XXXX   credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
<P/>
Thank You

Company response to consumer: Untimely response
Consumer complaint received 2017-06-07 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
My citicards credit card expired XX/XX/XXXX  but I did not check on why I did not receive a replacement until  XX/XX/XXXX  since I was unexpectedly  XXXX  during that time. I called the number on the back of the card,  XXXX , and asked and was told my account was closed. I gave them my new address and they said that they would send me a copy of the letter stating the reasons to my new address and that they could not tell me anything over the phone. I never received that letter and do not know why my credit card was cancelled. Their customer service is not helping 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 2017-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
on XX/XX/XXXXI purchased an item from Amazon.com for {$79.00} with differed interest for payment within six months.
<P/>
on XX/XX/XXXX I purchased an item from Amazon.com for {$79.00} with deferred interest with payment within six months.
<P/>
on XX/XX/XXXX, I purchased an item from Amazon.com for {$420.00} with deferred interest with payment within six months.
<P/>
On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was not charged any interest charges, even though I had the two different charges with deffered interest for payment within six months. I paid them {$7.00} on XX/XX/XXXX. My previous balance was {$7.00}, my payment was {$7.00} and purchases/debits was {$230.00}.
<P/>
On my statement from Synchrony Bank/Amazon, which has the closing date XX/XX/XXXX, Synchrony Bank/Amazon charged me {$1.00} in " interest charges, '' even though I made a payment of {$77.00} on JXX/XX/XXXX. My previous balance was {$230.00} ; purchases/debits were {$600.00} and my new balance became {$760.00}.
<P/>
On my statement with a closing date of XX/XX/XXXX from Synchrony Bank/Amazon, I was charged {$1.00} in " interest charges, '' even though I paid {$64.00} on XX/XX/XXXX My previous balance was {$610.00} ; purchases/debits were {$21.00} and my new balance became {$570.00}.
<P/>
This is not the first time I have purchased an item with differed interest from Amazon.com and have been charged interest fees. In XX/XX/XXXX, I had a refund for the ( less than {$2.00} ) interest fees from that purchase. I can produce paperwork in the future.
<P/>
I am so tired of calling them to refund XXXX dollar here and there. It is so ridiculous and when I call customer service at XXXX, they tell me I can allocate my payment through their website. I am not a person that will ever trust Amazon.com to house my payment information. They have been hacked before and probably will be again. I want to pay them from my secure credit union 's online payment center and NOT call them every time I receive a statement! My other accounts, like XXXX XXXX and Lowe 's do not have problems doing this allocation ( although XXXX XXXX used to years ago ). Please HELP all the customers of Amazon.com with Synchrony Bank accounts who believe that they can purchase something with deferred interest! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
In XX/XX/XXXX I entered into a HELOC with U.S bank for a Line of credit of {$1.00}. The rate was 2.25 % interest only mortgage for 5 years. I made all my payments and taxes for 5 years.I had talked to XXXX XXXX, in the XXXX XXXX XXXX in XXXX WI, and who had originated my loan. I talked him 3 times and he assured me that it would not be a problem to renew to mortgage. In XXXX or XXXX  on XXXX had left his position.
I called to see if anyone could assist me but to NO avail. The problem is the U.S bank only services the loan but has NO money in the loan and therefore has so incentive to work thing out. Early in the process, after I realized that my " modification '' was going nowhere I told them I would pay them 5 years of payments and 5 years of taxes up front as good faith. They told me that they could not because the loan was due in full.
In XX/XX/XXXX I left my position to become a XXXX XXXX after 25 years in the XXXX XXXX XXXX profession in which 20 years I owned my company so I am very familiar with to whole process in including the XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX because in how the mortgage servicing was handled I had a XX/XX/XXXX and was hospitalized for 3 weeks and I am still on XX/XX/XXXXtoday. The doctors said the XX/XX/XXXX occurred due to XXXX which was at least partially and entirely the way the mortgage was handle for 2 years. Had they just renewed the mortgage note none of this would have happened. In XX/XX/XXXX i secured a position with XXXX XXXX but I have since lost that position due to my XXXX. I was only in the position ofr 3.5 months. That position paid me {$120000.00} plus incentives up to about {$190000.00}.
I have had at least 10 employee relationship managers and No one who can a decision. Also in XX/XX/XXXXwe had a offer for {>= $1,000,000} that finally got pulled inXX/XX/XXXX ( more that 11 months ) because U.S bank could not make a decision.
I summary I have never experience anything like this. It has been over 4 years since my balloon was due and I made numerous attempts to resolve it. There is about 4 years and 4 inches of correspondents which is too much to email. I have sent you the statement from XX/XX/XXXX showing my balance and the amount due. I can mail the rest of file if it is requested

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 2017-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America has violated Bankruptcy Law and state and federal laws by trying to foreclose on our home while in bankruptcy with fraudulent documents. Master Servicer Bank of America developed a scheme and transferred loan to  XXXX   XXXX   XXXX  to cover up Bankruptcy Law violations.

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 2017-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have a n Auto loan with Bridgecrest Finance comp any when I lived in  XXXX . I am trying to get tags to my car in  XXXX . I faxed the a form for them to send my title to  XXXX  the end of  XXXX . I called them the beginning of  XXXX  to see if they sent my title to  XXXX . They said they did n't get the form. I faxed it again the beginning of  XXXX  and called them to see if they got it. They said they did get it and it would take abou t 3 to  5 days to get my title and send it to  XXXX . I have been calling them at least once a week to see if they sent my title. They keep telling me they have to get the title and send it. They keep telling me it will t ake 3 to  5 days. Now I have been out of work for 5 days and still ca n't get my tags because they are refusing to send it. My next car payment is due on  XXXX / XXXX /   2017  and I do n't have the money to pay them due to me being out of work due to them not sending my title.

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 2017-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been in the process of building my credit and received a notice from  XXXX   XXXX  that my credit scored changed. When I logged on it had dropped significantly! When I reviewed why ... .there are  XXXX  debt collections on there that are from  2013 . I do n't recall ever receiving a letter to settle and I do believe it 's from a previous bankruptcy charge off - it 's been well over  four  years.     Not sure how I can get this off my credit so that I can continue to rebuild it. Any help / information would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied for a job with  XXXX  on  XXXX / XXXX / 17   to drive my  own vehicle.  XXXX  submitted my social security number along with a car loan application to a leasing company named  XXXX   XXXX   XXXX  that they are affiliated with on  XXXX / XXXX /   2017  without my consent. This company pulled a copy of my credit file and they are refusing to remove this inquiry with Transunion credit reporting agency. I have called  XXXX   XXXX  the representative told me to call Transunion and she was rude and did not offer me any assistance. I called Transunion and they will not remove the inquiry and they told me that I need to contact the company that pulled my credit file. I spoke with   XXXX   and they stated that  XXXX   XXXX  can pull my credit if  XXXX  allows it. I have attached that correspondence as proof.

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 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
From XX/XX/XXXX  till now,  seven p ayments w ere made to a Capital One C redit Card from my checking account. All of them were for {$75.00}, and at first I thought they were auto   payments to one of my Capital One Credit Cards. Two days ago, I found out they were not.
<P/>
I have already called the bank handling this checking account, and will be closi  ng the account shortly. However, not only am I worried that this could happen again, I am furious   at the lack of support Capital One has provided.
<P/>
Their mobile application was used to take this money from me, and instead of checking their database to figure out who was making these transactions, they just wanted me to file a claim to my local bank. They offered me absolutely no assistance, despite their application being at potential fault.
<P/>
As stated, I am going to reopen my checking account with new numbers, but Capital One needs to improve their security if they want to keep me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was using BoA cash back deal for XXXX by XXXX. Which is {$15.00} off for over {$20.00} transaction. But BoA did n't give me the cash back. Account type BankAmericard Cash Rewards Visa Platinum Transaction description XXXX BY XXXX Posting date XXXX/XXXX/2017 Transaction date XXXX/XXXX/2017 Order date XXXX/XXXX/2017 Amount {$23.00}

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 monetary relief
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
PROFESSIONAL ADJMNT CORP CLAIM I OWED THEM MONEY FOR MEDICAL BILLS FOR YEARS I 'VE REQU ESTED VALIDATION FOR YEARS NONE WAS PROVIDED FOR YEARS THIS ITEMS HAS AFFECTED MY CREDIT, FOR YEARS MY VALIDATION REQUEST WAS IGNORED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I owed the  XXXX   XXXX  a balance of {$720.00}. My bill started out at approximately {$1500.00}. I was on a payment arrangement with the clinic and making timely payments of {$100.00} per month. On    XXXX   XXXX  , 2017, I received a collec tion letter  from Transworld Systems , Inc. I c alled and spoke with  XXXX   XXXX  and she extended a settlement offer of a 20 % reduction. I paid the amount of {$570.00} via credit card on that phone call. I have now received another collection letter stating the 20 % or {$140.00} is due. I ca lled Transworld Systems , Inc. an d spoke with  XXXX   XXXX . He put me on hold and when he came back to the line informed me that the settlement offer was not going to be honored and the money was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I disputed accounts that were reporting incorrectly on my credit report. After the investigation was completed. I received an updated report from Equifax showing the accounts had been deleted. Well 2 days later all the accounts that were disputed and removed were placed back into my account. Also all my closed student loans that have been consolidated were placed back on to my report as individual accounts. I called the credit reporting agency and was told I need to dispute the items all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07 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: FL

Complaint narrative:
For years   XXXX    XXXX   XXXX  reported only to experian about  XXXX  debt I do not owe, according to experian they 've verified that I owe  XXXX   XXXX   XXXX  these  XXXX   XXXX , not sure how because  XXXX   XXXX   XXXX  was never able to validate with me. experian has refused to re-investigate and after many years will not re-investigate the information.

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