vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates
State: OH

Complaint narrative:
In late  XXXX    XXXX  , I received a phone call from  XXXX   XXXX  of  Prince, Parker, and Associates,  a collection agency, stating that  XXXX   XXXX   XXXX  had referred my account to them for collection. I informed  XXXX   XXXX  that I had been working with  XXXX   XXXX   XXXX  to resolve the bill in question, because they had confirmed it as being inaccurate.  XXXX   XXXX  insisted that if I did not provide payment withi n 4 hou rs, she would make negative remarks to my credit file. I told her I would not pay a bill that has been acknowledged as invalid by the creditor, and that I would get back to her once I spoke with  XXXX   XXXX   XXXX . I then called  XXXX   XXXX   XXXX  customer service again in an attempt to resolve both the billing issue and the collection activity.  XXXX   XXXX   XXXX  opened a dispute case and advised me to provide the case number to the collection agency, indicating that it would stop any further action until  XXXX   XXXX   XXXX  was able to resolve the billing problem. I called  XXXX   XXXX  back and left the information Id received from  XXXX   XXXX   XXXX , including the case number, on her voicemail, and asked her to call me back if she had any further questions or required any additional information. The following week,  XXXX   XXXX  called me again, stating that I needed to make payment arrangements immediately or negative action would be taken against my credit. I reminded her of the  XXXX   XXXX   XXXX  case number that I had left on her voicemail the previous week and inquired if there was a problem with that information.  XXXX   XXXX  indicated that she had not listened to her voicemail, that the case number was meaningless, and she would only accept direct communication from  XXXX   XXXX   XXXX  to cease collection activity. I called  XXXX   XXXX   XXXX  customer service again to let them know that she would not accept their case number and inquire about the next steps to resolve this action, but no one was able to assist. As of todays date,  XXXX   XXXX ,   XXXX  ,  XXXX   XXXX   XXXX  has not resolved the billing issue and  XXXX   XXXX  continues to call with threats of negative credit remarks and further action if I refuse to pay the invalid bill. In each communication with  XXXX   XXXX , she is belligerent, inattentive, and degrading. She refuses to listen to the issue at hand and speaks to me as though I am something less than human.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On  XXXX , I requested a revised Escrow History, because I cancel the old Home Ow ner Ins for {$3000.00} for new policy {$720.00}.      On  XXXX   XXXX , I received a Escrow History Dated  XXXX   XXXX ,  XXXX , Upon reading I notice immediately that the amount were not correct. I call on  XXXX   XXXX  spoke to representative in the escrow department.     My " Old Mortgage Payments " {$950.00 } My NEW  are {$680.00}.   ( {$680.00} is compose of  XXXX  Escrow and  XXXX  P/i ) My argument is as of  XXXX   XXXX  my escrow accumulated amount is {$2300.00}. My  Property Ta xes are  XXXX  and Ins  XXXX  the total is {$2400.00}. I understand there need to be " cushion ''. So with  XXXX   pmt and   XXXX  pmt of  XXXX  each bring the total to {$2700.00}. Should be enough to satisfied this condition.     As per the law, any financial company holding over {$50.00} in the escrow over the amount required must return it to the person making the mortgage payments.     Then as I understand this situation, my  XXXX  payment should be {$480.00} since I have satisfied the escrow amounts.     The property taxes will be due on  XXXX   XXXX , and the  Insurance  in  XXXX . I want to pay these amount on my own. And hopefully refinance.     Please help me correct this situation  with Ocwen  ( according the representative it will take over 45 days to correct, ) Mean while they are asking for the wrong amount for the mortgage. Even though I send the correct amount, I do not want to go into default.     Thanking you in advance for your assistance in this matter, I remain grateful.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
approx.  XXXX   American Express Credit Card Co. offered their so called " valued customers " a special deal on magazine subscriptions for a small service fee. However at the end of the trial subscription they automatically charge you an exurbanite amount for the magazine without any notification to the customer. The American Express company will not even let you file a charge dispute. They refer you to series of numbers which just happens to be in their system but are saying is a separate company that needs to be contacted. I have made several attempts to file a grievance with American Express but they are denying responsibility for this special offer to " valued custome rs '' I am on a fixed senior citizen budget and can not afford the hidden rewards that this credit card company wishes to bestow on me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I took out student loans to pay for graduate school in   XXXX  . When I graduated, I was enouraged by    XXXX   XXXX  /  Navient to  consolidate my federal loans with my private loans, which they held and I was encouraged to put my loans in forbearance several times when I asked for help with repayment terms that would make my payments more manageable, as I was just starting out as a public school teacher. They told me that there were few options for repayment and that forbearance was the easiest. They offered no alternative plans or solutions.     In addition, when I became a teacher and learned about public loan forgiveness act, I called several times to inquire about qualifying loans and was told that I would n't qualify and that I was already on the lowest payment plan and that my loans did n't qualify for forgiveness. I ended up contacting the federal government to consolidate all my federal loans with them and am now on year  four  of the plan.     I have been repeatedly given bad information. This information cost me several years of loan forgiveness I could have had through the public loan forgiveness act because I 've been a teacher for 10 years.     When I filed a complaint originally, they did n't really respond to the nature of my complaint. I got a generic response. I contacted the Attorney General 's office and filed a complaint through them because my state is currently suing   XXXX   XXXX  /Navient for similar reasons.     I 'd like my loans  discharged. I h ave paid faithfully, despite constantly receiving misinformation from the company. I pay and pay and the principal barely goes down due to the outrageous interest fees which accrued over the years, especially during forbearance. I feel I 've been kept in debt by them through these interest rates and feel there is no way to get out. I feel that 10 years of consistent payments should have at least brought down my principal significantly. Instead, it remains practically the same as when I took it out, plus several   thousand dollars of interest.
I 'd like to have my loans discharged. What do I need to do?       Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
XXXX   XXXX   reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.

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 2017-05-15 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: ME

Complaint narrative:
XXXX   XXXX  reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
XXXX   XXXX  reports that my account was delinquent and that I missed a number of payments, when in actuality, the transfer of those accounts to a new loan service company was not accurate in the transfer of the account. I had been accepted for a deferment with the new company however the old company reported delinquent and missed payments. My record will show I never make late payments and that the transfer of the account caused the late and delinquent report from the loan service, not on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo stole {$1200.00} from my checking account and then they intentionally DELETED  the transaction from my bank statement and online banking.    Wells Fargo com mitted bank fraud by deleting the stolen {$1200.00} transactions on my account.   I have the bank statements showing the transaction was DELETED.   They tried to cover their tracks of stealing the {$1200.00} by DELETING the transaction all together.   They never refunded the stolen  money. Wells Fargo has a l ong history of STEALING from clients. They are probably stealing money from millions of clients.

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 2017-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander Bank h ad an offer of {$500.00} if I opened a business checking account.     The conditions : - keep account open 90 days - {$2000.00} of cumulative deposits in 90 days  XXXX  transactions in 90 days ( purchases, transfers etc ) I met all the conditions and now they are saying I did n't qualify for the bonus because I did n't meet an average daily balance of {$2000.00}. ( that condition was never listed on the offer )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I made a purchase originating fro m homedepot.com that c harged  XXXX  to my Home Depot Credit card. The store was unable to fill the order and cancelled the order on the same day. I received an email cancellation and refund confirmation when store cancelled my order. I waite d for one wee k and my refund did not get processed. I attempted to resolve with the store and they insisted that they could only refund me if I presented my card and ID in person. I contacted customer care wi th Home Depot and the  referred me back to the store stating that they were unable to assist. I disputed the transaction on my credit card. I called the credit card disputes department for my home depot credit card on  XXXX / XXXX /  XXXX   and was advised that my dispute was closed and needed to be reopened. I advised that the dispute is not resolved and that the store has had an opportunity to represent to my dispute and should not be allowed to reset their dispute clock. The agent advised that the merchant has not represented. The credit services/claims associate advised that she could not escalate this claim. I advised that they are out of compliance with lending regulations. The associate offered no further resolution. Called  Store  on  XXXX / XXXX /  XXXX   and was advised by  manager on dut y  XXXX   that they are un able to process the refund unless I come into the store.

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 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bank of America Home Loans  transferred my mortgage to  XXXX   XXXX   XXXX   XXXX  ( BLS ) effective   XXXX   XXXX  . I started receiving mail from BLS that I was  XXXX  months delinquent. I filed numerous inquiries with BLS (   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    )  and submitted documents showing proof I was not delinquent and asked  XXXX  to substantiate their claim, which they can not do. They stated to me that they could not provide this information because they did not have it or serviced the loan prior to   XXXX   XXXX   So BLS is collecting on a debt they can not substantiate is warranted.   Not until I filed a CFPB complaint, number  XXXX  that  XXXX  gave me  XXXX  's history information so I  XXXX  review. Reviewing this information, shows where the mistakes occurred but all money is there. Based on the information that was supplied from BLS from my complaint, it does not show that I am delinquent  XXXX  payments.Both BOA and  XXXX  are at fault to the information between the transfer.   Had BLS verified the information before, during and after the transfer from  XXXX ,  XXXX  would have seen the mistakes and realized all monies are accounted for and that  XXXX  has made the posting mistakes.   In order for  XXXX  to open a BOA inquiry, I had to enter a re-payment plan in order to avoid foreclosure. A plan that I should not have had to enter. My BLS point of contact from communicated that my  XXXX  inquiry to investigate posting mistakes was opened   XXXX   XXXX   XXXX   Today,  XXXX  months later, I still have not received a claim number or any resolution about the mistakes.   I have supplied all supporting documents that prove I have made all necessary monthly payments and that my account is current.  XXXX  continues to post my payments to the incorrect months.     Sincerely,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise credit services has been calling at least 4 times a day for a   XXXX   bill. I asked them repeatedly to stop calling while I 'm at work but they argue that I do n't answer after work but I have set up payment but I ended up not having the money in the account. I would set it up again but they wo n't quit calling me at work. They are also masking the number because I called it back one time a nd it was n't a debt collector at all.

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 2017-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RMB, Inc.
State: AL

Complaint narrative:
I checked my  XXXX  Credit report and I seen this company pop up as a open  account RMB INC with Huntsville Hospital it states that I owe money and it made my credit score drop it was reported not just once but 3 times on my credit report with only  XXXX  of them stat ed that it was included in Bankruptcy but the other  XXXX  was not reported in bankruptcy. I attempted to contact the company  two  times with no results I even left messages on Friday  XXXX  the  XXXX    XXXX   at  XXXX  in the morning they transferred me to the manager no answer and I left a message for him to contact me. I waited nothing I called back on Saturday  XXXX   XXXX  left a message no reply. I contacted my lawyer and legal charges will be filed if they do n't removed this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: QuickClick Loans of Illinois, LLC
State: MO

Complaint narrative:
BROOKWOOD ( USING SELECT  MGT. ) HAS ON NUMEROUS OCCASIONS CALLED ME AT WORK AGAINST MY EXPLICIT INSTRUCTIONS TO STOP CALLING ME AT WORK. IN THE PROCESS, THEY HAVE REVEALED TO MY EMPLOYEES THAT I HAVE A LOAN AND THEY ARE A COLLECTION AGENCY. THEY EVEN TRIED TO VERIFY MY EMPLOYMENT ON  XXXX / XXXX / 17 . THEY HAVE BEEN AGGRESSIVE AND THREATENING WHEN I HAVE SPOKEN TO THEIR  COLLECTORS  THREATENING LEGAL ACTION. I HAVE ATTACHED PHOTOS OF THE CALLER ID AT MY WORK. THEY WO N'T STOP CALLING MY WORKAND EMBARRASSING ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I HAVE A MORTGA GE WITH JPMORGAN CHASE &  CO AND I REQUESTED MORTGAGE ASSISTANCE WHICH WAS DENIED ON  XXXX   XXXX ,  XXXX . THE AGENT THAT INFORMED ME OF THIS DECISION TOLD ME TO MAKE SOME PAYMENT BEFORE  XXXX   XXXX ,  XXXX . ON  XXXX   XXXX ,  XXXX , I WAS 4 MONTHS PAST DUE ON THE MORTGAGE AND THE AGENT ADVISED ME TO MAKE THE  XXXX   XXXX ,  XXXX  TO KEEP THE PAST DUE TO LESS THAN 5 MONTHS.     I MADE A {$2000.00} PART PAYMENT ON THE MORTGAGE INSTALLMENT DUE OF APPROXIMATELY {$3700.00} FOR PRINCIPLE, INTEREST, AND ESCROW. I MADE A FURTHER PAYMENT OF A PAST DUE MONTH ON  XXXX   XXXX ,  XXXX .     CHASE RETURNED BOTH PAYMENTS TO ME AND WOULD NOT ACCEPT ANY PAYMENTS LESS THAN 3 MONTHS PAST DUE OR {$11000.00}. I HAD PAID THEM APPROXIMATELY {$5700.00} TO CATCH UP ON PAST DUE AMOUNTS AND REFUDED ANYTHING LESS THAN {$11000.00}. I NEVER HAVE EXPERIENCED ANY CREDITOR REFUSING PAYMENT UNLESS IT WAS A MINIMUM AMOUNT. THIS PRACTICE IS AN EXCUSE TO ALLOW THEM TO PROCEED TO FORECLOSURE AND MAKE A WINDFALL PROFIT ON THIS MORTGAGE WHICH WAS PURCHASED BY  CHASE FROM THE  FICA AS A RESULT OF TH E WASHINGTON MUTUAL ( WAMU ) FAILURE IN   XXXX   FOR LESS THAN CENTS ON THE DOLLAR.      IN  XXXX  CHASE REFUSED TO MODIFY MY MORTGAGE UNDER HAMP FOR THE SAME REASON AND THEY FALSIFIED THE ENDORSEMENT FRO M WAMU  AND ROBO SIGNED THE TRANSFER FOR WHICH THEY WERE PENALIZED BY VARIOUS GOVERNMENT AGENCIES.  CHASE FI NALLY MODIFIED MY MORTGAGE IN  XXXX  AFTER THEY SETTLED A LAW SUIT I FILED AGAINST THEM AND PAID ME DAMAGES OF {$15000.00}.      CHASE  PRETENDS TO PROVIDE MORTGAGE ASSISTANCE AND ASSIGNED ME A PERSONAL REPRESENTATIVE WHICH I CAN NEVER CONTACT BECAUSE SHE IS NOT AVAILABLE. WHEN I CONTACT MY PERSONAL REPRESENTATIVE, SHE IS NEVER THERE AND ANOTHER PERSON HAS TO ANSWER MY CALL. ALMOST EVERY SUPPOSED CUSTOMER CARE REPRESENTATIVE HAS A FOREIGN ACCENT AND HAS NO AUTHORITY TO MAKE ANY DECISIONS. THIS IS A RUSE BY  CHASE  THAT THEY PRACTICED IN  XXXX  WHEN THEY FILED A FORECLOSURE AGAINST ME AFTER THE AGENT TOLD US NOT TO MAKE ANY PAYMENTS ON THE MORTGAGE UNTILL THE MODIFICATION WAS COMPLETED.     AT THAT TIME I WAS NOT EVEN PAST DUE ON ANY AMOUNTS. I AM  XXXX  YEARS AND NEED ASSISTANCE FROM  CHASE PRE DATORY COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When attending  XXXX  school I took several private loans. I was unaware at the time but some of the interest rates were exceedingly high. At the time I was unaware and uninformed of the loan process. When I graduated the loan company began to call me constantly and consistently. I went back to school because the loan amount was too large for me to handle and thought by going back to school it would increase my income. In  XXXX , from  XXXX  to  XXXX  my account fell into a 90 day delinquency. This was due to a family issue, as well as my transitioning into a   XXXX   XXXX  . I am now aware that there could have been more constructive methods of handling this situation but at the time I did not see how it was possible. Now am I facing over a {$100000.00} in private debt alone and can not consolidate my private loans until  XXXX . I am requesting a reduction in some of interest rates mainly the ones that are 10 % and higher, with an emphasize on the loans that are currently at 15 %. I do not see how it is manageable to pay rent, a car loan, and buy groceries with this crippling debt. The lender is requesting  XXXX  dollars monthly. This seems unreasonable and with my other financial responsibilities it is something that I just can not do. My estimate gross monthly income is roughly {$2400.00}. I can not see how I could possibly make these payments and survive.

Company response to consumer: Closed with explanation