vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-17 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: CITIBANK, N.A.
State: MO

Complaint narrative:
In XX/XX/XXXXI attempted to modify my 2nd mortgage with CitiMortgage. I was told by a Citi employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with Citi stalled, I received the attached letter from Citi stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. CitiMortgage is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.

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 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: SD

Complaint narrative:
In XXXX XXXX I submitted a written cease and desist to nationstar which I also verified on the phone with them that they received. They continue to call my house for refinancing options but when they leave a message it says contact nationstar mortgage now concerning opportunities. So my XXXX year old mother has moved in with me due to health reasons and now i come home from work with her writing notes for me to call nationstar and since she has XXXX XXXX thinks the worst that the house payment is late. I am not eligible for a refinance on my current home ( which is at XXXX ) as I have already used the HARP program through Nationstar. I have other mortgages and I do n't get any other phone calls like this from other servicer. I have never been late, and I mean never! I worked in collections for another mortgage servicer and am aware of the rules surrounding CFPB and Cease and Desist and I am seeking damages per occurrence of XXXX. There have been close to 100 phone calls since writing in XXXX and confirming with them that they received my cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vital Solutions, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX responded with the following : which is not true and a misrepresentation ; Third, you allege Vital continues to unlawfully collect a debt. Vital received a letter from you dated XX/XX/XXXX that requested verification of the debt and requested that any communication with you or your family members should be done in writing. Vital complied with your request and sent written verification to you on XX/XX/XXXX. Furthermore, Vital also ceased collecting your account and cancelled the payment plan agreed to by XXXX xxx. Vital will no longer be contacting you or XXXX xxx about this account. I trust that this correspondence explains Vitals handling of your account and satisfies you that its actions were proper and lawful. Please do not hesitate to contact me with any questions you may have. Thank you for your courtesy. XXXX XXXX Manager of Compliance XXXX XXXX XXXX XXXX | P : ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX This Communication is from a Debt Collector. Enclosure ( XXXX ) : XXXX On XXXX XXXX, XXXX, Vital submitted an ACH payment of {$310.00} to my financial institution that successfully cleared onXX/XX/XXXX On XX/XX/XXXX Vital submitted another ACH payment of {$310.00} to my financial institution that was returned in correspondence of XX/XX/XXXX Vital did NOT comply with request nor did Vital cease collection activities. Financial institution will be providing a copy of the returned check dated XX/XX/XXXX submitted by Vital. Vital has continued to submit payments, although per the statement above per Manager of Compliance states that they had complied with request and ceased activities in turn causing financial duress. 15 U.S. Code 1692f - Unfair practices -- Violation ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. Vital also states that " After a comprehensive review of the relevant call recordings for your account, Vital respectfully denies these allegations. '' But a lawful recording of an in-person conversation requires the consent of all parties. Mo. Ann. Stat. 542.402 XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
XXXX XXXX has claimed that owe XXXX XXXX {$2700.00} for a payday loan ( which is not legal in Maryland XXXX I have told them on several occasions that this is not my debt, they have listed this on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Recovery Group
State: TX

Complaint narrative:
Global recovery group calls several times a day, usually repeatedly in a row. They also leave threatening messages about finding out where I work and coming to my house. I have requested an address for debt validation and the man who calls me refuses to give me an address. I have asked repeatedly for a letter to be sent to my house and the caller refuses. He emailed me a letter even though I requested something in writing more than once. The letter says the company is global recovery group and also says the current creditor is XXXX XXXX XXXX. So I have no real information on who I 'm suppose to respond to. The call wo n't tell me his last name. The messages I receive are from a woman named XXXX who states I 'm going to be served with a claim at home or at work. Still, all requests for written communication or an address to send a certified letter are refused. They continue to call my husband and my parents house after I requested them to stop

Company response to consumer: Untimely response
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management
State: FL

Complaint narrative:
XXXX XXXX est. Thursday, XXXX XXXX, 2017 I contact Fox Collection Center via phone and email in reference to an allege debit owed to XXXX XXXX and XXXX XXXX in the amount of {$72.00}. I spoke with XXXX. XXXX XXXX I inform her that I had email Fox Collection Center and XXXX XXXX  and XXXX XXXX a Pay for Delete contract agreeing to pay the alleged debit in full. During the conversation I informed XXXX. XXXX XXXX that I had spoke with the billing department of XXXX XXXX and XXXX XXXX just prior to speaking with her, I inform her that XXXX XXXX and XXXX XXXX had a copy of the pay for delete contract and that XXXX XXXX  and XXXX XXXX was fine with the contract but said I would have to go thru Fox Collection Center to pay the alleged debit because that they are using Fox Collection center to collect the alleged debit. XXXX. XXXX XXXX replied that Fox Collection Center would not review the Pay for Delete contract Nor accept my payment in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a follow-up to an ongoing Claim # XXXX which you indicate JPM is the process of reviewing. I have had a chance to review the documentation the notary, who came to my house to do the closing on the refi back in 2011, left with me. In this packet you will see : ( 1 ) copy of one of the letters from Chase responding to one of my claims, indicating that they had sent me a marketing offer for a super streamline HARP - As stated before this is incorrect. I did n't respond to any marketing offer. I enquired about getting a lower interest rate on my existing loan based on what the market was offering and being that Chase had my loan.
( 2 ) Copy of JPM Chase Commitment letter clearly indicating type of mortgage as : Conventional Fixed.
( 3 ) Copy of Notice of Right to Cancel clearly indicating type : Conventional ( 4 ) Copy of Uniform Residential Loan application clearly indicating type of mortgage as Conventional ( 5 ) Copy of Settlement HUD-1 clearly indicating loan type : Conventional uninsured ( 6 ) Copy of Truth and Lending Disclosure Statement Final copy indicating nothing about loan being a HARP. It is the Lock-in-Agreement the only document that refers to loan type as Conventional HARP. As stated before, based on the criteria required for a HARP loan, it does n't look like my loan qualified for such program as it did n't provide me with any added benefit but rather increased the overall loan amount by approximately $ 50k. Extended a higher rate than the current market rates while increasing my loan term by 13 years. The attachments clearly indicate that I was intentionally mislead. Chase never told me about the HARP program nor disclosed any advantages or disadvantages of converting into a different type of program. However, as the documents show, only the conventional program was being offered.
Regardless of the type of loan Chase granted me though, my request was to reduce my debt by refinancing at a lower rate which at the time was being offered, by different financial institutions including Chase, at below 4 % but Chase I only qualified for 5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
In the beginning of XXXX XXXX, I had gotten denied for an apartment where I was required to pay XXXX $ for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX $ loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged. After contacting the local county clerk 's office by mail on XX/XX/XXXX, inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.

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 2017-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
on X/XX/17, I received a {$400.00} deposit into my savings account from Riverbendcash.com. I never authorized this loan nor did I ever have any contact with them prior to the monies being deposited into my account. I called their customer service line and asked them to please reverse the deposit and take their money from my account and to block my account from any future deposits/drafts from their system. In addition, I requested how did they receive my information. The rep provided me with a phone number I use to have 10+ years ago and an email I had 15+ years ago. Under no circumstances did I ever request, authorize or consent for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: 4M Collections, LLC
State: WA

Complaint narrative:
I have been getting repeated voicemails from XXXX XXXX XXXX. First and foremost, I have not received any written letter from XXXX XXXX XXXX via U.S. Mail, as required by federal law, informing me of their intent to collect any debt from me, nor my right to dispute the debt. Secondly, I have informed them, via my voicemail, that they are to leave a detailed message why and who they are collecting for and if they continue to harass me I will report them. This method has failed as all they leave for a voicemail is, " This is an attempt to collect a debt by a debt collector. Please call XXXX XXXX XXXX at XXXX. Thank you. '' Third, according my credit reports, I have no outstanding debt that has been referred to a debt collector. Ultimately, XXXX XXXX XXXX needs to stop harassing me with debt collection, when they have the wrong number. Here are some of the calling and voicemail records I have of them. Called and left voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  Called and left no voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: IL

Complaint narrative:
Navient wants to sign me up for a new payment program, but will not give me any information in writing about the program. Everything needs to be over the phone, which does n't allow me to keep track of what they tell me and how my payments will be handled. We have submitted all of the documents that have been requested of us to Navient. I have requested information on the next steps over email. All I am told is that I need to call the office. This gives me no control over what they say or tell me, or how I am supposed to prove what they say and tell me at a later date. I have already received conflicting information about my account when I called their office the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
There is a collection on my XXXX credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. XXXX  still shows it. I contacted XXXX and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and XXXX that can only accept disputes and their investigation comes back wrong. I am frustrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
The complete request for short sale packet was submitted to Ocwen on XXXX XXXX XXXX. On XXXX XXXX I received my first payoff which I confirmed that the loan with Ocwen would be paid in full from sale proceeds. At THAT time on XXXX XXXX when I called and spoke to the short sale department to let them know that we would only be doing a short sale on the second because this loan ( loan with ocwen ) would be paid off in full that the foreclosure date was suspended. And I was told to just be sure to send in the 2nd lien approval as soon as it is received. I received the second lien approval on XXXX XXXX and called and spoke to someone in customer service to again confirm full payoff status and the closing date of XXXX XXXX ( I do not have the name because the call was outsourced to someone in XXXX XXXX and the names and spelling are difficult to register. I was told to email the letter and the hud that matched and also confirm the suspension was still in place. I had no reason to think we were in danger as I hadnt received any calls or correspondence from Ocwen that would raise suspicion of the foreclosure suspension being lifted. On XXXX XXXX when I called in for an updated payoff for our closing date the following week you can imagine my shock and the sickness I felt when I was told the property was sold to a third party on XXXX XXXX.

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 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
My son received academic services through XXXX XXXX XXXX. When I was referred to XXXX in XXXX of XXXX, my husband and I were informed that our son could receive one-on-one, in person, tutoring services from one of XXXX 's academic tutors for three years. The start of services were provided through a one-on-one format with one of your academic tutors, but after the eighth sessions my son was informed that he would be receiving academic tutoring services via computer format. My husband and I were never informed that academic tutoring services would be switching from a one-on-one format to a computer format. We would not have signed up for XXXX 's services if we knew that they would be on the computer and not in person. This was not the type of tutoring service we pursed for our son, and I followed up with a representative of XXXX in XXXX of XXXX via telephone requesting to terminate services, in which I was initially denied and informed that nothing further could be done because the contract date had passed to cancel. Despite our rescission of the contract in XXXX XXXX based on this misrepresentation, Equitable Acceptance, who financed a revolving credit plan for XXXX 's services, has been attempting to collect {$1500.00} from us. Attached to this complaint are copies of the billing statements and the XXXX XXXX, XXXX letter sent to both XXXX and Equitable Acceptance reiterating our grounds for rescission and describing the provisions of California 's Consumer Legal Remedies Act violated by XXXX 's conduct. Instead of validating the debt in any way or responding to the content of the letter, Equitable Acceptance instead sent a billing statement on XXXX XXXX, XXXX. I believe this was sent in violation of the FDCPA and California 's Rosenthal Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
A relative used my social security number without any Identification for medical help. I disputed this collection 6 months ago and it was deleted from all three credit bureaus. Medical Data Systems has once again added the same collection to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been in constant contact with SYNC / Care Credit and informed them to please send me documentation that I signed a contract to pay them. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. 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 explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation
State: FL

Complaint narrative:
X/XX/17 at XXXX GC : is one of many repeated wrong number calls being made to my phone number to contact a person who does not live at my home. Performant 's procedure to speak with a live person during the call to update their database does not work, so the annoying calls continue.

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