vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a 3rd party authorization in place to handle this on behalf of the owner, XXXX XXXX XXXX. I am her Realtor and she has granted me and submitted to Chase Bank, this 3rd party authorization. She was in arrears on her mortgage with Chase. She worked diligently with them and filed bankruptcy and it was all straightened out in XXXX 2015. The HOA had a lien against her in the amount in excess of {$7000.00}. Chase paid it off and this took it out of foreclosure status. However, on XXXX XXXX 2015 she received notice that the house still went to foreclosure sale and she no longer owner the property. She contacted Chase, who continued to tell her to do nothing - her mortgage was fine and they paid off the HOA. She recently suffered XXXX XXXX, is XXXX and spent 30 days in the hospital and rehabilitation center. When she got out, she arrived home to find an XXXX County Judge approved the locks be changed on her home and she could not access it. She was told the foreclosure took place in XXXX 2015. She has never received any constructive notice of a foreclosure, has no second mortgage and Chase continues to insist they have the current mortgage in good standing. She has attempted to get Chase to look into a possible improper foreclosure but they say they do n't have the ability to escalate it since it is current. She is without a home and all of her belongings are locked up in a house she is told a judge wo n't let her into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I withdrew {$400.00} from a bank branded atm XX/XX/2017. I was only given {$80.00}. I have contacted the bank multiple times to receive a credit back into my account. I have been told multiple dates and was last told the credit was n't due to my account till XX/XX/2017. It is now past that date and I still have not received my credit. I was guaranteed on or before XX/XX/2017 by a senior claims specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Webcollex, LLC
State: MD

Complaint narrative:
I was contacted by CKS and they were attempting to collect a debt from XXXX XXXX. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know XXXX XXXX was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that XXXX XXXX was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt CKS would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with CKS Financial for debt collection. CKS seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe XXXX XXXX is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt CKS will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
New Jersey Higher Education Assistance Authority ( NJHESAA ) ran programs ( from XXXX and potentially much longer ) in which their representatives went to New Jersey high schools to " educate '' parents, teachers and students about how to pay for college education however the representatives unduly promoted NJHESAA loans, gave false or misleading information regarding federal loan options, and presented misleading information about the " benefits '' of NJHESAA loans. The NJHESAA representatives used their position as employees of a state agency to the deceive parents, students, and teacher into believing that the information presented was given without agenda or bias and was factually correct. In many cases parents, students and teachers were made to believe that NJHESAA loans had the same terms and conditions as federal loans when it fact the terms was drastically different. NJHESAA loans were presented as though they were the only viable option to pay for a college education and that federal loans would not be suitable to cover the cost of college education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC
State: TX

Complaint narrative:
There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
I ordered cable and telephone services from XXXX XXXX. When the cable installer tried to install the XXXX, he said that they were unable to install it due to the direction my building was facing. XXXX contacted me and stated that due to their inability to fulfill their contract, our account was cancelled. However, I keep receiving a bill for {$450.00}. I contacted the company 's president 's office, who took care of it. They sent me a confirmation email stating that it was resolved by crediting my account to show a {$0.00} balance. I received a bill from their collections afterwards, so I resolved it with their Collections Department as well. They admitted that they did not provide us with any services, therefore will stop pursuing us for this bill. Several months later, I receive another bill from North Shore Agency, a national collection agency, for the same amount. 
Yes, I initially did in fact place an order for telephone and cable services from XXXX XXXX. However, they were unable to install the XXXX, for which I ordered. They cancelled my account. I have not received any services from them whatsoever. 
Please advise how I should proceed. This is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I have no knowledge of this said debt and I would like it removed as it is reporting to credit bureau as an open account and negatively affecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Duvera Billing Services, LLC
State: OR

Complaint narrative:
Went to pay loan in full ( {$1500.00} ) within 90 days of no interest terms. Duvera financial revoked all terms of contract, applied back interest to date loan was originally issued because I was now calling 4 days past first payment date.Said I now owed Duvera $ XXXX+ to Resolve loan. Refuse to help me resolve loan that day and still till now until I pay their demands. Now they say I owe them {$2400.00} for a loan that is only 5 months old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Retention Consulting Services Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX a woman by the name of XXXX ( mumbling last name ) Said she received some documents. She needed my signature and was going to send the documents certified mail. She said I need to be home between XXXX and XXXX to sign for said documents certified mail. If I have any questions or need to reschedule to call them. at XXXX with my claim number. I called back and spoke to a man by the name of XXXX I asked him what the name of his company, he said they are a legal claims office and they handle claims. I asked if he was an attorney? he said no but he could get one if I would give him my social security number.I hung up.I called back the next day and I asked the name of the company I was told it was Regency Capital. I dont know who these people are

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Glasser and Glasser continue to contact my parents about an unsecured debt they are attempting to collect. They have on two occasions filed court paperwork to my parents address and on two occasions sent mail to my parents. They have my address, it has n't changed in nearly five years. I have informed Glasser and Glasser by email and fax of the proper address and asked for payment options to be sent and any other documents and they have yet to do so..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: GA

Complaint narrative:
My husband and I were victims of a loan modification scam in XX/XX/XXXX that caused us to become behind on our mortgage payments. When XXXX was made aware of this by the FBI and Civil Rights Authorities they agreed to give us an Uncontrollable Right Off stating that we did not have to pay any more mortgage payments as long as we stayed in our house but must get insurance on it and pay the property taxes each year.We did this and heard nothing from anyone and we have not receive a mortgage statement scene XX/XX/XXXX. Then XX/XX/XXXX we receive a foreclose notice from FCI Lender Services. We stopped the foreclosure by filling Chapter XXXX that was dismissed due to my husband being laid from his job. FCI Lender Services have been does not communicate with us and has again sent us a foreclosure notice postmarked on XXXX/XXXX/XXXX for XXXX/XXXX/XXXX. we believe that we are being scam again. We talked to Legal Aid and was told to hired a restate layer but we can not afford one. Our house is currently under a short sale contract and FCI Lenders have still filled for foreclosure again. They did not even give us a thirty day notice.

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 2016-10-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Waterfall Revenue Group
State: PA

Complaint narrative:
I believe this bill is for a home I owned in XXXX I sold this home in XX/XX/XXXX and the new owners are responsible for this debt. According to the statement they sent the bill was from XX/XX/XXXX {$170.00}. I have been living in XXXX. since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Company " Carter -Young INC '' is listed on my XXXX report under collection but is reflecting closed as of XX/XX/2014 reporting XXXX balance. Please remove this item as this is not reporting correctly and has caused multiple credit denials and delays with credit. Upon careful review I noticed I did not have a debt with this company ( No Contract ). It appears you are a collection company, please provide my signature of ownership of this debt that is currently listed with a balance of XXXX with a closed status. Please remove this as this is reporting false.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PINNACLE RECOVERY, INC.
State: MD

Complaint narrative:
I terminated my membership with XXXX XXXX XXXX. It refused to end the membership, claimed I still owed fees, and referred the alleged debt to Pinnacle Recovery, a debt collection agency, which has been harassing me for 2 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: MLD MORTGAGE INC
State: NJ

Complaint narrative:
I applied for a {$120000.00} fixed rate 15y mortgage with XXXX % down with The Money Store on XX/XX/XXXX. We spoke about closing XXXX/XXXX/15 but did not since the commitment was issued XX/XX/XXXX. I submitted all documents requested XXXX/XXXX/15. The contracted closing date was XXXX/XXXX/15, which they also now missed. Since submitting all my requested documents on XX/XX/XXXX, The Money Store has continued to delay the closing requesting unreasonable documents, not originally requested. Each time I submit documents, they come back with yet another request. For example, there are beneficiaries listed on my bank accounts and The Money Store demanded that I obtain a letter from the bank stating my beneficiaries can not withdraw any money from the account. Once I submitted that bank letter, then they asked that my beneficiaries sign something to the same effect. Another example is The Money Store requesting me to contact the title company I sent a wire to requesting the copy of the cashed check for the money I gave to my mother to pay the balance due on the purchase of her home XX/XX/XXXX! I have perfect credit with no debt and an annual salary of over {$100000.00}. I have plenty of cash in my Money Market account to cover the XXXX % of the purchase and to cover all closing costs, yet The Money Store continues to make these unreasonable requests delaying our closing and pushing us back beyond the contracted closing date. What rights do I have in NJ regarding this issue? The sellers of the house are looking into their legal rights since I have violated the contracted closing date due to The Money Store. I have requested an extended closing date and have yet to hear back from the sellers. The Money Store has had some management changes. I wonder if they are hoping I move onto another lender due to the benefits I reminded them about - {$1000.00} back at closing, no application fees, no commitment fees, no lender fees. Their commitment letter to me listed the fees, which is when I reminded them of the benefits listed on their own website! The loan officer said he was not aware of them and said after checking with his supervisor, it was determined I would receive those benefits at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC
State: NV

Complaint narrative:
A. I made payment arrangements with XXXX after a visit to the hospital that cost me {$660.00}. After making XXXX payments of {$37.00}, XXXX was not listing all my payments in their balance and stated I was behind. I requested an activity statement on more than ( XXXX ) occasion and none was provided. They sent my account to collections while in dispute for {$360.00}. I owed {$290.00}. 
B. They sent the account over to a collection agency that is affiliated with XXXX and began to add excessive fees and costs. They never attempted to reconcile the account even after I spoke to a collection agent on the phone and told them of my dispute. 
c. They have sent the account to XXXX XXXX XXXX XXXX in the amount of {$800.00} plus dollars according to the credit reporting. I have never received anything in writing from XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-13 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
I am trapped within XXXX payday loans and was unaware that there is a {$500.00} Max for Payday loan. The lenders did let me know that I could only have XXXX loan of {$500.00}, because of this I am unable to cover all of the loan payments. They kept wanting me to rewrite the loans and start over. I am trapped in a never ending cycle and do n't know how to overcome this situation. Please advise?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Oxford Law, LLC
State: PA

Complaint narrative:
XX/XX/XXXX Oxford law llc contacted the father of my x husband and my half brother and disclosed the amount of a debt that they claim that I owe with XXXX XXXX which I do not. They disclosed I owe {$5.00}, XX/XX/XXXX and stated they asked my half brother to help pay if off for me. This debt is not showing on my credit report. The girl that talked to my half brother was trying to get him to pay half of the debt right now over the phone. I requested a letter in writing validating this debt which I have yet to see. They are still calling other people regarding this fake debt trying to find out other information about me such as who my boyfriend is and how they can contact him about getting debt paid. I explained this is illegal and read from the credit consumers Web site and they argued with me that it is not illegal. Then XXXX put a man on the phone and he started yelling at me that they have every right to contact people to collect their money to their office. I hung up after stating I am reporting their company to the attorney general office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
I get a medical bills on my credit report who was already paid by my insurance still showing due and I start received some calls from collection agency about this debt who made some treated about this issue. I do n't have any knowledge about this issue and never received any last invoice from the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Recovery Solutions, LLC
State: TX

Complaint narrative:
Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
XXXX previous case number which stated they would call only me but again they still called my relatives.. called me at work and now i am in trouble for picking up calls the guy who spoke was XXXX. he was so rude..made fun of my accent which kind of hurt me and i lost my confidence at work after that.. he was threatening me since he called my relatives everyone knows about this debt..its kind of embarrassing now to even talk to relatives.. 

i am thinking of hiring lawyer and suing them so they understand not to ever hurt other people.. 

i want this to be published with their company name so everyone knows how much rude these debt collecting people can be they recorded me without my consent..they said they can record me even if i say no?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Select Management Resources, LLC
State: WV

Complaint narrative:
loan max in XXXX has been calling me and my finances phone two to three times a day. we told them I will be making a payment this week and the lady called me today and said she needed to know what day I was making payment. I told her I would told them this week I was going to go get my check and I told her I did n't like that they where calling me many times a day and the lady yelled at me and said you made the loan so pay it. I think it 's really disrespectful and not appropriate to talk to your customers like that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief