vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal credit union closed my credit card account while I was on XXXX XXXX status due to my past credit history which I tried to explain has since been improving and closing my card would actually hurt my credit score. I also explained to them that Ive been making timely payments so I couldnt understand why they would decide to close my account. It saddens me that a bank thats supposed to help military and uses military as a marketing scheme is actually a lie especially when Ive been a member for years and if they actually looked past my credit score would see that ive been making timely payments to all credit cards that I own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
A debt collection company called Resurgent Capital services continues to report negatively to the credit bureau on an account that is not mine. I have sent letters, called and tried to work with this company. They are saying I owe XXXX from 2016. I continue to request from them proof or signature or application or something from this account and they refuse to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I have disputed these account entries with the credit bureaus and The XXXX XXXX alike. Per my credit report, these entries were opened with The XXXX XXXX in XX/XX/XXXX. They began reporting these entries on my credit report in XX/XX/XXXX ; however, I never received any communication from this company that they were attempting to collect this alleged debt. I have never heard of this company nor have I ever did any business with them whereby a contract was signed. By not receiving a dunning letter, this is a direct violation of my rights. How am I to dispute the validity of an account if I am never notified. Had I not retrieved a copy of my credit report recently and noticed these inaccurate, unverifiable account entries, I would not have known they existed. Upon retrieving my report, I sent a certified letter with return receipt to The XXXX XXXX requesting that they validate this debt. I received correspondence from the XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX whereby they attempted to respond to my dispute. 

Preferred Collection and Management provided copies of documents that are in violation of HIPAA as well as only reflecting a balance of XXXX which is contradictory to what they are reflecting on my credit reports. The balance for the 2 account entries are {$210.00} each ( Total {$420.00} ). How then are they saying they are verifying the account entries. THIS IS A LIE AND DECEITFUL!! Further, if XXXX XXXX XXXX XXXX XXXX has access to private information regarding the nature of the visit and exams and the facility ; where is the financial responsibility page that they should have whereby I granted permission/consent for XXXX XXXX XXXX XXXX to disclose this information? I requested a copy of all paperwork that was sent to me regarding this alleged account as well as a copy of any documents that bore my original signature. To date, to no avail. How then is this company reporting that these account entries are valid? 

I am aware that HIPAA allows for certain information to be shared with 3rd party collection agencies for the purpose of collecting a debt but NEVER does it allow them to disclose confidential information without written consent. Preferred Collection does not have this information and were negligent in their reporting this entry as well as in the information they sent. 

This company continues to blatantly violate my rights. I am requesting that this erroneous, inaccurate, unverifiable entry be DELETED from my credit reports IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Diversified Consultants located XXXX XXXX XXXX XXXX, XXXX, XXXX stating I am disputing the debt listed and I need the name and address of the original creditor ; a copy of the alleged agreement between the original creditor and me ; documentation and a complete accounting of the amount claimed to be due, including any bills or invoices sent to me as well as any relevant payment history. The letter was delivered on XX/XX/XXXX and signed. they never responded to the letter. I sent a certified letter to XXXX, XXXX  and XXXX and they never deleted it from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Dear I made a XXXX  TRANSFER request from XXXX XXXX XXXX to XXXX XXXX, XXXX on XX/XX/2018. The fund was with held at XXXX XXXX  ( XXXXXXXX XXXX- JP MORGAN CHASE , NY ). When Remittance Bank is asking for status enquiry, there was no reply from them. Even the beneficiary bank got only XXXX  message but no funds transferred to them till now. I am attaching XXXX COPY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
They call repeatedly after being told I am trying to make my payments, I am currently paying for XXXX XXXX for my family and can not afford any additional costs, contacted my ex who I am separated from and gave them information on my account such as amount owed, when account was opened, past due amount and he can not even verify the last four of my social security number. they're also repeatedly calling my ex in laws as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
As a result of hurricane Harvey in XXXX of XXXX my home was flooded. I received a FEMA check of {$93000.00} made payable to me and XXXX XXXX company. My home repairs were 100 % completed in XXXX, XXXX. XXXXXXXX XXXX home inspector approved the repairs. XXXX 's financial interest is secured and I am entitled to the return of my insurance settlement. After months of delays the Loss Draft department finally approved the disbursement of my funds on XX/XX/XXXX. On XX/XX/XXXX they rejected my claim, again. The reason given was that the amount of my insurance check is " too big '' and they were going to " delay '' disbursing my funds until the Loss Draft manager can do another " review ''. 
Trying to reason with the people at XXXXXXXX XXXX Loss Draft has been frustrating and unproductive. I need assistance in recovering my insurance settlement. I am also filing complaints with other state and federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have consistently received incorrect information from loan service officers at American Education Services, or have received contradictory information from another officer upon followup. In some cases this has caused me to incur late fees or has negatively affected my credit rating. The most recent example was in XXXX-XX/XX/2018. In XXXX I called to report hardship making my loan payment and asked what options, if any, existed to lessen the burden. After informing me that most of my options were exhausted, the officer told me that after my account was 31 days past due, I could call in and make a good faith payment, which would bring my loan current and begin a process of reduced repayment plan ( RPP ). After waiting the requisite amount of time, I called back and another officer informed me that I was not eligible for this option and the only recourse I had was repayment. Meanwhile one of my loans had been put in deferment, for an unknown reason, presumably by the first loan officer ( who told me it was not possible to defer this loan ). I pressed the second loan officer to explain why the first one had told me about the RPP. Did she give me bad info? Was she incorrect? After putting me on hold she told me that if I made a good faith payment, I could request an RPP. 

This leads me to believe that not only are AES staff oftentimes giving out wrong information, but they are purposely concealing the options that are available, hoping they can coerce people into repayment ( for example, by mentioning that if they don't repay, their credit will be negatively affected ) when in fact there are other alternatives. 

Added to their constant harassment of me and my cosigners, even when I speak to them and we agree on a repayment date, this behavior is unacceptable and there seems to be absolutely no accountability. I ask that the CFPB look into this and other complaints against American Education services and consider taking action to curtail these dishonest policies. Paying off student loans is hard enough without an organization like AES confusing the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CT

Complaint narrative:
company has responded with ... 
Thank you for submitting the requested documents. Please submit pages 1 & 2 of bank statements for XX/XX/2018 -XX/XX/2018. 

Please note we must receive the requested documents in order to have a complete package and be review for a modification. 

then they responded with another email to disreguard the previous email. I had the impression that the documents i submitted was enough to satisfy them. 
i have not heard back from them at all. 
i submitted all that they required me to submit. A hardship letter. Tax returns. income. divorce decree. And more. they had me fax all the paperwork to them. they have not responded back to me Statebridge Loss Mitigation Mailbox Loss Mitigation Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX ( p ) | ( f ) ( XXXX ) XXXX ( Toll Free ) XXXX XXXX statebridgecompany.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDWEST EQUITY MORTGAGE, LLC
State: WA

Complaint narrative:
XXXX XXXX DBA MidWest Equity LLC obtained my SSN from a third party and pulled my credit report without my consent or knowledge prior to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orions Management Group, LLC
State: MO

Complaint narrative:
Orions Management Group has contacts me everyday via cell phone and calls my employer everyday. In the past they would tell me a XXXX is coming to my job to serve me papers to sue me but I can stop it if I make a payment to an account that I am disputing. This most recent time they called me and left a voicemail that said to call them back concerning a fraudlent transaction on my credit card which the account is not a credit card account and I do not have any credit cards with fraud on it. They are using abusive tactics to get me to pay the account and I just want them to stop and the account to be deleted. They need to NEVER call my job and I have sent a letter to them asking them to stop calling me. Please help me resolve this matter. 

Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have foreclosure that took place 4 years ago and is complete. The servicer OCWEN shows the issue as current and that I am XXXX behind in payments. After contacting a mortgage company I am told it is still listed as a current debt and not in history section and causing additional stress on my score. I wish to have it properly listed in the history and not as a current debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
last week lender, Ocwen, sent emails that the only item needed was taxes ; taxes were signed and presented to Ocwen this week.Email from Ocwen said that the foreclosure would be placed on hold. Another email said that the foreclosure is NOT on hold. 

Ocwen hired their own company to foreclose. 

All kinds of calls from realtors and public calling and harassing over this foreclosure notice filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
My original loan amount ( principal ) was just over {$6000.00}. as of the year 2006. Over the course of years, I was never offered any viable alternative when I was struggling, other than forbearance. As a result, I have paid in interest, the amount of the original principal amount, and am being told that I still owe {$6000.00}. This whole experience with Navient is one that organized criminals would envy. This criminal financial instrument they use, while denying borrowers of reasonable options. - I have never defaulted on my loans, but I may soon have no choice. I took out loans for {$6000.00}. Paying up to {$18000.00} is the definition of usury. This is criminal. I should have been informed about other options, other than forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: MS

Complaint narrative:
I contacted XXXX XXXX XXXX over 30 days ago requesting validation for the alleged debt that they say I owe them. I have not received any proper validation as I requested. I also do not have any contract or have done any business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: U.S. BANCORP
State: OH

Complaint narrative:
I began the loan modification process in the Spring of XXXX. All paperwork was signed and completed and returned to U.S. Bank in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at U.S. Bank. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to U.S. Bank not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.

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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
I XXXX XXXX had a XXXX credit card and I fell back in 2016 and broke my ankle and I was out of work for a long period of time and I am now getting SSA from the government / social security and I have a company that is taking me to court for this debt. they threaten to make me pay XXXX that I do not believe I owe and I now have court paper were they are taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
The company CONNS contacts me repeatedly every day of the week including sundays. They contact several hours in the day nonstop. The company calls from several numbers even if one day late the calls come repeatedly, text messages arrive and emails all at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage 1. Does not offer total break down of all charges going into escrow account on website.

2. I received my new tax bill stating bill for my taxes for XX/XX/2018 stating they should be {$4900.00}. This would be a reduction in amount of my monthly payment. I have not received a reduction or any information regarding this new tax bill.

3. I filed for Homestead exemption and over 65 exemption which should reduce my taxes and my house payment. FM still taking out $ 660+ a month and I can not see any break down of this on the website.

4.I did not choose this company. I was forced to take because my closing mortgage company sold my account to them.

5. They dont even allow for online e-statements.

6. There is no place online to pay additional escrow amounts without attaching it to a payment. You have to call and talk to someone, give them your cc number and they then they take it out. I dont know these people and this is about as secure as a fish in the ocean, Yes, I use snail mail to mail it but I dont use checks.

6.I have sent them complaints on their email address only to receive an email stating someone would send me a letter in the mail regarding my concerns! A letter????? Why cant hey answer the email?

7. Backwards, unprofessional, disconnected to internet conveniences for customers. Numerous complaints on 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 2018-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I only have one account open with 53rd Bank and my credit report is showing that I have 2 open accounts. I've called 53rd Bank several times to have this fixed and they keep transferring me to different from customer service, to loans to collections and back to customer service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have received a debt collection from Convergent on a time barred debt that has been written off by the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC
State: NY

Complaint narrative:
I've been contacted numerous times by Accelerated Financial Solutions for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by Accelerated Financial solutions. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs. 
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.

Company response to consumer: Closed with explanation