vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD ASTRA RECOVERY SERVICES HAVE ON MY CREDIT REPORT THAT I OWE THIS DEBT I SEND THEM VALIDATION LETTER CERTIFIED FOR THEM TO SEND ME THE INFORMATION ALL THEY SEND ME WAS SOME PRINTED PAPER THEY DID NOT SEND ME A LIST OF ITEMS THAT I REQUEST FOR VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Bank tells me my CD was redeemed in 2001, but refuses to give me any other info such as " by who '', " where '', " exact date ''. I have never redeemed this CD. This comes after the bank telling me they couldn't find any info on my account, even after, what they call, an extensive search. After my first complaint, they suddenly found info on it, but only stated it was redeemed in 2001. Any and all info on MY account should be turned over to me. I am the account holder. I keep getting told to visit local branch for more info, but the local branch keeps telling me they have no more info to give.

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 2018-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I filed a chapter XXXX bankruptcy in XXXX, which I did not include an reaffirmation for my mortgage in the bankruptcy agreement. My bankruptcy has been closed. I've been paying my mortgage over the years, but the mortgage company will not allow my mortgage payment status to report on my credit report. The mortgage company has switched hands four different times since I purchased the home in XXXX. The mortgage company I have now is telling me they need a copy of the affirmation agreement from my chapter XXXX bankruptcy. I'm unable to provide this information because I did not include a reaffirmation agreement with the bankruptcy. My mortgage is the biggest asset I have and it not reporting on my credit report has affected my credit tremendously. I'm unable to obtain credit or purchase things. Please help me. I think this is so unfair. I even spoke with my bankruptcy Lawyer who assisted with my Bankruptcy in XXXX and she suggested I contact CFPB to file this complaint. Please please help me. This mortgage company has been accepting my payments faithfully for many many years, but won't allow my payment to appear on my credit report. I think this is an injustice and something needs to be done about this as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
they deninded a modification and state it was due to title issue however again the county and everything is showing only myself on title which was done back in XX/XX/2016 when the modification was in process. I am not understanding how when everyone/everything shows only myself on title how you can denine the modification. they did not answer this question

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 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I have to inform you about what a horrible situation our Mortgage company is putting us in. 
After a bit of research, we are discovering we are not the only ones who have dealt with this in regards to Round Point Mortgage. Its been over 6 months since hurricane Irma destroyed part of our home. Our Insurance company has issued funds from our policy to start making the necessary repairs to our home so we can rebuild. But our mortgage company, Roundpoint Mortgage Servicing, is repeatedly refusing to release these funds!! They have received all necessary documents from us as well as our insurance company. We have sent the documents on numerous occasions and they continue to get lost. We have invoices with our contractor who needs to be paid for the services already performed. In addition, our home continues to sit, with no work being done, and with part of the roof missing. The damage being caused by environmental elements will continue to worsen the damage already done by the hurricane. This mortgage company is turning an already awful situation into a complete nightmare for our family and children. Can anyone offer any help or advice?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I only have one payment remaining with Tidewater XXXX. On XX/XX/XXXX I went on the Tidewater website to make my payment. Tidewater later took the funds from my bank account on XX/XX/XXXX. I received an email from XXXX XXXX advising me to contact the office immediately, that they had some payment processing issues. I responded with both my XXXX payment history, and my bank statement that matched with the payment history to Tidewater. XXXX said they cant take that they need to see a statement is needed showing a running balance and the deduction of the {$450.00} on that balance. I know for a fact that the XXXX can run a trace on my payment to see if it was returned to me or not. The funds were removed from my account as it always has the last 5 years. All of sudden on the 2nd to last payment I need to show them a bank statement. No! Im not applying for a loan through and legally they vant ask them to provide them my personal financial records. I want to know what is my final payment amount so I can complete this agreement with them and move forward. The payment I made online has a payment tracking number that they can use to track the payment. Payment Tracking Number : XXXX Payment Authorized On : XX/XX/XXXX XXXX CST

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
My car in XXXX was Fanancial by ally they call me everyday and ask for money that I dont have my car was totally in XXXX I told them that I was not able to get pay and I had full coverage and gap insurance but they call and harassing me everyday.plus they have put the car loan on my credit twice.

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 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
received letter in the mail from Convergent Outsourcing Inc, a supposed collection agency offering a reduced balance of a XXXX balance owed. 
I moved to this address not 4 months ago and have never had XXXX here or anywhere. 
I had XXXX XXXX internet without XXXX for the last 4 years but cancelled it when i moved to my new house. I verified with att and balance is {$0.00} and account is closed. the XXXX account on the scam letter is not even the same one i had with XXXX. 
The letter looks very carefully redacted and looks very official, but it is a scam. I searched online and saw dozens of other people being sent the same letter and suggesting it be reported to see if the company can be stopped from sending similar letters to less resouceful people.

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 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Account No.XXXX is wrongfully appearing on my credit file on EXPERIAN, XXXX & XXXX.They are the second collector to wrongfully pursue collection for the original collector XXXX who violated the California law regarding the IMPLIED WARRANTY statutes.XXXX also committed fraud, knowingly selling cellular service for which they had insufficient cell towers to provide adequate service. 
All three bureaus have verified through dispute this account in support of the collector trying to collect a fraudulent debt.When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone for XXXX dollars.The replaced phone had a problem with the charging port.I struggled for about a month until the phone was dead and wouldn't take a charge.I didn't want to pay another XXXX dollars to risk getting another defective phone.The service itself dropped calls and my phone was on roaming at my own home on XXXX.XXXX phone service can lose a call if the wind blows.I was being billed heavily as I had added my girlfriend on to the service.The carrier XXXX could not provide adequate service from many locations and I had two defective phones in a row.I abandoned the service and moved to another carrier.The charges to me are wrongful and unfair and illegal in my state.

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 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: FL

Complaint narrative:
Receivables Outsourcing, LLC ( ROI ) frequently places robotic calls with a pre-recorded message without permission. One instance occurred on XX/XX/2018 at XXXX XXXX from XXXX. Once you call back the people are very rude and refuse to admit to breaking the law by using pre-recorded calls without being able to get a live person on the phone. They also attempted to collect a debt that was already paid to the original debtor ( a medical bill ). ROI also was attempting to collect an amount that was more than {$500.00} over what the actual amount owed was, and I verified this by checking my account on the hospital 's website. Bullying tactics and illegal calls are part of this company 's business practices. ROI 's  mailing address is XXXX XXXX XXXX XXXX, MD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hard Inquiries on my credit report from XXXX - XXXX on XX/XX/2018 I closed credit account with a charge didn't authorized. 
Credit card closed account and removed the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
In reference to an outstanding complaint, Chase called me at work and stated that in order to share information with the 3rd party given as an authorized contact for the complaint, they would need to send paperwork to me and I would have to send it back. I suggested do not delay their response and instead respond only to me. They filed a misleading response that they could not verify authorization. 
The company can not respond because of an unauthorized third party. 

XX/XX/2018 **Hello, Thank you again for your complaint XXXX about JPMORGAN CHASE & CO.XXXX 
We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it cant respond to this complaint as it lists an unauthorized third party. ** Not only did I verify the authorized party over the phone, but my electronically signed complaint form that CFPB provided contained the authorization they claim they do not have. Chase has provided no recourse, and is using this duplicitous argument to delay responding to my complaint. I have received no request for further authorization in writing, and so can not provide proof of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of XXXX or 10 years. 

I have contacted Transunion, XXXX and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by Transunion, XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.

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 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: KS

Complaint narrative:
COMMONWEALTH Financial for {$65.00}. The collected the debt in XXXX of 2017. While checking my credit I noticed a collection agency reported me to the credit agency for having a debt. At no time did they call me or write me to inform me about this debt. The only reason why I knew about this is because I checked my credit score. I have paid off the debt immediately however this is poor practice and is hurting my score. Luckily I was trying to buy a home and find out about this down the road since they weren't making an effort to collect but just report. Once I called I was not offered any chance to dispute. Once I paid, I was notified it could take up to 45 days for it to be cleared from my credit report. I find this unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stephen Einstein & Associates, P.C.
State: NY

Complaint narrative:
I am being sued on credit card debts. Despite being notified of my current address, and mailing notice to sue to my current address, Einstein and Associates PC, located at XXXX XXXX # XXXX, XXXX XXXX, NY XXXX continues to serve these papers on my parents, grandparents, aunts and neighbors at an address in XXXX XXXX, harassing my parents and embarrassing me, while being fully aware of my address in XXXX. 
I have copies of the notice to sue with my XXXX address. They gave me the index numbers of the matters in XXXX XXXX, but to date, have not served me with papers, but continue to serve my family members with these papers, even though they have nothing to do with the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, Equifax and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX, Equifax or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a XXXX XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an XXXX of XXXX on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of 7 or 10 years. 

I have contacted XXXX, XXXX and Experian over the past XXXX years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a XXXX  XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by XXXX XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.

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 2018-03-08 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: Wallace Management Company, LLC
State: OK

Complaint narrative:
The companies are Empire Finance and XXXX XXXX XXXX XXXX XXXX I have been paid out on my loan since XXXX 2016 and it is showing on my credit report account is still open with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I was given an amount to get my house out of foreclosure that was being auctioned on XX/XX/18. They said included were all fees, attorney, interest, late fees principle etc. I paid the amount on XX/XX/18 and the auction was ceased. When I received my new monthly bill which should have been for just my monthly mortgage payment of {$890.00} they tacked on additional fees totaling {$360.00}. I asked for the quote that was given to me that totaled the reinstatement fee {$9500.00} and was told they can not send that to me even though that is what they quoted and I paid. So I asked also for the tapes from the last 3 month of the conversations between me and Mr Cooper and was told I can not have them either. If I wanted both of these things I would have to get a subpoena from the court to get the quote and tape copies. Lastly, they state they are my mortgage provider than they say they are a debt collector, which are they? 

I was in the wrong on getting back on my mortgage due to different life changing reasons, this is highway robbery that I feel they are doing to me and probably others. Any help that I can get to receive what I have asked for and to get the {$360.00} removed from my account which I really feel I do not owe. I've been charged enough and paid for it. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GREAT LAKES
State: OH

Complaint narrative:
I have like XXXX accounts showing as negitive on my credit report and I only got XXXX loans XXXX are in good standings. XXXX are negative. No one wants to help me out. I keep getting the run around when I call to get this resolved. I also did not go to school in 2014 like it says when it was open. I feel that my rights have been vilotated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation