vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial
State: VA

Complaint narrative:
I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on  XXXX  but they said it had to be in  XXXX . Someone from  XXXX  called and blocked their # and said call  XXXX , they were with  XXXX  County and were going to serve me with papers tomorrow between  XXXX  and  XXXX  and I must have a valid government issued ID. I called  XXXX  County Court s ( Civil and Circuit ) and a sked if they had any cases with my name, they both said no. I called the  XXXX  number and asked who it was they said  XXXX , I asked why there were representing themselves as  XXXX  County and they said they were retained by Spot Loan but now the case has left their office and I better pay Spot Loan before they take further legal action. I 'm sure I have paid them way more then the original principle.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I recently received my updated credit report and there is a Collection agency named Convergent Outsourcing on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
This morning,  X/XX/17    i received a call from someone alleging to be with Barclay Bank wanting to discuss my credit cards and credit report over the phone. I refused and called back to see if this was legit. I was transferred to a credit counselor who inforamed that Barclay had cut my credit line by 50 % for no apparent reason. I have  XXXX  accounts in excellent standing and have never gone over the limit, been late missed payments or anything. My accounts have been perfectly maintained and by Barclay doing this it hurts my credit by making it appear i am using more of my credit than i actually am. I calle d 3 s eparate times asking for corporate headquarter contact information and the reps, on a recorded line, each time refused to provide me with that information. When i called up to cancel all  XXXX  accounts i was put on indefinite hold. Keep in mind these accounts have all been in excellent standing and they have acted to hurt my credit without cause.

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 2017-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I 've been trying to cash a check from Chase Bank, and the bank refuses to cash it even when the amount and approval from account holder was verified by  Branch Manager   XXXX   XXXX . This process has been going on for more than a week ; having me going back and forth.     After talking  to Branch Manager o n Friday  XX/XX/17    We went back to the bank yesterday Tuesday  XX/XX/17    and they still refuse to cash the check because  XXXX  failed to put any notes on the computer.     I called  XXXX  today she placed me on hold and never came back to the phone. I waite d 15 m in on hold and nothing happened.     I tried calling her again and again and she refuses to answer the phone.     I do n't know what kind of games they are playing here but as a result of the their lack of customer service, curtesy, and value of time. I 'm having my mother the account holder close her account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have applied for a loan modification and was denied due to " Insufficient Monthly Payment reduction '' at this time my interest rate is 6 % and I am working as a sales person and I also have rented a room out to try to make ends meet, I can start making payments but this is the answer I got, Nationstar is refusing to lower my interest rate and modify my loan so I can afford to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC
State: TN

Complaint narrative:
This seeks to resolve a longstanding issue related to escrow practices that put my mortgage in jeopardy as addressed in previous complaint #  XXXX .  XXXX  's  XXXX   XXXX  's response only restates its policies, but fails to provide the information I need to bring this account into current standing. I also continue to hold that  XXXX  's business model does not provide for the informed risk assessment necessary to have made the decision to place an escrow ( and fees ) on this account to begin with. I, having a clear majority of the property equity had the greater incentive to make a separate arrangement on the back tax amount at the time. Instead,  XXXX  sabotaged the note. That said, before I submit another payment on the belief my monthly payment will return to the normal amount of approximately {$500.00} per month including the monthly escrow payment, I need to make a very specific arrangement that again,  XXXX  's business model does everything it can to prevent or avoid. In short, the only approach  XXXX  's call centers offer is to  ( 1 ) lay er even more fees onto the account without even explain the fees that are about to be applied and without ever reaching the {$500.00} normal payment amount or  ( 2 ) to r oll all of that into a refinance through which  XXXX  would take even more fees. These are conflicts of interest that do not serve the lender Morgan Stanley and do not serve to reach the goal of returning to regular monthly payments and begin making progress against the principal again. To accomplish that I need the following information from  XXXX  :  1.  What is the total amount of payments  XXXX  has received since the escrow was placed on the account?  2. W hat would have been the total amount of payments due at the normal monthly payment amount of approximately {$370.00} after the escrow was applied and {$500.00} per month since hazard insurance was added? ( If the regular monthly payments would have been significantly higher than {$370.00} and {$500.00}, please explain why. )  3.  What is the difference between  # 1 and # 2  above, and how does that figure break down between unpaid escrow balance s ( if a ny ) and fees that have been layered into the account without ever being explained to me? Again, I seek to make an arrangement to satisfy the above to bring the monthly payment down to the regular amount of approximately {$500.00} without layering any more fees into the account.

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 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have provided documentation to citizens bank that a charge from my credit card was false. Despite several conversations with the dispute department where they acknowledged the receipt of the documentation, they failed to respond in writing and failed to resolve this issue in their allowed time.     I filed a complaint and was contacted on  XX/XX/XXXX    by  XXXX   XXXX  of citizens bank who told me he would investigate this matter and " make me whole '' Since this call I have received numerous calls from citizens ' bank dunning me for a minimum payment. I explained the situation to the first collection person and gave them  XXXX  's phone number.     This did noting as I have received several more human and robo dunning calls.     I have left several messages on  XXXX  voice mail telling him that I am being dunned and he has not returned any of my calls.     I think that such collection calls and the failure of Citizens to resolve this issue as mandated are clear violations of consumer law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Roycroft Management
State: TX

Complaint narrative:
Central Mediation Services .... I get phone calls from  XXXX  and they say they need to " serve me papers '' by  XXXX  on Wednesday  XXXX   XXXX . They started calling my work number on Monday  XXXX   XXXX . I asked them not to call my business number. She,  XXXX   XXXX  or  XXXX   XXXX , called again saying she needed to serve me. They left a message on my cell number to call  XXXX . When I call the  XXXX  number the line just beeps. When I call the  XXXX  number a difference individual answers each time, they do not say the name of the business and then are very ugly and state they do n't call and they outsource their calls and always get hung up on. I spoke with  XXXX  and  XXXX  at the  XXXX  number. My husband and I have both explained they are violating the law and can not call me at work and to serve the papers if that is what is needed. They called again on Tuesday and then today called several different people in my company stating they need to know how to go about serving me at work and they need to talk to HR and my supervisor. They called a bout 20 t imes. I asked them again to quit calling and  XXXX  stated they have the right under the FDC to call and when I asked for a supervisor I was hung up on. They would not divulge who the " outsource '' person was. At this point I am being harassed and I called The Federal Trade Commission and they stated it sounded like a scam but they can not file a complaint without a company name. This is going to cause problems for me at work. Any help you give would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
i call the credit bure au  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sect ion 6-11 of  the fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these three was in public record, Mississippi Div

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 2017-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015   ,  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 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: TX

Complaint narrative:
I 'm writing once again because once again my inquires were n't removed off my report. I did n't authorize for my credit to be ran and I want these inquires removed immediately. I feel like I 'm getting the run around and I 'm tired of it. I also placed a fraud alert on my credit because of this matter.      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX     XXXX   XXXX     XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX       XXXX   XXXX   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 2017-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report I mailed  a 609 let ter on  XXXX   XXXX ,  2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,  2017 i  issued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my 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 2017-04-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report I mailed  a 609 let ter on  XXXX   XXXX ,  2017 by  certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,  2017 i i ssued a fraud alert on my credit report so that this could not happen again. I have not heard back from experian and would like this account to be deleted from my 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 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonwealth Financial sys tem has placed  XXXX  negative items on my credit report. I 've reached out to the company several times. When I called with the account number they refused to speak with me unless I give them my social security number and date of birth.   Which will allow them to update the information. I refuse to provide the information.   This account was generated by  XXXX  Hospital. A place I 've never step foot in. They have threatened me by saying they will have me served on my job. Garnish paycheck.  O  ne representative stated I was a liar, and I need to pay the bill.    The date open is  XXXX   2016 r eported as collection  XXXX     2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Recovery Management
State: FL

Complaint narrative:
I recently received my updated credit report and there is a Collection agency named Fox collection center on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing W e received a payoff for  XXXX .   This amount included interest charged for several months.   One of the owners died and the daughter was paying the mortgage for this home and her primary residence. She stopped paying when she ran out of money.   The house was listed on  XXXX ,  XXXX  .We re ceived a contract on  XXXX   XXXX ,   XXXX  .   We are scheduled to close. There is not enough money to cover the interest that have accrued.   I have requested several times to delete the interest. The buyer is anxious to close.   Is this something you can help us with?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In  XXXX   XXXX  we received the first piece of communication, in some 4 years, fro m SLS ( S  pecialized Loan Servicing ) r egarding our second mortgage on our home, stating that we were approximately {$6000.00} in arrears, demanding payment or foreclosure proceedings would be initiated. We had diligently made every payment to this servicing company that had taken over our second mortgage, even though they refused to communicate with us since  XXXX  of  XXXX , when we had been forced to file personal bankruptcy. We made call after call to SLS to try and determine what was going on but they refused to speak with us and finally we were forced to have our bankruptcy attorney call, at which time they advised us that the loan had reach a point of re-amortization in  XXXX   XXXX , and the payment had changed from {$250.00} to {$820.00} per month. In any case we paid the arrears amount immediately and began looking to refinance our mortgage. SLS unfortunately has taken this opportunity to report erroneous negative information on our credit report and to other mortgage lenders seeking a payment history. We strongly assert that we did not receive any notice of changes to our mortgage payment leading up to the  XXXX   XXXX  change, nor did we receive a single notice of a shortage from  XXXX   XXXX  - XXXX   XXXX . I ca n't see any reason why we should be penalized when SLS clearly did not follow the law regarding a change notice, nor did they make any attempt to contact us when they saw we were making the same payment we had for the last 10 years, instead of the re-amortized payment amount.   I asked SLS today why they did not send us any notifications, and they state that they did, on  3  occasions. I am old school. I read the newspaper ever day. I read all of my mail every day. I know that it is not possible that SLS could have s ent 3 notices and I would not have seen any 1 of the m. Our phone number has been the same since we bought this house as well. We have not received a single phone call or message from SLS regarding this or any other matter. I asked if any of their communication was sent as registered mail, and of course their answer was no. We received no communication and no documentation, period.

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 2017-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On  XXXX   XXXX  I went to the website of my student loan company  (   XXXX   ) o nly to find it no longer existed. When I tried to call I could n't get through. Four days later with no news, I Googled  XXXX  Student loans and found a blog which stated that they were no longer handling student loans. After more research I found the company that has taken over my loan - Firstmark Services. I contacted them immediately through the website after creating an account with all of my information. I emailed to ask for 4 months forbearance. Instead of granting it, they began calling me repeatedly  ( 3  times before noon ). I called back, explained my situation and asked the calls to stop. They agreed to put them on hold. Two hours later I received another phone call.

Company response to consumer: Closed with explanation