vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: NC

Complaint narrative:
I submitted a complaint years ago on this company and was told I would be put on a cease and desist. Today PROCollect decided to call and leave a message with an attempt to collect a debt, even though I know my account had restrictions on it and it was written that it was done so by the agency themselves.

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 2020-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
The Commercial Acceptance Company contacted me on XX/XX/20 at XXXX from ( XXXX ) XXXX regarding a debt I owe to XXXX XXXX XXXX XXXX . They stated my amount of debt and that they would be able to stretch payments 12 months and that they payment each month would be XXXX dollars and some odd cents. I can not afford this amount and so I told the woman on the phone that i had been paying a debt collection agency {$20.00} a month but in around XXXX those payments stopped coming out of my account. She then asked how close i could get to paying the XXXX dollars a month and i said the {$20.00} was working for me and the best i could do. She then asked if i could do {$50.00} and i said no. She then stated she has to report me as a refusal to pay. I said okay and i hung up the phone, but i cant understand how i can be reported as a refusal to pay when i wasnt refusing to pay. I can't afford paying almost {$400.00} a month in health insurance and another {$150.00} a month on top of that to a debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
NCB for a debt regarding XXXX XXXX. They placed this on my credit report without sending me a letter allowing me to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
On the Experian credit report it say I have had an address of XXXX XXXX XXXX, XXXX MD, XXXX. 

I have never lived or had an address outside of North Dakota. So I would like this removed from my credit report and any information with this state and address also removed from my report. 

There are lots of people there with my name in common but this is not me.

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 2020-01-21 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: SD

Complaint narrative:
Credit bureaus have now decided to place accounts on my credit report that dont belong to me and never have. I previously indicated that I have Never had an account with XXXX XXXX XXXX as they have verified that as well on the two occasions I contacted that because a few months ago, the bureaus had these on my credit report, in duplicates with different account numbers so that it look like I have multiple trade lines. A few months ago, the erroneous/fraudulent account was on my credit report twice now, the account has been reported three additional times with three different account numbers. I Never had an account with XXXX XXXX XXXX. If the credit bureaus actually took the contact info they provided on the credit report when they did their so call investigation and called XXXX, they would verify just like they did for me that no such account ever existed in my name. Account number XXXX, XXXX, and XXXX as listed on the credit report are Not mine. XXXX, experiences, and XXXX XXXX have set up the online account process so that I can not even dispute their errors and XXXX XXXX has been playing that game for years. The sites dont even allow me to reset passwords and after experians site gives me my username, it tells me no such user name exists when I try to reset that password. XXXX  automated system will take all of your info including your PIN number and after you verify, it will tell you you could not be verified you have to spend ages on the phone trying to get an actual person on the line and when you do, they want you to re-verify all over again and experience phone system is worse good look trying to get an actual person. Last time I called experience, I called a corporate number because none of the other consumer numbers work they just re-route you to the same automated system over and over again and when you get an actual person from corporate on the line, they have a horrible attitude.

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 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed my Citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was assessed a {$95.00} annual fee for the 12 month period from XX/XX/XXXX - XX/XX/XXXX. Upon contacting Citi around the issue I was told the annual fee would be refunded to my account within 1-2 statements. I thus dutifully paid this annual fee as otherwise I would have been assessed a late fee.This refund never occurred. On XX/XX/XXXX I contacted Citi via phone and explained that I never received the {$95.00} refund. I was told that the refund could be expected via a check within 10 days, or by XX/XX/XXXX. 

I have spent 6+ hours in web chats and phone calls trying to sort out this situation with Citi , to no avail. As of XX/XX/XXXX I am now being told that the {$95.00} will be credited to my account on XX/XX/XXXX. Citi 's story keeps changing. I would like to be ensured that I will receive the annual fee refund, as well as be compensated for my time and the hassle. Citi should not be treating their customers in such a way.

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 monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: MS

Complaint narrative:
I have a loan through Security Financial in XXXX Alabama. I have defaulted in the payments but they have. Even harassing people that I DID NOT put on my contact list. They contacted my fience and told him I used him as a contact ( which I did not ) and that he needed to tell me that I must contact them that they were going to take legal action. They should not be able to tell people my business let alone XXXX  my name and locate people I know. They also contacted my daughters boyfriends sister and told her that again I used her as a reference ( which I did not because I do not really know her ) and that she needed to tell me to contact them. They are harassing everyone. I owe {$590.00}

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 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We were just made aware of a sale date, by a realtor, there was no letter from PHH or an attorney. The loan was transferred from Ocwen to PHH in XX/XX/XXXX. 
The mortgage payment was received by Ocwen and processed in our bank on XX/XX/XXXX the second modification payment, this payment was made with the Ocwen automated system on XX/XX/XXXX.The statement stated ( that we did not receive ) that Ocwen would stop collecting payments after XX/XX/XXXX. 
The payment was made before XX/XX/XXXX and the monies were withdrawn from the bank account on XX/XX/XXXX. None of the monies paid into this process has been returned or proof that these funds have been credited to the account. 

We did not receive any notice of transfer and finally when we were allowed into the account, of which belongs to the owner who is now deceased, and we are still trying to correct the accounts, the grandson is trying to take responsibility for this account, we can not believe that all of the same documents that was requested by Ocwen is being requested by PHH an Ocwen company.

We have submitted to Ocwen The Family Transfer Package New Homeowner Information Owner Occupancy Certification Assumption of Liability Agreement Applicant Identification Certificate Recored Property Deed transferring title from Estate of XXXX to XXXX Driver 's License Picture Proof of homeowner 's Insurance Evidence that you are a relative of the borrower Now we have submitted three modification packages to PHH with no response but another request for a Family Transfer Package, we completed all of these documents with Ocwen.

Ocwen said we had to do the Family Transfer, the assumption package and then the modification. 
While we are trying to find out what we really need to do to bring this loan current we are facing another sale date XX/XX/XXXX. 
When you call PHH all of the calls are circular We have tried to make sense of what we can do to save this family home, we have call and spoke to just to name a few XXXX, XXXX, everyone tells you something else and when you call back no one knows what you are talking about. They make appointments they do not keep. First when we were able to speak to someone in PHH, they had already closed the modification. We received mail from Ocwen who was already no longer servicing the loan? The money was taken from the bank account on XX/XX/XXXX, according to the letter that we requested concerning the change of servicing it stated that Ocwen would not accept any payments received after XX/XX/XXXX, they did receive the payment before and debited the bank account. 

Please help us save this home. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a JCPenny account, and fraudulent activity was done under that account in the year of 2019, I was never notified or sent a statement for me to realize it was fraud. I just recently received a phone call that I owed them XXXX and it would be sent to collection. I have called and gone into the store of JCPenny with no avail. I get nowhere with them I have even asked for the statements from them to see where the transactions were made but they wont release it.

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 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a notification that there was a change to my credit report. When I looked to see what the change was, it showed me that there was a payment made on an account from Pentagon Federal Credit Union. The account has been charged off and written off which shows on my credit report and has for several years. I have not made any payments on this account whatsoever. The credit limit on this account is only {$500.00} yet it claims the highest balance of {$550.00}. This is not the first time they have claimed I have made a payment that I have not made and they are claiming this account was closed at customer 's request which I did not do. Companies like to state that the debtor made a payment on the account because then it restarts the time and which they can show the account on their credit. It is called reaging and it is a violation of the FCRA and California civil code ( I have resided in California for 20 years ). I did not contact Pentagon Federal Credit Union because in my recent research, they are not registered to do business in California so I can not file a small claims against them. I have to file against them in District Court.

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 2020-01-21 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. 
Washington, D.C. XXXX Dear Madam or Sir : I am writing to file a complaint about Chase Financial. Recently, I started a new position with XXXX XXXX, of XXXX XXXX, Maryland. I am a XXXX with the XXXX in XXXX, Maryland. As such, I am required to obtain a Public Trust clearance, which requires that I undergo a security investigation. This investigation may rely on previous investigations, including Department of Defense, other Federal agencies, and other private company background investigations.

During my security clearance, I was asked about my debt with Chase Financial. This debt was charged off on XX/XX/XXXX. I received a Form 1099-C and claimed this charged off debt as income on my XXXX  Federal income taxes. 

Initially, I could not find the one paper copy of Form 1099-C that I received from Chase Financial. I called Chase Financial on  XX/XX/XXXX to obtain another copy of the Form 1009-C from XXXX. During my phone call, I was transferred from the U.S. call center to a call center in XXXX, and then transferred back to the U.S. During this phone call, I was asked to provide my Social Security Number and date of birth multiple times to prove my identity. Despite all of this information, Chase Financial was unwilling and unable to provide me with an electronic copy of my XXXX Form 1099-C. I was asked to write a letter to their home office in Delaware, provide my original Chase account number ( which I no longer have ), my  Social Security Number, and my date of birth. Their sheer intransigence and excuses in this matter were quite frustrating. I was a XXXX employee in the past, and my information was hacked during the XXXX XXXX data breach. As you can imagine, I am protective of my Personal Identifying Information ( PII ).  Given the prevalence of electronic records, Chase Financial should have been able to e-mail me an electronic copy of the XXXX Form 1099-C within 48 hours. I am furious that Chase Financial continues to avoid operating at 21st century electronic records requirements. 

If you need to speak with me, I can be contacted on my cell phone : ( XXXX ) XXXX. My email address is : XXXX, if you would prefer to use email. Thank you for your assistance. 

Sincerely, cc : Representative XXXX XXXX Senator XXXX XXXX XXXX Senator XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Asset Recovery Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2019, ASSET RECOVERY SOLUTIONS , LLC, with address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and phone number XXXX XXXX XXXX contacted me via a phone call concerning the collection of a personal loan from me, they made me to believe that they were acting in proxy of the original loan company, not knowing that this was false, I made a payment of {$300.00} to them on that day as shown below from my XXXX account of XX/XX/2019 : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX IL Card XXXX XXXX XXXX We also agreed that they will making automatic monthly deduction of {$300.00} from my account, they did not make further deduction from my account, i contacted on 2 occasions via phone call, the last was on the XX/XX/2019, they never responded to me anymore. I am being sued now by another company that actually the true owners of the loan. ASSET RECOVERY SOLUTIONS , LLC committed a fraud by extorting money from me in false pretense, I would have found and be paying off my loan and not getting sued if ASSET RECOVERY SOLUTIONS , LLC had not confused and extorted money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lending Club Corp
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, with address XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and phone number XXXX XXXX XXXX contacted me via a phone call concerning the collection of a personal loan from me, they made me to believe that they were acting in proxy of the original loan company, not knowing that this was false, I made a payment of {$300.00} to them on that day as shown below from my XXXX account of XX/XX/XXXX : XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX IL Card XXXX XXXX XXXX We also agreed that they will making automatic monthly deduction of {$300.00} from my account, they did not make further deduction from my account, i contacted on 2 occasions via phone call, the last was on the XX/XX/XXXX, they never responded to me anymore. I am being sued now by another company that actually the true owners of the loan. XXXX XXXX XXXX XXXX XXXX committed a fraud by extorting money from me in false pretense, I would have found and be paying off my loan and not getting sued if XXXX XXXX XXXX XXXX XXXX had not confused and extorted money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
I am a XXXX XXXX investment  client who is partnered with Bank of New York Mellon who provided our debit card and checking account privileges. 

Over the course of the last three weeks, I've worked within the guidelines afforded to me through the client relations team for processing the disputes/fraud claims as well with my financial advisor for these unauthorized charges to a comprised and closed debit card. I have patiently afforded XXXX XXXX and BNY Mellon it's partner to properly address this serious matter and they've done nothing but overdraw my account and restrict my monies for both my XXXX XXXX accounts as well trying to hold me responsible for debit card charges that they are still putting through as a of a few days ago on a closed card from over a month ago. This is not legal, neither does Visa and Master Card operate under these procedures or policy guidelines. 
I need someone to HELP address this immediately, they have fraudulently taken over {$3400.00} dollar from a good client that they had absolutely no complaints with. 
This entire situation is not only troubling, but disturbing in the way it's been handled, creating a relationship that is now irretrievably broken down. I simply want all my monies returned immediately, and have nothing to do with a company who handles business like this. 
" PRIME EXAMPLE '' WHO WOULD PUT A CHARGE THROUGH FOR OVER {$2000.00} no authorization and say that's legal as well continue to do it? 
Please call me immediately at XXXX, this was not handle professionally, neither was I ever followed up with. 

Unauthorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX reversed XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I XXXX XXXX applied for a modification package a year and a half ago and PHH mortgage services is tell me I no longer qualify for modification because they found a title issue. I talked to several ppl from over seas and couldn't find out what was the issue was until 3 days before XXXX. I went to the state department several times trying to figure out whats was going on. I finally found out from one of PHh representatives that USDA had a hold on that was never turned in to XXXX county but there was no liens or 2nd mortgage on the property. PHh sent me a package and asked me to reapply which I did and now the are threading to foreclose on my property or pay PHh XXXX dollars when the set my payments at the trial for XXXX dollars and every time I called PHH the would tell me they are merging and just continue making payments. I never heard from my case manager XXXX XXXX until last Friday and he stated that he has over 100 cases and he cant talk to everybody and his phone line is not working. PHH is a fraud and they are trying to take a lot of people homes. Please go on PHH reviews and you will see the are a fraud. 
XXXX XXXX XXXX XXXX XXXX

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