vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX, North Dakota and Washington Federal ( Share ) A Secured Credit Credit Card with US Bank. XX/XX/XXXX ( Online ) I ' Applied for a Secured Visa for a College Apartment. The Website did not. record the Monthly Income Amount of Social Security XXXX Income, Public Assistance and Personal Income with Washington Federal. XX/XX/XXXXBy, Letter I Received Notice that, I was unable to be. Approved. XXXX XXXX, 2017 By, Phone ) I Updated my Information with XXXX XXXX of the Correct Income that should have been. or should be. recorded in Application for the Secured Credit Card. By,Phone ) I was told that, my my Information was Now Updated and Processing would take ( 2-3 ) Weeks. XX/XX/XXXXBy, ( Phone ) I was told that, the Processing was not. Submitted and a 'New ' Application Transfer must take place in a Reprocessing of Application for a Secured Credit Card.

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 2017-03-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I had   XXXX   XXXX   and  2 i nsurance companies. They should have been communicating with each other to settle the debt.

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 2017-01-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: CORELOGIC INC
State: MN

Complaint narrative:
Unauthorized inquiry and/or unknown company

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 2017-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Today marks the seventh call I 've made to my mortgage com pany - Loan Care -  in regards to my  XXXX  taxes not being distributed. Per our contract, all of my taxes are included in the lump sum mortgage payment I pay each month. I received a " delinquent notice '' from  XXXX ,  XXXX ,  XXXX   XXXX  explaining my  XXXX  taxes remained unpaid. I called  XXXX ,  XXXX ,  XXXX   XXXX  back in  XXXX , with confusion, since I understand the agreement between Loan Care and me and my husband as the owners of the property.  XXXX ,  XXXX ,  XXXX   XXXX  assured me they did not receive any payment from Loan Care ; however, they did confirm that they sent them a bill  to Loan Care [ for  our  XXXX  taxes ] back in  XXXX  of  XXXX . When I called  Loan Care c ustomer service, they did not deny they dropped the ball ( and confirmed they would get the taxes pai d (  {$3000.00}  ),  which includes the penalty and service cost. I emaile d Loan Care  again on  XXXX   XXXX ,  XXXX  and I received no resolution. I called again on  XXXX   XXXX ,  XXXX  and spoke to a  manager  named, "  XXXX  '' who assured me our taxes would be paid that day, and she would send me a confirmation email with the breakdown. That never happened, so I called the direct number  XXXX  originally provided me on  three d ifferent occasions, and I got a machine message for "  XXXX  '' (  XXXX  either lied about her name, or she pawed the responsibility on to  XXXX   ).  Nevertheless,  XXXX  nor  XXXX  have yet returned my calls. Today, yet again, I hung on the phone for ov er 15 min utes, and when I asked to speak to  XXXX ,  XXXX , another customer service rep, hung up on me. I called back AGAIN, and spoke to another customer service  manager  named,  XXXX , who advised he could n't help me. It is now  XXXX   XXXX ,  XXXX  and there is a lien threatened to be placed on our home, as the taxes still have not been paid. This is outrageous!!!!! My husband and I are the innocent party and are being treated like criminals all because of this unorganized, lying, lazy mortgage company!     Aside from the frustration for the people working there who make continuous false promises,  Loan Care has breached our contract wherein they are legally responsible for correctly distributing our tax money.       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 2017-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Numerous items such as bankruptcy and late payments more than seven years old are still appearing. All student loans are in a deferment status pending complete discharge, and I never lived at the  XXXX  address. Lastly, my identity has been stolen with reports filed with the local police department, the FTC,  Social Security Administration  and authorities in  XXXX , California. Please clear up these issues immediately and notify me upon its conclusion. A copy of this document is being forwarded to the FTC.

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 2017-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Receivable Management Group, Inc. (GA)
State: SC

Complaint narrative:
I never received any bills from this agency to be able to pay this debt. I had no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: NCC Business Services, Inc.
State: NY

Complaint narrative:
Collecting dept that I do not have knowledge of never receive a letter or phone call for this company I just now saw them on My credit report do n't have any knowledge with this

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 2017-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I do n't know them it 's 7 years ago I do n't know what  to du

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I paid my late payments with  XXXX  and the  XXXX   XXXX  took it off my collections account but the equifax still has it on theres and it 's been over a year and still has not been taken off, and with that being in there it 's affecting my credit background checks for my job I am applying for so I need it off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
O n   XXXX   XXXX  , 2015 I  was approved for a auto loan through a subprime len der (   XXXX   XXXX   XXXX   ).  I excepted the terms and paid the {$20000.00} debt off a year later. On    XXXX   XXXX  , 2015 s omeone had my information a fraudulently got approved for another auto loan with  XXXX   XXXX   XXXX  out of California. I 've disputed this item of which I did not authorize with Eq uifax Information Services LLC  and  XXXX   XXXX . They have both refused to make corrections and delete this account. I 've filed a police report and did everything that both companies asked of me and it 's still on my credit. As a result my credit score is down  XXXX  points and I 've been denied a mortgage. I ask that further measure 's be taking and that this account is removed as well as my score to go back up to a  XXXX  score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
This debt was  discharged  on  XXXX / XXXX /   2017  after  Simons Credit agenc y could not validate the debt. However, they have resubmitted the account to my credit report after deleting it days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
This is a formal complaint and request for an immediate cancellation of the schedule foreclosure sale date on my property. I am asking for your protection intervention and investigation on this egregious matter. XXXX mortgage C/O PHH Mortgage services have acted in bad faith, every time I have submitted a Loan Modification Application I have been given notice of sale notices and I have been told that my application will not be reviewed. These fake debt collectors, have not verified with my consumer request and validation notice file with the XXXX county clerk 's Office on XXXX XXXX, 2016. XXXX mortgage C/O PHH Mortgage services failed to validate the alleged debt with the original creditors with true and certify signed original contract, and through audit certification of debt entry in accordance with XXXX, and XXXX. Not to mentioned that the debt was paid in full once the 60 days of default of payment The PMI paid the total balance, and in each assignment of mortgage thereafter money was being circulating supported of my signature, also with the government plan bail out ... .which supposedly was design to help home owners ... ... and XXXX mortgage C/O PHH Mortgage services after all this monies received on my signature wants to sell my home??? Outrageous PLEASE HELP ME STOP THE SALE OF MY HOME!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Ba nk of America  refused to issue a fraud charge against  XXXX   XXXX   XXXX   XXXX , Massachusetts.   XXXX   performed unathorized and unnecessary services on my  XXXX   XXXX . In addition they damaged the rims to the extent they had to be replaced. The tires they applied where inferior and they were replaced with the proper ones.   I am demanding a credit to  XXXX  on Bank  of America  for {$1700.00}. and {$1400.00}. for the rims/tires that were replaced.   Bank o f America ke eps sending me copies from  XXXX   XXXX   XXXX   XXXX  that were doctored/forged. No originals were ever given to be.   I demand Bank  of America Regulatory Complaints cease harassin g 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 explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2016, I was on vacation in Florida with my family. We were pressed beyond measure by XXXX to buy a timeshare. We yielded to the pressure and signed a contract of purchase. However, when we got home, we realized that we made a poor choice which we ca n't afford. We call back to XXXX to cancel it and was informed on XX/XX/2016 that they can not cancel it until we retain a lawyer. I immediately got a lawyer who has written who has written them 2 letters ( one dated XX/XX/2016 and the other dated XX/XX/2016 ). They replied on XX/XX/2016 with the readiness to void the contract. However, Comenity Bank used by XXXX went ahead to place a record on my credit report that has affected my credit markedly and has deprived me of the ability to get a loan for business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: United Student Aid (USA) Funds
State: IN

Complaint narrative:
I have time periods on my credit report where this student loan is being reported as late. I 've never been late on payments and recently paid it off. When I was not actively making payments, I was in deferment. I contac ted USA Funds to resolve the issue and have yet to receive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Good afternoon, Dear Credit Bureau Government Agent. How are you? I 'm sorry to bother you with my complaint. I was checking my credit report and saw couple of XXXX Inquiries that I never applied to, or even used their service. This is my second complaint about a different hard inquiry that I saw my credit report. I 'm just a student, and i never applied to this company. It 's called " XXXX Credit Card Cos. XXXX I wrote to them to remove the hard inquiry and asked, how and why they have my information. They would n't respond to me at all. Please help me to get this hard Inquiry removed. Fair solution is to remove this from my credit report. Since i havent ever used their service, nor did I try to apply for it! It 's improper use of my information. How could they use my information? Is n't illegal to use someone 's information without their knowledge? Thank you for listening to me and have a pleasant day dear Government Agent. Thank you.

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 2017-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Client was XXXX he is a veteran, while XXXX payments were being automatically withdrawn by his mortgage company. He all of a sudden received a letter saying his loan was going to be foreclosed due to non-payment. He was still XXXX did n't have the resources or time to fight this issue so filed bankruptcy to save his home. He was paying additional to the loan, but still has a delinquent amount of over {$22000.00}. He has been trying to work with his mortgage company but then his loan was transferred, so he continued to try and work with the new mortgage company. They both keep sending him back and forth to get one to investigate and fix the issue, but neither are looking into it and do n't see a problem and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CT

Complaint narrative:
In   XXXX   I went to the hospital near where I live in  XXXX  Connecticut I sat there for two hours they did nothing for me I left that hospital proceeded to go to another hospital where I actually receive treatment they claim I owe them {$85.00} for taking my name I am not going to pay it I am getting harassing calls all day long every single day the phone numbers come up with different names different states today 's came up as  XXXX   XXXX  I 've repeatedly told him I will not be paying this and they continue to harass me everyday everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation
State: TX

Complaint narrative:
I filed a report on    XXXX    to the FTC after received first letter from TRS Recovery Service s , Inc.  and had called the number provided on the letter. My FTC Ref # was  XXXX . I have received no follow up from FTC, and was s ent another letter from TRS Recovery Services , Inc. on  XX/XX/XXXX .   I k now this claim that I wrote a check to "  XXXX  No.  XXXX  '' is false. They are demanding I pay  XXXX  and try to direct to a website, www.firstdata.com/trs to provide personal information in order to dispute or have them draft funds from my account. I did not provided personal information or go to their website.     Today I received a phone call that is a scam claiming to be from the  US Federal Grants Dept.      i have verified my number is on the  Do  Not Call  Registry sinc e  XXXX , and I am a member of  XXXX  since  XXXX . Why do I keep getting these misleading and threatening communications?     Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: Winona Holdings, Inc.
State: LA

Complaint narrative:
Had an agreement with CheckCare Systems in  XXXX   XXXX   GA. F or a $  XXXX  /month f ee they would guarantee payment of any NSF check writte n to my  business as long as I had the proper information recorded on the check and it was {$100.00} or less. We also had an agreement if they were able to collect on checks that did n't meet those criteria they would pay me for them if they were able to collect them.They were supposed to issue me monthly checks along with reports showing which checks they received from my business. My bank automatically sent all my returned checks to CheckCare Systems for collection. They stopped sending me the money they collected on my behalf so I told them to stop drafting my account the $  XXXX  /month  service fee until they paid me what they owed me. In  XXXX  of    2016 I  spoke to  XXXX   XXXX  who said he was  a manager th ere and told him to deduct the monthly service fees from what I was owed and send me the money they owed me. He said he would do that. Since out conversation in  XXXX  of    2016 I  receiv ed 1 p ayment from CheckCare Systems for {$70.00} I believe it was. They currently owe me over over {$1000.00} and refuse to pay me. I know they owe me {$600.00} for a check {$300.00} for another check and {$70.00} for another. These are checks I collected on at my business from the customers who wrote me NSF checks that CheckCare Systems later electronically swiped from their accounts. In each of those cases I reimbursed my customers the money they paid me because they were charged twice once by me and once by CheckCare Systems. For their collection efforts they change me $  XXXX  /month  and charge the customers a collection fee. I sent them a certified letter demanding all the money they owed me along with all the NSF checks they were holding for m y business that they were unable to collect on. I 've made many phone calls to without success and I hope you can hel p me settle this matter.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
I was   XXXX   XXXX   XXXX   requiring  XXXX  back in  XXXX    XXXX  , and I was brought to the   XXXX   XXXX   XXXX  Hospital   where I received the  XXXX . The de bt attempting to be collected by thi s Collection Agency in Athens was alread paid for immm ediately at the time of the incident through workers compensation at    XXXX   XXXX   XXXX    in   XXXX   XXXX  , Georgia. I do not believe I owe a debt that has been on my account for several years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: PMMC and Associates, LLC
State: VA

Complaint narrative:
On  XXXX   XXXX  I signed up with   XXXX   XXXX   XXXX   or  PMMC and Associates LLC in or der to have them help me consolidate my student loans with the   XXXX   XXXX   XXXX  . They asked me to pay {$900.00} to simply fill out my application and submit it. I paid {$120.00} at that time and set up a payment plan to pay the rest of the fee in installments over the next 4 months on  XXXX   XXXX . I was told that I would be able to cancel my agreement with the company if the consolidation went through and I was unsatisfied with my monthly payment. I provided    XXXX   XXXX   XXXX   / PMMC and Associates wit h all of the personal information they asked for on  XXXX   XXXX . I received information from   XXXX   and spoke to them on  XXXX   XXXX  they informed me that they had received my application but not my income information from  PMMC and Ass ociates which I had sent to them on  XXXX   XXXX . I called  PMMC to inquire   about this and was instructed that the documentation had been sent and they did n't know why  XXXX  had not received it they said they would resend this documentation. I called  XXXX  on  XXXX   XXXX  and was informed that they still had yet to receive my income information to from  PMMC and Associates.   On   XXXX   XXXX   I emailed PMMC/  XXXX   XXXX   XXXX   my intention of cancelling my service with their company because they had failed to ensure that all necessary and personal documentation was received by  XXXX  as of   XXXX   XXXX     XXXX   XXXX   I called    XXXX   XXXX   XXXX   and req uested a cancellation of service and a stop to all future payments there forth. A representative named  XXXX  who identified himself as the head of their processing department responded that they would not cancel my service or refund any of my payments and that if I stopped any future payment with them that they would send my account to collections.  PMMC and Associates/  XXXX   XXXX   XXXX   Charged me {$900.00} for a service that was not fully provided, and informed me that they would send my account into  collections when I tried to cancel service with them.

Company response to consumer: Closed with explanation