vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc.
State: NC

Complaint narrative:
I was contacted on XX/XX/XXXX by XXXX XXXX regarding XXXX XXXXXXXX XXXX. The debt collector stated that I owed XXXX to XXXX XXXX for exclusion work that was contracted on XXXX XXXX ; however, this debt is not valid since XXXX XXXX exclustion never preformed the work. I took off work on XX/XX/XXXX because that was the day the exclusion work was to be done. The company was a no call/no show. I called the company the following day to express my displeasure with lack of professionalism. They explained to me that an employee had quit and that they were down a truck, and therefore unable to complete my service. I informed them due to the lack of communication, no call/no show, to cancel my contract since I lost confidence in their business as a consumer. Friday XX/XX/XXXX, the company charged my credit card for services not render. I contacted XXXX XXXXXXXX XXXX, and was told the charges would be reversed. I contacted XXXX my credit card to dispute the charges as well. Now, almost a year and half later I a get a calls and letter from a credit debt collector trying to collect on a debt that is not valid.

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 2017-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have received no help from my services center ; nothing but lies, I asked for a forbearance during the disaster of hurricane Irma and was told I was on one : now I attempt to reach them for 2 weeks requesting a call back via IVR but no response To ask for an extension due to my home is still damage due to the impact This has been the most horrible experience I need help

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 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT COLLECTION SERVI( #XXXX ( XXXX XXXX XXXX XXXX, MA XXXX, (XXXX) XXXX) Placed for collection: XX/XX/XXXX Balance: $XXXX Pay Status: >In Collection< Responsibility: Individual Account Date Updated: XX/XX/XXXX
Account Type: Open Account Original Amount: $XXXX Loan Type: COLLECTION AGENCY/ ATTORNEY Original Creditor: XXXX XXXX XXXX XXXX
(Insurance) Past Due: >$XXXX< Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX, I tried to open an account at a local bank for personal use. The bank clerk notified me that there was a profile already created with my SSN. The personal information associated to my SSN was not me nor anyone I knew. The clerk advised me to get a credit monitoring service in case this unknown person tries to use my information in a negative manner. 

In a panic, I sign up for Equifax ID Patrol Premier which is a Comprehensive Identity Threat Protection and Credit Monitoring service. The service is a monthly subscription of {$19.00}. My first payment was XX/XX/XXXX of {$19.00}. 

In XX/XX/XXXX, Equifax informed the nation that millions of consumers ' personal information was breached by hackers between XX/XX/XXXX and XX/XX/XXXX. They later admitted the number of affected consumers had increased. 

As instructed by Equifax, I went to their website to find out if I was affected by the breach. The website stated that I was possibly affected by the incident. I signed up for free credit monitoring service offered to affected consumers. A few weeks later, I was notified by Equifax that I would receive the XXXX XXXX XXXX  service for free for a year. 

Due to medical issues, I did not contact Equifax to inquire about my current monthly subscription for the ID Patrol Premier service until XX/XX/XXXX. I explained my situation to the first Equifax representative and asked her to explain the difference between the two services. After her explanation the services sounded very similar. I requested to cancel my monthly subscription and she did. I then asked her if I would be reimbursed for the previous months because 1 ) The country was receiving the same service for free while I was paying $ XXXX/month. Equifax did not notify their paid customers to ask if they wanted to continue this paid service. 2 ) When I came to Equifax to safeguard my information in XX/XX/XXXX, it was being hacked due to Equifax 's failure to fix known vulnerabilities with their IT systems.

The 1st representative could not help me with the reimbursement and transferred me to second representative. The second representative could not help me so I requested to speak with a supervisor. The supervisor said that it is company policy that a reimbursement can not be done on a monthly subscription. I stated that this is a special circumstance since the data breach should be an exception to this long standing policy. 

After asking to speak to someone that can assist me, she said there is no one higher than her and offered to provide the HQ mailing address to submit an inquiry. I declined the address and requested her name and badge information. Her name is XXXX, Badge #  XXXX, Nevada Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Signed up for XXXX cable TV and internet services on XXXX/XXXX/XXXX. We were quoted a price with a no fee cancellation if cancelled within 30 days. When we receive the first bill, the bill was not what was quoted to my wife and I over the phone. As a result we called XXXX and they were unwilling to resolve our issue. As a result, we cancelled both TV and internet service with in the first 30 days. All equipment was returned within after 28 days. The equipment was returned on XXXX/XXXX/XXXX. to the store at the XXXX XXXX in XXXX CA. XXXX has been attempting to collect {$110.00}. These fees are not owed. Now within less the 90  days, XXXX turned this account over to a debt collection company saying that the account was delinquent. Nothing is owed on this account. I attempted to call XXXX with no success. The overall sales process was fraudulent as not everything was disclosed at the time of sale. When both my wife and I were present and asked questions, noting was every mentioned about extra fees.

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 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
My mortgage documents specify that a late fee may only be assessed if a payment is received 15 days or more after the due date. My mortgage loan servicer, LoanCare ( NMLS # 2916 ), charged me a late fee of {$10.00} for making my payment due XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. LoanCare attempts to disguise this practice by labeling their late fee a " draft fee ''. No " draft fee '' is charged if a payment is received within 4 days of the due date, a {$5.00} " draft fee '' is charged if a payment is received 5-9 days after the due date, and a {$10.00} " draft fee '' is charged if a payment is received 10 or more days after the due date ( or some similar progressive penalty structure ). The only reasonable explanation for the structure of these " draft fees '' is to penalize consumers for making payments after the due date, with the penalty increasing as more time passes. In other words, the '' draft fee '' is a de facto late fee that violates the contractual terms of my mortgage loan.

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 2017-12-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Solutions, LLC
State: CO

Complaint narrative:
I missed a call from a number originating from my home state. Caller did not leave any information at all. I tried to call number back and was put on hold by an automated message system that did not identify itself, company, or purpose of the call. A representative then answered and was extremely hostile. I was trying to find out what this call was specifically about. The caller then started to tell me about some Loan debt, to which I replied I am already being garnished and that I had spoken with another student loan company about making payment arrangements for the remaining loans. The loan ( s ) that this representative spoke about was unknown by me. The caller was becoming verbally hostile and I was only trying to hear more information about these mysterious loans that were under me. The caller then started to tell me about my " poor life choices '' and that I needed to pay these loans immediately. I asked repeatedly to be sent a " Letter of proof '' of these loans. The caller then rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
so i deposed my paycheck every Friday for working full time my check bounce and it closed my accounts my paychecks are legit the banks there i see here are paid i just want all this off my record

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAM National Arbitration and Mediation
State: TN

Complaint narrative:
I received a letter XXXX XXXX, 2017 regarding intention to file a lawsuit about a payday loan debt that I have no knowledge of and do not owe. I disregarded the letter because it appeared to be a scam. There was a company but no signatures or any legal information or debt verification. I did however contact the company by phone and asked for specifics. I was not given any information and the individual was rude and very threatening about suing me if I didnt pay {$510.00} out of {$900.00} they said was owed. I was contacted again by text XX/XX/2017 stating legal documents were to be served and I needed to get in touch with them. When I contacted the number to let them know they had inaccurate information the person on the phone was very rude and would not provide anyone I could talk to above them. I do not know whatever this debt is. I have been a victim of identity theft in the past and I have evidence and report number. I do not want this company to harass me any longer

Company response to consumer: Untimely response
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/ 2017 I applied for a ( Best Buy ) credit card and the application came back as declined because the system was down and overloaded, five days later I received a letter in the mail w/my Best Buy credit card, saying that my ( Best Buy ) credit application have been approved, but i notice it left a hard inquiry on my credit report. Best Buy, tv & electronic! Thanks you, ,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 2017-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc
State: NY

Complaint narrative:
Almost everyday few phone calls looking for someone I do not know. I have never deal with this company, i had no busniss with them, and they call looking for someone else. I have the same phone number for about XXXX years.I Asked them to remove my number from the system several times. But the harassment never stopped

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
The bank continues to send me notices, in which, they include the mini Miranda disclosure making them collection attempts. These letters state that they need my XXXX XXXX insurance policy. I had called them several months ago and gave them the number and information to call the condominium association. Being the absurdly horrible bank that they are, they have n't done this. I live in a condominium with well over 100 units, so I 'm sure they could cross reference with other mortgages at my address or they could contact the condominium association as I had directed them in the past. If these letters continue, I will pursue legal action against M & T bank for the time I have spent on this matter as well as attorney fees and applicable damages. It 's particularly interesting that no other bank that has owned my mortgage in the past ( there have been many ) has ever made this request. It further speaks to M & T 's incompetence, laziness and disregard for their customers time. 

Please let this clown show of a bank know they can reach my condominium association with the information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX & XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX

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 2017-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This company IQ Data International keeps calling me and I have advised them I was in dispute, the representative XXXX was very rude threatening me and demanding I send her information to her managers email will driving. Advised her I was driving and she told me send it anyway. She began threatening me saying Im moving forward with actions against you. Very rude, I called and spoke to manager and she was just as rude. This happen on XX/XX/XXXX. @ XXXX. She has been calling me over and over for about hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Hello, Thank you in advance for hearing my complaint. 

I am 2 years in application for mortgage assistance with " Keep Your Home California '' and " XXXX XXXX XXXX, XXXX ''. 

What started as a few months delinquent has now become 2 years in arrears. Due to delays with processing and changes in equity value I 've been encouraged to re-apply over and over again. Wasting time and increasing my arrears to currently over {$70000.00}. 

Now while still awaiting final decision regarding XXXX assistance, my lender, ( SLS ), has moved forward with Trustee Sale. I now have a sale date of XXXX/XXXX/XXXX and it 's escalated my situation into forcing me to sell my home to avoid loss of existing equity. ( potentially approximately {$200000.00} ). 

I was told that a sale date would not be set until the XXXX decision was finalized. 

Any information and assistance in pursuing this matter and saving my home is greatly appreciated.

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 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A credit of nearly {$200.00} exists on my credit card. Consequently a refund has been requested. XXXX id # XXXX was asked to send the refund to the same address, the only address, they have on file which is the address where they send my billing statement. The employee refused to send my refund although she had my account available with my address in plain view. 
Verbalizing my address in public is unreasonable especially when the employee has it in plain view. 
I was told that Capital One would not send me my money. 
This seems to be an excuse to hold onto money that doesnt belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I would like to first point out XXXX XXXX  XXXX does not own my mortgage XXXX XXXX XXXX is the owner. My mortgage has not been sold to XXXX XXXX XXXX. Thus, said XXXX should be reporting the original debt in the same format as XXXX XXXX XXXX in the attachments provided. XXXX XXXX XXXX 's reported to Transunion, the first date of delinquency reported in XXXX. Therefore, since XXXX is not the owner of the debt just the collection agency this should be reported in the same manner. 

XXXX is attempting to restart the debt by reporting the first date of delinquency asXXXX, without including historical data. I have reached out to Transunion almost one month ago regarding the reporting of XXXX XXXX XXXX on my credit report. The representative explained that Transunion reports what the creditor send over in the file and I should dispute all inaccuracies, which I did via fax on XXXX/XXXX/XXXX. The response from Transunion was an update of XXXX status on my credit report without updated the historical data. Based on my credit report from Transunion dates XXXX/XXXX/XXXX XXXX XXXX XXXX was due to be deleted from my report on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NV

Complaint narrative:
3 fraudant charges on my US Bank credit card. All posted on XX/XX/XXXX in the amounts of {$99.00}, XXXX, and XXXX. The charges stemmed from a 2 different XXXX gas stations, that we do not even patronize. 

A call was made to US Bank on XX/XX/XXXX to report the fraud. I was told a claim was made and that it would be taken care of. 

After 2 weeks, no communication has been received from the bank regarding the claim. The charges were still posted to my account. I called and spoke to a supervisor, and was told : 1st, that the claim had been researched and denied. Than transferred to a supervior that said she would resolve the issue, making sure the account was credited back for the charges. 

Now 4 weeks later, I called again to see what the problem was with crediting the account. Spoke to another supervisor and was again assured that I was not responsible for any fraud on my account and that he would make sure it did not " fall thru the cracks '' again. 

It has now been a month since the charges were placed on my account and I still have not been credited back for those charges.

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 2017-12-13 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: CT

Complaint narrative:
I disputed my credit report with experian. I realized that I was a victim of identity theft and disputed accounts listed that were not authorized by me to them. Experian has refused to remove a fraudulent account that was listed on my report after sending verifying information showing that the account did not belong to me. I tried again disputing this fraudulent account and they have told me that I am no longer authorized to dispute this account because it was verified by the company. I contacted XXXX XXXX on XX/XX/2017 and spoke with a supervisor named XXXX and he conducted a search and nothing came up using my social or name. I was asked to fax over information ( social, utility bill and DL ) the company used this information to update this fraudulent 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 non-monetary relief