vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 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: ProCollect, Inc.
State: TX

Complaint narrative:
sent ftc and hippo violation to XXXX taking more than 30 days

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 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Throughout XX/XX/XXXX I received three supplemental tax bills from XXXX XXXX County. Shorlty after I received these bills I called to provide the information associated with the bill in order to make sure it would get paid. This was on XX/XX/XXXX. When calling the associate took down the specific tax information and assured me that PennyMac will take care of the payments through my escrow account. 

On XX/XX/XXXX I received written correspondence from XXXX XXXX County indicating that the payments were not made and that penalties have been assessed. On XX/XX/XXXX, I notified PennyMac about the problem and sent them copies of the notices. 

On XX/XX/XXXX PennyMac responded to my concerns by stating they are not responsible for supplemental bills nor would they pay the penalty unless I notified them. I responded by stating that I did notify them per my original complaint to them and that they should take action immediately along with covering the penalty costs. 

On XX/XX/XXXX I received a message from PennyMac saying they would take care of the payments. They said I should wait 14 business days before checking. It is now beyond 14 business days and they still have not taken action. One of  my bills has a due date of XX/XX/XXXX. which is now past. As such, additional penalties have now been assessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
I feel behind on my mortgage payment due to medical issues, I am a disabeled XXXX  war vet and tried to pay and catch up and tried to make arrangements, they told me i was already in forclosure and sent me a check in the amount of {$1000.00} check is dated XX/XX/2017 check number is XXXX and refused to take any of my payments any more, i tried to set up an automatic draft from my checking account and they refused that unless i was to pay amount in full. 
I recieved a notice in the mail stateing they are filling for chapter XXXX bankruptcy and a statemeant, i called them and asked for a pay off of my loan, they would not give it to me, then they told me i would have to call an XXXX XXXX XXXX XXXX XXXX   out of XXXX XXXX NM XXXX XXXX XXXX i called them and they stated that they where getting several calls and that ditech was not there client. i called back and spoke to diffrent rep, and asked for pay off and they said they could not give it to me and it would take 15 days, i called today and requested a pay off amount again and they refused to give it to me, i asked to speak to a manger they kept me on hold and finally tranfred me to ext XXXX i asked for a pay off and they refused to give it to me, i then asked who is your regulator they said they didnt know what that is, then they tell me CFPB, i asked for number and they told me to XXXX it, i then told them i have no internet, and they asked me what that stood for, so i replied to your spell the meaning out and they would not respond, nor give me the number at all. then they put me on hold and told me to call XXXX XXXX XXXX in XXXX XXXX. and said call XXXX XXXX XXXX and hung up. 
I called the number and it is a law firm dont know name but is in XXXX nm, i said i like to offer XXXX to pay off ditech of my note and be done with them and them with me, to be paid XX/XX/XXXX i am tired of the run around and refusual, at the time of speaking with them i didnt remember the check that they returned, so i like to minus my offer from XXXX to XXXX to pay off my mortgage and get title to my home to be paid XX/XX/XXXX. They refuse payment, charge intreast, and still have my money of XXXX and i sure they earned intrest and if i charged them intreast daily on that they would reduce the amount owed to them by that. they give people the run around and drag things on and rude, legal way of stealing from people, and cause people stress, companys like this shouldnt be allowed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: FL

Complaint narrative:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. I NEVER HAD XXXX AND I WANT THIS ACCOUNT TO BE REMOVED OFF MY CREDIT FILE.

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 2019-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The FDIC closed Washington Mutual Bank. 

I needed to stop paying my Washington Mutual Bank loan because of the halting of federal dollars for highway design engineering projects. I am a civil/highway engineer. 

I am NJ XXXX XXXX. My case was dismissed. 

The writ of execution was issued by the US courts sending my foreclosure into a Sheriff 's sale. 


My home was sold at a Sheriff 's sale to a third party. The Writ of Possession for the Sheriff 's deed was returned unexecuted. 


The XXXX County Clerk 's office in New Jersey filed the Sheriff 's deed. The property was sold for a profit. 


XXXXXXXX XXXX  executed a XXXX XXXX XXXX mortgage on a property where the Writ of Possession was returned unexecuted. The XXXX County Clerk 's office in New Jersey filed the new property deed and the XXXX XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent letters to Equifax to correct my personal information and called them as well. The information on my credit report that needs to be corrected is my date of birth XX/XX/XXXX my address is XXXX XXXX XXXX XXXX XXXX, MI. XXXX This is not my previous address of XXXX XXXX XXXX. XXXX . XXXX XXXX, MI. XXXX. The last four digits of my social security number is XXXX not XXXX my phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This letter is an explanation of the collection item list under XXXX XXXX XXXX, XXXX. I signed a rental lease for my son under the pretense that I would ONLY guarantee his portion of the rent. I stated this in writing on the lease, I spoke with the property manager about this on multiple occasions and it is stated that each person had to provide a guarantor. On the final conversation with the property manager, he assured me that all three of the individuals residing there would need their on guarantor. Nothing further was provided to me outside of a copy of my sons form and my form.

My son and his roommates did not pay for approximately the last two months. The other roommates abandoned him there refusing to pay rent or utilities. Once he could no longer keep the electricity on, he too was forced to leave the rental. He was homeless for a period of time without our knowledge of what in fact took place. 
Approximately within a years time, I attempted to contact the management company to resolve my sons portion of the rent. I was told that the account had been transferred to a collection agency. I contacted them and discussed the matter and made an attempt to resolve my sons portion of the rent which is approximately {$600.00}. Adamantly they refused to settle or accept my offer. 
Over the course of the past 3 years, I have made several attempts to resolve this matter but the collections agency states that I am solely responsible regardless of what is stated and the verbal arrangements I made. I have offered to pay {$600.00} on multiple occasions to no avail. They have even stated that I need to provide contact information for the other gentlemen. I do not know these individuals and have no means of locating them outside of what was provided on their lease ( that was given to me by the collection agency ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was denied a signup bonus ( XXXX points ) for a new American Express Platinum account. I was denied on the grounds that I already had the card, but I have never actually had it. I had a different variant ( XXXX ) for two years but this is a different card with a different product name. 

Further, American Express never told me I wasn't eligible on sign-up. Usually, the company notifies me with a pop-up window.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: MN

Complaint narrative:
I applied for a review of my income-driven repayment program XXXX. I received a letter dated XX/XX/XXXX sating there was missing paperwork. I mailed the proper documents that month. My credit score dropped 83 points in XXXX. XXXX XXXX claims the approval process for the IDR repayment program takes weeks and the company reported neg during the process. I asked why wasn't the IDR program started in XXXX instead of XX/XX/XXXX or at least when my paperwork was submitted to no answer. The loan is now in forbearance as it should have been until the IDR repayment program started instead reporting neg. I have disputed the reporting status looking regain the 83 point lost on my credit reporting angecies and XXXX XXXX should report the proper status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to the below creditor company to dispute a fraudulent charge of {$70.00} on my closed XXXX XXXX Store Credit Card account : Creditor Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I did not make this charge. I requested the above creditor, SYNCB/XXXX, that the charge to be removed from my credit report, that any finance and other charges related to the fraudulent amount be corrected to the amount paid of {$23.00}, as well, and that I receive an accurate statement. Additionally, I closed my XXXX XXXX account as of XX/XX/XXXX. My XXXX XXXX account has been INACTIVE and CLOSED since the end of XX/XX/XXXX to present day. 

I sent XXXX letters with the below documentation to SYNCB/XXXX with USPS tracking ID, but did not get any response from SYNCB/XXXX. I tried calling, but representatives did not provide a valid case ID to followup. The company remains inactive about my case. 

Enclosed are copies I sent to SYNCB/XXXX supporting my position. 
Item 1.1 : Picture evidence of a check I wrote on XX/XX/XXXX to the amount of {$23.00} and sent via mail from XXXX XXXX, XXXX XXXX XXXX, # XXXX, New York, NY XXXX to the following address XXXX XXXX Visa/SyncB, XXXX XXXX XXXX XXXX, FL XXXX Item 1.2 Picture evidence of the bill of my XXXX XXXX Visa bill of {$23.00} purchase on XX/XX/XXXX with the following information Reference number : XXXX Description of Transaction or Credit : Old XXXX XXXX XXXX XXXX XXXX NC Apparel/Accessories Womens Active Active Bottoms Fees : {$0.00} Total Fees for this Period : {$0.00} Item 1.3 Continuing picture evidence of my bill Item 1.4 Continuing picture evidence of my mailed check of {$23.00} to the following address XXXX  XXXX Visa/SyncB,  XXXX XXXX XXXX XXXX XXXX FL XXXX Item 1.5 Screenshot from my XXXX on the day ( XX/XX/XXXX XXXX XXXX EST ) that Items 1.1-1.4 were photographed for accuracy and quality assurance purposes.

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 2019-04-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
one XXXX XXXX account ( student loan ) has been reporting under my equifax credit file, which doesn't belong tome, i have never went to school here let alone getting a student loan nor i have been helping someone or authorized someone else in order to inquire this loan, please help me to have this inaccurate account removed from equifax credit reporting. they have been running me around and even the XXXX XXXX does not have this account under my name, please help me to have mistake through their end removed thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a Garnishment Letter from my employer that a Judgement had been made against me and that I owed {$900.00}. The letter stated that my income would be garnished and any correspondence in regards to the matter needed to be addressed to the clerk of court. The problem is I had already received a garnishment of my wages in regards to this debt in XX/XX/2009 or earlier and have paid in an excess of {$800.00} which was deducted from my wages. The garnishment ended and I gathered the debt was paid off. I received a letter of a refiling of court proceedings and ten years later they are garnishing my wages for this old debt. I have received no correspondence from Midland Funding LLC about this debt and have no knowledge of why I would owe them any amount. I also believe that the amount indicated in the court document is not accurate to the original debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX, Champion Mortgage attempted to foreclose on the property at XXXX XXXX XXXX. XXXX, Massachusetts. Mortgage co. was sent debt verification requests under Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). 
Foreclosure was avoided at that time, but Respondents have NOT answered to ANY validation requests and are attempting another sale on FridayXX/XX/XXXX. 

Repeated correspondences, notices and warnings have gone entirely unrebutted and unanswered.Evidence gathered shows that respondents are Not the owners of the debt and do not have documentation and verification to foreclose on the collateral property. 

Under Misprison of Felony, 18 USC subsect 4, I am required to report felony fraud, theft, attempted robbery etc. to the nearest authorities. 

This constitutes notice of Felonies in open view.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My credit report is showing two tradelines for SYNCB/TJMaxx. ( Please see pages 2 and 3 attached. ) One card is charged off in XX/XX/2018 with a balance/past due balance that is incorrect. I went to TJ Maxx one time, forgot my card and they looked me up in the system. The account was a {$0.00} balance so they opened up a new card for me in XX/XX/2018. Now the balances, past due amounts, status and dates of last activity are all incorrect. In addition, they are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. Please help me get this removed from my report and stop XXXX of Ohio from reporting a fraudulent collection on my report. I have included a copy of my credit report as well as the letter from 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 2019-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Delta Outsource Group, Inc.
State: AR

Complaint narrative:
XX/XX/2019, was called by someone from Delta Outsource Group. I asked this person to identify his company and he refused to identify his company claiming he had a " business matter. '' During this conversation this person was extremely rude, using a threatening tone against me. I asked if his company had a website. This person said that his company did not have a website. I asked if I could make payment arrangements online. He said that while other companies had an ability to take online payments, Delta Outsource Group did not. When asked who do I talk to about making payment arrangments he said to contact XXXX County Courts. When I asked why am I talking to him, he could not say. He then referred me to XXXX XXXX Collection Manager. I asked Mr. XXXX if they had a website, he said they did. I asked Mr. XXXX if they have the means to make payment arrangments online. He said they did. I asked Mr. XXXX to send me proof that Delta Outsource was a legitimate company, which he did. I stated that the first collection agent had lied to me repeatedly and his company should take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have been trying to dispute a negative mark listed on my credit file from a company I do not recognize with no, luck. I called the collection company and was told I had to pay it. 
upon asking them for a signed contract with them they were unable to produce such. 

instead, they sent me a letter with an address I don not recognize.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
The debt collection agency is name XXXX XXXX XXXX, who also hired another company name Weber & Olcese , PLC. The companies are trying to collect money from me for a account with XXXX XXXX XXXX XXXX which I do not have. The collection companies can not and have not provided me with documentation of this account. I contacted XXXX XXXX XXXX XXXX about this matter, which I am a current customer and have been for awhile and was told I have no past due or a old account with them. The collection company has sent me court papers trying to collect money from bank accounts and other means. They also sent me a thing full of papers asking for copies of private information that I am not going to send them. I have contacted this company a few times about this matter and still yet havent been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX I had 17 requests for bank loans, credit cards, and lines of credit when XXXX and TransUnion lifted my freeze alerts without my authorization. XXXX, XXXX, and TransUnion also did this in XX/XX/XXXX and XX/XX/XXXX. At no time did they attempt to contact me by phone or mail to confirm that I wanted the freeze alerts lifted. I don't know why they issue a pin number if they don't request it when someone besides myself request that a freeze alert be lifted. Then the nightmare begins trying to contact all these companies, and then the credit bureaus in an attempt to clarify the dilemma. Trying to clarify this with the credit bureaus is almost impossible, taking me two to three hours with each if I was lucky. It seems the hackers have quicker access to my accounts than I do. What protection does the average citizen have with these three credit bureaus? How can one avoid this from happening again? What does our government do to protect the average citizen from this abuse? It seems that our government has allowed XXXX, XXXX, and TransUnion to have cache blanche to do what they want without the consumers having any protection from them.

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 2019-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: National Recoveries, Inc.
State: WA

Complaint narrative:
I have called every week for the past two months to speak to someone about consolidating my student loan debt. It puts me on hold for up to two hours then goes to a voicemail. I leave a voicemail with my information and never receive a phone call back. I am just trying to do the right thing to set up payments for my loan but they make it impossible.

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