vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
To Whom it May Concern, I am writing this letter in regards to a collection that is on my credit report. It seem that this collection account is being passed around and I have submitted several letters to resolve this issue. 

The creditor is SOUTHWEST CREDIT SYSTEMS, L.P. for XXXX XXXXXXXX XXXX. I don't own and have never had an account with this company. I am asking for this account to be removed from my account. I have filed an report with the FTC about this report and they have listed it as a fraud on my account. This was placed on my XXXX report on XX/XX/2018. Please see attach fraud document. I have sent this information to the credit bureau also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO

Complaint narrative:
I am writing to the CFPB today requesting assistance on receiving information regarding a debt I have with Prestige Financial. I financed a vehicle through this company at a 21 % interest rate for almost {$35000.00} back in XX/XX/XXXX, soon after my Bankruptcy was discharged that same year. I lost my job in XX/XX/XXXX and they were unwilling to work with me, payments wise, until I got another job. The vehicle was repossessed in XX/XX/XXXX and was sold at in auction for {$12000.00}, leaving roughly a deficiency balance of {$23000.00}. They continue to charge an interest rate of 21 % on the balance owed and my paycheck has been garnished off and on for more than a decade, for this vehicle that I have not had since XX/XX/XXXX. I have asked on numerous occasions, for an itemized statement showing my place payments made and interest. In addition, I have asked for the balance owed, a copy of the original contract and other pertinent information regarding this loan balance and I have not once received anything from Prestige, except what is listed on the Garnishment paperwork, every time they resubmit the continuation of garnishment through the courts. On multiple occasions, they have told me that they would provide the information I have requested and yet, have received nothing. Prestige has called and harassed me at multiple places of employments and have went as far as lying to coworkers to obtain information for garnishment purposes. I feel that I am being and have been, taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase Mortgage sold my mortgage to XXXX XXXX, prior to the sale. My principal balance was {$84000.00}. In fact, I had received a statement from Chase for that amount. 

Chase allegedly claims a Subprime Mortgage was done, I never agreed to the terms or a Sub Prime Mortgage, I was applying for the HARP Program, since Chase is a Bank, the Federal Government gave Chase Millions of dollars to help home owners with upside down  mortgages hit by the Real Estate Bubble of XX/XX/XXXX, I was one of those clients. Chase initially gave me a 36 months military payment plan of 1 percent at {$460.00} a month. Later, Chase sold my mortgage to XXXX XXXX for {$240000.00}. Now, XXXX XXXX is planning to foreclose on the Property on XX/XX/XXXX if the amount of over {$20000.00} dollars is not cured by then. 

The other issue, is I was in Bankruptcy and when the Mortgage was released from the Stay. XXXX XXXX added all the late fees and charges. 

This is the same Sub Prime Mortgage Scam Chase Mortgage was fined for XXXX XXXX dollars. 

I need the Consumer Protection Financial Bureau to investigate this matter on Chase as soon as possible and communicate to Select Portfolio of this wrong doing to avoid the Foreclosure date. 

Chase mortgage XXXX Loan number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have Chase XXXX Rewards Club Select Credit Card since XX/XX/XXXX. Every XX/XX/XXXX Chase charges me for the annual fee of the credit card and a free night certificate is issued to my online XXXX account that can be used on any XXXX properties.

This year I was charged the annual fee in XX/XX/XXXX as usual and I paid off my bill on time. But the free night certificate is not yet to come to my account. My account is always in good standings. I waited until XX/XX/XXXX and then reached out to Chase via secure message on XX/XX/XXXX about this issue. Chase replied back that I needed to contact XXXX Rewards Club. 

On XX/XX/XXXX, I called XXXX for this issue. During the same call I was transferred back and forth between Chase and XXXX for 5 times and the last agent from Chase was very rude saying that I was not qualified for the free night reward this year and hung up the phone. I spent over 70 minutes for this call and the issue was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The offense occurred in the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Washington, DC. 
On XX/XX/XXXX, My fiance and I were attempting to purchase re-sale tickets for admittance to Capital One Arena to watch the XXXX playoff game with the XXXX XXXX vs. the XXXX XXXX on the same date at XXXX hours. 
At approximately XXXX hours, she discovered an advertisement, posting ID # XXXX, on the XXXX website for tickets to the Saturday game located in Section XXXX, XXXX XXXX of the arena. Using the XXXX contact information ( telephone number XXXX ) for XXXX, listed as the seller, my fiance engaged in a text exchange whereby, at approximately XXXX hours, the seller agreed to sell the tickets to us for {$140.00} each, totaling {$280.00}. The seller, requested that the funds be sent via the electronic fund transfer application XXXX, which is now common to most large banking institutions. Seller stated, via text, that upon receipt from us of evidence of the transfer of funds via the XXXX app, seller would transfer the tickets via XXXX. Seller requested that the funds be sent to the email account XXXX via XXXX. 

At approximately XXXX hours, I transferred {$280.00} of US Currency from my Capital One account via XXXX to sellers account, XXXX Payment ID # XXXX. The caption on the payment read XXXX XXXX XXXX Sat XX/XX/XXXX XXXX vs. XXXX. At XXXX hours, seller responded via text to us stating that he needed a moment while transaction processing. After that point, seller did not respond to any text messages from us. Both attempted to call the contact number provided, but were unable to reach seller. At approximately XXXX hours, I emailed seller, but received no response. 
Seller did not deliver the tickets to either of us, as was agreed. 

I contacted Capital One to report the fraudulent activity at XXXX hours. I attempted to stop the transfer, as it was listed as " pending ''. However, Capital One said that was not possible. Capital One reports that the funds were sent to XXXX XXXX account associated with XXXX XXXX. I received claim # XXXX. 

I reported the fraud to the XXXX Police Department, CCN # XXXX. 

I received a letter from Capital One, dated XX/XX/XXXX, which stated that there were no errors in the transaction, and thus my claim was denied. 

On XX/XX/XXXX, I contacted Capital One to question their response, as I had supplemental documentation and a police report, but was never contacted by the bank. The representatives said that was irrelevant, and that the transfer could not be contested because XXXX XXXX   reported that it went to the account to which it was sent. I questioned how the bank could promote the use of XXXX- going so far as to incorporate the service in the bank 's smartphone application- as a safe way to transfer money when they did not stand behind the transactions, even in clear cases of fraud. They basically said it was tough luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: OK

Complaint narrative:
they showed my admission papers but still failed to show any agreement where me and the creditor agreed to the amount being charged, my admission papers does show any promise to pay or agreement to pay it. you dont see my signature or initials from 1-8 you see my initials on the line that i consent to photographing or videotaping for medical purposes only, i checked number 9 and initialed number 10 boxn 12throu 14 not how i check boxes, then my signature at bottom which nothing in said document showed an amount of money or what me and the creditor agreed upon. and all in which has been photocopied which wont even stand in court, how i know this the same way your going to know this if you cant provide an agreement with an amount between me and the hospital ill be filing suit on XX/XX/2018, unless you provide and contract or agreement, not admission documents, then we can see hows right or wrong on this matter. 
by the way when i called the number you provided your not even in that office. so im sure where probley going to 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 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: MD

Complaint narrative:
Voicemail left on my cell phone stating I owed a debt to Direct Recovery Services, stating this was that last time they will contact me when it was the first XX/XX/18 @ XXXX. Didn't state what I owed or to whom. I have never dealt with that company before. AtXXXX my son 's father ( whom I hardly speak to ) texts me to let me know the same company called him stating I owed a debt and needed to call then and asked him to share my phone number. Again I do not speak to my son 's father and his number is fairly new, not sure how this company got his number. They left phone number XXXX on my cell vm and XXXX with my son 's father also left an acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX XXXX from my credit report. They are showing a balance of {$520.00} that has been sold to a collection agency that is also trying to collect this debt. 

Within the allotted 30 days, I received response that it has been verified. 

XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

XX/XX/XXXX - Received same letter again simply saying verified. I have still received no method of verification for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: R.A.Rogers, Inc.
State: SC

Complaint narrative:
I set up my payments with them at the beginning of XXXX, the lady I spoke with was very nice she gave me a compliment and she was helpful with giving me details. I called in today XX/XX/XXXX to cancel my payment for the XXXX and start back on the XX/XX/XXXX. The man I spoke to today XXXX XXXX was very rude. He asked me a questio I felt was somewhat discriminating but more so belittling. He said, are you going to make the pmt at all. I stated before he said this I want to cancel my pmt for the XXXX and resume on the XX/XX/XXXX. He was rude was not explaining himself. All he said was I will update and document this. I felt as if he was trying to belittle me as if I am not going to pay it or I don't have any money to pay it off. I spoke with the supervisor and I let her know what happened she said I heard him and all he said that he was going to update it. The reasoning for my review is because I am not use to companies speaking to me the way the XXXX XXXX and the supervisor spoke with me. I was rude back because they did not care what I was saying. If you could play the first phone call I had with the company and the phone call I had today, you would know what I am talking about. I do work for a XXXX XXXX myself and I know all of the practices and regulations you have to follow to pass compliance. I would say that if XXXX XXXX or the supervisor at RA Rogers in Maryland came to my place of work, neither one of them would last a month here. This is the main reason why people hang up or feel some type of way about collections agency. Collectors is branded as rude and irritating people calling consumers phones. I look at collections as helping the future of consumers credit or making them aware of something they possibly let slip through the cracks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I took over a loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX from my granddaughter. I co-signed on this loan and found that my granddaughter was not paying the loan properly. There were delinquent payments from her and finally no payments period. Before taking over the loan I contacted the credit union and had the reposes the vehicle, I also made arrangements to pay the remainder of the loan back over the next few years. Since XX/XX/XXXX I have paid back all of the remainder of {$10000.00} remaining on the loan except for approximately {$1200.00}. I have made payments as agreed since XX/XX/XXXX and will continue to make payments until the entire loan has been paid off. Recently XXXX  and Equifax show this account voluntarily surrendered in XX/XX/XXXX not XX/XX/XXXX. I have filed complaints trying to get the information corrected but the companies will do nothing. Most recently when I filled a complaint with Equifax they added a second appearance of the same loan on my credit report and reduced my credit score by 104 points. I need help in getting this loan corrected and having this loan reported correctly in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received a promotional offer stating that if I used my credit card on any 5 purchases that total {$100.00} from XX/XX/XXXX-XX/XX/XXXX, I would receive a {$10.00} bonus as a statement credit ( within 90 days after the end of the promotion ). 

I made 5 purchases from XX/XX/XXXX-XX/XX/XXXX totaling {$110.00}. 

I waited until XX/XX/XXXX ... .when I should have seen the credit, as XX/XX/XXXX was 90 days. Then I waited for a statement or 2 more ... .no credit. 

On XX/XX/XXXX I called the bank issuing the credit card and spoke to XXXX, describing the situation to him. He reviewed my account and agreed I should have gotten the {$10.00} credit. He said someone would call me back within 3 days. 

No one ever called and I still have not gotten the credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX XXXX from my credit report. They are showing a balance of {$520.00} that has been sold to a collection agency that is also trying to collect this debt. 

Within the allotted 30 days, I received response that it has been verified. 

XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ).

XX/XX/XXXX - Received same letter again simply saying verified. I have still received no method of verification for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX from my credit report due to inaccuracies. Within the allotted 30 days, I received response that it has been verified. XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

As of today, XX/XX/XXXX, I have received no response to the verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX from my credit report due to inaccuracies. Within the allotted 30 days, I received response that it has been verified. XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ). 

As of today, XX/XX/XXXX, I have received no response to the verification request.

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 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I received a phone call on my work cell phone number which I have previously written, and Ditech acknowledge not to write or call on my phone number because of the nature of my business. Phones during the day can be a interruption especially due to the nature of my job and I had told them not to contact on this number. BUT today Ditech started their harassment ways again. I was contacted by a XXXX who works for XXXX who stated that he wants to speak to me and I asked him who he was and he said he was from Ditech. I told him that I have a cease and desist on my account and I provided other methods to contact me. I receive all their notices and they must send me at least 3 certified letters telling me how much I owe as well as threats to foreclose. I dont know why they need to call me on my cell phone, to tell me what I owe. I ask to speak to a Supervisor and an XXXX came on the phone. She then tried to tell me that since I applied for a modification that the cease and desist order did not apply since 2017. I told her I just asked for the modification not relinquishing my rights for communication. If a modification will be given then they can send my a letter, which I always get and I will get back to Ditech reps. This company is also calling my ex-wife harrassing her and telling her about my mortgage account, which is totally illegal. She is also considering bringing legal action for harrassment. From what I was told from my attorney, she on the property but not on the account and have no business knowing any information about my debt. That's illegal. She is not on the note.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
We have in numerous occasions contacted SPS to attempt to refinance, loss mitigation and offered a short sale which should be on recorded conversations with the company. We were told that we were not eligible for any assistance options at all. 
Then when we found a foreclosure realtor specialist she was told that we were sent a letter in XXXX that said we were eligible for a short sale.

We never received said letter and we were told verbally on a recorded line by a SPS representative, after being placed on hold, that we were not eligible for a short sale. So we felt we had exausted every opportunity we had. Now to find out it was all a lie.

Company response to consumer: Closed with explanation