vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
In XX/XX/XXXX, I contacted Freedom Mortgage because my husband and I had found ourselves in a financial hardship due to a tax debt that we owed to the government. As of XX/XX/XXXX, our loan with Freedom Mortgage was completely current and not in default in any way. We were advised to apply for loss mitigation. On XX/XX/XXXX, we sent in our first loss mitigation application. On XX/XX/XXXX, we were notified via USPS letter, that our application had been received by Freedom Mortgage and was facially complete. On XX/XX/XXXX, a single point of contact was assigned to our account by Freedom Mortgage. On XX/XX/XXXX, we were notified via USPS letter, that our application had been approved for a FHA Home Affordable Modification Program. We were told by Freedom Mortgage that we should no longer make our contractual payment if we wanted to participate in the 4 month trial period payment plan. If we made our trial payments in the months that they were due for the duration of the trial period, then our loan would be permanently modified. We made our first trial period payment in XX/XX/XXXX and made subsequent payments for XXXX and XXXX. On XX/XX/XXXX, Freedom Mortgage sent us a letter informing us that our application for loss mitigation had been denied because our loan did not meet FHA seasoning requirements. When we originally applied for loss mitigation in XXXX, Freedom Mortgage knew but chose not to disclose, that our loan did not meet FHA seasoning requirements. They fraudulently approved us for a loan modification program even though they knew we were not eligible for the program. They processed 3 of our 4 trial period payments. Our loan is now in default and we are behind over {$8000.00}. Freedom Mortgage representative, XXXX, communicated to me on a recorded call that this was an error made by the under writers. She also confirmed that Freedom Mortgage, its representatives and under writers are fully aware of FHA seasoning requirements and are also aware of a clients loan history prior to an application for loss mitigation. She agreed that Freedom Mortgage approved us for a program that we did not qualify for. Freedom Mortgage has been unwilling to resolve this matter for my husband and I. We started this process with good credit and a current loan and now our credit is marred and our loan is in default.

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 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Apparently this company purchased this debt, did n't inform me and put it on my credit. It has been removed from other companies  3 separate t imes now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
O n XX/XX/XXXX  I was served a summons for a medical debt with multiple accounts dating back to  XX/XX/XXXX . I li ve in Mississippi, which is also where the debt was incurred. The statue of limitations is 3 years in Mississipp i, Medical debt is exclud ed however only when due to a government entity  ( ie-county hospital ). This debt is from a privately owned   XXXX   XXXX   XXXX   and was assigned to a   collections agency at 60 days. The judgment issued is for  XXXX  different  XXXX , which they rolled into   XXXX .  I attended the court hearing and brought up the statue of limitation and also questioned debt collector on the agreements for the debt, which they did not have. The judge allowed a continuance for the debtor and I will have to attend court again o n XX/XX/XXXX . The ju dge said medical debt is not subject to the statue of limitations, however I have also attached a letter from the attorney general which provides proof that this debt is invalid. I would like to file a FDCPA complaint

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 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This complaint is about my credit score. The  XXXX  companies are  XXXX  and Equifax. I have established and maintained outstanding credit for over 30 years. I 've paid off  XXXX  houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems excep t one. I h ave and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are  XXXX  and  XXXX  respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to  one of t he companies today. I voiced my concerns. Number  one, the  person on the phone was unquilified and unable to help me get to the bottom of my complaint. Numbe r two, I  asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in  XXXX . The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Account was orignally listed as of  XXXX / XXXX / XXXX .   Account is showing as a charge off with no balance, I called  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX  spoke with a representative and she advised the only account they have on record is my last address which is in good standing.   On my credit report account it is reported as " paid, was a charge off ''. And also listed as a charge off on my credit report. Amount of debt was {$120.00} last updated  XXXX / 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 2017-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: GA

Complaint narrative:
With the assistance of   XXXX   XXXX   XXXX    financial c ounselors I received a Federal Family Education Loan Program ( FFELP ) for {$56000.00}. Payments started   XX/XX/XXXX . Ne ver missed a payment, have paid fo r 10 ( almost 11 yrs ) . I am a   XXXX   XXXX   but was told I do not qualify for loan forgiveness because this was not a " direct loan ''. Yet, I owe {$40.00},  XXXX  still on the loan, after paying {$27000.00} in interest and {$16000.00} on the principle. I have paid {$44000.00} on {$56000.00} and still owe {$40000.00} and even though I qualify for loan forgiveness based on payment history and vocation. I am  XXXX   XXXX   XXXX  and will retire in   XX/XX/XXXX   with 31 years  of   XXXX   XXXX  .  This was to my understanding a Federally Funded  Loan Program or is the title  meant to be misleading. No wonder people just give up and default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My employer transferred/distributed my pay o n    XXXX   XXXX  2017    to  JPMorgan Chase. JPMC d id not deposit the funds into my account. I have called repeatedly to get the matter resolved, and have been hung up on, transferred to departments that can not resolve the issue and generally not helped. I am a single mother ; this is my paycheck. Why is JPMorgan choosing to not assist me? Does n't it matter to them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREAT LAKES
State: CA

Complaint narrative:
This company is reporting a debt that is not verified. They have failed to provide information showing signature and have violated FDCPA LAW. We are filing a Lawsuit as well unless the accounts are removed.
 XXXX  Account Number   XXXX   Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$28000.00}  XXXX  Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI  XXXX  Ownership Individual Original Creditor - Company Sold-to - Original Amount {$6700.00} Comments   XXXX   Account Number  XXXX  Account Type Installment Loan Terms Unknown Date Opened  XX/XX/XXXX  Account Status Closed Payment Status Unknown Payment Status Details Account transferred to another office Status Updated  XX/XX/XXXX  Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone BYMAILONLY Contact Address   XXXX   XXXX   XXXX  ,  XXXX , WI   XXXX    Ownership Individual Original Creditor - Company Sold-to - Original Amount {$7800.00} Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
EQUIFAX SPLIT MY CREDIT REPORT INTO 3 RESPECTIVELY!
<P/>
TO KEEP THE 3 FILES COMBINNED THEY SUSPEND 3 ONGOING DISPUTES IN DATA BASE ( SEE ATTACHED ) 1 ) .CONFIRMATION NO.  XXXX   DATED  XX/XX/2016 -STATUS PENDING 2 ) .CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING 30.CONFIRMATION NO. XXXX  DATED  XX/XX/2016 -STATUS PENDING ITS APPARENT THAT EQUIFAX IN SUPER GLUING MY CREDIT PROFILE AND CREDIT FILES TOGATHER.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I wrote to the company 3 times ( 2 times by email ( XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail onXX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report.
<P/>
This refers to my XXXX  account # XXXX loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX.
<P/>
My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.
<P/>
This loan was paid off as of XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.
<P/>
After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.

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 2017-06-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I wrote to the company 3 times ( 2 times by email (XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on XX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report. <P/>This refers to my XXXX account # XXXX, loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX. <P/>My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report. <P/>This loan was paid off as ofXX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history. <P/>After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I wrote to the comp any 3 times ( 2 ti mes by email (   XX/XX/XXXX   &   XX/XX/XXXX ),   they responded that they ca n't discuss via email ) So I sent an actual letter by mail on   XX/XX/XXXX   regarding a derogatory/collections item that I discovered on my credit report.  <P/> This refers to my  XXXX  account #  XXXX , loan date   XX/XX/XXXX ,  23 month term, that I believed, and also had received email confirmation that this was paid off  on  XX/XX/XXXX .   <P/> My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for   XXXX   off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.  <P/> This loan was paid off as  of  XX/XX/XXXX  which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be u ntil  XX/XX/XXXX  . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.  <P/> After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.

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 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
This was submitted to CFPB on  XXXX / XXXX / 2017  case #  XXXX  and nothing was ever done with it. I am now 5 days from closing on a mortgage and will probably have to pay this account off to get mortgage. I am highly disappointed.     The compan y is Advanced Collections Bureau   XXXX   XXXX   XXXX   XXXX  Fl  XXXX  Phone  XXXX  They are trying to collect for a security system account that I did not renew. I had a security system through  XXXX   XXXX  in  XXXX  Florida and when my  two  year contract was up I did not want to renew. I paid for the whole two years in full, when the contract was up they continued to bill me, I spoke with them and said I did not renew contract and to stop billing me as I had never used the security system. I eventually was contacted by Advanced Collections saying I owed {$1000.00}. I attempted to speak with them and resolve this and have had no success.     Account number  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a  XXXX   XXXX  charge off listed on my credit report.    XXXX   Purchased my   XXXX   XXXX   XXXX  landline service. My payment went to  XXXX   XXXX   XXXX  but during an Audit  XXXX  identified my account as 180 days late from the Purchase date from  XXXX   XXXX   XXXX  to  XXXX    XXXX  .   They listed th e 180 la te on my credit report.   I called  XXXX  and was on the phone with them for ove r 1 hou r while they tried to figure out what happened. They confirmed they received the payment and was going to remove this from my credit report.   I get a new credit report a few weeks later and  XXXX  has changed the  Status to a Charge off.    I called  XXXX   XXXX  and they said the account is paid off and not a charge off but are not going to correct my credit report. The gave me a letter and told me to work with the credit bureaus. The Credit bureaus all said they researched the issue and confirmed from  XXXX  that it was a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone has been fraudulently accessing my account, and they have my SSN and identification information. I 've called Chase 4 times requesting that security measures be placed on the account to prevent authorized access and disclosures. At first, after 3 hours on the phone with Chase, they said all they could do was change the account number and not allow access by SSN. However, I just called in today, and their system only asked for the last    XXXX   digits of the SSN, and it let me into the account. When I called Chase t oday, they now say they ca n't even do  (  the above ) as promised earlier and there is nothing I can do to secure access to this account. Today they tell me that are unable to change the account number and/or restrict access to anyone that calls in with the last  XXXX  of my SSN. I 've asked to speak to a supervisor and they refuse to transfer the call. The last person at Chase who I spoke to is  XXXX   XXXX ,  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: FL

Complaint narrative:
USI High Solutions, Inc ke eps harassing my family and myself about a $  XXXX  NON-EXISTANT debt. Calling my family outside of the USA and us in our cell phones and not only feels like harassment but these women are very threatening and they 've try to intimidate us. The debt does n't exist and they need to stop harassing us, specifically calling my husband 's place of work.

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 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The Bank has been  manipulating my deposits to generate additional fees. I thought this was illegal. I thought Dodd-Frank elim inated these practices.

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 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Business contacted me on a co-workers cellphone that I did not give them permission to contact me at and did not tell them was my personal line to call on. I am unsure of how they got this phone number whether I used this phone associated with this number to contact a few months back but I did not give them this number as a contact or way of communicating with me.

Company response to consumer: Closed with explanation