vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: CA

Complaint narrative:
Allied Interstate, LLC has called my cell phone number ( XXXX ) repeatedly but leaving no message. Yesterday they called five ( 5 ) times and four ( 4 ) times today so far. Company is in violation of settlement entered on XX/XX/ 2018 in  California. The XXXX XXXX County District Office, which headed the lawsuit against this company, has been notified of the violations incurred by Allied Interstate, LLC. 

A call log is being maintained should the DA 's Office request it.

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 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I paid a settlement payment through my bank for an account that was sold to XXXX XXXX XXXX from Capital One. Instead of my bank sending it XXXX XXXX XXXX services they sent it to Capital One who is still holding my funds. I have reached out to them for several weeks now and they will not release the money sent. Capital One has been holding the funds since XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 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: NC

Complaint narrative:
I sent a letter to Equifax on XX/XX/XXXX, asking them to investigate 8 errors on my credit report. Over 45 days have passed, and I have yet to receive their response in the mail. They were supposed to mail me something back within 30 days. I have even sent a follow-up letter, and that is also being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Pending complaint since XX/XX/2018. Drop this account off my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: First Associates Loan Servicing LLC
State: OK

Complaint narrative:
I found out from a letter sent to me for collection of a debt by XXXX XXXX XXXX in the amount of {$18000.00} on behalf of XXXX XXXX XXXX XXXX for a student loan I never authorized or knew about made by XXXX XXXX XXXX. If ANY Personal loan was taken or entered into by XXXX XXXX on my behalf I did not authorize the loan, was not aware of ANY loan or told about such a transaction and it would be fraudulent and WITHOUT my consent, I need am trying to get this loan removed or discharged and have not recieved response from XXXX. I have disputed this fraudulent loan with XXXX, I have filed a police report with our local Police Dept for identity theft. Please help me to get this fraudulent account closed and removed from my credit report. I can send a copy of the police report and letters sent to the collection agency and XXXX if needed. 
Thank You XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: CITIBANK, N.A.
State: MD

Complaint narrative:
The representative from the company told me that the reward points that I earn from my spendings in XXXX will be issued in the reward certificate that I will receive in XX/XX/XXXX. In my XX/XX/XXXX statement, I have earned {$40.00} in reward points from my spending activity up until XX/XX/XXXX. However, they did not issue me this reward amount in the reward certificate that was issued in XX/XX/XXXX. On XX/XX/XXXX, I called the company to request them to issue me another certificate for this balance and they refused, saying that I would need to wait until XX/XX/XXXX to get the issued. I feel that I was misinformed by their representatives.

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 monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint relates to mortgage company unfairly refusal to endorse and release funds from a legal settlement in which a mortgage lender has no financial interest. 

I incurred property damage XX/XX/XXXX. When my insurance company neglected to properly assess the claim, I was forced to file a lawsuit in California court. Ultimately, at great expense to me, I settled the case and received a check for {$130000.00} from the insurer, with of course no admission of wrongdoing and no allocation of what the check was for. This check amount includes recovery for all my legal fees and litigation costs and recovery for several causes of action -- only a small portion is related to property damage. That small portion is less than the mortgage company 's threshold to monitor repairs or restrict the funds. 

The mortgagor has given me the runaround for weeks and will not release my settlement funds in which they have no interest ( approx {$95000.00} ). Further, the remaining balance of the check falls BELOW their own stated criteria for a restricted escrow account to monitor the repairs. 

Here 's a summary of the relevant amounts : Legal settlement check : {$130000.00} payable to me, bank and my lawyer Outstanding Mortgage : ~ {$110000.00} Minimum repair estimate requiring restricted escrow by JPMorganChase : {$40000.00} MY LICENSED CONTRACTOR REPAIR ESTIMATE : {$39000.00} MY LEGAL FEES and COSTS ( invoice due XX/XX/XXXX )  {$35000.00} REMAINDER = my recovery for the misery of bringing a lawsuit for 2 years .... 

To make matters worse, the damage is to an accessory structure. 

Every time I call the bank, I get a different story. Nobody will follow up as promised and they keep referring to another department that does not take consumer calls and repeatedly and summarily " denies '' requests to release the funds. 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfilio Recovery has continued to call my job several times a week after I explained I can not take personal calls at my job since I work the switchboard - they now have started Robo calling my employer the recording says it is an attempt to locate me. They have been told not to call here but the rob calls continue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I had an old medical debt from XXXX that was resolved with the provider. Capio partners apparently purchased the debt in XXXX of XXXX and immediately put it on my credit report ... not only once, but they duplicated the collection two other times using various names of their same company.They put very similar amounts owed ( must have been willing to take a bit less on one to make it look like two different accounts ) and then you their are two separate names of the collection agencies however they are on EXACTLY the same parkway, " XXXX XXXX '' in XXXX Texas with slightly different suite numbers! They are doing this because I told their collection person who called me that I was in the middle of a mortgate ( mistake # 1 ) and then they IMMEDIATELY generated THREE separate bogus accounts on my credit for the most impact to my score!! When asked to verify, I still have not heard a response and for some reason the credit bureaus have said that the dispute was not supported so the information remains!! How does that happen?? They are literally creating double and triple jeaporady and they are the SAME COMPANY!! Capio Partners and XXXX XXXX   FIRM ... BOGUS and ILLEGAL! Not only that, the original debt was listed as a charged off account with XXXX and I paid it to them! Even if Capio purchased a debt from someone else, it was a charge off and should NOT be reported as an OPEN ACCOUNT on their records, further harming my credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: State Finance Company
State: TX

Complaint narrative:
I got loan with Broadway Finance around 2016 for {$500.00}. I have made XXXX XXXX/month on time payments since then, without making headway. 

XXXX mailed Broadway Finance a letter explaining my inability to keep making payments and asking them to not contact me. 

XXXX-XXXX- I received 4-6 calls a day from Broadway Finance as well as Broadway Finance staff coming to my house.

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 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
XXXX LOAN # XXXX BORROWER : XXXX XXXX  ( XXXX ) PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX   Previous CFPB complaint no. XXXX I received the attached denial notice from Rushmore today. I am going to escalate this with another CFPB complaint in addition to the attorney general. Rushmores opinion of fair market value is not cohesive with the facts which we provided to demonstrate the true fair value of the subject property. Failure to lower the value expectations is going to cause a foreclosure when there was a viable alternative available via a short sale and consideration of the offer we submitted that is fairly priced based on current market conditions. I ask this be escalated further because the documentation I have submitted to support my argument is clearly not being thoroughly reviewed for consideration. Thank you for your assistance.

Respectfully, XXXX XXXX Loss Mitigation Manager/ Legal Assistant P : XXXX F : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC
State: SC

Complaint narrative:
My loan balance was paid in full and should be reported to all 3 credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage payment includes an amount for property taxes. My property taxes for XX/XX/XXXX have not been paid. When talking with NewRez, LLC dba Shellpoint Mortgaging Services, XXXX. XXXX XXXX, XXXX. SC XXXX, Phone # XXXX, They are insisting that the property taxes have been paid to the XXXX County Appraisal District on XX/XX/XXXX. 


The first call to NewRez was initiated on XX/XX/XXXX. I requested a copy of the cashed checks they informed they sent to The XXXX County Appraisal District. I was informed I would receive copies in 2 weeks via email & XXXX. When I did not receive either a call back, email or anything in the mail, I contacted NewRez a 2nd time on approximately XX/XX/XXXX. I was informed my request was submitted and I would be receiving copies of the cashed checks by the XX/XX/XXXX. 

I called back on XX/XX/XXXX, and spoke with XXXX, to follow-up on the status on copies of the cashed checks. At this time is was informed that the money I pay for my escrow account was sent to the XXXX County Central Appraisal District and paid someone else 's property taxes. I was also informed that it appears as though I am not the legal owner of my own property. I was informed that XXXX XXXX, a Tax Specialist for NewRez was reviewing the complaint and would be contacting me. 

I called on the XX/XX/XXXX afternoon as I still had not received a call back from NewRez nor XXXX XXXX. I was informed that the complaint is still under investigation and that XXXX XXXX would be calling me back with an explanation and resolution. I requested to speak with Mr. XXXX, and I was denied the opportunity. 

I called back on XX/XX/XXXX. Again, the person I spoke with, XXXX XXXX XXXX, informed that her note show that the property taxes were paid. She refused to allow me to speak with her manager and to let me speak with either XXXX XXXX or someone else in that department. She eventually transferred my call to someone else and the call went to voice message. I left a message. 

To this date I have not received a copy of the cashed checks or any other concrete evidence that show my property taxes have been paid as I was instructed would happen. I have not received one email or one call with any explanation as to what is going on with my money and how they are handling the issue to in paying my taxes as XXXX County Appraisal District has not yet received any payment. No one will tell me what is going on. I am trying to refinance and penalties for late payment on my property taxes are accruing. 

I am in the process of refinancing my mortgage and this holdup is affecting my contract with the new lender and time lost will affect my loan rates.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
The XXXX XXXX in XXXX XXXX claims to have sent me bills for a {$4.00} toll from XX/XX/2018. 
I just received a collection notice from Lineberger, Groggan, Blair and Sampson for {$52.00}. 
I contacted the firm to get details. I was informed by XXXX that the XXXX XXXX tollroad in XXXX XXXX claims to have sent me bills for a {$4.00} toll from XX/XX/ 2018. 
I have paid several toll bills from that time and asked how I could find out or dispute the amount. 
XXXX told me that I could only fax a request to the XXXX XXXX. However, I did not take her at her word and called XXXX XXXX instead. They immediately waived {$20.00} told me to call the debt collector back, XXXX immediately reduced the debt to {$32.00} which I paid. 
Lying to consumers who may not have access to a fax machine is an obvious attempt to increase the amounts collected.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: WA

Complaint narrative:
The company calls and when you answer no one is there. When you call back they have stated they are looking for a XXXX or XXXX something. I have told them on multiple occasions that I have no idea who this person is. They continue to call from random numbers and when I answer no one is there. When I call and ask them to remove my number they state this is the first time they have spoken with me. 

They have state that the company they represent is IC System. icsystem.com is the company website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB 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 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
In late XX/XX/XXXX, I called XXXX XXXX XXXX XXXX - XXXX XXXX ( XXXX ) to cancel my membership. I spoke to a male employee, who informed me that I can only cancel my membership if I speak with the manager. I called back within the next few days and spoke to a female manager, and requested to cancel my membership. She verbally informed me that my cancellation had been verified. The next few months I noticed that I still got charged for my membership so I called back on XX/XX/XXXX and spoke to XXXX XXXX, who is the general manager of this location. He acknowledged my problem and informed me that I need to email him to cancel, which I did immediately after. So, although 2 employees informed me that my initial phone call cancellation was standard procedure, my membership was not cancelled until XX/XX/XXXX several months after I was told my membership had been canceled. Now, XXXX is sending Radius Global Solutions LLC to collect a debt of {$60.00}. I called Radius Global Solutions ( XX/XX/XXXX), whose representative informed me that only XXXX  can waive this erroneous debt. So then I called XXXX when I received this mail XX/XX/XXXX, and asked XXXX XXXX why this was happening and how it could be resolved. He rudely informed me ( yelling, interrupting, etc. ) that there was absolutely nothing to be done, because the only written proof of my cancellation is dated XX/XX/XXXX, and it is the corporate policy that cancellations may only be done by email. He refused to acknowledge that the employees whom he manages and supervises and is therefore responsible for, did not know of and did not uphold/follow their own company policies. He repeatedly claimed that there was absolutely nothing he could do, and that he had no authority to waive a debt. Then, I called XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ), who told me that the general manager of each club has sole authority/ability to waive a debt if they chose to do so. I called back to XXXX XXXX XXXX  to speak to XXXX XXXX. He again repeatedly claimed that there was nothing he had any power to do, which is contrary to corporate policy. He redirected me to XXXX XXXX, who is his supervisor at XXXX - XXXX XXXX XXXX. I called and XXXX was not there. This company has falsely charged me because their employees do not know their own policies. I have taken every appropriate measure to my own knowledge to cancel my membership, and was told by XXXX employees over the phone that my membership had been cancelled. As such, this debt is invalid. Now trying to resolve this invalid debt, this company has wasted my time by being rude, unprofessional, ignorant to their own policies. Ultimately, this company has failed to resolve their own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX ( my due date ) at XXXX, I made a payment of {$80.00} on my card. I was still charged a late charge and when I called the credit card company, I was told that their cutoff time for payments received was XXXX and that therefore, I would incur a late fee of {$37.00}. I wrote to the credit card company to have them waive this fee and was told that because they had already waived a late fee back in XX/XX/2018, they would be unable to waive the fee. I told them that the usual cutoff fee is XXXX  of the payment due date, not XXXX. I work late hours and am struggling to make payments so I think the least they could do, being that I have been a customer for years, is to waive the late fee as I did make the payment on the due date, but after XXXX. Also, I called them today ( XX/XX/XXXX ) and spoke with both a representative and a manager to try and extend the due date ( courtesy extension ) of 1 more day until tomorrow since I get paid on Fridays and they would not extend the due date at all. All they want are the late fees assessed. This is very unfair practice of them. This is a XXXX XXXX issued by BarclaycardUS.com. On their website, they have the following disclosure : " Pending payments can be modified or cancelled up to XXXX XXXX  ET on the scheduled payment date. Same day payments made between XXXX XXXX ET and XXXX XXXX  ET can be modified or cancelled up to XXXX XXXX  ET that same day. "

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 monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My house was in foreclosure with OCWEN FILE # XXXX After many months of negotiating we were unable to come up with a solution to save my home. The bank was not helpful ; at all. They proceeded to foreclosure. I was assured in writing by Ocwen that i would not be responsible for any deficiencies and I would not receive a XXXX, I did not agree for the bank to cancel the debt. However, they forwarded me a XXXX for {$83000.00}. The bank essentially fraudulently caused me to foreclose. I want the XXXX rescinded and i am seeking reimbursement for the inconvenience this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: SC

Complaint narrative:
My balance was paid in full and should be reported to all 3 credit bureau 's.

Company response to consumer: Closed with explanation