vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
IN 2013 I wasn't working and had no means of paying my debt. I could not make payments and CITIBANK refused to work with me. They said I had to pay the minimum. At this time I also had other debt that I was falling behind in. Therefore CITIBANK sold my information to XXXX XXXX XXXX.XXXX who in turn hired attorneys to take me to court XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX UNITED STATES US. I did not receive a Certified Letter to let me know what was happening as they claim. Also CITIBANK refused to work with me. I could not afford the minimum and they offered no resolution, I was in dire straits. I'm XXXX years old and am still paying for debt that I had back then. I've worked hard to clean up my debt and this CITIBANK DEBT was from XXXX until it was sold to XXXX XXXX.XXXX  who again sending me amounts of payments which I could never afford. They destroyed what credit I have worked to improve and with my not having more years to work and will retire with nothing but Social Security as my main income, I am besides myself that now I am being sued by their attorneys.As I said there isn't a record of phone conversation to CitiBank with me imploring them to be patient with me. There wasn't anything except monthly bills and a collection agency XXXX XXXX.XXXX and now a law suit threatening me that they are bringing me to court and have a judgement against me for the amount of XXXX.I hope that the XXXX XXXX XXXX by CITIBANK be investigated along with XXXX XXXX.XXXX and a reminder to XXXX XXXX ATTORNEY I did not receive a certified letter. The Lawsuit was lying on the cement step of a front step which i hardly noticed. No signature required of accepting, just a flat envelope on an entrance I never use.

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CONTRACT RESOLVE GROUP LLC
State: TX

Complaint narrative:
I have an outstanding debt with XXXX XXXX and I am working to resolve the debt and have explained this to Mr XXXX. 

I have received multiple calls at my place of business from XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX TX XXXX, Phone XXXX, Ext XXXX. I have explained to Mr. XXXX that he is calling me at my work and we are not allowed personal phone calls. Yesterday XX/XX/19 Mr. XXXX called and yelled at me. He keeps tell me he will come to my place of business and have me served with lawsuit papers. 

Mr. XXXX has called me 5 times and every time I have told him this is my work number and have asked him not to call me at this number. Mr XXXX has my email, cell number and my home number but continues to call my work number He called me on the following dates and times XX/XX/19 @ XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
On XX/XX/19 I sent an international money transfer of {$260.00} through Moneygram at a XXXX location. On XX/XX/19 the receiver my stepmom went to pick up the transfer and was told it was returned. I contacted moneygram and discussed in details the receiver and the reason for sending and was told that there is nothing they can do as it was returned at random based on their financial policies. I asked for the matter to be escalated as the money is for medical expenses for my father but the agent refused and said there is no other point of contact or nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
On XX/XX/2014 someone went online & received a payday loan in my name. Not sure of the amount of the loan, but I am responsible for {$380.00} on my credit report. I am in the process of purchasing a home and this shows up. I have not gotten a loan from Speedy Cash and dont think I should be held responsible. I need it remove off of my credit because it was not me. Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
This debit was paid however is has been on my credit for 3 years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I bought a XXXX XXXX from google store on XX/XX/2018 for a total of XXXX dollars. I bought the XXXX from my google account where I accidentally had old shipping address. After calling google several times I was able to return the phone to the warehouse directly through XXXX. A month had passed since the phone was returned and received ( I ordered on XX/XX/XXXX, phone got returned on XX/XX/XXXX, I had not received my refund. So, I opened a dispute with my credit card company. But I got an email from google pay to take back the dispute otherwise my account would be locked and they promised they would refund the money. 



So, I took back the dispute, and I got an email from google XXXX  on XX/XX/XXXX saying refund processed. However, I didn't receive money in my bank account. I followed up with a specialist and she confirmed me that money was released on XX/XX/XXXX and I should be getting it in my bank. She asked me to follow up with my bank. I followed up with my bank but they said they hadn't received the refund. I got the same response from google when I followed up on XX/XX/XXXX. 

So, I waited till XX/XX/XXXX, and I still hadn't received the refund. I called google XXXX and talked with an agent for about 45 minutes and he said he would email me with a refund ID so that I can show it to my bank. I waited till XX/XX/XXXX and since I didn't receive any information I sent an email asking for the refund ID, but I got an email saying there is dispute ( which I had already retracted ). 

I finally sent them my last 3 months of statement showing I haven't received any refund from them in my bank. My bank has repeatedly said they haven't received a refund and talk to the merchant. My google pay account also shows refund, but the money is not in my bank account yet. Please help, I have been stressed about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The company is XXXX XXXX. I am under a payment plan with them. The money comes out of my bank account on a monthly basis. They are harassing me to make more payments. They have went from calling my cellular phone XXXX to calling my mother 's home number XXXX. When I told them them that the debt is under a payment plan they stated that they do not care that I need to pay more money towards the debt. This is pure harassment. I am tired of it. 
XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX I am very sure that they are going to call again. They do this every month once my payment is made. They are calling also on my mothers number which I do not know how they got her number. I never gave that number to them and I do not have it memorized. This has to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC State Bar. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from 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 explanation
Consumer complaint received 2019-03-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Bankruptcy was dismissed due to misrepresentation by an attorney. The attorney was disbarred by the NC XXXX XXXX. I had to hire another attorney to have the Bankruptcy dismissed. I have sent all the info to all three credit reporting agencies and to date they have refused to remove from 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 explanation
Consumer complaint received 2019-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a XX/XX/2018 payment, when in fact i made it on XX/XX/2018.

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 2019-03-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a XX/XX/2018 payment, when in fact i made it on XX/XX/2018.

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 2019-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX is attempting to discount Consumer Protection that is available to me from complaint XXXX. I have requested that they communicate with my attorney only, yet they refuse and have not contacted. I have provided his information again in this complaint and I want them to contact him ASAP. 

1. HRRG had multiple contacts with this consumer, took updated health insurance information and attempted to bill for the patient. 

I verbally told XXXX to stop calling me yet they called me anyways it was only later that I had put it into writing. Regardless of multiple contact info they have the revocation is a global request to cease and desist. 




2. She never asked for phone calls to cease until receipt of the letter from her attorney was processed on XX/XX/2019. 

This is false! I verbally told them to stop yet they continued to harass and threaten me. 


3. HRRG has not violated the TCPA and the consumer provided the number at the time of service. 

False - The use of pre-recorded messages to solicit payment and for non-emergcy purposes is a violation of TCPA. Please call my attorney as previously requested. 

I dont know why I must spend so many countless hours trying to correct he mistakes of this comapny. They have broken the law. I am asking that they contact my attorney.

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 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Ran into financial difficult after a lengthy battle with XXXX XXXX. Lender said they would modify and never did. They filed for foreclosure and wont talk to me. Ive sent in completed loan modification applications without any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXX P.O. Box XXXX, XXXX XXXX. MO XXXX on XX/XX/XXXX I was sent notice from the above for an amount of {$190.00} for a bill from XXXX XXXX from XX/XX/XXXX. I immediately sent XXXX documentation from Social Security/Medicare stating I did not owe this. XXXX is refusing to resolve this issue

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 2019-03-05 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: Credit Karma, LLC
State: NY

Complaint narrative:
I started a Dispute in XX/XX/2018 about how XXXX was reporting payment and balance info. The reporting was corrected. The Dispute was to be removed from my report by XX/XX/2018. It is still listed as an open Dispute and blocks me from any other Disputes. Only one Dispute at a time. The company at fault is Credit Karma. They refuse to acknowledge there is anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Has pull a hard inquiry on my credit which I did not get approved for. Now I am trying to apply for an apartment and this is not allowing me from getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have had this loan for several years. I sold the home in XX/XX/2018. I had an impound account with approx. {$3700.00}. DiTech Claims they sent the check last XXXX ( 2018 ). In XXXX, I contacted them to let them know I have not received it. I have contacted DiTech at least 5 times over the last two+ months. I have promises to refund 7-10 days with no results. At one point they say their bankruptcy prevented them from reimbursing me. I have now had two supervisors promise to do an automatic deposit within 3-5 days ; both have failed to deliver. I just want MY money which I believe was held in a fiduciary relationship. Can you help me get my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Freedom Mortgage Company
State: NJ

Complaint narrative:
Freedom Mortgage reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a XXXX in the family and keep Freedom Mortgage up to date with everything. They told me that they would remove these late payments but they haven't.

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 2019-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MVBA, L.L.C.
State: TX

Complaint narrative:
I was given a post card indicating that I was to pay an alleged traffic offense debt to XXXX Municipal Court back in XX/XX/2018. The post card is not marked, nor stamped by the post office, so I assumed it was another junk mail advertisement, til I turned it over. This was the first in a series of multiple attempts to collect a debt of {$330.00} for failure to control speed. I was never ticketed nor summoned by XXXX Municipal Court. I wrote a letter in response to McCreary, Velseka and Bragg and Allen PC on XX/XX/XXXX2018. They received my letter on XX/XX/XXXX2018. In my correspondence, I demanded they produce the original signature I gave indicating my contract with XXXX XXXX XXXX, and until that original binding contract was submitted for review, all written and telephone communication must cease until said documentation was submitted as valid proof of claim. I was never ticketed nor summoned by XXXX Municipal Court for any or such charges. On XX/XX/XXXX, McCreary and Velsek, Bragg and Allen PC called XXXX Municipal court and had the court contact my personal cell phone number, 1. they violated the original contract submission. They tried to get me to come into the court to produce a signature. I explained without valid proof, I would not be coming to court without an original summons with my signature agreeing to appear. The firm McCreary, Velseka and Bragg and Allen PC continuously send me letters unmarked by postage and post cards threatening my arrest. I tried to call their phone number. I'm left on hold, sent to a voicemailbox that is full and can't accept messages. The court has violated my rights by sending my information without my knowledge or consent to a third party.

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 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: DC

Complaint narrative:
The escrow unit of my mortgage servicing company, Ditech, is supposed to manage and submit payments for real property tax as well homeowner 's insurance. I received my Real Property Tax Bill for the XX/XX/XXXX year from DC and the bill indicates that the real property tax for the second half of XX/XX/XXXX was never paid. Therefore there is an outstanding balance plus a penalty as well as interest. I called DC to confirm that there was indeed an outstanding balance and they calculated the numbers with me over the phone and confirmed that there is indeed a balance. They also told me that because escrow missed this payment, I could request a waiver of the penalty and interest. I then called Ditech to ask them what happened with the missed payment and to get the payment taken care of. First, they told me i received a surplus return from my escrow which has nothing to do with the outstanding tax bill. Second, they told me that Ditech did indeed make the payments. However, I told them that was not true because DC calculated the numbers and I checked the payment history from the escrow, and that payment was in fact not paid. The person i talked to insisted it was paid and tried to hang up on me and said he confirmed this with the manager. Finally, he let me speak to the manager who then put me in touch with the tax department. The tax department claims they never received the bill and said they would take my word for it to make the payment. I told them to make sure they take into account and also request the waiver of penalty and interest so there is no over-payment. They obviously were trying to get rid of me and quickly hung up. I have no confirmation that they will contact DC to get the correct amount or follow through with payment since multiple people gave me different answers. I also have no confirmation that they will request the waiver of interest and penalty fees. Please get this resolved for me so i dont continue to lose money like i did last year when Ditech refused to request an enormous refund i was owed by DC for a massive overpayment. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief