vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC

Complaint narrative:
I received a bill that stated that my forbearance ends XX/XX/XXXX and I would need to begin making payments beginning XX/XX/XXXX. First payment amount was {$82.00}. 
I had scheduled " bill pay '' of {$140.00} ( I had planned to pay more than what was due - {$82.00} ) with my bank. 
I realized that my bill pay would not happen BEFORE XX/XX/XXXX, so I cancelled the bill pay and contacted both XXXX notifying them and then I also contacted XXXX State University. 
I made the XXXX payment XXXX {$82.00} ) on XX/XX/XXXX using the XXXX payment system. I paid a ~ {$4.00} fee to do so. I did not pay the {$140.00} that I had planned because the fee attached was based on the amount of the payment so to keep the fee low, I only paid what was due. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 
My next payment of {$40.00} was due on XX/XX/XXXX. I made that payment via my bank 's bill pay system. That check was cashed on XX/XX/2018. 

I have been in repayment status since XX/XX/2018 ( 3 months ).  Since I have made payments for all amounts due, when they were due and in the amount due, how is it that I have {$140.00} past due? They claimed I was three months behind in payments when I made all of the payments ( see below )? That does not add up. 
Please see the table below that shows a breakdown of payments due and payments made. The amount due ( {$160.00} ) is equal to the amount paid ( {$160.00} ) It appears that they sent me a past due bill for the {$140.00} payment that I cancelled. That was NOT an invoiced amount. The invoiced amount was {$82.00} and that was paid, in full, on XX/XX/XXXX. 

Due Date Amount Due Amount Paid Paid date Check # check cashed date XX/XX/2018 {$82.00} {$82.00} XX/XX/2018 N/A N/A used XXXX system XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 {$40.00} {$40.00} XX/XX/2018 XXXX/XXXX/4625 XX/XX/2018 TOTAL {$160.00} {$160.00} XXXX corrected my payment records and account, but they reported to the credit bureaus that I was 60 days past due, even though I wasn't. 
I contacted heartland XXXX  and XXXX State University twice via email to see if they have corrected my credit reports. I have not received a response from either XXXX or XXXX State University.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
Cavalry SPV 1, LLC, keeps sending documents saying I owe a debt to them. I dont know who these people are and why they are sending statements that arent mine. On XX/XX/2018 I sent letters to them through the XXXX Returned receipt XXXX XXXX. I requested VALIDATION. So far they can not VALIDATE this debt and send copies of statements that arent mine. They have violated FCRA, FDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
the same woman repeatedly calls about 3-4 times each week. she also calls my mother the same amount of times. she over talks me. she is very rude and threatening she works for a company called 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 2018-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
The number they are calling at XXXX is a work number and I have identified it as such. They call two or three times daily and they alternate from work phone to personal phone. It is becoming insane and I am involved with debt management and they are aware and asked me to file a complaint. 


XXXX 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 2018-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
In response to CFPB compliant # XXXX I requested for TRANSWORLD SYSTEM INC in my last compliant to stop all collection attempts and they ignored that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
AFTER RECEIVING A LETTER FROM THE XXXX XXXX XXXX XXXX XXXX I DID RECEIVE INFORMATION CONCERNINGWHAT THIS WAS ALL ABOUT, THIS WAS FROM MY OLD ADDRESSS IN MY NAME ONLY. MY HUSDAND AND MYSELF MOVED FROM IN 2013. TO ANOTHER STATE. I NEVER MADE PURCHASES FROM XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc.
State: NY

Complaint narrative:
On Tuesday, XX/XX/2018 I received by postal mail a " final notification '' in an " attempt to clear a balance '' from " XXXX XXXX, '' XXXX, Florida on behalf of " XXXX XXXX XXXX XXXX '' suggesting that I pay them {>= $1,000,000}!!! This is clearly an attempt to initiate contact with the intent to defraud.

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 2018-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
XXXX is stating that I owe over {$600.00} dollars in debt to the XXXX XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX XXXX and they do not show a balance on my account. I do believe I paid them slightly past the due date but I did call and settle the bill with XXXX. XXXX is stating that I will still owe the money with them and it could affect my credit. If XXXX shows no balance than there is nothing to report on my credit and no reason that medicredit should still have reason to call my wife and I four times a 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 explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In the XXXX statement for the Union Plus charge card managed by Capitol One bank,  there were fraudulent charges for items that we had not purchased. We contacted the bank and told them that these charges were fraudulent. We received a letter from Capital One stating that " We want to assure you that you won't be liable for any unauthorized charges. '' And this letter stated that our account was refunded for the unauthorized charges. We thought that the matter was taken care of. On our new statement the fraudulent charges are back and we are being asked to pay these charges, even though they are still fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Clarity Services
State: PA

Complaint narrative:
Clarity Services Inc on XX/XX/XXXX is showing 4 times on my XXXX credit file for web loan with different PO Boxes and address. I have not applied nor no this company. I have also opt out since XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX opt out of sharing or any promotions and this should not be showing on my credit file. XXXX is violating my rights after mailing them an opt out and selling or agreed with Clarity Services Inc I also want to seek damages on XXXX for allowing this to happen. I also want damages from Clarity Services Inc there deceptive practices. 
Experian Report # XXXX for XX/XX/XXXX page 14 of 16

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, we refinanced our mortgage and paid off our Wells Fargo mortgage. Also, the property taxes, in the amount of {$4300.00} was paid in full. When my wife and I returned home there was a mortgage statement, which indicated that another payment in the amount of {$2400.00} had been taken out as an automatic draft ( that had already been paid with the refi ) and Wells Fargo had taken out property taxes from escrow. 
I called WF 2 weeks ago to ask when we would receive our escrow and extra payment refund, and they indicated by XX/XX/XXXX. Since today is XX/XX/XXXX, I called today to see why we haven't received it. They indicated that it was mailed XX/XX/XXXX and it would take 7-10 business days to arrive. The amount was {$2400.00}. That seems low, but I didn't give the rep a chance to explain. 
In addition, I found that XXXX XXXX received the taxes from WF AFTER the refi,  and that they would be refunding that to WF in the next 30 days. Based on the escrow payment, we should receive our refund of taxes in XX/XX/XXXX, two months after the refi. 
It is apparent that Wells Fargo is taking advantage of the float as long as possible.

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 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BAC directed us to contact the assigned customer relationship manager ( CRM ) XXXX XXXX, at XXXX, extension XXXX, in order to initiate a short sale review. 

We have called several times and left several voicemails both for XXXX and her manager. Neither XXXX nor her manager will call us back. 

****No one at BAC will follow the direction of their own Resolution Specialist, XXXX XXXX from their Regulatory Complaints department. **** -- -see attached from XXXX XXXX XXXX 

THIS IS NOT ACCEPTABLE. 

CC : XXXX XXXX, California Attorney General

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 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
Ocwen Loan Servicing failed to resolve unfair deceptive issues before they transferred or sold my mortgage to XXXX XXXX XXXX. I requested loan remodification under the Harp Program when I took very ill and missed 2 payments. Instead Ocwen inaccurately adjusted my mortgage to a higher amount ( initially XXXX XXXX-payment {$300.00} for 240 months at 9.90 % interest rate ; in XX/XX/XXXX-balance of {$36000.00} was modified by Ocwen ),  did their own modification, and did not apply my previous payments of over 10 years prior. After months of inquiries and unresolved complaints, Ocwen transferred my mortgage. My mortgage suppose to be {$0.00} this year. After I inquired to my current mortgager, XXXX XXXX XXXX of final payment, I was informed they had to investigate and review file as mortgage info was confusing and not accurate in file. Now again, XXXX is transferring mortgage to another company also. I never missed but 2 payments which was in XX/XX/XXXXwhen I became ill ( was on XXXX ) and those payments were brought current in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I bought ring for my wife from zales in XXXX dollars 3 years ago I had to pay minimum of XXXX dollars per month this is what the the sales man told me and I did the same thing.After 2 years I got a bill of XXXX dollars with interest charge so it came to the same amount where it started.They never send me any notice or email saying that I have to pay my bill in 2 years otherwise they will charge me interest.I tried to explain them but they don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
I made arrangement to pay Statebridge Mortgage HOA fees they paid on my behalf in XX/XX/2018. 
Had a payment plan with them to pay XXXX XXXX monthly. 
The first month it was due was XX/XX/2018. I sent a check, but unfortunately I wrote {$24.00} in the check box. The correct amount of {$2400.00} was written out. 

Statebridge returned check. I sent a money order. For Two months I sent them my payments. 

In XX/XX/XXXX they sent a mortgage statement saying I owed {$10000.00}. I called. They said the payment plan was canceled because the 1st payment got to them late. They never called to say the plan was cancelled. The account was under Loss Mitigation. 

They held on to the money order, the 2 checks, then referred it to an attorney almost 4 months after. 

The check they returned could have been cashed because once the correct amount is written its acceptable. 

I now racked up attorney fees because of their underhanded tactics. 

As of 2 weeks ago I paid them over {$14000.00}. 

I would like to file this complaint because Im sick of the illegal tactics being used by these companies & they being allowed to get away with it. 

I would therefore like to regain the attorneys fees I paid. 

To understand how they operate, every week at a total of about 3 calls a week, some rep called asking about how I intend to pay. Its like the left hand didnt know what the right was doing. They never had it in their records that it was referred to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I Called customer service last XX/XX/XXXX about the non availability of chase bank in Maryland. SInce I needed my money, I asked for an increased in withdrawal. I was approved to make a {$1000.00} instead of the usual {$500.00} dollars only. I was told to call back so they can reverse the fee. It was not reversed. 
ON that day also, I issued a check to my sister since depositing at her account would allow me to get my money from her. However, I was charged for a {$34.00} fee for insufficient funds after depositing {$1000.00}. I was told it was late already and the cut off was over. I would like to request that I be that fee be reversed. 
ON XX/XX/XXXX I was charged another {$34.00} for a {$9.00} charged. This is outrageous. IF they never charged me {$34.00} and {$2.00} ATM fees, these should have not happened in the first place. 
I want to file this complaint for outrageous fees that the bank continuously charged for hard working citizen who lives paycheck to paycheck where a dollar counts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for the XXXX XXXX Citibank XXXX XXXX card. I found out I was denied because they couldnt verify my information. I was confused so I called and they told me to call experian. I call experian and experian said there is zero reason to deny me ( XXXX credit score, income of XXXX, and never have missed a payment ). 

I went around and around until I finally got someone who gave me an answer. One person said my address didnt match what was on the credit bureau.. The other person said it was seniority of addresses on the credit bureau. Either way they clearly were just trying to find an excuse since I had zero reason to be denied. I finally talk to a manager and I explained to him I move every 3-6 months for work and can provide every address I have lived at for the last two years and get verification that I am required to move this often for my job. He refused any documentation and said I would not be allowed a credit card unless I have an address in the future that i stay at for a longer period of time. I said that is impossible.. I would have to get a new job and youre now denying me a new job or asking me to submit tax fraud ( by law I have to pay taxes in the state Im currently working in so I have to change my address everytime my company moves me ). I was denied based on my job and not because of income, credit score, or any true factor of it I was eligible for a credit card. I can not change my line of work and offered any verification you needed and they refused 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 2018-08-28 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
As you requested the following is a Statement of the Facts as they pertain to my complaint to Chase Credit Card Services for damaging my credit. 

Chase Credit Card Services collected automatic monthly payments from my checking account in the amount of {$240.00} per month as agreed with one of their representatives to pay off my existing balance. The payments started in XX/XX/XXXX. My intention was to pay off the balance in a timely manner and repair my credit. The account has been closed since that time, and I have been receiving email statments which I have not reviewed mainly becuase the has been closed and my communication with Chase has been on the phone when they call to renew my auto payments. My reasoning for not paying off the account was to reestablish my credit payment history. The recession caused my to loose 75 % of my income and I was unable to manage my credit cards. 

On XX/XX/XXXX I checked my credit score on XXXX XXXX and discovered the error and immediatley made contact with Chase and paid off the unpaid balance based on my phone conversation. I spoke with two different people in the credit department and explained my situation and neither one of them offered any resolution to my dilema. 

Chase Credit Card Services has reported me to the credit reporting agencies 90 -120 days late since XX/XX/XXXX to date XX/XX/XXXX. My credit has been damaged in a dramatic way. In talking with a lender they should have applied my payments toward the unpaid balance first. It was never explained to me an unpaid balance was just sitting their causing the late reporting. 

I requested a copy of the my statements, which I have in my possession and can send to you if needed. 

Please let me know if you need further information from me. I have copies of my statements. I will also contact the Consumer Finance Protection Bureau for help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have submitted a dispute on XXXX XXXX to this company about this debt. They have completely wrong dates on the account. I have asked for the original contract for the debt. I have never been notified by this company until I saw it on my credit and called them. All that call did was made them change the date on my credit report for no reason. The dates are wrong and everything else about this account is wrong. I was also never notified about the debt. They have never made the attempt to show me what the original debt was or for what.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX on XX/XX/XXXX is showing 4 times on my Experian credit file for web loan with different PO Boxes and address. I have not applied nor no this company. I have also opt out since XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX opt out of sharing or any promotions and this should not be showing on my credit file. Experian is violating my rights after mailing them an opt out and selling or agreed with XXXX XXXX XXXX I also want to seek damages on Experian for allowing this to happen. I also want damages from XXXX XXXX XXXX there deceptive practices. 
Experian Report # XXXX for XX/XX/XXXX page 14 of 16

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 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
It is impossible to close my month to month membership with experian.com. when i call, the only options through the automated system are to report fraud or to request a credit report copy. When you search through the site on how to cancel, they direct you to the membership profile page but its a read only platform that doesnt allow you to cancel or reduce your coverage as they claim you can do.

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 2018-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC
State: TX

Complaint narrative:
I have had an auto lease with Motolease LLC that was closed last year. However, for some reason they still report that this account is active and past due. This is not correct information reporting on my credit file.

Company response to consumer: Closed with explanation