vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid my XXXX chargecard in person in the amount of {$1500.00} by cashiers check drawn on XXXX which was the payoff amount provided by the XXXX customer service representative to the XXXX representative. While inside the XXXX I asked the representative for a pair of scissors and I immediately cut the XXXX chargecard up. I received a statement in XX/XX/XXXX and then another statement in XX/XX/XXXX with a balance. On XX/XX/XXXX I wrote XXXX and advised them that I had paid my account in full and I was unsure as to why I was receiving statements dated XX/XX/XXXX and then again on XX/XX/XXXX stating that I was past due on my account. On XX/XX/XXXX, I received a letter from Credit Control LLC which stated that my account had been placed with their company for collection. I informed Credit Control LLC that my company was a victim of cyber-intusion in XX/XX/XXXX and that I was provided with a year of credit monitoring. Then I was a victim of bank credit card fraud while banking with XXXX in XX/XX/XXXX/XX/XX/XXXX. When I filed the paperwork with XXXX for reimbursement of the unauthorized transaction, I was advised to call the local police, which I did and made a police report and to also call the FTC to notify them of the incident so that a special alert of instruction would be placed on my credit file. I wrote Credit Control , LLC on XX/XX/XXXX advising them that I was disputing the validity of the balance of {$1700.00} on my XXXX account number. I provided Credit Control LLC with the same information that I had mailed to XXXX. I then received a letter from Credit Control LLC shortly thereafter stating that my account had been discharged. Then in XX/XX/XXXX I began to receive letters again from Credit Control LLC advising me that I was being held responsible for the unpaid balance on the XXXX credit account. 
Upon further review of the letters from Credit Control , LLC, letters dated in XX/XX/XXXX were from the Creditor : XXXX and then the letters that I began receiving in XX/XX/XXXX from Credit Control , LLC are from Creditor XXXX for XXXX. 

It is my contention that I did not make the charges listed on the XXXX account and that I should not be held responsible for them. I also believe that it is possible that from the time period of XX/XX/XXXX up through XX/XX/XXXX, that somehow my account payment was not posted to my account. However without actually having copies of the XXXX account statements from XX/XX/XXXX through XX/XX/XXXX, I can not substantiate my claim.

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 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
forced placed coverage my mortgage company put a {$2000.00} plus coverage .on my mortgage they put maximum amount of coverage i payed to have survey to prove no flood zone so they removed the policy so now i pay around {$200.00} extra until i pay off the {$2000.00} coverage please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Advanced Collection Bureau, Inc.
State: IL

Complaint narrative:
i have a collection on my credit from advanced collection for {$24000.00} from   XXXX    XXXX . i have tried to contact both agencys and was told they could not provide me with any documentation where i authorized these charges or have any knowledge of being charged for this or what they are for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I just found out through my credit report that the debt collection reported a balance of {$150.00}. I have never been notified of the debt or offered a payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
My complaint is on Ditech,  XXXX   XXXX   XXXX , countrywide and Greentree. I have been battling this for over 6 years. My husband passed away and my income was cut in half I had to close my buisiness and my only child almost passed 6 months after his Dad. I got behind on my mortgage because of this. I tried to get  XXXX   XXXX   XXXX  to refinance my home which they said they would. I have every piece of paper work. Everytime they get all my information they switch me to another account representative and here I go again in circles. My account is so far behind and they are forclosing on me in a month. I need help. I know this was not handled in a proper manner. My   XXXX   is back and I need a refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
THIS COMPANY CALLED ME ATLEAST 8 TIMES A DAY AND I HAD ASKED THEM REPEATEDLY TO STOP HARASSING ME. EVEN AFTER MY DEBT REPAYMENT PLAN WAS PAID THEY CONTINUED TO CALL NON STOP AND SAID THEY ARE ABLE TO CALL ATLEAST 10 TIMES A DAY. THEY WERE OBNOXIOUS, RUDE AND MADE PROMISES TO DELETE DEBT FROM MY CREDIT REPORT AND THEY DID NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting acollection from   XXXX   #  XXXX , shows the original creditor as  XXXX   XXXX   . I  have not has  XXXX   XXXX  in ove r 10  yrs

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 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: AL

Complaint narrative:
This collection is for an early termination fee for cell phone service from  XXXX   XXXX . First of all I have successfully disputed this debt several times and it was removed from my credit report. Then the  Debt collector sold the Debt to another Debt c ollection agency and it appears back on my credit report. The dates of the erroneous debt was falsified prior to being sold to the next Collection agency to make it appear as a recent and valid dated outstanding debt. This is actually a very old account and that in itself should warrant its removal. As to the original early termination fee charged by  XXXX   XXXX .  1  ) I was a long standing customer of  XXXX   XXXX  and was never late with a Paymen t 2 ) S ince had the service for a very long time I was no longer under contract with  XXXX   XXXX  therefore an early termination fee would not app ly. 3 ) I  contacted  XXXX   XXXX  in writing 30 days prior to terminating the service. I do not owe this money and I will never pay this invalid bill because I do not owe it. But it has taken up a huge amount of my time responding to the false charge. Please assist me in its removal. This negatively impact me in several ways. If this charge had appeared when I recently refinanced my house it would have resulted in a higher interest rate which would have affected me financially for years. This is a predatory collection. I understand its their business. But I have to work for my money and Im not giving it away for free. That would equate to letting them steal from me. That 's not happening. Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: TX

Complaint narrative:
these people keep calling my cell phone looking for a  XXXX   XXXX . I am NOT  XXXX   XXXX  and I told this "   XXXX   XXXX   '' at extension  XXXX  to quit calling my phone.     She proceeded to tell me I was a liar, and that I am too  XXXX . I told her to quit calling me. She wo n't quit calling me. I keep receiving voice mails after blocking her that state " This message is for  XXXX   XXXX  my name is  XXXX   XXXX  and it is urgent thatyou give me a call back today at  XXXX  extension  XXXX . If we do n't hear back from you today legal action will be taken. '' Make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Mediation
State: CA

Complaint narrative:
Recieved several calls from American Mediation regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including one that would be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony bank was very unprofessional on how they treated me lied and gave me incorrect information multiple times on different calls. No one will trey to help me I 'm asking to have my credit limit adjusted back to what it was because of a simple mistake on my end because I forgot to pay a {$16.00} bill they adjusted my line of credit from  XXXX  to  XXXX  which is a huge decrease I have already made the payment and asked if they could make an exception and help me since it was am honest mistake. It seems like no one is willing to do anything about it and says it can not be manually changed I think that is a lie and they are chosing not to. Never did I receive a notice ahead of time saying if we do n't receive payment there is a possibility we  XXXX  make a change to you loc. I wish I was notified before this change was made to have the opportunity to fix the situation if it was irreversible. I am deeply disappointed on how I have been treated and the inability of the company to do anything to help a card member ov er 1 la te payment. I honestly do not feel like the company handled correct products and procedures at all.

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 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: VERITAS FUNDING, LLC
State: UT

Complaint narrative:
I applied for a loan through Veritas lending in  XXXX , Utah. Half -way through the process, the loan officer could not answer certain questions about how much I would need to pay out of pocket at home closing, and so I switched lenders. Veritas, who was the preferred vendor for  XXXX   XXXX  construction, then increased my building costs by {$1400.00}. The told me because I went with another lender, I did not qualify for certain discounts. However, the discounts were never explained beforehand, and I was never given a choice. I feel that both Veritas and  XXXX   XXXX  should have explained the discounts up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the bankruptcy listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 2017-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF THE WEST
State: VA

Complaint narrative:
Back in late  XXXX , early  XXXX  i spoke to the manager at the bank that financed my car and explained my situation. At that time i was in the process of starting a new job and made payment arrangements with the same manager. The payment arrangements were that i pay  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I had informed her that when i first get paid at my new job that i would not have a full paycheck to make the payments for  XXXX . Towards the end of  XXXX , i had a family emergency and that i could work, due to my family bereavement and emergency. And now they do not want to work out anything with as of now because the vehicle is in the process in being set up for repossession. Since I left my previous job in late  XXXX  of this year, i have obtain new employment with a different agency and obviously i can not afford to pay what i owe right now because i have not got paid yet with my new employer.

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 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
We received a letter from  Receivables Performance Management s aying we owed {$97.00} for an outstanding bill from  XXXX   XXXX   XXXX . We called  XXXX   XXXX   XXXX   cell service  and  XXXX   XXXX   XXXX   XXXX   XXXX  and both said we do not owe anything to either division. We are concerned our credit rating will be affected for something  XXXX   XXXX   XXXX  states we do not owe.

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 2017-04-20 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
from  XXXX -2017 I have been asking AMSHER COLLECTIONS SERVICES for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
To whom it  may concern at Navient 's Office of the  Customer Advocate, I would like to complain about what I believe is a misleading and predatory practice.     I was able to resolve this issue for myself but I would like to go on record with my objection to it.     I have  XXXX  student loan through Navient from classes taken a few years ago which I make monthly autopayments on.     Yesterday I paid for classes at my new  XXXX  's program via the University 's web portal with NO intention of deferring my current loans or stopping my autopay function.     Today I received an email from Navient announcing, " Congratulations, your request for deferment has been approved! Please log in to your account for more detailed information about your deferment. '' I did NOT make a request for deferment. I found this email alarming and assumed someone had broken into my account.     On my account homepage, I found out my autopay feature had been removed and there was no way to even DECLINE or RESET the deferment which was set  until 2020.      I just got off the phone with a customer service rep and had to insist he REMOVE the deferment that was preventing me from signing up for autopay.     Please add this to the list of practices that are obviously designed to prevent customers from making thoughtful decisions about their loan management and entrap them into years more of debt than they even requested.     I also sent a copy of this message to the Consumer Financial Protection Bureau.     Thank you.      XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On  XXXX   XXXX , I paid {$1000.00} to my  XXXX   XXXX  card with Comenity bank. The language on the site says that payment posted prior to  XXXX  EDT will be posted the same day. On  XXXX   XXXX , i checked my account online and saw the {$1700.00} in available credit (  XXXX  previously plus  XXXX  payment ). When i attemped a transaction it was rejected. I call the customer service number and again was told I had  XXXX  in available credit through the automated system. The agent on the phone also said thay, but said it was " really '' available. I spoke with the supervisor  XXXX  in Kansas, and she said I would not have any available credit until the payment processed. I asked if there was anywhere where this was disclosed and was told no. She agreed that the wording on the website could be misleading, but I would just have to wait for the payment to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC
State: NJ

Complaint narrative:
Pacific Union Financial  sent a Collection of Debt Email to myself and  XXXX  others to my family email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Mortgage loan closed on  XX/XX/XX  and lender noted lender 's credit on closing docs.   On  XX/XX/XX  recd  XXXX  from lender noting other income. In query to lender advised first narrative that this was a homeowner grant - disputed ; then after appro x 2 pl us weeks was advised this was a origination assistance and  XXXX  was amended and reduced the amount from {$1500.00} to {$950.00} still disputed as none of these narratives appear on the closing docs and third narrative was this was as GIFT? With filing my taxes and adding the {$950.00} to my adjusted income I 'm at a loss of refund from Federal/State of approx {$300.00}.   Have requested numerous times a letter from lender explaining the situation and yet to receive. This has been disputed continually almost daily with the lender and have all history of phone calls and lender staff from the mortgage banker who initially processed the loan application to several Escalation Managers etc. without a satisfactory explanation.   Mortgage banker aware of the credit yet never aware that it would result in other income!      XXXX   XXXX   o n loan application, underwriter 's docs and closing docs show the amount of {$1600.00}.

Company response to consumer: Closed with explanation