vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
Caliber Home Loans, Inc. ( " Caliber ' ) is the mortgage servicer on our home ; which is held by XXXX XXXX XXXX ( " XXXX '' ). XXXX acquired the mortgage from XXXX at a discount after XXXX came under investigations by the CFPB and other agencies for violations of consumer protection laws, and XXXX paid hundreds of millions of dollars in fines for its mortgage servicing issues. 

Since Caliber has become the servicer, Caliber has engaged in even more violations of law than XXXX. Some specific examples include CalibXXXX 's reporting to the XXXX credit bureaus inaccurate data nearly every month for the last XXXX years, and failing to correct Caliber 's errors. This is a violation of the Fair Credit Reporting Act ( " FCRA '' ). Despite having informed Caliber that we have an attorney in this matter ; Caliber still makes repeated calls to our home, and sends us letters, instead of communicating to our attorney. This is a violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) .. Every monthly statement that we have received from Caliber is wrong, incorrect, makes demands to things not in the mortgage agreement, etc. all of which violates the Truth in Lending Act ( " TILA '' ). Instead of responding to the modification of the mortgage in the time required under law, Caliber took XXXX MONTHS ; which violates RESPA and other laws. Caliber has not been able to provide the correct amount owed on the mortgage. 

Finally, all of the above violations of Federal laws, also are violations of Indiana laws. The amount of civil penalties from all of the above violations, plus legal fees, is greater than any amounts alleged to be owed..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
in XXXX we ask bank of america to refinance our loan to get a lower mortgage payment banker by the name XXXX XXXX at bank of america was helping us got the mortgage down and bank of america dismissed him so i kept calling and calling till finally time went by and i became behind on my mortgage XXXX years total XXXX dollars no way we could catch that up if someone would have answered my call this would have not happened we filled bankruptcy in XXXX for this house there was no way we could get that kind of money the bankruptcy cleared the dept of this house was granted nothing but mortgage statements was sent to me from that point on i thought how are we going to pay that then they sent a loan modification we been paying for XXXX years i think its wrong the bankruptcy cleared us now were paying more than the dept we was cleared for that 's not fair bank of america knew the dept was cleared we did n't know we were bamboozled bank of america never sent anything pretaining to this house far as to leave or turn the house over to them we would have turned it over we did'n know the attorney said the house and dept was cleared we were not responsible. The payments were not recorded to the credit bureau either XXXX years.

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 2017-10-23 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: NY

Complaint narrative:
There are XXXX mortgage accounts that are reported to the XXXX credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those XXXX accounts where paid in full and the accounts were closed on XXXX. The accounts are reporting as joint accounts. However, there are late payments reported. Those XXXX accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the XXXX credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to Transunion, XXXX XXXX XXXX and to this day they keep responding  that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XXXX XXXX 2017 my credit card was utilized for an excess of {$720.00} this amount could be a little off because of additional fees an so forth however I reported this to barclaycard As well to the police and they are still making me pay for it I have a police report in XXXX XXXX Ive spent countless hours going back and forth with my credit card and today they said they are not considering this fraud. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I applied for service XXXX bundle package, home phone, wifi, and XXXX. I received a debt collection for home phone that is active with my service. I attempted to call to clear up wrong information and no such luck. I have a letter that states I am in collections for my home phone, but I am active with service.

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 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
CHASE has been denying use of the credit cards they provided me, even though there has been plenty of credit and cash availability on the cards. I have emailed XXXX XXXX of the CFPB. Please follow with him, he has additional background to share.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am filing a new complaint to dispute the response that American Express recently provided to my CFPB complaint # XXXX, with their Ref : XXXX. 

In their correspondence dated XXXX XXXX, XXXX, they assert that they reviewed a call on XXXX XXXX, XXXX in which I was offered the pay over time feature, that the representative read me a disclosure and that I agreed to the enrollment. 

American Express has clearly changed their position, as stated in their response. In the two previous and lengthy calls that I had with them concerning this complaint, the representatives and the managers who I spoke with, after putting me on hold for long stretches at a time, were insistent to me that I had elected to enroll in this feature online, on the XXXX website. And that this was also the reason they could n't show me any further proof of this transaction. 

So they have now changed their story from what they had adamantly represented as taking place online. I do not want an apology for the 'misunderstanding ' as they referred to it -- what I want is the proof. If in fact they 'reviewed a call on XXXX XXXX, XXXX ', then clearly they have it on tape and I am requesting that this recording be played for me as evidence of their new claim. If in fact these calls are recorded for just this purpose, then it should not be an issue to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My XXXX and I own a XXXX checking account which only had {$25.00} in it most of the time. On XXXX/XXXX/XXXX my XXXX unfortunately gave someone he knew his debit card to make a deposit so he could withdraw some money for himself ( approximately {$400.00} ). The person said to meet him at BOA the following day to make the withdrawal. The person then called BOA, identified himself as my son, and made XXXX separate claims of deposits that were allegedly made but not recorded at the ATM. Both claims were made within XXXX minutes of each other. The second claim was opened up using my debit card information which was never given to him. My son then went to the bank the next day and was asked to withdraw the cash and give it to this person and then take some out for himself as promised by this person. My son did not know that temporary funds were placed into his account. He believe the deposit to be real. 

BOA will not give me any details as to how this person was authorized to get the funds or how he was able to open up a second claim. I realize my XXXX was negligent in giving some of the information, however, there never should have been a second claim opened within XXXX minutes using my information. Something is wrong.

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 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
I 've spoken with Central Financial Control on several occasions to reconcile about the inaccurate items that they are reporting against my credit. They are over XXXX of the same items reporting over and over on my credit that are n't valid. The original creditor XXXX XXXX XXXX violated my privacy, and violated HIPAA by providing this company my medical record, reasoning for me visiting the XXXX department, in which these items were all paid via my health insurance, which was provided time of services. I am now seeking legal advise as to filing a lawsuit against the collection agency, being that I spoke with several representatives and they threaten to ruin my credit because they are n't removing anything. Which is a violation of FDCPA to communicate threats. I want all of these items resolved within the next XXXX days otherwise I will pursue further with a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Received a letter from Sequoia Financial Services ( based in XXXX XXXX, CA ) a few months ago that my wife owed a debt of {$1500.00} to " XXXX XXXX XXXX '' that they were trying to collect. My wife and I have never been to that city, and are both on top of our debts. I ignored the letter. 
Received another letter ( dated XXXX/XXXX/XXXX ) that they were adding interest and would ding our credit score if we did not pay. I looked up Sequoia Financial on XXXX and all the reviews said this company is a scam. I checked both of our credit reports, and both are fine, no missed payments. I ignored the letter. 
Have now received two phone calls from this company, asking for my wife to contact them. We have not returned the phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Bessemer, Inc
State: AL

Complaint narrative:
I called this company on XXXX XXXX. The company agent stated she would investigate my concern as I informed her that the debt stated is not my debt and it should be removed. She stated I would have a letter stating the outcome of said investigation in 30 days which I have not gotten any said letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I have asked Cavalry, repeatedly, in writing on XXXX 2017 and XXXX XXXX, 2017, to verify this debt ; including, the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) the date of which said debt was initially considered delinquent ; ( 4 ) Proof that you are licensed to collect debts in Illinois As of today, they have not provided me with the information requested. They have only sent a letter acknowledging my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RGL Associates, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX pm, I received a recorded phone message that stated it was for me and then continued to discuss information related to their business with me, stating that they would recommend action against me, etc if I did not respond. I pushed " XXXX '' to speak with a person to get their contact information to send a CEASE AND DESIST letter. The lady who answered was very rude and refused to identify herself nor the company. She hung up on me once I tried to get the address. She also had such a horrible attitude with me and asked " Who do you think you 're talking to? '' at one point. I contacted the company again and was able to get their name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
unable to access account ... & change password ... email response arrives NEXT DAY even though it ( authorization code ) was requested the day BEFORE ( ten minutes to respond is NOT being followed by BARCLAY ... this has been/is an ongoing problem

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 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select portfolio serving is saying I 'm late default of morgage even though I 'm not holding funds in suspense never applied it like they should and not reflect in principle balance correctly!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
I 've spoken to Syndicated Office Systems several of times about these inaccurate accounts that were placed on my credit by them. I have over XXXX items being reported that are for XXXX the same accounts and for XXXX they are n't supposed to be on my credit nor in collections because they were taken care of with my insurance company. About XXXX weeks ago I spoke with a rude rep whom I 've advised of this matter once again and she told me that they will continue to ruin my credit and will continue to report no matter if they are accurate or not. I advised her to place me on their do not call registry she said no and called me XXXX times back to back. I am seeking legal advise from an attorney because I am wanting to file a lawsuit, if we ca n't work together to get these inaccurate items removed from my credit within the next XXXX days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I applied for a mortgage modification in XXXX XXXX with SLS, provided every required document, replied to every letter requesting additional supporting documents. Soon it will be XXXX months since I originally applied, I have called over XXXX times for an update and every time I call the XXXX XXXX says " application not complete '' I then opt to speak to a representative. I wait on hold every time I call at least XXXX minutes, speak to a customer service rep, they verify, that in fact, the most recent request for additional supporting documents has been received and tell me " the application is complete '' ; I wait and call again the following week to learn that another document that was previously submitted has now expired because the underwriter had not made a decision in the amount of time provided and as a consequence the document is no longer valid. The most recent delay was because the underwriter wanted to know why my mailing address was a XXXX XXXX XXXX of the property address ; this is when I realized that they do not have any intention of assisting me in this loan modification and that they are simply wasting time to then request the same documents all over again. I provided a letter of explanation and it was received. I called again last week and there was a question regarding my tax return, I answered the question and the representative on a recorded line again stated that the underwriter was satisfied. Today, however, I called again and today 's response was " we need another letter of explanation because the original letter is more than 90 days old ''. This sequence of events has reoccurred over and over again leading me to believe that they maliciously make it so time consuming and tedious that most people simply give up and default on they 're loan. Please note that I have never been late or defaulted on my loan in the past.

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 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Back in XXXX XXXX incorrectly charged me for service that I did not have. This incorrect debt got sent to collections but after resolving with XXXX ( they realized I was wrongly billed XXXX $ XXXX and disputing it was removed from my credit report. 

Now a year later in XXXX, the debt collection agency " IC System '' has reopened this collection and negatively affected my credit.

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 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to Transunion report number XXXX The following addresses have been PREVIOUSLY reported incorrect and are still showing XXXX ). XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX The following Inquiries were not made by me and have been requested many times to be removed. 

XXXX ). XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX. XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX DC 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 2017-10-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: WI

Complaint narrative:
On XXXX i requested a loan with Avant. Upon receiving a denial email i called to try to find out why as i just had a loan thru them that got paid off. I was informed that that info was unavailable over the phone and the rep could submit the request for a denial letter with more detail to be mailed to me. I made that request and as of XXXX i have yet to receive such letter in the mail.

Company response to consumer: Closed with explanation