vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management received our change of address over 60 days ago. Still continuously calls prior XXXX and more than 3x daily. I have communicated with them on lengthy phone calls the financial situation ; however, the calls still continue outside of regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 I used the Bank of America ATM ( Terminal ID : XXXX ; XXXX XXXX XXXX, FL ) to withdraw cash from my XXXX XXXX XXXX XXXX XXXX account. The transaction didn't go through. The terminal did't provide the cash or receipt. 

First, I contacted Bank of America starting on XX/XX/XXXX. They told me to contact XXXX. that's when the back and forth with both banks started. 
I received a letter from XXXX dated XX/XX/XXXX with a copy of the receipt for that transaction. I appealed that evidence. Yesterday I submitted a complaint against XXXX with your Bureau. Today I will like you to contact Bank of America. 

Bank of America : case # XXXX XXXX XXXX XXXX XXXX XXXX : claim # 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 2019-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I graduated from XXXX on XX/XX/2019. I was supposed to be in a 6 month grace period until payments start. I am also a transfer student and begin XXXX College for more than 1/2 time on XX/XX/19. Unfortunately, FedLoan ignored the grace period and has been harassing me since I graduated and demanded payments begin on XX/XX/2019. My mom, XXXX XXXX SS # XXXX, also has a ParentPlus loan with FedLoan and she is having the same issue so I am filing this complaint for both of us. 

I have updated my " transfer '' status numerous times beginning on XX/XX/2019 only to receive the following response : " Thank you for using the school/grace update feature! 
Generally, we receive weekly updates from your school automatically, but it may take some time for your in-school status to be confirmed. This update can happen before you start school or in some situations not until you've already started your new classes. 
If we don't hear from your school closer to your class start date, we will follow up with you to provide next steps if needed. '' I have also followed up with an email explaining my situation ; however, I have never received a reply to my emails to customer service : " XXXX Thank you for contacting us! 
We received your School Enrollment Status question, and will get back to you as soon as possible.In the meantime you can review your account details through Account Access. '' My credit report has been affected. Bottom line, regardless of my school notifying FedLoan, I was  supposed to be in a 6 month grace period and FedLoan completely disregarded. Not to mention, XXXX has notified FedLoan that I  transferred to XXXX and will begin school on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Received trial modification agreement from Mr. Cooper made 2 trial payments to Mr. Cooper, last payment was made on line per their written instructions. The payment posted to my account on Mr. Cooper website but the funds were not withdrawn from my account. Mr. Cooper sent me a letter canceling the modification trial period stating I defaulted on my payments. I was instructed to resubmit the modification request to stop the foreclosure sale of my home. The mortgage modification request has been submitted per Mr. Cooper. Mr. Cooper has collected funds for the trial but you are trying to foreclose on my home. XX/XX/XXXX, XXXXSpoke with XXXX, Ext # : XXXX with Mr. Cooper, I advised that I was calling to inquire about trial payments because payments were still in my account. He stated that Mr. Copper system show I paid for XXXX, XXXX and they were waiting on XXXX,. He's not sure what Mrs. XXXX was looking at but they have received her trial payments Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
DATE : XX/XX/XXXX TO : THE CONSUMER FINANCE BUREAU FROM : XXXX XXXX XXXX XXXX FLORIDA / XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX AIR Duct removal and installation Job XXXX XX/XX/XXXX PLEASE HELP PLEASE HELP PLEASE HELP PLEASE HELP 1 - XXXX XXXX XXXX of XXXX said that my moms air conditioning needed new Air Ducts XX/XX/XXXX 2 - Mom is XXXX years old - Gets XXXX a month from Social Security Benefits All that she has 3- Estimate was XXXX 4- Mom could not get financing on her own She did not consult an attorney nor let me know. 
5- XXXX suggested the XXXX program, a government program for home maintenance loans 6- She was approved by XXXX who did not qualify my mom for the loan or give details on payments or give her a copy of the contract by mail. They said she would be billed through her tax bill the following year XXXX. 
7- Ducts were installed 8- Tax Bill came in XXXX that specified her normal taxes of {$500.00} plus the loan fee of {$1600.00} due. 
9- She could not pay the additional fee on the bill. 
10- Speaking to XXXX she told them she could not pay this bill 11- They said she may have to sell her house 12- XXXX also forwarded a negative balance of {$1600.00} to my moms reverse mortgage account with ( The Money Store ACCOUNT XXXX ) 13- I helped her file for bankruptcy six months ago through Upright Law but their attorney would not help. 

Please Help - Yours truly, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2019, I went into the Chase XXXX XXXX XXXX XXXX in XXXX Ca. XXXX. 

I was helped by XXXX XXXX ( MNLS ID : XXXX ). My financial goal was to see if Chase had a balance transfer offer better than the one I received from XXXX XXXX. 

I showed her my Freedom card explaining wed like to transfer the balance for a 0 % APR and agreed to the fee of {$99.00}. After speaking with my husband on the phone, we went through the process and I signed the paperwork electronically. 

I was told : Yes, I could transfer the balance from my Freedom card to my new Freedom Unlimited card. 

The fee was {$99.00} And that I had received the best annual APR she had ever seen for my new Chase Freedom Unlimited at 11 %. 

Everything she told me was a lie. I was lied to and electronically signed paper work no one will give me ( neither the Branch or Corporate Office ), stating it doesnt exist. I would think I made a mistake, however, I called my husband from the branch office. I explained the offer, in front of XXXX, and stated all the terms with him before I signed everything. I also, have my letter of denial for the balance transfer. Why would I sign an agreement for a balance transfer if their company policy does not allow one between Chase cards? If it didnt happen and paperwork was never signed why do I have a denial letter from Chase? 

I have patiently gone through Chases process to rectify the situation, even speaking with XXXX and XXXX ( XXXX ) in their corporate office. XXXX led me to believe the actual branch was trying to do something to help my family but when I went in and spoke with the branch manager she said this was the type of thing to be handled at the corporate level. A very frustrating runaround. 

What I have come to understand is the Corporate Office will not help my family because the Branch will not admit making a mistake or " lying '' to fraudulently have me open another card with a higher credit balance and possibly higher APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I am having issues using my XXXX XXXX XXXX XXXX and XXXX XXXX payment of interest during my time of service with my student loan provider ( FedLoan ). I submitted an interest payment request through my.americorps.gov portal on XX/XX/2019 and it still shows " pending institution action, '' institution being FedLoan. I  sent an email to FedLoan last week about this issue and have not hard back. Before my student loan provider was switched to FedLoan, I had no issues with XXXX processing requests very quickly from my.americorps.gov XXXX. I worry about how long this request has taken and how it will impact possible capitalized interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
When the calls started I was at work I would answer and let them know that I could not speak with then right now I was at work if they could reach me at a later time to discuss the matter at hand. They were very rude and demanding that I speak with them now would not take not right now for an answer ... being that I was at work I would have to hang up they wld call back repeatedly by they I mean ( IQ Data ) the calls were more than 2x a day  even after I had already spoke with them once that day they would call back with in minutes talking about how this would go into legal action if not handled right then and there. Again I was at work but that was no exception to them. I'm not sure if this will help but I'll be filing a formal complaint with the states attorney about this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Associates Loan Servicing LLC
State: OK

Complaint narrative:
Received a notice that the company purchased the account and turned it over for collection. The letter states that the the last payment was made on XX/XX/2006. There is no judgment against me for this. The statute of limitations has run out. They have had 13 years to contact me and this letter does not seem legitimate. I do not recognize the original creditor. Contacted them requesting original documentation, but the verification process required me to provide them with information they do not have. The verification process was odd. I called them with an attorney present and they kept putting us on hold to speak privately. They refused to send the documentation unless I provided them with an email address and my current phone number. I believe by contacting me at this time the new company is attempting to " re-age '' the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Lvnv funding LLC is calling all hours repeatedly, and saying there from the social security office

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber home loans canceled my trial modification, because they said that I did not send in my final payment, or that I may have sent it to the regular payment address. I sent the final payment to the same address I had sent my previous payments. They had failed to process a previous trial payment, until I called, complaint & and made a payment over the phone w an agent.The  following month, the month of the final payment mentioned above, they again, did not process the payment & said it was not received. I have appealed the trial modification cancellation, and even resubmitted a modification package. However, I have received no reply, no reply to my request for an appeal - Caliber went on to immediately transfer my account to an attorney for foreclosure and immediately gave me a sale date. They also failed to properly and timely advise me of the sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: IL

Complaint narrative:
I am a victim of identity theft. I have explained that this account does not belong to me & was open fraudulently for the XXXX XXXX XXXX XXXX. There is also an inquiry that I have not applied for someone attempted to open credit in my name XXXX/XXXX. 
Please delete this account & remove this inquiry so they do not reappear on my reports again please. Thank you

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 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: NY

Complaint narrative:
I knew about this debt when I went to XXXX XXXX XXXX and the financial counselor find the debt in my credit report ; I sent the validation letter ending of XXXX, XXXX and I never got response, then I sent a XXXX letter in XX/XX/XXXX certified mail explaining to the collection company Fox Collection Center and the original creditor XXXX XXXX XXXX that this is an error and I don't recognize the debt of {$1300.00}. 

I have not received a response from the collection company until now. However, I received a piece of paper from XXXX XXXX XXXX with some of the debt information, but the list of the documentation supporting that this debt belongs to me was not provided ; such as the contract where appears my signature, the last statement, or any evidence that proofs that this debt is mine. The paper I got doesn't have my address where the service is linked and no information or address about the company or person to reach out to resolve the problem, neither the clarification if the debt was sold or the collection is working in behalf of them. According to the XXXX XXXX paper provided the debt happened between years XXXX and XXXX. It is importance to mention that the company is located in XXXX XXXX XXXX XXXX, XXXX, TN XXXX and I am living in XXXX since XXXX and I have my tax returns that prove the place I have reside, so it is impossible to receive a service in a city I was not living. 

In addition, I receive the electric services from XXXX since XXXX to this day and I am current with my utility bills. Previous to that I was paying the rent including utility bills all together and I didn't have any pending debt for that concept. 

I have tried to contact XXXX XXXX XXXX with my financial counselor by phone XXXX ( XXXX ) XXXX to verify if they offer services in XXXX and call was unsuccessfully because they have a machine and I couldn't get a human being to talk. 

I had already disputed this debt to the credit bureaus, but the collections/creditor has verified the debt to them ; therefore I am exhausting all my options to dispute and remove this debt from my credit report. This is something that is hurting my financial ability and I want a clear response to resolve this issue, because I want to prevent or resolve any possible ID theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Two collections appear on my credit report as of XX/XX/2017 that are the result of identity theft..I 'd theft report has been filed with ftc and submitted to provider..XXXX XXXX XXXX XXXX and collection agency and dept is still being reported in violation of fcra

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 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I get an error message regarding technical issues when I try to set up Auto Pay online for my Citibank credit card. This is the error message : " Looks like we're experiencing a temporary technical issue. Please try again later. '' I first encountered this problem around XX/XX/2019. I experienced it again today, XX/XX/2019. 

Not being able to set up AutoPay increases the possibility that customers will miss payments. The ongoing nature of the " temporary technical issue '' raises concerns that this is intentional.

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX underneath the agency I.C. Systems is reporting a collection account to my credit that does not belong to me. The account belongs to someone named XXXX XXXX who I have no relation to, this was placed on my credit due to error. It is also only reporting 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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX underneath the agency XXXX. XXXX is reporting a collection account to my credit that does not belong to me. The account belongs to someone named XXXX XXXX who I have no relation to, this was placed on my credit due to error. It is also only reporting to Experian.

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 2019-08-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is still reporting unverified information on my credit report

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 2019-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly ( 120 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages 6, 7, and 8 of the attached credit report. ) This account has been paid in full since XXXX, 2019 and should not be reporting on my credit report. This account has been closed. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are 11 inquiries on my credit report that I do not recognize.

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 2019-08-15 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages 6, 7, and 8 of the attached credit report. ) This account has been paid in full since XX/XX/2019 and should not be reporting on my credit report. This account has been closed. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful. This incorrect reporting is harming my credit score.

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