vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Miller, Stark, Klein and Associates
State: IL

Complaint narrative:
Dear Sir or Madam : Miller Stark Klein Assoc offered me a settlement for the outstanding auto loan with   XXXX   XXXX   from  XXXX . Claiming in order to avoid court proceedings, I should pay immediately. I paid {$1900.00} to Miller Stark Klein on  XX/XX/XXXX , with the impression that my debt with   XXXX   would be settled and rectified.
Unbeknownst to me, Miller Stark Klein Assoc does not have proprietary rights of the outstanding debt with  XXXX . In fact they have zero correlation to said debt with  XXXX . I contacted   XXXX   as of  XX/XX/XXXX , the debt is owned by   XXXX   XXXX   XXXX  .
I am being summoned to court for the amount due in full by   XXXX   XXXX   XXXX  . Miller Stark Klein falsely represented themselves, leading me to believe they were acting on behalf of  XXXX . They defrauded me of my {$1900.00}, all the money I had available in order to settle this debt. Now I am in the midst of a much bigger predicament.
I want my money back! I want Miller Stark Klein to be penalized for misleading people. What they did was wrong ethically. They should not falsely take money from people that are struggling to repay their debts. I am willing to collaborate and/or offer full support to CFPB in regards to this request.
Sincerely,   XXXX   XXXX     XXXX   (   XXXX   )   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18 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: CO

Complaint narrative:
****THIS IS NOT A REQUEST TO PUT ANY KIND OF FRAUD ALERT OR SECURITY FREEZE ON MY ACCOUNT**** I AM TIRED OF YOU DOIN THAT TO SIMPLY SAY YOU HAVE ADDRESSED MY COMPLIANT. EXPERIAN YOU HAVE UNAUTHORIZED CREDIT INQUIRIES THAT DO NOT MEET THE " PERMISSIBLE PURPOSE '' CLAUSE OF THE FCRA. ACCORDING TO THE LAW YOU THE CREDIT BUREAU MUST SHOW PERMISSIBLE PURPOSE FOR ALL INQUIRIES. I AM CHALLENGING YOU TO PRODUCE SUCH DOCUMENTATION. ANYTHING THAT YOU SEND ME SIMPLY SAYING THAT YOU MUST KEEP THE INQUIRIES ON THERE BECAUSE OF FACTUAL TRUTH IS 100 % WRONG, AGAINST THE LAW AND I WILL PUSH FOR A FULL INVESTIGATION INTO YOUR REPORTING IF YOU DO NOT COMPLY WITH MY REQUEST.
1.   XXXX   XXXX   XXXX   XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.
2.   XXXX   XXXX   ON  XX/XX/XXXX I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 3.   XXXX   XXXX    XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 4.   XXXX   ON XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY 5.  XXXX  ON  XX/XX/XXXX  I DO NOT RECOGNIZE THIS COMPANY, THEY DID NOT HAVE PERMISSIBLE PURPOSE TO PULL MY CREDIT AND YOU DID NOT HAVE PERMISSIBLE PURPOSE TO SHARE MY CREDIT SO REMOVE IT IMMEDIATELY.

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 2017-07-18 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: CA

Complaint narrative:
I was out to dinner, and was charged the incorrect amount on  XXXX / XXXX /2017, of {$62.00}. I called my creditor at the beginning of  XXXX , and they told me that they would refer me over to the dispute department. they did not do that. They sent it to the fraud department, and then about 1 week later, I called in, regarding a notice that I got sent that said that I was being held responsible for the charge, that it was valid. I called in and asked what they had found that had made the charge valid, and that was when they said that it went to the fraud department, not the dispute department. I asked them to show me how they figured that the charge was valid, and they did not have an answer. I checked my account, and the charge, has been put back on the account.

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 monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Called after employment termination to setup a payment plan based on unemployment which was {$600.00} biweekly. Called again after unemployment ended to give them an update they stated nothing can be done besides interest rate decrease. Called today  XXXX / XXXX /2017 on another solution because I have no income, they stated they do n't have payment solutions for unemployed people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I bought my home 11 years ago inXX/XX/XXXX. The loan I got was a terrible balloon/arm 30 year loan. The original loan servicer was XXXX XXXX XXXX. Then the loan was transferred to XXXX XXXX XXXX.  And then it was transferred to Ocwen Loan Servicing. Ocwen has been servicing my mortgage for about the past 6 or 7 years now. In XX/XX/XXXX I ran into financial problems and was n't able to afford my monthly mortgage payment. So I tried twice to get my mortgage modified through Ocwen. During the second try, someone from Ocwen actually told me over the phone that I was approved for the modification and that my monthly payment would be around {$580.00}. I was so relieved until Ocwen sent me a letter saying I had been denied a modification. When I called them to figure out why they told me I was approved before. They told me they would have never said anything like that over the phone. So in order to save my home, I filed for chapter XXXX bankruptcy. I have been in Chapter XXXX bankruptcy since XX/XX/XXXXand I have just a few more months left to pay. So on XX/XX/XXXX, I received a verification of mortgage account letter from Ocwen and they are claiming I have a 45 year mortgage when I should have a 30 year. So I call Ocwen and they tell me " Oh its just a typo ''. So I just go about my business thinking everything 's OK. Then on XX/XX/XXXX I receive a mortgage payment change letter from Ocwen . And on the second page under the " New Interest Rate and Monthly Payment '' section, Ocwen claims I have 408 months left on my mortgage. Which would mean I have a 45 year mortgage. How did my 30 year mortgage become a 45 year? This is n't right at all. Also another complaint is my mortgage payments have fluctuated alot over the past few years. You will find my original loan terms document and both Ocwen letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On  XXXX / XXXX /17 we were contacted by someone who claimed to be from the United States Department of Health and Human Resources stating my boyfriend was eligible to receive {$12000.00} from the Obama stimulus package. He said we had to pay an activation fee and taxes totaling about {$1100.00} with gift cards. We were told at the end of the call after we purchased the cards and gave him the codes on the back that we had just been scammed. We immidiatly made a police report and called the bank. We went to the bank and they filed an investigation. The bank manager said she was going to make some calls to get our money back because it was frodulent circumstances. We have made several calls to the bank never receiving a response. We reached the manager once and she said she would call us back that following Monday and never did. They have completely ignored us but told us twice they would replace our debit cards and did n't do that either. The purchases should have been flagged as suspicious. Our money is supposed to be guaranteed by the Government and we should have had it back by now. We were unaware that it was fraudulent but the bank should have caught it. Instead they act as if we do n't exist which 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 2017-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Right after  XXXX   XXXX , 2017, I contact a mortgage company,   XXXX   XXXX   to discuss refinancing of my mortgage. While I was on the phone I gave the loan officer permission to pull my credit report from Equifax. I was advised that they were unable to pull it because I had a fraud alert on my file. I advised him, yes I do and I will remove it. I have the Equifax Complete Premier Plan. The Plan is suppose to allow me to put on and remove alerts, any alert that is on my account. I called several times and spoke with overseas customer service agents who assured me that the fraud alert had been removed. At least 3 overseas agents told me this. I contacted the Loan Officer and they still could not get into my file. The Fraud Alert was still showing. The next time I called I asked the overseas agent to transfer me to a customer service agent n the USA. They did and I spoke with  XXXX  telling her the problem I was having. I told her every person I have spoken with told me the Fraud Alert was removed. She apologized and told me told me she would send a request to their IT department to get this corrected, it would take about 7days. I told her that everyone is telling me that the alert has been removed, but it still shows " ON '' on my laptop. She gave me a reference #  XXXX . I got a letter yesterday from Equifax dated  XXXX   XXXX , 2017 saying the FRAUD ALERT has been removed.  XX/XX/XXXX  I got a card from  XXXX  saying they received information from Equifax and the FRAUD ALERT has been added to my file. On XX/XX/XXXX  I got a letter from   XXXX   advising the FRAUD ALERT has been added to my file. Added to my file, I 'm trying to remove the FRAUD ALERT. No one should have to go through this type of terrible service.
I received a call from  XXXX  from Equifax due to a negative review that I gave after my conversation with the last agent I spoke with.  XXXX  apologized and told me, " I would need to send a letter to Equifax requesting they remove the FRAUD ALERT. '' WHAT is going on with Equifax. I mailed the letter that he requested on  XX/XX/XXXX . They have caused such an unnecessary delay in trying to refinance my home. Please help me get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
J H Portfolio Debt Equities purchased a debt in    XX/XX/XXXX    that originated in  XX/XX/XXXX  from   XXXX   XXXX  . I have asked them for validation of this account since    XX/XX/XXXX    via certified mail thru USPS. I did not receive anything from them until I filed a complaint with CFPB. They only have 31 days by law as per FCRA and the FDCPA. They did not meet this deadline and therefore the reporting to the Credit Reporting Agencies MUST BE DELETED. Another factor to be considered is the fact the JH Portfolio is re-ageing this account or " parking it so it will stay on my credit report indefinitely, by selling it to another debt buying agency. The fact of the matter is J H Portfolio did not respond in a timely manner according to the federal laws and must be deleted from all credit reporting agencies.

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 2017-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST HORIZON BANK
State: AZ

Complaint narrative:
Home equity line of credit.   XXXX   paid off balance in full asked them to close account.   XXXX   received bill statement with " purchase  XXXX  '' and "   XXXX    cash advance finance charge '' did not use account and had believed it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CrossCheck, Inc.
State: WA

Complaint narrative:
In  XXXX  of 2017 my son purchased a car from   XXXX   XXXX   XXXX   in  XXXX . Before my son went to the dealership to purchase they sent him to   XXXX   XXXX   in  XXXX  to take out a bank account that the down payments were to be sent to. At the time of purchase the salesman collected from my son a blank check for {$2000.00}. We asked what this was for and he said do n't worry about it it is just a formality. The salesman said the down payments could be broken up in payments to   XXXX   XXXX   to make things very easy. This sounded very good to us. All of the paperwork was signed and he left with the car. No word from anybody until a collection company started calling both my son and me to get the {$2000.00} for a company called cross check. he did not know what to do but gave them a debit card to get {$500.00}. I intervened when they wanted to get another {$750.00} a week later and they started calling me repeatedly. I told them that there was no problem in paying the remaining {$1500.00} but we did not even know who we were sending it to. I told them we were more than happy to make payment arrangements but instead  XXXX  the vice-president kept calling me a liar and yelling and demanded the full amount that day. The most disrespectful person I have ever talked to in my   XXXX   years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On   XXXX   XXXX  , 2017 a staff person at my place of employment handed me my paycheck as it could not be direct deposited for this payroll cycle. However, it is set up for direct deposit going forward. The other employee was in error and was supposed to give it to my Director to give to me on   XXXX   XXXX  . I was informed only today   XXXX   XXXX    of this error. I have a copy of an email that confirms this from my Director. However I deposited the check via Chase mobile on   XXXX   XXXX   after  XXXX  and received an approved message.A day later the deposit was reversed and my account incurred service charges. I now have been informed that the check is being held to   XXXX   XXXX  . It was dated   XXXX   XXXX  . I did not check the date of the payroll check because I have never received a paycheck I could not deposit right away. Chase mobile dud not catch it either. This incident occurred through no fault of my own. I would like all service charges reversed and funds released now. I also want all negative reports on my account and to any credit agencies,  XXXX , and   XXXX    relates to this incident removed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-18 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I disputed this a number of times, directly with the debt collector and XXXX. I can not get even a basic statement of my account prior to the sale to XXXX XXXX XXXX from the original lender, nevermind any of the other things requested. 

The dispute is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, via XXXX XXXX, and XXXX. The latest dispute with XXXX was dispute XXXX opened via XXXX XXXX on XXXX XXXX and disputed again on the XXXX of XXXX. The amount in question being {$1000.00}. The date and amount are in dispute. I would like to bring your attention to the following : a ) The amount that XXXX is attempting to recover is not correct. I specifically requested proof of the transactions from XXXX  including the amounts that constitute this debt and the interest that was charged. No proof was provided by XXXX ; b ) The dates of the transactions and therefore the age of the debt. I specifically requested proof of the dates that XXXX asserts these transactions occurred, and when any payments were made. No proof was provided by XXXX. 
c ) I specifically requested proof of ownership of the debt from XXXX and that they were the final holder of this debt. No proof was provided by XXXX. 
d ) I specifically requested a copy of the signed legal contract that this debt was originated under. No legally binding contract was provided by XXXX. 
e ) XXXX themselves state in their response to me the seller provided an electronic file of its business records, while providing no further evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: FL

Complaint narrative:
I have attempted numerous times to dispute   XXXX   items off of my credit report.   XXXX   XXXX   XXXX   on my TransUnion report and  XXXX  on my   XXXX   report. I have attempted numerous times to dispute these   XXXX   items  XXXX  with the credit bureaus and directly with the creditors. I have spoken with  XXXX  companies numerous times and all they do is send me generic letters, more like an invoice with the amount stating that it is my debt. They refuse to send me proof and have claimed that I am outside of my time period allowed to request proof. I never have been contacted by either company. Reviewing my reports I noticed them and reached out to inquire what this was. All they do is direct me to an insurance provider I do not have. The insurance provider claims to have no record of me. The hospitals claim to have no balances owed by me. My last conversation with both companies wa s  XX/XX/17  a nd I informed them of all of this. I informed them that I have the legal right to request proof or removal. They said I do not have that right. They said they do not have to provide proof.

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 2017-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Today,  XXXX / XXXX /17, I replied to a pop-up ad from Quicken Mortgage for a refinance on my home lone. Shortly in to the intake process I was told they had to pull my credit and it would have to be a hard pull. I objected to this and was told " federal law requires this ''. I would like to know the federal law or regulation that REQUIRES that a hard pull of my credit report need to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In  XX/XX/XXXX , someone forged and was able to cash out a check worth {$800.00} from my checking account, I filed a police report and filled out an affadavit. Fast forward to the next  summer o f   XX/XX/XXXX  I sti ll had n't had my situation rectified, so I visited   XXXX   XXXX   XXXX   Citibank and the branch manager   XXXX   could not tell me why my funds were erroneously cashed to a forged check, he was very hostile and rude and kicked me out of the branch. A few months later I received an {$800.00} refund from Citibank for which I was extremely happy about. Then in   XX/XX/XXXX  a r equest was made from   XXXX   XXXX   branch to have my account closed with no warning or reason. I called them to find out and the same man   XXXX   from   XXXX   XXXX   XXXX   is now branch manager of   XXXX   XXXX   Citibank, and I have never even been to that branch in person, which leads me to believe he ille gally closed my checking account as some sort of personal vendetta ag ainst myself since I had prevailed in the forgery check case from the year prior, which I can not even begin to understand how this man is allowed employment and be able to have such an abuse of power made available to him. I did nothing wrong and have never mistreated anyone at Citibank despite the massive frustrations they have caused me over the years, but this crosses the line and would like to pursue any and available legal recourse against Citibank and   XXXX   XXXX   branch manager  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