vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
Entity has placed an account on my credit report for a debt that I do not recognize and keep calling and sending letters to my home. The amounts always seem to be changing and they call and harass me to negotiate smaller amount. 

Original creditor is XXXX XXXX, and theyre claiming I owe {$1500.00}?? But on a credit reporting website I use its stating {$1000.00}?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 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: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX, XXXX, XXXX, XXXX - 5 Telephone calls per day to my personal cell phone from this number XXXX. 

I do NOT owe any outstanding debt to ANY cash advance institutions or bank. 

Caller claims to be work for XXXX  XXXX. Threatening to have the police at my home if I do not make a full payment by the end of the day. 

XXXX - 3 Telephone calls per day to my immediate family members asking for personal information - Mother XXXX and XXXX - Threatened me with jail time if payment is not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
I am in the middle of a bankruptcy case. I was told that once my loan was included in the bankruptcy that PHH Mortgage would finally give me an answer to my modification request. PHH Mortgage has yet to give an answer after I have submitted my paperwork over and over again. There has been no answer for over 6 years. Now I am facing my bankruptcy case being thrown out of court because PHH will not modify my loan, so I can keep my home. 

AS you can see PHH mortgage does not have a good record. 

https : XXXX They refuse to honestly review my situation for a modification. I just want PHH to review my hardship application, stop making demands for the same information over and over, and give me a final answer once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I received an e-mail from XXXX and a text message from the number XXXX saying that they received my application for the internship with XXXX XXXX XXXX, which I applied to on XXXX, which is owned by XXXX, and they sent me a link to one of their workers, XXXX XXXX on the app " Wire ''. I was suppose to make an account and message her then I'm an applicant for the internship. I added her by looking up the email they sent me, " XXXX ''. Then once she added me we began talking about the internship and the interview that is about to happen. She then sent me a list of questions regarding statistics, data and programming that seemed very specific, which added to the legitimacy. I answered all of them and moments later she told me I was accepted to the internship with XXXX XXXX XXXX. She then sent me a message that the contract will be emailed to me and that I am to send it back signed, the document they sent is attached below. After sending it back they started talking about training materials and how they're going to send the money to me and that I am to send it to a vendor that will purchase it. At this point I'm suspicious because it was all online and I didn't even talk to them through the phone yet, but I'm assured the internship is fine due to XXXX being a big and respectable company and the internship being found on it so they have to had checked and reviewed to see if the internship is legit. So they sent me a check for {$1800.00}, which is also attached below, and I mobile deposited it into my XXXX  XXXX XXXX account. Once I did it and it got returned, XXXX told me that the account they put the money in for that check was used to pay off other members. Then they asked me to use my Chase bank, once I got the new check for {$3800.00}, they told me to mobile deposited into my bank account, which I did. They then told me to wire transfer {$3400.00} to the vendor, which I did. Then later in the day, this was on XX/XX/2018. I got a message from Chase saying the check was fraudulent, the wire transfer was cancelled and that my account with Chase is in review. I messaged XXXX about it and she asked for my account number, I said that it isn't available due to my account being suspended. Two days later on XX/XX/XXXX, I called Chase and they told me to come to the branch, I was then told that my account would be closed and that I would be marked on my credit report for fraud in the next few weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have spent hours literally on the phone and try by email and website to fix error on my report - get a different song and dance every time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2018 I received {$2800.00} via XXXX for a transaction that I was asked to withdraw the money and buy bitcoins for a third person. I received the money and did everything that I was supposed to do, before it I asked my account manager if XXXX was trustworthy and she said yes, once the money is in your account. 

In XX/XX/2018 the same amount was debited from my bank account because the company which did the XXXX transfer opened a claim. 

In the meantime I was not reached from the bank or XXXX to contest the claim, they just took the money from my account. 

My manager contacted the claim department of Bank of America and they said that they can not do anything. 

I contacted then and they said to me that I have to do a law enforcement. I did an IC3 in the same day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2018 I sent my brother XXXX XXXX {$1400.00} through XXXX a third party. My little brother almost immediately received an email from TD Bank which I have attached which stated the money could not be transferred and was being sent bank to XXXX XXXX at XXXX  XXXX XXXX. Obviously, when he told me about the email immediately checked my bank and noticed the {$1400.00} was not put bank in my bank. Immediately after, I called my bank, XXXX  XXXX XXXX who said the transaction was failed and the money would be posted back in my account because that is what happens when a XXXX transaction FAILS. If the transaction was completed and it went into another account there is absolutely nothing they can do BUT that was not the case. After almost a week I called back and they told me that they have no idea what happened and I would have to file a claim which takes somewhere from 5 - 60 BUSINESS DAYS. Several days later I received a letter from the bank saying the claim has been completed and that the {$1400.00} was put into the wrong account at TD Bank. They stated that TD Bank would have to ask the customer/client for the funds back who received the funds. They said TD reached out to customer and customer declined to release those fund which is the craziest thing I have ever heard in my life. I decided I would call in every day until it was resolved. I know all calls are recorded and every time I called XXXX  XXXX XXXX told me something different. The 2nd time I called in they said TD bank reached out to the customer and never received a response. Keep in mind I was laid off from my job during the time period so that {$1400.00} was vital to my life. I called in once again to XXXX where they escalated the call. They had the XXXX  analyst reach out to the TD analyst who was handling this specific claim who told my XXXX analyst who was handling the claim that they have the {$1400.00} and they would give XXXX  no more more information regarding this. XXXX  XXXX XXXX told me to file a law suite against TD Bank. Again all calls are recorded and to me not only did they steal {$1400.00} but it caused me to move and late payments on all my loan and much much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: RI

Complaint narrative:
The hospital never submitted an invoice to my insurance company, and they eventually sent it to a dept collector, i reached out to the dept collection agency and disputed this bill, since my insurance would pay any bill 100 % complete. 

I spoke to my insurance company and they have reached out to the hospital 's billing dept to back pay this bill, and i've requested for the dept collector to remove it and they refused to until, they receive a written agreement from XXXX XXXX. 

They have severally damaged my credit behind this matter. I just recently realized this XX/XX/XXXX bill was not token care of, but only because of my credit report. 

I've disputed this matter numerous of times within XX/XX/XXXX year via XXXX, XXXX, XXXX, etc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian Credit Bureau has an incorrect version of my on the credit report. In the section where they names, my last name is misspelled : XXXX. My last name is spelled is 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 non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Around XX/XX/XXXX, I had lost my wallet and cellphone at the same time. My phone did not have a passcode lock on it, therefore information on my phone was easily accessible. I had sensitive information pertaining to my identity, email access, and even phone access. Who ever did the charges below had my phone too, because they were able to confirm a 6-digit passcode sent by chase to me VIA email/text. 

Since Chase is assuming it me who confirmed my identity, they are denying my claim. 

These are the fraudulent transactions below in which Chase is denying my claim. 
The specialist assisted payments are not made by me. I asked chase to see if they can pull up the call log records on that day to check the voice of whom was speaking. 

XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX  XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX & Payment Thank You Specialist Assisted -XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX   XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA -XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX LA XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # XXXX XXXX CA XXXX I filed a police report regarding this matter. 
All of these transactions are reflected on my account and credit report. I am not liable for ANY fraudulent transactions, and Chase states in their policy that there is a zero-liability for fraudulent transaction. This is significantly affecting my credit score due to a high utilization. 

I had them escalate the claim to another agent so another set of eyes can go over my claim. 

I am very frustrated from this situation and can not believe how Chase is treating my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DFC Global Corp.
State: AZ

Complaint narrative:
XX/XX/XXXX MOney Mart, XXXX, AZ. This is a payday loan they call XXXX XXXX. Payday loans are illegal in the State of Arizona. I've filed a complaint with the Attorney General 's office pertaining to the same. They harass me by calling 10 times per day even though I told them I've lost my job and their lending is illegal in this state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
In response to my complaint # XXXX about AES, in which I maintained that I NEVER signed ( electronically or otherwise ) a federal loan consolidation application and promissory note in 2005 and from whom I asked for documentation proving their allegation that I did so, they responded to you ( but not directly to me ) that any documentation of proof I requested repeatedly is " UNAVAILABLE. '' Now, XXXX is threatening seizure of federal and state tax refunds to offset the now {$30000.00} allegedly owed by me. It seems to me that the notion of " burden of proof '' is upside down here. I maintain that I did NOT electronically sign the consolidation document in question and further asked for documentation pertaining to the original loan. How can a person prove that she did NOT sign ( electronically or otherwise ) a document that bears no signature, contains numerous mistakes and missing information? It should be quite easy for a reputable company to provide proof of such a signature. My dispute with AES and now XXXX has gone on for almost two years, with no relief or even reasonable responses. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 at XXXX XXXX  pst i used a Chase bank ATM to withdrawal {$500.00} I did not receive any money from the ATM and the receipt that was dispensed clearly states it as well. However, my card account was debited a total of {$500.00} from Chase. I contacted Chase by phone and also went in the branch spoke with the Branch manager which told me they are unable to do anything right now since I do not have an account with Chase so I need to contact XXXX XXXX and have them initiate the dispute. I then contacted XXXX and filed a dispute and have also faxed a letter stating what had happened along with my receipt from the ATM and still dont have my money. I contacted Chase numerous times and they just keep telling me they can not do anything and to contact my bank so they can contact them themselves and that they are sorry. I also contacted XXXX numerous times and feel they have not done anything also cause I havent been given any provisional credit and they just keep telling me it can take up to 45 days. None of the banks have done anything for me but give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
Tried to use my card XX/XX/18 and XX/XX/18 and it was declined. Called the number of the back of the card to find out why and after being on hold for nearly an hour was told they couldn't help me. I needed to talk to a specialized fraud department. Gave me a phone number ( XXXX ). Have called them numerous times and get left on hold. System automatically cuts you off after 2 hours so you never get to the front of the line. I have spent nearly 15 hours trying to get someone to answer the phone. 

Not only can I not use my card I can not pay my bill online or collect on my earned cash rewards. I want my money back and then I am done with this company ... it is absolutely disgraceful that they would shut a persons card down and then not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Constantly calling and and communicating to NO avail. I am believing that b/c I am Not a paying customer they report inaccurate info, even when they got all evidence from myself and consumer. When I called Experian THE AGENT WAS DOWN RIGHT RUDE, I HAD TO ADDRESS IT ON XX/XX/2018 AFTER CALLING 10-15 TIMES. I got online and complained about their communication tactics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Dear CFPB, I have asked Nationstar Mortgage, now Mr.Cooper, to send me XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX but they had not yet done so. They have only supplied that info for time after which they took over XXXX XXXX in XX/XX/XXXX so I am still contesting the additional # XXXX they tacked on to our loan for, they say, non-payments from XX/XX/XXXX-XX/XX/XXXX. My faxed documents show that the mortgage was paid during that time. I have also written the IRS for those documents since, to date, I have not received them from Nationstar ( Mr. Cooper ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
The Comments in the REMARKS Section Placed by XXXX XXXX on my Credit Report are Wrong and Inaccurate and Need to Be Removed. 
Please Remove : PAYMENT MADE AFTER CHARGE OFF/COLLECTIONS PAID PROFIT AND LOSS. 
1. My Acct WAS NOT CHARGED OFF OR SENT TO COLLECTIONS. PAID PROFIT AND LOSS.

2. I AM ACCUSING XXXX XXXX OF DELIBERATELY AND PURPOSELY GIVING ME WRONG/INCORRECT INFORMATION ON OUR RECORDED PHONE CONVERSATION ON XX/XX/XXXX. 
I WAS TOLD BY 2 EMPLOYEES THE COMMENTS ON THE REMARKS SECTION OF MY CREDIT REPORT WILL BE REMOVED BECAUSE MY ACCT HAD NOT YET BEEN CHARGED OFF. 
3. PLEASE REMOVE ALL COMMENTS IN REMARKS SECTION. 
4. PLEASE LISTEN TO VOICE RECORDING OF CONVERSATION ON XX/XX/XXXX. 

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 2018-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
SHELLPOINT MORTGAGE ADDED INACCURATE AND FALSE COMMENTS IN THE REMARKS SECTION OF MY CREDIT REPORT.

PLEASE REMOVE THE COMMENT " FORECLOSURE INITIATED '' BECAUSE ITS FALSE.

FORECLOSURE WAS NOT INITIATED BY SHELLPOINT MORTGAGE. I SOLD MY HOUSE AFTER XXXX   DIAG AND NUMEROUS TREATMENTS TO PAY DOCTOR BILLS.

MY HOME WAS NOT FORECLOSED OR INITIATED.

THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received a Debit Card from Frost Bank on XX/XX/2018 which I did not request. I contacted Frost Bank and they said an account had been opened on XXXX XX/XX/2018. No funds were deposited. I received a separate letter the same day regarding my request not to authorize and pay overdrafts. Regardless, I do not want/need a bank account or card from Frost Bank. A scan of both letters are attached ( XXXX XXXX - Frost Bank Card.pdf ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Our home mortgage was sold by XXXX XXXX to a company called Specialized Loan Servicing LLC on XX/XX/2018. To date we have not received any information or paperwork from Specialized Loan Servicing. Today is XX/XX/2018. Nor has any payment information been sent to us from SLS. I have called to set up payments and SLS will not even speak with me regarding this note which I have authorization to speak on.When I call SLS the call is picked up in a call center in which a person can hear many conversations going on in the background. In this day and age no person wants to speak about their home mortgage in such an atmosphere. I wis to know where I stand legally before we are called late with our payment.

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