vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: NC

Complaint narrative:
An outside company keeps calling me and threatening me. They said if I don't pay back XXXX today, XXXX in 3 monthly installments or XXXX in 18 months then they will pursue legal action against me and I will have to pay them XXXX. They have called human resources, my number and other numbers at my job to employees that I don't even know and leaving messages. There number is XXXX Ref # XXXX. They are an outside agency that has bought my file. I have asked them to stop calling my job and they keep doing it. I got the loan back in XX/XX/XXXX or XX/XX/XXXX and was struggling to pay it back. This is very stressful and a hardship at work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
In XX/XX/XXXX I saw a collection on my credit report from XXXX I contacted the credit bureaus and advised them that I never owned a XXXX card, they investigated and removed the collection. Now XX/XX/XXXX I received a wages garnish judgment from Midland original debtor XXXX. The collection or judgment is not on my report I never received anything to report to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I had a mortgage with this bank for the past year and some months. During the time, I made all payments on time, including even some dubious increase in the monthly payment from {$3400.00} to {$3700.00}. I did my best under difficult circumstances to make timely payments. 

During the time, I tried I called them several times to see if we can get a refinance, but each time they flatly denied and wouldn't go any further to explain why, and at the time we were getting a lot of offers from other institutions to refinance. Nonetheless, I continued to make my payments. 

Last month, XX/XX/XXXX, we were finally able to close a refi with a different lender who wired M & T 's payoff to them on the same date as above. Before then, they had been made aware of this closing and were totally involved. 

As expected they closed my online account that I had been using to transact business with them and retrieve documents and messages on the same day the principal was paid off. The processed it and effectively zeroed out the account. 

On XX/XX/XXXX, I saw that the regular transfer that always went out to them on the first day of the month had been initiated and was pending on my XXXX XXXX XXXXXXXX account. I called them immediately to let them know that they my account had been closed with them and I don't owe anything to them. I made aware I had a new mortgage that was due and therefore I need that money to pay the new lender. 

We did a lot of back and forth on the phone and told me they would investigate and take the necessary action. 

As I write this complaint, on XX/XX/XXXX, they neither have returned my money nor return my call. I am having to borrow money, not only for my new mortgage, but also other expenses that we incur as a young bottom of the barrel family struggling to survive in one most expensive places on earth : XXXX XXXX XXXX XXXX of California. 

Every cent we earn is important for us! 

It is certainly not right that this bank has unlawfully taken our money for over a week without making any attempt to return it, or even providing me a simple customer service of letting me know what is going on.

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 2018-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had just paid XXXX with my debit card for an amount of {$120.00} so my services to my cable would not get interrupted because I moved out of my previous apartment and transferred my services on XX/XX/2018. 

XXXX ended up drafting money out of my Chase checking account for {$370.00} which i did not authorize and I had already had charges pending on my account and XXXX allowed this transaction without my permission. 

and now I have 3 insufficient fees of {$34.00} which totals {$120.00} and now my account is over drawn - {$500.00} dollars I've contacted XXXX, and also I've contacted FCC as well as the FDIC on this issue and I did submit an complaint with the CFPB and I am not getting a response in regards to this problem on my account I get Social security and is on a fixed income this problem needs to be addressed immediately thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12 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: CITIBANK, N.A.
State: VI

Complaint narrative:
My request via telephone to Citi Cards was for a replacement card due to wear and tear. 

After three separate calls ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I never receiving my replacement card - a representative on XX/XX/XXXX cancelled my account without my knowledge in order to send me a card. 

I was very uncomfortable with the way the phone agent handled the call and I called back to get the tracking number for the expedited replacement card. While going through the prompts, and entering my card number the recording replied " you entered your old card number ''. This was unexpected, however due to other commitments, I decided to call back the next day XX/XX/XXXX. 

Around XXXX I visited a retail establishment, the card was declined twice for {$12.00}. Immediately, I called XXXX XXXX - the representative relayed " your account was closed and new cards were issued ''. This upset me as I have several fiscal matters of my XXXX member family tied to this card. 

After speaking with 6 phone agents on today, I had to push for compensation or miles to get some satisfaction. The 3rd agent offered XXXX miles - which was not fair in my opinion since they did not offer anything for their gross error. The second offer was XXXX miles. I was annoyed because he said XXXX miles at first but changed his statement. I can't go anywhere on XXXX miles and told him, if XXXX XXXX makes an error with my seating or other inconvenience XXXX miles is the lowest I have received. 

The last rep by the name of XXXX was a stone wall robotic figure who did seem to care about both a husband and a wife on the phone asking for our Annual fee on the card to be compensated or XXXX miles. He stood by XXXX and did not care less of all of the undoing and manual contacts my husband and I have to make to remove the old card number and add the new one. 

XXXX, XXXX and XXXX offered to make an internal complaint of XXXX the culprit who made the error on XX/XX/XXXX and XXXX the Supervisor who blatantly lied to me about getting the card send XXXX this morning around XXXX. 

The same error escalated into a calamity which Citi Cards will not own. 
I want XXXX miles and compensation of the annual fee. This is the least Citi Cards can do for all of the trouble XXXX caused by misrepresenting me when he checked off the boxes that he advised me my account would be closed when he did NOT. 

XXXX XXXX needs to make this error right without delay.

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 2018-04-12 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I disputed this item with XXXX on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave XXXX a call on XX/XX/XXXX asking for the results of my dispute for XXXX/WAL-MART. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that Walmart has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with Walmart. I called Walmart and spoke with XXXX, who told me that account was closed on their end and he doesn't know why XXXX can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XXXX, and it was closed XX/XX/XXXX. I don't understand why XXXX lied about emailing me updates. Also, why is XXXX saying the company is reporting the account, when the company said they are not.

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 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Medical Administrators, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I recieved calls and also letters regarding some pill that were purchased from XX/XX/XXXX from XXXX XXXX XXXXXXXX. When looking up info on the creditor they do not exist since there from a bike company the letters I have recieved none of the information matches. They call & state they will ruin my credit & that I have no opinion but to pay it. The company name is national medicial adminstrators inc DBA XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Unfortunately, I do not know the company. It is from a blocked number. Someone leaves a voicemail message that says XXXX XXXX wants me to call her at XXXX with student reference number XXXX to talk about repaying my Federal Loans ( which I pay monthly WITHOUT FAIL ). I receive this call at least two times a day. It interrupts me at work and it comes in the evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
I called Debt Recovery Soloutions spoke to a XXXX was offered a settlement on my debt with a debt i had from XXXX from 5 or 6 years ago for the amount of XXXX. i sent two payments from my checking account one for XXXX which cleared my bank from the creditor on XX/XX/XXXX check # XXXX and another for XXXX check # XXXX which cleared my bank on XX/XX/XXXX i called the company to see if they recieved my payment since it shows it was cashed through my bank and the answer i recieved is no, they don't have my money even though they cashed my checks an my payments have not posted as far as there concerned, i called my bank to see if i can dispute these transactions since the company is stating they dont have my money i was told no since the company has recieved payment an checks have been cashed i can not be credited or get my money back, I spoke to a XXXX XXXX who is supposebly the Vice president of client services for Debt recovery solutions and i was told that this would be looked into and i haven't heard anything back the only thing i can think of is maybe someone at the company pocketed my money or posting error i have no clue but there is XXXX of my money that was cashed but yet not credited an company states they have no record of my money. Also upset with XXXX XXXX serve for not crediting my account bank and looking further into dispute for me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
This is a new complaint and not a duplicate. 

On XX/XX/XXXX Caliber sent me the attached letter and payment history clearly stating that on XX/XX/XXXX I had {$2100.00} ( $ XXXX+ $ XXXX+ {$100.00} ) in my account and they failed to post it as a post-petition payment on my account. This triggered a lift of the automatic stay of my Bankruptcy which has made me incurr in additional Attorney fees and costs, economic and non-economic damages, and punitive damages. 

According to the recent XXXX ruling on XX/XX/XXXX in XXXX, Illinois at the XXXX XXXX XXXX United States Court House, XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX. 

My case is very similar in that in XXXX encountered financial troubles and defaulted on the loan in late XX/XX/XXXX. In early XX/XX/XXXX, XXXX XXXX attempted to foreclose on the property. XXXX filed a Chapter XXXX bankruptcy in order to stop a foreclosure and to catch up on the mortgage arrears on her residence. The plan of reorganization was confirmed by the court and XXXX began to make both her contractual mortgage payments along with her Chapter XXXX plan payments. XXXX 's mortgage loan was serviced by XXXX XXXX XXXX for XXXX XXXX until XXXX XXXX transferred the servicing rights to XXXX in XX/XX/XXXX. XXXX made all of her plan payments through the Chapter XXXX trustee and made every single mortgage payment directly to XXXX XXXX XXXX ( XXXX XXXX ) and subsequently to XXXX once XXXX took over servicing rights. 

The jury, after deliberating for approximately 7 hours, determined that XXXX breached its contract, violated RESPA for failing to adequately respond to XXXX 's Qualified Written Request, violated the FDCPA and committed both unfair and deceptive acts in violation of the Illinois Consumer Fraud Act. XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same name as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. They have 30 days to prove their claim to me or they must remove from my credit report. Its well past 30 days as i started contacting them in XX/XX/XXXX. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends, and there is also another XXXX XXXX at my employer. 

I've contacted XXXX via certified mail on XX/XX/XXXX again on XX/XX/XXXX and a third time this year on XX/XX/XXXX Each time I contacted them, they say they verified as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 

I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collecting from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Transunion and 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 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The holder of the mortgage on my home, XXXX XXXX, has called and emailed me twelve times  in the last two weeks ( late XX/XX/XXXX through XX/XX/XXXX ). Various individuals identifying themselves as part of XXXX 's Retention Department indicated they were contacting me because the credit agency Equifax had alerted them that I have applied for a mortgage with another company. 

This is a violation of my right to privacy. I have never authorized XXXX XXXX to monitor my credit on an on-going basis, nor have I authorized Equifax to sell this information about me. My personal decisions about with whom I do business, whether I intend to refinance my mortgage, or seek a second mortgage or HELOC are personal private information that no third party has the right to sell or publish. 

If this is not a crime it absolutely should be!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
The XXXX XXXX XXXX contacted me months ago regards to a so called debt from XXXX, and I responded, explaining the debt incurred after I was evicted/moved out. 
Also, on a separate note the same case went to court, and was settled. I've attached except of the settlement & court proceedings for your perusal. I was strongly advise by my attorney to file this complain. 

I am forwarding this complain cause the agency still listed said account on my credit file on XX/XX/2018. 

Displaying the below information. 

You've paid off 0 % of your collection. 
Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service
State: NV

Complaint narrative:
On XX/XX/XXXX I received an advertisement from an attorney 's office notifying me that a lawsuit had been filed against me. I checked the justice court case search and confirmed that Clark County Collection Services was indeed suing me. I met with the attorney who sent the advertisement and he supplied me with the information for the prosecuting attorney, XXXX XXXX with XXXX XXXX XXXX. I called the office, and informed the lady who answered the phone that I had no knowledge of this debt, and that I had every intention of disputing the debt. I also informed them I was never notified of the debt or my rights to dispute whatsoever. The lady told me that the debt was now over {$1800.00} and that it would take longer to get the information to prove the debt than it would take for the lawsuit to proceed. The lady also told me that they don't have anything with a signature as this is a medical debt. I drafted an official dispute letter, but before I could send it on XX/XX/XXXX my roommate 's daughter was served the paperwork for the lawsuit. After reviewing the papers I found out the supposed visit was on XX/XX/XXXX, that it was only the Doctor 's staffing agency, not the hospital that the debt had originated from, the debt amount is just above {$1200.00}, and they are stating that I violated a written contract, but they stated they have nothing with a signature. At no point was any contact made to me regarding this debt by any party. It was stated when I called the lawyer 's office that the number I gave at the ER was not valid, that number was my number for 5 months after the supposed ER visit, and yet I was never reached out to in order to collect. I have also never moved so I am unaware of a reason why I was not mailed any notices. I want to make sure it is abundantly clear that no party, not the creditor, not the collection agency has ever initiated contact with me in regards to the debt, and I called the XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: IN

Complaint narrative:
As of XX/XX/XXXX I owed XXXX cents to the state of Indiana .. on XX/XX/XXXX th XXXX XXXX of XXXX XXXX XXXX placed a hold on my Checking account for XXXX  plus I was charged XXXX they also garnished my check on XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  I reached out to them multiple times either they are too busy and it tells you to leave a message which i did two weeks ago never received a call back so basically they have attempted to take XXXX Dollars plus for XXXX dollars I also contacted the state of Indiana as well and was hung up on by a rep which I am contacting the states attorney office next

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