vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
During the government shutdown I spoke with Carrington about my inability to pay my mortgage ... they said I would be helped but they sent someone to my home to take pictures and continued to send me foreclosure notices in the mail ... the day the government shutdown ended they refused to take my payment without a {$20.00} up charge and they tacked on late fees and they didnt offer me any help ... I also tried to get a home line credit loan of which they gave me the run around and never gave me an answer ... Im still trying to catch up with my bills and I filled out a promise to pay request where they are refusing to accept that because now they claim I broke a promise which is not true .... I have tried to speak with them several times and they only give me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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:
I purchased a mattress from XXXX in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from XXXX. I never again used the XXXX XXXX MasterCard and called the XXXX credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with XXXX that the credit card had any current unpaid balance. I received a letter from Midland Credit Management this week that said my XXXX MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from XXXX or XXXX to notify me of three separate fraudulent charges on my credit card. Midland Credit told me today when I called them that my card was used fraudulently three times in XXXX XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my XXXX MasterCard once to purchase my mattress. Midland Credit advised me today that once my XXXX XXXX Mastercard was charged off and closed that it would not show up on my credit report. XXXX at Midland Credit told me it was the policy at XXXX to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX  XXXX, MO. XXXX, XXXX and Midland Credit Management are attempting debt collection on fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This was a debt from XXXX, discharged in bankruptcy in XXXX. I have REPEATEDLY disputed this debt with Resurgent ( the collection company ) teeming them if was discharged.. They once again send a statement of the debt from XXXX, and start the whole process over stating that if I don't dispute the debt in 30 days, it will be valid.. This has been going on for months, if not years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I purchased a mattress from Sears in XX/XX/XXXX for {$980.00}. I paid the balance off in full when I received the bill from Sears. I never again used the Sears Citibank MasterCard and called the Sears credit card department to close the account on XX/XX/XXXX at XXXX XXXX. I was never made aware during that phone call with Sears that the credit card had any current unpaid balance. I received a letter from XXXX XXXX XXXX this week that said my Sears MasterCard was charged off with a current balance of {$1500.00}. I never received a single phone from Sears or Citibank to notify me of three separate fraudulent charges on my credit card.  XXXX XXXX told me today when I called them that my card was used fraudulently three times in XXXX  XXXX, MO in early XX/XX/XXXX. I live in Virginia and have never stepped foot in the state of Missouri. I used my Sears MasterCard once to purchase my mattress. XXXX XXXX advised me today that once my Sears Citibank Mastercard was charged off and closed that it would not show up on my credit report. XXXX at XXXX XXXX told me it was the policy at Citibank to wipe it off my credit report when the credit card account is charged off and closed. I have my XXXX phone records and bank statements to verify that I was never is XXXX  XXXX, MO. Sears, Citibank and XXXX XXXX XXXX are attempting debt collection on fraudulent charges.

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 2019-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Please help me. I'm XXXX and XXXX, that said I have PayPal business customer service and supervisors on the recording I told them that I was recording and I caught the attention of not one, two or  even three lies but they were knowingly holding my money for the second time and permanently banning my ability to work with them again and I am still waiting for any reason or explanation or indicationof how or what the problem was. Well after the 1stagent claiming to be a supervisor he has to finally admitthat he is not and I asked him to transfer the call to a real supervisor, but not before asking for his employe ID # which I find out by the real supervisor that he gave me a false I'd #. I'm gon na digress because it gets so much worse and I will let whomever I decide to trust listento the unparalleled XXXX XXXX that justified them lockingme out of my own money. Please, help because I am an XXXX but I know when I am being bent over. Sincerely and my apologies for the language. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: LA

Complaint narrative:
I applied for this installment loan on XX/XX/2019 for the amount of {$1200.00}. This amount was deposited on that date. If not paid in full at any given time the APR is 673.84 %!! 
I was not able to pay in full. The following payments have been taken out of the XXXX checking account I had at the time. {$320.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, & XX/XX/19. A total of {$1600.00}. I closed this checking account because I had taken out several of these in the middle of a XXXX  spree. I had no money left and no way to continue to pay these outrageous fees!! 
I have since acknowledged that I have a XXXX  problem and am in counseling and XXXX XXXX. I am getting help for this problem. 
I have contacted Amplify Funding and asked for a settlement. They will not accept less than {$1200.00}. Making me pay a total of {$2800.00} for a {$1200.00} loan! I was told that I could pay {$50.00} biweekly but another {$1200.00} is outrageous and unreasonable!! Not to mention would take two years to pay off. 
I am asking that this debt be considered paid in full or a more reasonable settlement. 
These companies prey on people like me who look to this as a solution in complete insanity and desperation! These companies should not be able to get away with these outrageous fees!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Chase Slate credit card services, I have been a member of this credit card for at least 15 years, I NEVER MISSED OR MADE A LATE PAYMENT ON ANY OF MY CREDIT CARDS, HOME MORTGAGE OR ANY OTHER BILL IN MY NAME. THEY NEVER PUT THE INTEREST RATE ON THE FRONT PAGE, KNOWING MOST PEOPLE ARE SO BUSY IN TODAY 'S DAY AND AGE TO LOOK ON THE SECOND PAGE, AS I DISCOVERED LAST YEAR I WAS BEING CHARGED THE OUTRAGEOUS INTEREST RATE OF 28 % AND I HAD A CREDIT SCORE OF XXXX. I CALLED CUSTOMER SERVICE AS TO ASK WHY ( WITH ALMOST A PERFECT CREDIT SCORE ) WHY I WAS BEING PENALIZED WITH SUCH OUTRAGEOUS INTEREST RATE WHEN I HAVE EXCELLENT CREDIT????? OF COURSE THEY HAVE ME SOME LAME EXCUSE TO TRY TO JUSTIFY THEIR TOTALLY UNETHICAL PRACTICES!!!! I CHALLENGE ALL PEOPLE IN THE ENTIRE USA TO BOYCOTT ALL CHASE CREDIT CARDS AND SERVICES!!!! WAKE UP AMERICA AND BE HEARD!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I have previously filed a report to you about this company. The company told me that they would get back to me with information regarding this debt. They never did. The complaint filed with you was closed. I assumed the matter was closed as I do not owe this debt. 

On XX/XX/2019 I received an email from XXXX XXXX of Caine & Weiner asking me to pay this in full and threatening to report this on  my credit. 

I have replied once again that I do not owe this debt. 

I feel like this company just wants to keep sending these emails with the hopes that I will eventually just pay them. They have offered no proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
Guardian Capital Management LLC, the collections agency in charge of the account in question, hired a process server to serve me court papers. The process server went to my building and asked if I was home, upon being told I was not there, he served the court papers to the third party, my neighbor. This is an embarrassment and violates the Fair Debt Collections Practices Act. This breaches all privacy laws put in place to protect borrowers from their personal information being distributed to anything other than the borrow or their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: MI

Complaint narrative:
I asked transunion and XXXX to be compliant with federal tax code, to which they havent with regards to my complaint.Under article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. 
When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force transunion and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking trabsunion and XXXX do the same.

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 2019-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I applied for a loan modification which was temporarily approved for 3 mos. The payments were being submitted as agreed. I attempted to make the 3rd and final payment but it was declined. Caliber Home Loans stated that they discovered a title lien on my property. I advised  them that it was not me. My temporary modification was revoked. I did my part and reached out to the lawyer offices and XXXX XXXX XXXX XXXX XXXX. All companies involved agreed and stated that it wasn't me. However, Caliber Home Loans didn't take the time to investigate or contact anyone. They wanted me to produce a letter from a law firm stating the above. The law office in turn stated that for legality purposes they couldn't produce a letter since I wasn't a client and the mortgage company is well aware of this fact. The law office stated that all Caliber needed to do was call them to verify that I was not the person listed in the judgement. I resubmitted several loan modifications and an appeal which was denied. I was only given the option for a short sale or deed in lieu foreclosure. At this point, my home is about to foreclose simply bc of an error and someone failed to do their job. I'm currently working with a law firm who has verified that the lien isn't mine and helping me with some options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Portfolio Recovery Associates, LLC ; here is the list of their unlawful collection practices. 

1. They claim ownership of debts that other collection agencies also claimed to own. 
2. When asked to verify ownership of said debt, they provided to me fake/false documents to establish ownership of said debts. 
3. They have called me repeatedly after I have sent them certified mail requesting all communication be through mail only. 
4. They " re-age '' claimed debts on my credit report. 

Dates of activities : XX/XX/2015 - current day. 

Actions by Portfolio Recovery Associates - hundreds of phone calls from XXXX to present day, falsified records, dates, and reporting on credit report. 

Actions by myself - variety of certified letter mailings to Portfolio Recovery Associates requesting VALID PROOF OF OWNERSHIP AND TITLE OF DEBT, disputes to credit reporting agencies, and many hours of research. 

Summary : junk debt buyers can not simply claim to own a debt without proper LEGAL proof. They also can not " investigate themselves '' when a question of validity comes in to play. This company has violated the FDCPA in multiple ways. 

*** Proof is not a letter the junk debt buyer creates themselves**

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 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: TX

Complaint narrative:
I have had student loans since XXXX ... I went to quite a few schools and graduated in XXXX. I originally had some direct loans and paid XXXX XXXX I think. I had some loans from XXXX that were FFEL loans and then Direct loans for my Masters. ( I am a XXXX ). In XXXX they were all consolidated into FFEL loans and I was told to pay XXXX ( XXXX XXXX ) so I did. I just kept paying. When PSLF came around in XXXX I was told I was on the right plan. I really wasn't told anything except to pay 120 payments and work for public service. In XXXX, I received a letter saying I would have a new loan servicer which would be XXXX. They sent me something to sign even though I don't actually remember that ( they just said I did and sent me a copy of it ) to consolidate with them and just keep paying so I did. I have paid 120 payments. I have worked as a XXXX for all these years as well. I applied for PSLF and received a letter stating none of my payments count because until XXXX they were FFEL loans, and I was under the wrong payment plan when they were consolidated with XXXX. They are saying I need to start all over. Are they crazy??? I have been paying them for what seems like my entire life. The government is the one that consolidated many of my loans to FFEL in XXXX. Many were Direct loans to start with. At this point I am XXXX, and I certainly don't want to start my 120 payments again. I truly feel they made this plan up as they went. In XXXX the game was work in a government job and make 120 payments. Now they want to change the game. Tell us certain loans apply and other don't. Well in my case, the government decided to consolidate my loans into FFEL loans. I could have cared less what kind of loans they were or who I was paying. I was just trying to pay the off. I feel like they are cheating many of us out of something we have been working towards. I have paid 120 payments totally {$39000.00}. since XXXX. I have been cheated and lied to. I am sure I am not the only one in this situation. The system needs to be fixed. It needs to be fair for all of us that have paid, and worked for years thinking we would get our loans forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: NY

Complaint narrative:
I had account with XXXX and I called them before I move but they billed me after I moved then I called them they said they will fix it but they didn't .they have conversation record you can ask. But finally falsely they reported to Equifax XXXX. But Equifax also updated that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Asked for verification of debt and was sent a letter that said that debt is valid and cease of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted the account protection department of comenity capital XXXX Master Card because I was notified that my account was closed. The account was paid off XX/XX/XXXX and when I asked the customer service rep why it was closed she had no idea and said possible fraud but she didnt understand why it was closed then she proceeded to say I could speak to a manager and look into reopening once she did she said it could not be reopened it I would have to reapply. Several of my friends have accounts or I should say had accounts with this bank and they would open the account and close it there are multiple complaints about them closing the accounts after opening them for a short period of time. Something needs to be rectified here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Back in XX/XX/2018 i wrote a letter to Comenity Capital Bank stating that they are reporting on my credit report a debt that i do not owe. They sent me a letter back stating that the debt was mines and they cant update my records reflecting that i do not owe this company. The are stating that i owe them {$2900.00} which is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: MI

Complaint narrative:
I asked XXXX  and XXXX and Experian to be compliant with federal tax code, to which they havent with regards to my complaint.ive filed 3 disputes with all three companies under this premise article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these attached debts arent mine and need to be removed.

When I refer to these debts. I'll attach the debts/creditors charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX  and XXXX and experian to follow the law and remove these attached debts from my credit report. Experian followed the law now in asking XXXX and XXXX do the same.

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 2019-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Repeated illegal calls from a spoofed phone number. I finally answered and they refuse to say who they are or why they are calling unless i give them my name, date of birth, address & social. When i told them i would not give them that they got verbally threatening, cursing and screaming saying they would send an armed agent to arrest me at work! I owe NO past debts and im on the DNC list. Clearly a scam.

Company response to consumer: Closed with explanation