vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
I followed the procedures to have my PMI removed on XXXX/XXXX/XXXX from my mortgage payment and I meet the qualifications set up by Roundpoint Mortgage. My XXXX is at XXXX XXXX after a recent appraisal which is better than the XXXX XXXX requirement and I have made several calls to Roundpoint Mortgage regarding this because they initially called and lied to me using an incorrect calculation for XXXX. They said that I did not qualify to remove the PMI and the person I spoke to had no idea what they were talking about regarding the XXXX calculation or an understanding about mortgage insurance. After several calls I finally reached someone that understood how to calculate XXXX and they agreed with me that I meet the qualifications, yet I have not been able to speak with a supervisor and associates I speak with also will not transfer me to the mortgage insurance department. I explained that I would be reporting them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A customer since XXXX, I received a letter from American Express, dated XXXX XXXX XXXX. The envelope stated, in bold : " IMPORTANT INFORMATION ABOUT THE THE PAYMENT OPTION YOU RECENTLY ADDED TO YOUR CARD ACCOUNT ''. I opened the envelope with concern, since I had NOT recently added any 'payment option ' to my card, and so feared someone had gained unauthorized access to my account. Moreover, I have always paid my American Express balance in full, every month. The letter stated, however, that I would pay a 19.24 % rate on 'Pay Over Time ' balances, as well as new 'Pay Over Time ' charges - this being the option AMEX falsely claimed I recently added - and that if I was not interested in this, I had to contact the number on the back of my Card by XXXX/XXXX/XXXX. I phoned the number and explained to an American Express representative that I did not ask to add any such option as they claimed. The representative disagreed and then launched into a sales pitch me on the 'benefits ' - that I could make large purchases for the holidays and then make payments over time ( at  19.24 % interest! ) This is an abusive sales tactic based on willful misrepresentation by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX, XXXX check number XXXX in the amount of {$1100.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$1000.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$1100.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$890.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$980.00} on XXXX XXXX, XXXX check number XXXX in the amount of {$900.00}. These are checks that have been deposited into account without my authorization. I wasnt aware until XXXX XXXX that this occurred. I didnt use this account for sometime and did not keep up with it. I tried resolving matter with Bank Of America. This transaction are fraudulent and Im being held accountable. I have sufficient documents showing that I am not responsible. All deposits are teller transaction which means teller did not verify person or any other authorized users.

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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
I received a HAMP modification 6 years ago. I have made timely payments and my account is in good standing. I made a large principal reduction on my own along with the incentives from the XXXX that owns my mortgage so I requested a recast of my loan. I was turned down but told that once I got my 6 year incentive payment they would recast. Then suddenly in XXXX XXXX I received a letter dated XX/XX/XXXX that stated my request for recast had been accepted and I would receive the documents within 2 weeks. I have called 9 times since then and each time I am told that they see the approval letter but ca n't understand why the docs have n't been sent. In XXXX I was told that I would have the documents within 30 days. the 30 days was up on the XXXX of XXXX and I still ca n't get anyone to answer me as to where the documents are. I expect a recast of my mortgage so that I can afford the payments. I am a working single mother who is trying to do the right thing but these payments need to be recast so that I can afford them. I have hired an attorney to pursue damages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX came up on my XXXX trying to collect {$1300.00}. Ive never done business with this company. Ive never received any notice from this company. Ive never received notice from previous creditor. I was not aware of this debt nor do i know what its for. Account was opened XXXX XXXX, 2016 according to XXXX. I looked up XXXX XXXX XXXX and other people complained that this company also popped up on their credit for debt they do not know of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XXXX 2017 Equifax was hiding the fact that the company data was hacked. My information was included in that hack. I was receiving their membership services advertised as protection against identity theft when my information was stolen in the hack. I was paying {$19.00} per month on or around the XXXX day of each month via direct debit. After I switched services to their free offering that they began offering after the hack, I continued to be billed. I contacted the company who refused to give me a refund even though I had been a victim of the hack, and also had enrolled in the free service which should have stopped me from being billed any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This claim is towards Experian ; XXXX. XXXX XXXX, XXXX, TX XXXX. I have tried multiple times contacting Experian that the account XXXX XXXX XXXX is due to be deleted from my account XXXX XXXX, They " Blocked '' me from disputing this account online saying that they were n't going to review it again when " CLEARLY '' they are in the WRONG!! They should not block customers from disputing items especially when they do n't " SHOW '' any " PROOF '' of their findings. They are so " QUICK '' to say that the account is " VERIFIED '' but they refuse to show you how the account was verified. That action in itself is " POOR '' business. According to a credit  report that I have from them it says the account is due to come off XXXX XXXX. The other two credit bureaus XXXX XXXX XXXX XXXX XXXX have already deleted the account but Experian refuses to.

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 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
We fell behind two to three payments, we had to take a XXXX payout because Im XXXX. Husband being in the military we only make so much each month. He has gotten phone calls 9 times a day almost 7 days week, customer service has cussed at him several times, we told them we wanted split the payments up between the paychecks, they would not work with us, they have even threatened repossion numerous time even though we keep sending money. Their intrest rates are completely criminal, XXXX XXXX or higher. They have told us we owe 80 days past due when were only two month behind. They say we owe almost XXXX and some change, we been trying to work with them to get a payment assistance help, they wont help give any kind of breathing room, Im veteran and my husband is active duty and were only working off his income right now. Santanderconsumer USA has been unprofessional and has not been running a good business if you check the reviews on google hardly anyone has anything good to say about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
I do n't have an account with XXXX XXXX which has sent an account listed in my name to an Attorneys office for collection. 

This account was written off 2 years ago according to the letter attached with XXXX XXXX. This account was opened " online '' which was not by me, therefore, XXXX XXXX does not have a signed contract from me. 

XXXX XXXX has agreed to Cease and Desist their collections. 

However, I just received a notice from : XXXX XXXX, XXXX XXXX XXXX XXXX OF XXXX, STATE OF NEVADA regarding XXXX XXXX XXXX vs XXXX XXXX. 

They want to file a Default Judgment on me. 

This is not my account. 

XXXX XXXX has Ceased all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I signed up for the Citi XXXX Card in XXXX and the advertisement said there was a XXXX points sign up bonus after {$4000.00} spending within 3 months, with the condition that " Bonus XXXX XXXX are not available if you have had a XXXX XXXX, XXXX XXXX or Citi XXXX card opened or closed in the past 24 months '', as still posted on Citi 's  XXXX sign up website. 

I met the spending requirement in XXXX, and i never have a XXXX XXXX, XXXX or XXXX XXXX before. However, I never receive the XXXX bonus points, and upon my inquiry to customer service, they said I am not eligible because I closed a XXXX XXXX card in the past 24 months. I asked again where was the language about the XXXX XXXX card posted in the website or in the terms in I received in the card application, they replied that " The offer to receive bonus XXXX points is not eligible for any card products which previously earned XXXX points and were opened or closed within the past 24 months. ''

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 2017-11-14 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: FL

Complaint narrative:
I 've submitted a complaint twice and I need to get this issue resolved. I have a inquiry that I did not allow to be on my credit report. I 've called and reported and no one has been helped.

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 2017-11-14 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding aka MCM Midland Credit Management keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from XXXX XXXX from XX/XX/XXXX. This was from a root canal and capping of a tooth that had  to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the XXXX account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, XXXX brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to Midland, but they just would n't do anything. I offered to pay {$30.00} a month to XXXX and to Midland and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I refinanced my home in XX/XX/XXXX with same company ( Wells Fargo ) using the HARP Program but a year later they are telling me that my mortgage incurred a escrow shortage of over {$1800.00} which will add {$200.00} to my {$1600.00} payments. I am now paying more than I did before I refinanced. I was given an overpayment escrow check of {$840.00} but I turned around and applied it to my refinanced loan because I knew it was n't free money. I 'm not certain in if it was misapplied or not. Also, my tax assessor stated that my taxes did not increase more than $ XXXX {$300.00} in XX/XX/XXXX. Another words, I did n't have a big tax increase. I 'm wondering if it was a mishap when they refinanced originally back in XX/XX/XXXX and did n't calculate the escrow properly in the 1st place. I called Wells Fargo for an explanation regarding the large escrow shortage because as long as I 've had a mortgage its never been this much. This is really causing me a hardship. I refinanced to save money and now its costing me more than the original mortgage payments. By the way, the person I spoke with at Wells Fargo said that they like to have at least {$1300.00} extra for escrow beyond what is actually due and that 's nice but its not affordable for me.

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 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Hello m name is XXXX XXXX, I am trying to deny all medical collections on credit reports. They are also duplicated numerous times on my credit report. I would like to know how I go about fixing this problem. From my understanding all medical issues should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine

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 2017-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northeast Recovery Solutions, LLC
State: CO

Complaint narrative:
NorthEast Recovery Solutions LLC XXXX north XXXX XXXX XXXX XXXX XXXX, ny XXXX XXXX contacted me regarding a debt I owe. The message they left on a business phone contained most of my personal information. It also contained language about a pending complaint filed against me in my county. I called them back at the number they provided- they gave me more data, but would n't let me talk in any way. Then my husband called them back, she did n't verify any data, just proceeded to give him all of the information and then proceeded to insult my character on the line. She would not provide any data as to who her company was or their contact information. I called them again and asked for her supervisor, her supervisor said that she sits right next to this person and that she did everything right. That she would not review her call and that she, the supervisor, had no superior to speak to. 
They proceeded to dial over and over again to all of our numbers, from phone numbers that varied. When I called back to discuss the reference number they left me and to ask them for their company name and contact information - i was disconnected. 
I called back and was told that I need not call them again as they would file harassment charges against me for merely asking them to identify themselves. 
The woman proceeded to contact my husband, to tell him that I was threatening them and using foul language with them. Complete and total lie. 
I filed a complaint with my Attorney General who confirmed they are n't even licensed to collect in the state of Colorado. 
Not only would they not identify themselves, they gave away personal information without verification, they defamed my character, and then would n't deal with me on my own debt and threatened to file legal action against me for wanting to know who I was dealing with. When i asked them to only communicate with me via mail, they said that I did n't understand the law and that they could do whatever they wanted to collect the debt. Additionally, they do not let you speak. XXXX XXXX or XXXX and XXXX XXXX were horrific and impossible to deal with.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-14 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
After pulling my XXXX credit report on XXXX/XXXX/XXXX I found two tradeline errors from Synchrony back for two accounts whichare not my account, I am unaware of account numbers nor did I authorize the opening of any accounts with this bank. On XXXX/XXXX/XXXX I wrote a letter to the bank and mailed it certified mail. It was received by the bank on XXXX/XXXX/XXXX. The first response from the bank was dated XXXX/XXXX/XXXX and did not provide any rational for why the investigation determined the account ( only one of the accounts not both ) was mine, it was a generalized letter that only confirmed that my address was different than the address listed on the account. I sent a follow up letter explaining this was a non response and noted the letter admitted that information on the account did not match the information I had provided. 

On XXXX/XXXX/XXXX I received a second response dated XXXX/XXXX/XXXX and stated they had no knowledge of an account and asked for information, which I had provided in the original letter to the bank. I replied to the bank on XXXX/XXXX/XXXX explaining the incorrect tradeline error and outlining my communications to date including the errors noted on the banks form letter responses and providing all the information requested in the second response letter to include copies of the credit report showing the error which was included in my original letters. 

On XXXX/XXXX/XXXX I received the same original form letter with no acknowledgment of the detailed information I had provided or the required written justification for why their investigation concluded that the tradeline were accurate. Furthermore, one of the accounts listed an open date on my credit report which was in XXXX which would mean this bank opened an account for an XXXX XXXX XXXX if you assume their investigation concluded the tradeline was correct. 

I provided sufficient information to the bank in all of my communications ( all via certified mail ) to identify the inaccurate accounts and make the required tradeline corrections with the reporting agencies. To date all communications from the bank have not meet the requirements to investigate and provide correction or written justification in compliance with the law. I have copies of all communications.

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