vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Recovery Consultants, Inc.
State: IL

Complaint narrative:
The Company Professional Recovery Consultants felt the need to call my job. Another colleague with the same name to my own answered the call, and the worker gave her the last 4 digits of my social and was asking if she was me and was harassing her. I work in a XXXX, specifically in an XXXX XXXX, and was getting ready to talk to a relative of a XXXX XXXX. This is about a month after they called my boyfriend to get information from him about me. 

This occurred on XX/XX/2018, around XXXX. The website for the company is https : //prorecoveryinc.com/.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Tried to freeze this account bankrupckty approved and valid dismissed need removed off credit. Account was in XX/XX/2015. Credititors should not be able to see this banlrupckty. 2. Send a procedural request letter to the credit bureaus. If the bankruptcy is verified by the credit bureaus, you will next need to send them a procedural request letter asking them who they verified the bankruptcy with. The best way to write a procedural request letter is to use my sample letter here.

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 2018-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX XXXX our mortgage company is Carrington Montague serving LLC Account Number : XXXX. On XX/XX/2018 a tree fell on my garage. It went through the garage and through the ceiling causing quite a bit of damage. It took us a long time to find a company to do the repairs with the amount that was sent to us to repair the damages. When we deposited the check the bank deposited the amount into the account and then stopped payment because they said that the XXXX XXXX must also sign the check. ( see attached letter that the check was attached to, note the end of the letter says CASH IMMEDIATLY ) now the roof is off completely because we thought that the money was in the bank to pay the repairman.

Our premium is paid by us through the escrow account and is paid until XX/XX/2018 It is such an inconvenience to have to wait for another check to be re-issued sent to us and then sent to them to have them sign it Why they don't pay for our insurance policy we do!! insurance XXXX XXXX XXXX claim # XXXX Policy # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc
State: CA

Complaint narrative:
Repeated calls from XXXX National Commercial Services. The same Voicemail everytime.

" Hello this is NCS with an important message regarding an unresolved claim. Your insurance information or satisfaction of this claim is needed to conclude this issue. Please call XXXX to speak to your representative '' I don't have any outstanding claims. I've tried to call the number and no one ever answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My credit cards were stolen last year including Chase ending in XXXX. My credit dropped from 700 's to below 500 's. All credit companies have worked with me except Chase Cardmember Services, XXXX XXXX XXXX, XXXX Delaware XXXX. I had health issues, then theft, then Hurricane Harvey, 34 '' water in home, lost office, a catastrophe that is still existing. Chase said that I said " I can't remember '' or I don't know and based their decision on tha and that I didn't contact Chase, Didn't make payments on card, and didn't contact Chase until XX/XX/2018. This is not true. Chase doesn't understand being overwhelmed or catastrophes. Chase allowed the thief to make payments that then bounced thus allowing the thief to go above all credit limits. Chase did not research the accounts used to make these payments and will not send me the account info used thus protecting the thief. I have been very open and will assume all debt that was mine prior to theft. I was coerced by Chase collections to make a payment and then fraud department said I assumed the debt by making a payment. I want to pay only what I incurred and I want to continue payments as before theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage company is literally holding my credit hostage. They reported a 30 day late payment to my credit report while Im in the process of trying to get a loan with another lender ( maybe intentionally to keep this from happening ). My payment was NOT 30 days late however. We made payments on XX/XX/XXXX and again on XX/XX/XXXX. This time period is not over 30 days due to XXXX XXXX in XXXX. I wrote a formal letter to their research department stating this, and after 30 days exactly they responded that they could not remove this from my report. Furthermore, they are now suppressing the credit reporting of my on time payments for 60 days due to the dispute being filed! This is also hurting me because I am in the middle of trying to get a loan with another company, and to do so I need to improve my credit scores. This is next to impossible when my credit reporting is being suppressed by Carrington Mortgage for my on time payments. Lastly, I have called them to request a letter be sent to the company I am working with to improve my credit scores to let them know that I have made on time payments, and they refuse to do that as well! I called XXXX XXXX to do the same thing, and they literally had me a letter within the hour. They told me at Carrington that I had to go back through the research department to request this letter, and that is the only way that I could get them to send it. I find this to be very archaic, and not up to date to the digital age of sending and receiving faxes, emails, etc. This process as well could take up to 30 days. I find this ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: MT

Complaint narrative:
Company has not provided the proof that I have requested numerous times ' ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have requested documentation of my signature on any of the aforementioned accounts, and none has been supplied.

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 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have been with PNC bank since XXXX and have used their bill pay system to make reoccurring payments and one time payments. I did a one time payment to my association for {$25.00}. On XX/XX/XXXX I received an e-mail that my account was overdrawn. I had plenty of money to cover it so I called that evening. I was told that on top of my checking account I knew about, there was another checking account and savings account that I never knew about opened when the account I knew about was. There was never any funds or activity in these 'extra ' accounts but PNC sent the check from one of these with no funds. PNC assured me they would remove the fees and close these extra accounts to ensure this would not happen again. The next day my App looked different and I sent the {$25.00} again. The same thing happened! This time I went to the bank and spoke to XXXX XXXX and she said she saw that I called and that and they again would waive the fees and make sure the accounts were closed but it would take a couple of days. She told me to transfer {$25.00} in the 'extra ' account which I did in front of her with my phone. Yesterday I got a call from the bank where I was told they weren't waiving the fees and there was nothing I could do about it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I submitted updated income information for the PAYE Plan to Nelnet. I anticipated making an on-time payment under my then REPAYE plan as a qualifying payment toward Public Service Loan Forgiveness. This payment was due XX/XX/XXXX. 

On XX/XX/XXXX, Nelnet sent me a disclosure that my IDR request had been accepted and that I was being placed on an Administrative Forbearance for a month. It stated I had the right to have the forbearance removed. I had not authorized this forbearance, making it invalid. 

I made several requests to have the forbearance removed, and was initially told that that was not even an option. Then I was quoted several different payments due immediately if I wanted to go into repayment, including one of over {$1000.00} ( which was totally incorrect ). They also suggested at one point that they put me in the standard repayment plan in order to make a XX/XX/XXXX payment, even though they later then admitted that I would then have to reapply to PAYE if  I did that. 

Finally, I was advised to call in and ask for a manager, who told me that they could remove the forbearance, but that that I would owe a payment of {$90.00}. I was fine with that. However, they also stated that even though I would owe that money I would not be on a payment plan of any kind ( including the standard repayment plan, which qualifies toward Public Service Loan Forgiveness ) and therefore the payment would not count toward Public Service Loan Forgiveness. Despite Nelnet 's claims, it is not possible to owe a student loan payment and not be in some kind of repayment plan.

Nelnet is just putting people into administrative forbearances in order to make money off of the capitalized interest. Their refusal to put me back into repayment program is an unfair, deceptive, and abusive practice and violates other applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: MN

Complaint narrative:
Spouses first consolidated loans in XX/XX/XXXX and later refinanced the consolidation loan in XX/XX/XXXX with a balance of {$110000.00}. Husband diagnosed with chronic XXXX XXXX and unable to maintain income. Hardship deferral offered. Loan balance grew and is currently {$270000.00}. Now paying on income-based repayment plan but do not anticipate ever having enough income to pay off the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: MD

Complaint narrative:
i can no longer open accounts with any bank do to fraudulent activity with my bank of america account in a result of my information being stolen.

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
InXX/XX/XXXX, I made payment arrangements with Client Services regarding Capital One Bank, N.A. to settle the account in full under the condition that they would remove the account from my credit report. The company agreed. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a year. They also have told the credit bureau that the account is reported accurately and that is not the case. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having Capital One Bank NA/Client Services remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so it needs to be removed from my report. Account Number XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : Capital One Bank, took payment to close this account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
I used a company called the XXXX XXXX, XXXX. to help me with a mortgage " Adjustment '' after having issues with my lender 's payment process. My loan ID was incorrect and payment was " denied '' and considered " late ''. I sought out help to possibly get my mortgage adjusted and become current. I was told NOT to communicate with my lender directly and to send ALL mail received to the XXXX XXXX. I was asked to make payments of {$870.00} for the next 3 pay periods, of which I made these payments to the " XXXX XXXX ''. The process has taken over 3 months and now I have received a letter from my lender stating that they will not do any mortgage adjustment or forebance for my mortgage and that I must pay {$9700.00} + late fees within 16 days or I will be Foreclosed on. I can catch up on this mortgage if given another month or so, and plan to make a payment of half of the total balance due by XX/XX/2018 of {$5000.00} and will have issues trying to get together the additional ( approx ) {$5000.00} by my next pay day on XX/XX/XXXX, of which I will be an additional {$1800.00} past due. I have asked for more time, and have been denied this request. I have equity in the home that would more than cover these amounts, however after being scammed by the XXXX XXXX, I'm simply left with no time to recover.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: MT

Complaint narrative:
Company has not provided the proof that I have requested numerous times ' ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have requested documentation of my signature on any of the aforementioned accounts, and none has been supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
I closed my XXXX XXXXXXXX account in XX/XX/XXXX, I was paid up till shut off on XX/XX/XXXX. I received boxes from XXXX XXXX in mail on XX/XX/XXXX and sent all equipment back to them in pre labeled boxes on XX/XX/XXXX at XXXX. Tracking number XXXX and XXXX. I have called and sent copies of original receipt to them and they still messed with my credit score. Then I got another bill for the month of XXXX for t.v. and internet because they said I never turned in boxes. Plus late fees. Over 200 bucks for bill and XXXX bucks for equipment. Then debt collection practices of hitting credit score, credit control corporation hit score on XX/XX/XXXX, but sent letter on XX/XX/XXXX to me, informing me of debts. I sent proof, but credit score impact hurts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: TN

Complaint narrative:
I'd like to sell my house which is currently under the HAMP mortgage program. It's been over 3 years since this mortgage was established. I'm current on all payment and have an good track record with the mortgage company XXXX XXXX XXXX based in Colorado. I owe more on the house than what I can sell if for. I was told when I received the new HAMP mortgage from XXXX ( they subsequently sold it to Statebridge ) that the deferred principle would be forgiven. I discovered this two week ago when I asked for a " payoff '' document. The payoff document said I still owed the entire amount of the XXXX redo mortgage. Statebridge is not responding to my last two email request. Below is information on the PRA statuteCan you help me? - Thank you - XXXX XXXX How the PRA Program Works PRA is a deferred principal reduction program that allows a borrower to earn the principal reduction ( the PRA Forbearance Amount ) over three years. Over the three-year period, one-third of the PRA Forbearance Amount will be forgiven each year ( on the anniversary of the borrower 's first trial modification payment ) until the entire amount is forgiven, as long as the borrower remains in good standing. In this manner, the entire PRA Forbearance Amount is eventually reduced to XXXX. ( If a borrower loses good standing, any reduction in principal that has not already been forgiven is considered a non-interest bearing principal forbearance for the remaining life of the loan which becomes due when the borrower sells, refinances, or at the end of the loan term. ) Borrowers who receive a principal reduction under PRA should consult a tax profession to discuss potential tax implications related to the principal forgiveness.given principle. I recently found a stipulation in HAMP loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: PNC Bank N.A.
State: OH

Complaint narrative:
After I notice my account was charge a wrong amount. I contacted the fraud number write away to let them know. I was told that a affidavit will be sent to my house. Fill it out and send it back as soon I can. I never gotten it and the XXXX was taken out again after a temp credit. No advance notice and no affidavit was ever receive. I did call to asked for another one sent out. Again never got one. I the file a complaint and with so many word. I was told now its because its past 60 and they are within the federal law and banking guide line. So as a bank member I did what I was so posed to do. The executive representative told me over the phone in the branch office of PNC. It was not going to be refunded .I believe it to be wrong and fraud on the behalf of big lot and PNC XXXX 
I even offer a copy of the recipe to the bank. At first they said they cant read it. Then it didn't matter. 
Thank you for your help in this matter My phone do not work write now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they have already sent the request to the credit bureaus to delete the account. As of today, XX/XX/XXXX, Experian is still reporting the item. I would like for them to comply with the company and remove the debt.

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Open account with Care credit back in XX/XX/2014. I use the credit card a few times but didnt actually receive any services because I had a change of heart they refunded everything expect XXXX plus interest back and late fees mind you I never received any services from these places I was going thru ... I made a few attempts to try to settle by paying them XXXX a month until XXXX was paided in full but they directed me to their lawyer ... A lil bit away this happened I check my credit report and they are on their saying I owned them XXXX!!! I never even received any services so Im confused on why should I pay something thats no being received ....

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 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
Ive recieved multiple calls from this company threatening me, called my employer. They left personal information on my voicemail and my old employers voicemail such as birthdate, last 4 of social. Threatened to have my license suspended and take forceful action

Company response to consumer: Closed with explanation