vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: United Collection Bureau, Inc.
State: NE

Complaint narrative:
I am need of help on how to proceed with credit card debt : 1. Signed up with a credit card debt consolidation company 2. No results, so stopped sending payments 3. Filed a chapter XXXX bankruptcy 4. Voluntarily dismissed due to large IRS debt on both ex-husband and myself that made payment unobtainable. 
5. Obtained a mortgage modification to save house. 
6. Communicated with IRS to become 'non-collectible ' Currently, credit card debt that had sat idle is now coming forward to collections and I need assistance on how to proceed effectively. 

I 'm afraid that bank accounts will begin to be levied or propterty seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Unauthorized Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On credit reports, I have found out all XXXX collections happened in the middle of staying in XXXX on the time frame XX/XX/XXXX-XX/XX/XXXX, which in no ways and in no reasons I subscribed these utilities. 
XXXX collections were as follows : *XXXX in XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$240.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... {$320.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$2000.00} I have disputed this problem on XXXX credit report on the ground of alibi with some initial partial result ( Case No-XXXX ). Now comes I would like to dispute the same problems on other XXXX credit reports, Equifax and XXXX. 
I had been XXXX from XXXX XXXX to XXXX XXXX. Upon the departure on XXXX XXXX, XXXX, I deliberately left my house vacant without any authorized occupant at XXXX. By XX/XX/XXXX I was informed that the house had been broken in at least 10-20 times. The valuable properties in the house and the XXXX XXXX XXXX in the garage were stolen. They might include the check books of XXXX banks ; ID and several credit cards ; computers and personal, investment and legal documents, and others. The loss of properties in the house was settled with XXXX by year XXXX. And the loss of vehicle is still dragged on with XXXX.Because the house in XXXX has been extensively damaged without utilities and therefore, uninhabitable ; I had to settle in a house of friend upon the XXXX on XXXX XXXX, XXXX at XXXX. 
Please help me to resolve the problem during the hardship. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX Product. 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX. I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a XXXX balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Additional derogatory information is stated below that should be removed from Equifax CREDIT REPORTING BUREAU Remove XXXX from my credit report permanently Correct COMMENT by XXXX exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX : XXXX Account was settled and paid as agreed. Remove negative comment " Paid for less than full balance. '' XXXX : XXXX-Same Account as XXXX Both Exceeds 7 Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
Dept. Of ED/XXXX : Consumer does not dispute that I was never late-ACN : XXXX ... And XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I refinanced my home in XX/XX/XXXX with XXXX. The collected taxes due - {$1800.00} - were to be paid from the closing proceeds. They also collected {$600.00} initial escrow for making my homeowners insurance payment which was due in XX/XX/XXXX. Before I could make my first payment, the loan was sold to LoanCare ( a XXXX company ). Everything seemed fine until sometime in XX/XX/2017, I received a notice that my homeowners policy has been cancelled due to no payment received. After a call to LoanCare, they made payment to restore my insurance. It was at that time, I noticed my escrow balance was in the negative by over {$1000.00}. I was unsuccessful getting any explanation from LoanCare, so I contacted XXXX to insure my initial escrow balance was transferred, which it was. I confirmed that with LoanCare later. It was at this time ( probably XX/XX/XXXX ), I was informed that LoanCare had paid my tax bill in XX/XX/XXXX. So I subsequently called the XXXX County Revenue Dept and they confirmed they had received two tax payments ( one in XX/XX/XXXX from the closing proceeds and another XXXX in XX/XX/XXXX from LoanCare ). They further informed me the duplicate payment had been returned to LoanCare on XX/XX/2017. I called LoanCare again ( this was about two weeks ago after I received my statement still showing a negative XXXX escrow balance ). The " customer service '' rep informed me their escrow payments are processed by a 3rd party who could not be contacted but that it takes 30-60 days to process returned payments. They could n't provide a contact at the 3rd party nor could they confirm they had even received the returned payment. Their website does n't provide escrow balance information so I can not confirm if it has been processed yet ( 60+ days later ). I also emailed their customer service department to request this be resolved and with the additional request that I take control of making these payments since they are so inept. No response.

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 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My wife and I opened up a Checking account with SunTrust XXXX because we just purchased a Winter retreat in XXXX. We used the account of till XXXX once our home purchase was paid off. We arrived in XXXX in XXXX and on XXXX we made {$1000.00} personal check deposit and on XXXX we made a {$1000.00} personal check deposit. These personal checks were from our neighbor in XXXX. The first deposit of {$1000.00} was reflected on our SunTrust Deposit, however we went to SunTrust Bank to check on our account and were then notified that our SunTrust Account has been closed and the XXXX deposit 's that we made we withdrawn from our account and are being investigated for possible fraud. I contacted the Fraud department and they will not release any information to us. In the meantime the person that wrote the personal checks contacted his banking institution ( XXXX - Phone XXXX ) and the monies have been withdrawn from his account. I have attached copies of the XXXX checks, the SunTrust deposit receipts for both transaction, our banking statement showing the first deposit and finally a notice from SunTrust closing our account. This is my formal complaint against SunTrust and we request a prompt resolution and reimbursement in the amount of {$2000.00} for our XXXX checks.

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 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: ME

Complaint narrative:
The loans started with XXXX back in XX/XX/XXXX then apparently have moved all over Navient, PHEAA, AES, XXXX 
Back in XX/XX/XXXX I contacted your office XXXX was very helpful and was advised what to do to bring this loan out of default which we successfully did and per advise from your office we applied for and was granted the IBR program XX/XX/XXXX, paying ever month {$120.00} to AES among other names. Which I believe these companies change to their benefit. 
XX/XX/XXXX recertification came up and we again were granted the IBR for {$30.00} XX/XX/XXXX let me add here this was all done by a higher up supervisor at AES who had all information in front of her .This payment was based on family size and other considerations. Only to have this rescinded XX/XX/XXXX. When I called AES this supervisor said they had made a mistake, but I said I had been on the same program for over a year. 
My husband is XXXX, our son has XXXX which is why he went to XXXX which promised him education leading to a good job in XXXX which never happened although he did graduate in XX/XX/XXXX with his XXXX. The only thing to come out of it was a tremendous debit. Which we keep trying to pay, but the rules keep changing to the benefit of these above mentioned companies even when one does what one is guided to do. 
Today I get a letter from PHEAA stating that default consequences now are 19 % and {$8300.00} this is in addition to an already growing balance of {$43000.00} it never goes down only up. 
My husband who is XXXX since XX/XX/XXXX was granted a XXXX back in XX/XX/XXXX from XXXX only to have that rescinded in XX/XX/XXXX He is however still XXXX, I work partime as a XXXX and bring home {$XXXX} a week. 
Yes I have called my Maine Senator XXXX to no avail and Senator XXXX to no avail. 
Why when regular people like us do that which we are guided to do, then the rules change to the benefit of these loan companies that do n't want a family to succeed .Just go further into debit which can never be paid back and they know it. Does anyone really care? I beg you to please help us. All we want is a level playing field and debit relief. 
Ironically this letter today from PHEAA clearly states a repayment option of IBR which we were already on. I do pay the {$30.00} every month. 
I know one should not get emotional about the above, but these companies are playing with everyday peoples lives. I have loads of documentation to the above and wish I could go in front of congress to show what is going on with this outrageous dealings of these lenders. Please I do not know how to attach documents, but have many to submit for someone to look at. 
Thank you for your time and I hope you or someone can help. I am sure I am not alone. 
Kind Regards, XXXX XXXX, Maine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
My wife pays our bills via computer and yet credit card company 's refuse to mail paper statements so we can pay promptly. She tried the online systems and they do not work for her, hence paper statement is needed to prepare checks for mailing to assure payments are made. American Express refuses to provide United States representatives to discuss our financial matters and we do not have to use foreign personnel placing our right to financial privacy at risk as an Alaska resident. My wife spoke with XXXX, American Express Executive Customer Care, ( attached ) who reassurred statments were to be sent to our home address in XXXX AK. She received a notice on XX/XX/2017 noting payment was due on XX/XX/XXXX, and yet no statement since her conversation on XX/XX/2017 and still no statement. She can not log onto American express due to faulty programing that will not allow her to retain password and use her adaptive technology. I/we are tired of being charged late fees, having past due notices placed in XXXX, XXXX and XXXX because they refuse to send us statements. Can you assist with this matter. 
we do not dispute owing our accounts we dispute being charged late fees and maximum interest and having negative marks on our credit files because they refuse to mail statements. This will have to be discussed with my wife via email XXXX as I am away at work during normal business hours M-F. No more phone conversations only email will suffice or written documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
Eos cca has my mailing address on file, but decided to send a debt owed letter in my name to a XXXX address belonging to my estranged brother in law. He thought i was having bills sent to his home on purpose. He opened the letter being that it was sent to his home and discussed my business of debt collection for a phone i paid the full liquidation balance that was owed to XXXX. Eos cca must have gone through my XXXX contact list in order to know who my brother in law is. I am disgusted the tactics that were used being that eos cca has my home address. It has made matters worse for my estranged relationship with certain family members. My business in no one elses business. It has caused me a great deal of stress and i plan on suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: CA

Complaint narrative:
Capital Management Service LP RE # XXXX ( XXXX ) On XX/XX/2016 I send a debt validation letter CMR # XXXX alleged balance, proof of calculation and documents showing I agreed to pay this debts. I did n't get a response. On XX/XX/2016 I send a follow up letter regarding my disputed CMR # XXXX. I still did not get a response. I do not believe this debts belong to me and I have requested them to remove this my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: LA

Complaint narrative:
I had a collection account as a result of an account that I had with XXXX. I made a settlement payment to satisfy this debt and in agreeing to settle the debt I was told by the agent that upon receipt of my payment the debt would be totally removed from my credit reports. Even after paying this debt with Hillcrest Davidson and Associates in XXXX Texas the debt was again sold to another collect agency, XXXX. I contacted XXXX XXXX and spoke with an agent named XXXX, who informed me that I could pay half of the {$1600.00} bill and the bebt would be removed from my credit reports. I informed XXXX this debt was paid off with Hillcrest and Davidson, to which XXXX responded that Hillcrest was a fraud and unless I paid them the debt would remain on my credit reports. I then again contacted Hillcrest, who stated XXXX XXXX is a fraud and they provided me with a letter to verify the said debt was indeed satisfied. When I inquired about this unethical mishap/behavior, I was told by XXXX the account was sold to them about six months ago from XXXX, which is unfair and unethical, as the debt had been settled with the first agency, almost a year ago. After the debt was n't removed from my credit I contacted Hillcrest and Davidson as to why this debt had not been removed from my credit report. I informed them this is what I was told by the agent who set-up payment of this debt. After giving the agents name I was told he was fired because of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: NC

Complaint narrative:
I have XXXX and was notified by them that a collection had been reported to the credit bureaus that I had no notification or knowledge of. My credit score was over XXXX and I dropped XXXX points because of this. I XXXX the company ; Debt Recovery Solutions and found a phone number for them. When I called they state it was a medical bill from XX/XX/2011 from XXXX XXXX. I did live there at this time. I was located in a house for five years that we had purchased outright, never have I received anything. We then relocated to XXXX, XXXX and have still never heard anything pertaining to this account. Now it has trashed my credit and I was NEVER notified before hand.

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 2016-01-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
Home foreclosed w/o proper notice

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
NationStar purchased my loan XXXX 2014 from XXXX. My automatic payment was due to XXXX on XXXX XXXX and my loan did n't transfer to NationStar intil XXXX XXXX, so I thought I had until XXXX XXXX to make a payment. I received a vague notice of the transfer with information about how to log onto NationStar 's website, but it did n't work. So I thought I had time and I 'd try back. On XXXX XXXX, by certified mail, I received a pre-foreclosure notice from NationStar. I called and got it straightened out and about 10 days later I finally received the introductory letter and payment information that I should have received LONG before any pre-foreclosure notice. I could fill a book with other NationStar mishaps. The most recent ( and last because I 'm refinancing ) is a notice telling me that because my Homeowners insurance was lapsing, they would purchase insurance for me at MY expense. I did change insurance companies, but both my new insurance company and I notified NationStar about the change. I did n't receive a call from them until they received a payoff request for the loan and THEN they wanted to offer me other products to stay. You could offer me 0 % and I would say NO THANKS! Ca n't wait to be done with NationStar!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC
State: VA

Complaint narrative:
I have a federal debt that was taken out through XXXX at the time, which is now XXXX. The federal disbursement was through XXXX from what XXXX has told me. I was unable to keep up with this loan and it ended up in collections with GC Services, I was told by XXXX that I paid off my federal loan and it is no longer owed to them. However when I call GC Services they still say I owe {$13000.00} ( Estimated ), when on my XXXX account it says I have paid more than {$14000.00} ( estimated ). I just want my wage garnishment to stop and to know where the {$14000.00} has gone to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I paid off a credit cell phone bill for XXXX in XX/XX/2012. Since XX/XX/2012 this bill has been passed around and opened in my credit report by different collection agencies. I have had to dispute 3 times with XXXX and the debt was removed and now it is opened up again on my XXXX report by a new collection agency. On top of all of this I am being harassed and called.

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 2017-02-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I run a small XXXX. The majority of my customers pay me via pay pal cards. The majority of my transactions are small XXXX-XXXX-XXXX dollars. The last payment I received was for XXXX for a commercial job that I completed. Last week PayPal froze my account and will not let me transfer or withdraw my funds. I was not given a warning. There is less than 1100.00 dollars and I need the money to pay for material, gas, bills etc. I called PayPal and they told me I would have to wait 180 days before I can receive my funds because it looks like money laundering to them. I am extremely frustrated, had I known that this was even a possibility I would not have done business with them. I was given NO warnings that this was possible.

Company response to consumer: Closed with non-monetary relief