vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
House is scheduled for foreclosure sale next month XXXX/XXXX/2016, attempts have been made to resolve the problems with the current Servicer " agent '' acting as an XXXX entity called " XXXX XXXX XXXX - XXXX '' to avoid foreclosure but they simply refused to cooperate and follow Federal and State laws when a borrower is attempting to obtain alternative options to foreclosure. 
Since the Servicing Transfer from the prior Servicer, " FCI Lender Services , Inc. ( the current Servicer for XXXX XXXX XXXX XXXX, XXXX XXXX have never attempted to resolve the debt, make any attempts to evaluate for potential resolution, restructure or otherwise work with the homeowner and/or provide foreclosure alternative options. We have not been given the opportunity to be reviewed for the XXXX program or other loss mitigation alternatives and without any " Reasonable Efforts '' from the Servicer or it 's assigned agent or the Investor 's in an attempt to provide us with viable options. Under XXXX XXXX XXXX ( XXXX of XXXX Regulations ) XXXX ( b ) ( XXXX ), the servicer MUST properly evaluate loss mitigation applications by providing accurate information regarding loss mitigation options available to the borrower and ensuring that a timely review is made of said request/application. The procedures must also comply with XXXX XXXX XXXX. 
The referral to foreclosure action has been made illegally based on violation of the XXXX Program, Federal and State laws.

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 2016-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Talbot, Adams, & Moore, Inc.
State: OK

Complaint narrative:
I settled the balance with this company ( which I might add took hours ) They requested that I put the money owed to them on visa pre-paid cards which I did. The manager emailed me a letter showing that the balance was paid and I didnt owe anything. Now, I look at my credit report and it shows that I owe them less than the original balance which I expected to see a number there since we settled but thought it would say " Closed '' but it doesnt it is still open. So, I called. They said I would have to talk to XXXX since he is the one that took my payment. XXXX came on the line. I explained the situation and he mumbled. He didnt have an explanation. He kept dancing around my question and interupting me. He contridicted everything I said. He was huffing and puffing. Sighing constantly. This frustrated me a great deal especially since there was already a language barrier on his end. I could hear him whispering and then people laughing in the background and then I became upset. I told him that I didnt understand and I didnt want to call him back if I had more questions because my first question still hasnt been answered. He said " OH MY GOODNESS '' and he hung up on me!!!!! Im not sure what to do at this point. Im positive I can get my question answered from someone else there. But when I call they say I have to talk to him. I refuse to talk to someone who treats people this way. He is supposed to be a professional!!!! Hanging up on me?! This is ridiculous!! I am also filing a complaint with the XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical & Professional Collection Services, Inc. NC.
State: KY

Complaint narrative:
I have repeatedly ask for this medical debt collection company to report my accounts as paid on my credit report. But, to no avail. I had several medical debts that were listed as collections on my credit history. I paid off these debts several months ago but they are still listed as open collections on my credit report. It seems unfair how a debt like a medical debt is so hard to get removed once they appear on a credit report. Medical Professional Collection Services, MPCS in XXXX XXXX, XXXX, IN XXXX TEL : ( XXXX ) XXXX ( XXXX ) XXXX FAX : ( XXXX ) XXXX The debts were for XXXX. 
The collections damage my hope of increasing my credit score. 

Thanks, XXXX XXXX XXXX

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: Disclosure verification of debt — Not given enough info to verify debt
Company: North Shore Agency, LLC
State: GA

Complaint narrative:
This company is not licensed to collect a debt in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC
State: NV

Complaint narrative:
I am receiving a bill from XXXX for {$20.00} for a subscription I allegedly pledged. This was after allegedly five previous attempts to bill me. I never subscribed to XXXX nor have I ever received a single issue of the magazine. 

The letter, allegedly from XXXX XXXX in the state of Florida, indicated that failure to pay the {$20.00} may result in referring the " debt '' to a collection agency. Two postal days later, I received a collection agency letter from North Shore Agency, operating allegedly in New York state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capio Partners, LLC
State: CO

Complaint narrative:
I was injured on the job. Worker 's Comp paid most of the bills. This bill was submitted to a collection agency. I have told them numerous times it was a Worker 's Comp claim & not my responsibility. They continue to contact me for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I have made a lot of attempts to settle with this credit card from XXXX XXXX but they did not want to help me and now it is at the Sheriffs department to take my wages that I do not have. I just recently opened a small business and have not made any money and they just want to take what I do n't have to give, I offered to settle for {$1500.00}, and they denied to settle for that. This is my last credit card that I owe, due to me losing my job in the past and went to a debt consolidation company that was suppose to help me and did n't so now all I want is this to be taken care of. They are with XXXX right now and they do not call me back, they are avoiding my calls, just goes the rep 's voicemail but they never call me back, I do n't understand why I can not get this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I called Chase Auto Finance on XXXX XXXX, 2016 to get the payoff amount and to begin the process of purchasing my XXXX. The lease ended on XXXX XXXX, 2016. I was told that I needed to call back in 48 hours to get the final payment amount. I called back and was told the Lease End Vehicle Remarketing Department had not sent the payoff amount to the Lease Department. On XXXX XXXX, I called again and the Lease Department requested the payoff amount to be sent to them. The payoff amount I was quoted included a fee because I had requested the payoff after the end of the lease. This was not true as I had initially requested the payoff amount on XXXX XXXX. After working with a supervisor, they reduced the payoff amount so that I did not have to pay the late fee. On XXXX XXXX, the automatic monthly lease payment was taken out of my bank account. This was after I had requested the end of lease purchasing agreement and submitted the payoff amount. I called Chase Auto Finance and was given two different reasons as to why the monthly payment was taken out. First I was told that I needed to access my online lease account and cancel the monthly lease payments. I am concerned that Chase Auto Finance continued to take payments out of my bank account after the end of the lease. During a phone conversation with a supervisor on XXXX XXXX, I was told it is the responsibility of the consumer to cancel those payments on their end. I was never told that I needed to cancel the payments and can not find anything in the lease agreement directing me to do this. Next I was told that the Lease Department had not yet released the title to my car because the check I submitted to purchase the car was short. The check I sent Chase Auto Fiance was the amount that I was quoted by their Leasing Department and is documented in a letter e-mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BullCity Collections is reporting to the credit bureaus that I owe XXXX {$570.00}. I have explained to BullCity that I have no balance owed to that company. I cancelled my membership in XXXX of 2013, and despite that, the company continued to bill me through XXXX of 2013. Even though I had cancelled my membership in XXXX, and turned in my access key that same month, they continued to bill be for things. This {$570.00} charge they are trying to collect are for charges they charged me for AFTER I can cancelled my membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: VA

Complaint narrative:
I am receiving robocalls from Maury Cobb Debt Collection via a XXXX ( XXXX VA ) number directing me to their toll free number. 
I am receiving credit reports as a result of the OPM breach and have had other credit reporting due to agency and military breaches. 
I consider these phishing expeditions and have seen reports on harassment sites reporting this group as engaging in these tactics. 
Is there anything that can be done to stop this predatory practice?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Stephen Einstein & Associates, P.C.
State: NJ

Complaint narrative:
When we divorced in XXXX, my ex-husband agreed to be responsible for his business debt. In XXXX, Stephen Einstein & Associates tried to pressure me to pay it, I replied right away and then they filed a suit against me in court without proper notification. They wrote me late XXXX XXXX, I called right away and then wrote in the first half of XXXX XXXX and the next thing I knew was that they had filed in court, no notice. It was very upsetting. 

I just read how Atty General XXXX successfully sued companies in XXXX back in XXXX for not providing due process and directly filing suit. Not only is my ex-husband over $ 72K in child support arrearage for our XXXX children, I have been making monthly payments to Stephen Einstein so they wo n't hurt my career. This Civil suit judgment is adversely impacting my career as a XXXX - I 'm the only one providing for my kids. I spent over {$2800.00} for a lawyer trying to avoid this hurting my career. I do n't want my ex-husband 's debt on my XXXX XXXX file - I need this cleared up. XXXX also got the judgments vacated, the payments made returned for XXXX since they were n't properly served. Can you help do the same for a working XXXX resident like me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We applied for a home refinance loan with JP Morgan Chase Bank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX to refinance our loans with XXXX XXXX and XXXX XXXX XXXX, and signed the final loan papers on XX/XX/XXXX. The new loan with Chase included a pay off our first mortgage with XXXX XXXX and our XXXX mortgage with XXXX XXXX XXXX. Chase paid off our XXXX mortgage with XXXX XXXX on XX/XX/XXXX. However, our XXXX mortgage with XXXX XXXX XXXX has not been paid off as of XX/XX/XXXX. The final HUD-1 settlement statement for the refinance that we signed stated on line XXXX that Chase would payoff our mortgage of {$60000.00} with XXXX XXXX XXXX. A few weeks after signing the final HUD-1 settlement statement, we received another HUD-1 settlement statement in the mail that was changed on line XXXX. The payee was changed to " XXXX '' instead of XXXX XXXX XXXX but the amount of {$60000.00} was not changed. We do n't have a mortgage with " XXXX, '' and have never even heard of " XXXX. '' We have left messages with the Chase loan origination department and have contacted the loan processing managers, but our mortgage with XXXX XXXX XXXX has not been paid off and we now have XXXX mortgages with Chase and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase is reporting my Mortgage as 90 Days Late in XXXX 2015 to both XXXX and XXXX. My mortgage was sold to XXXX XXXX on XXXX XXXX, 2015 - see attached Chase goodbye letter. I called Chase and spoke with six different people before getting someone in Escalations. I made my XXXX 2015 payment to XXXX and provided this proof to Chase and Chase continues to report data on my mortgage after the transfer date. The XXXX data was initially removed from the reports then was put back on the reports after I wrote them and stated if this doesnt get resolved I am filing a complaing with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
On XXXX/XXXX/XXXX I was alerted by XXXX that there was a new entry added to my credit report. The collections agency that had reported was Paragon Revenue Group. They were stating that I owed {$180.00} in the year of XXXX. They stated that i was seen in the month of XXXX of XXXX at XXXX XXXX XXXX XXXX XXXX. I explained that I have no knowledge of ever being seen on that date. I also explained that I called the hospital and asked them to run my social, dob and name to see if they had any past due accounts or medical forms or records by any name. They informed me that they had nothing in the year of XXXX. The only thing they had was when i was brought in XXXX by my mother and the amounts that were due at that time was XXXX for {$55.00} and XXXX for XXXX even. I also went to their online site and put in the account number that paragon gave me and there was no record of it. I called paragon and informed them of all this They then sent me to someone that " handles those type of accounts '' which was a voicemail. I then called back and a man answered the phone and tried to tell me he was someone else when he clearly was not. He then transferred me to another voicemail. At this point I was very frustrated and called back and demanded to speak to a person. A lady got on the phone and told me that this was a debt from XXXX of XXXX. I repeated that I had never been to the hospital around that time and informed her of the information that was given to me by XXXX XXXX. I also let her know that taking old debt that is past the statute of limitations and trying to collect on it was illegal. This has caused major problems with my credit score as they have been reporting to all major credit reporting agencies. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was forced to file a complaint ( XXXX ) a couple of months ago because Chase bank failed to give me the British Airways points I was entitled to on my credit card. After you intervened, they fixed it. Now the same thing has happened on my XXXX XXXX statement. How many times do I have to go through this? I emailed Chase this morning and told them I would be canceling the card as soon as the annual fee again comes due if this were to occur yet again, but meanwhile, can you nudge them to give me the points I have earned? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX services called threaten to foreclose my property. I told XXXX that I had already giving XXXX payment of {$520.00} each XXXX XXXX. which would cover XXXX and XXXX anf another payment would follow before XXXX XXXX. me owing only XXXX 's payment the representative threaten to foreclose my property and called me a lier. I went through a nervous breakdown down and feeling XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: National Education Servicing, LLC
State: DE

Complaint narrative:
My student loan company is increasing the payment amount from XXXX to XXXX under my IBR plan. Despite that the fact that my income actually decreased from XXXX in XXXX until XXXX in XXXX. My wife is XXXX and I am the only breadwinner. I have over $ XXXX in student loans. This is not right. I have had to make 4 attempts to apply for IBR. I have repeatedly tried to resolve this issue with them but they continually insist they are bound my law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Last Friday I scheduled a transfer from my XXXX XXXX, yesterday ( XXXX XXXX ) the money was transferred. I phoneed Chase yesterday and asked when the funds would be available and told not until today, the XXXX. However, now they are telling me I can not access my money until the XXXX. They have my money, but wo n't let me have any. While I personally would like to see every senior executive of Chase lined up and shot, I will settle if you can prevent any further misuse of a consumers deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase mortgage co just canceled my approved mortgage modification for my FHA loan after I made two of the " trial '' payments on time and sent the signed acceptance forms back, overnight with signature delivery as my mortgage specialist told me to do. The envelope was postmarked by XXXX XXXX, 2016 and I provided Chase with the tracking number as I was told. 

I was informed that more documents were sent to me that need to be signed and returned ( after I just got an envelope with the modification approval and terms-including a letter describing that to accept this the terms were to make the tree trial payments on time ) and there were payment coupons included. To avoid any further delay as I asked if these forms could be made available online as I was traveling at the time the acceptance forms were sent and was told no, so I had to get another family member to stay with our XXXX Uncle and went back home earlier than planned to get documents that Chase sent to my home. Now-I see that the Chase website has the whole process available online including all the forms. 
So now, I find out after all this that as of XXXX XXXX, 2016 that the process has been " closed ''! I sent another secure email to try to resolve this and have n't heard back. 

Chase has given me nothing but the run around about this for months and I 've jumped through all their " hoops '' and had one more pmt to make XX/XX/XXXX to make the modification final. And, now they pull this. I have read that there are over XXXX complaints on the Consumer Affairs website about Chase doing this type of thing to its customers and now unfortunately, I will also be one ... 
Please help me, I am now in danger of losing my home! I got behind due to health issues in the family. My husband became XXXX and can not work and then I 've been traveling out of town to help family members care for a XXXX relative and Chase repays my loyalty as a longtime customer ( formerly in good standing as far as payments until about 6 months ago )!

Company response to consumer: Closed with explanation