vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 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: The Affiliated Group, Inc
State: NY

Complaint narrative:
I used to have voice over internet with the carrier called XXXX now known as XXXX XXXX and about a year and a half ago I discontinued telephone service with them. However there was an incident in which I moved and in that move I lost a little box that was necessary to voice over telephone calling. The box was about the same size as a deck of cards. I contacted XXXX and explained that the little box had somehow gotten lost in the moves.They said that I owed them {$100.00} dollars for the box. I explained to XXXX that it was an honest mistake and due to me having to move twice in two months, that it was an mistake in which I had ultimately no control over the situation being that the movers were moving me and I explained that I could not afford to pay for the box and that since I was a loyal customer for four years I felt that they should have honored my reasons. I was never again contacted by XXXX. About a year later I began receiving harassing telephone calls from a collection agency stating that they represented XXXX and that they were trying to collect {$120.00}. I asked them what for and they said I owed them money for the lost box. I explained to the collection agency what the situation was and why I did not feel that I should be held responsible for a little lost box and that mistakes happen. I told them that I was filing a complaint. I recently reviewed my credit report and found that I have a collection item reported by the collection agency who supposedly was representing XXXX. I feel that this wrong being that XXXX never contacted me again nor tried to call and discuss the situation and for them to do this is really bad business after I had a legitimate and very logical reason for the issue. I would never deliberately NOT send a little box back to a company for no good reason. I think what XXXX did was wrong and I do not feel that I owe them anything. This is how XXXX treats it former loyal customer 's? I want the derogatory information that XXXX supplied to be removed from my credit report and I want the harassing phone calls to stop. I am requesting your help with this matter and please advise. Thank You. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting the debt to XXXX XXXX # XXXX .... on my credit file. I have disputed this debt multiple times and Experian refuses to delete this incorrect reporting. the account is paid and closed. the date of XXXX delinquency XXXX LATE ) was more than 7 years ago. This account should now be deleted from my credit file. Experian REFUSES to let me dispute this account and I feel this is improper practices and against my rights!

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 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

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 2016-05-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Dear Bureau of Consumer Financial Protection, We made request to Experian for my Credit Report dated XXXX/XXXX/XXXX ... 
On XXXX/XXXX/XXXX, I received a request for proof of address and Government issue ID. 
I forwarded a copy of my Drivers License, Social Security Card, Utility Bill, Birth Certificate, more than what was required. 
XXXX XXXX, XXXX, I received a second request of the very same information Report Number XXXX ... 
This is highly irregular ... 
This report is very important to, for I 'm applying for a mortgage. 
Attached you will find the mailings with documents enclosed ... 
Thank you, XXXX XXXX

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 2016-02-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We filed Bankruptcy in XXXX of 2010. XXXX XXXX XXXX and XXXX both are erroneously reporting mortgage lates after that date. These were recently reported on all XXXX bureaus and have dropped our credit scores. We have been working to recover from a very difficult time 6 years ago and seems like they just want to keep us down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am currently disputing XXXX XXXX XXXX with CFPB. They are not responding in an appropriate time with CFPB. The negative account was taken off of Equifax months ago and I was trying to get it off of XXXX and XXXX via CFPB. Not only has XXXX XXXX XXXX not removed the account from XXXX and XXXX they actually added it back on to Equifax after it has already been deleted and the executive director of XXXX XXXX was contacted directly concerning my situation by CFPB. They have received all the proof showing that I was a victim of Identity Theft ( Police Report, FCRA Affidavit, etc. ) and still are not cooperating. This is beginning to become tortious interference of business practices due to I function in the real estate industry by using my credit I may need to contact a lawyer in order to place a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ROC Asset Solutions, LLC
State: MS

Complaint narrative:
I have been receiving calls from an unknown debt collector. They have not given me any information as to who they are, a physical address, and call me day and night, after I have repeatedly asked to only contact me through mail. Now they have called my work without my permission. I do n't even know how they got my work number, and jeopardizing my job by doing so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
This letter was sent to Freedom Mortgage after numerous verbal attempts to get them to reverse the late charges they assessed me. I sent them numerous proofs that I had made the XXXX and XX/XX/XXXX mortgage payments on time. 

XX/XX/XXXX Freedom Mortgage Re : Loan XXXXXXXXXX Mortgage Holder XXXXXXXXXXXXXXXXXX In XX/XX/XXXX, you notified me that I had not paid my mortgage payment on time. After this, I provided you with a copy of my XXXX bank statements for XXXX & XX/XX/XXXX. They showed that I had paid my mortgage payment on time in XXXX and XXXX through my online banking. I subsequently sent you a " proof of payment '' from my online banking account. 
When I made my XXXX payment, you applied it to my XXXX payment and then notified me that I was delinquent in my XXXX payment. After it became apparent that you were not going to process my XXXX payment, I voided it and sent you a replacement payment. 
If I had written you a check and mailed it to you, I would have no proof of payment on time. If the check was not delivered by the postal service, I would not know that until you informed me. 
If a payment check was misplaced or lost at your firm, you would consider me to not have made the payment. Obviously, I would not know that had occurred either. 
Neither of us can determine what happened to the online payment for XX/XX/XXXX. However, I have supplied you with proof that I fulfilled my obligation by making a timely payment of my XX/XX/XXXX mortgage payment. 
You charged me a {$110.00} late fee which you took out of my normal " additional principal curtailment '' payment. I would like that fee reversed and have the {$110.00} applied to my principal. 
Your refusal to do that would reflect very poorly on your business ethics. 

XXXX

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 2016-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I deposit my pay check automatically. I monitor my account daily. Here 's the issue : when I make a transaction. It appears on my statement as pending. and my balance indicates the deduction amount. Say I have {$1000.00}, pay {$100.00} my balance shows as {$900.00} and so on. 
so I only spend what I have available. I do n't spend more than what I have. What Chase is saying is that the merchant when a trans action is pending the amount is put in reserve. 
if the merchant does not process the transaction within 5 days. The reserve is place back into my available balance. However my available balance does not indicate the reserve added back. so I had {$1000.00}, spent {$100.00}, have {$900.00} available, spend the available {$900.00}. on other bills, and then the original transaction of {$100.00} is posted, They are saying that I am overdrawn and are charge me a fee of {$35.00} so I 'm asking what happened the {$100.00} deducted from my original {$1000.00} balance. So my balance go down with every transaction but never goes back up when the pending transaction is reinstated back into my account. They say they do n't indicate that on my statement. How can I keep track of my money when not all the transactions are not indicated in my account statement. They are pulling some XXXX here and need a forensic examination of how Chase list the transaction on a costumer statement. Please advise on my next step. I 've had enough and I 'm getting the run around from Chase with no clear answers as what happened to the deducted amount from my balance. 
also transactions disappear from my statement, Case in point. I spent {$100.00} on XX/XX/XXXX. My statement indicates the transaction the same day and my available balance is reduced by {$100.00}. 
the merchant post the transaction on the 20 5 day from the original transaction. By this time I I have depleted the remaining balance. so now I 'm overdrawn. What happened to the {$100.00} and the original transaction on XX/XX/XXXX is nowhere to be found on my statement I have a receipt from the merchant dated XX/XX/XXXX. Some is going on here and they been pulling this for quite sometime. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Armed Forces Loans of Nevada Inc.
State: FL

Complaint narrative:
Armed Forces Loans has contacted my XXXX ( XXXX XXXX XXXX ) & gave information on an alleged debt. They also contacted me at work on 3 different occasion via phone stating the company name & other information on the alleged debt after I informed them the 1st time I was n't aware of a debt. The person who attempted to collect was a XXXX XXXX.

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 2015-04-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I started calling Fifth Third Bank at XXXX on XXXX/XXXX/15 I attempted XXXX times to logon to my account and it would not. Hence I attempted to reset my password on the third attempt and it failed. I called the toll free customer service line XXXX XXXX times and XXXX XXXX times but to no avail was I able to reach them. Their customer service center was not to close until XXXX or XXXX. I ended at XXXX because I needed to pay my credit card at least something at {$100.00} until Fifth Third Bank attempted to resolve the financial mismanagement problem. Again XXXX XXXX and his XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are involved in this scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been a member of Diner Club for XXXX years. During that time I accumulated XXXX points. I cancelled the card on XXXX XXXX 2015. I tried to reclaim my points and was told by Diners that I had lost the points after XXXX days. My claim to the points was made XXXX days after closing. My claim is that this is fraudulent practice by Diners Club. Those points were earned based on card usage and have a redemption value of {$2600.00}, Diners have no right to cancel those points which were earned by me. I have written to Diners Executive Complaints and have had no response. Diners did not inform me in writing that I would loose my own points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
There is a class action lawsuit involving 5th/3rd Bank. It was found that 5th/3rd bank was charging certain customers higher interest rates on auto loans. I qualify to be a part of the class and I am eligible to benefit from the settlement. As advised by a CFPB representative I contacted 5th/3rd bank to get more information however after several calls and tremendous hold time each representative I spoke with did not have and/or refused to give me any information on how to participate in the class.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I paid an escrow amount of XXXX in XXXX 2015. Since then I have been fighting with Freedom Mortgage every month regarding my payments because they did n't apply my escrow payment, then they started withdrawing higher amounts to cover the additional escrow fundings. Then in called in XXXX stating all these issues, they said oops their fault they will fix everything, they put the blame on XXXX, I said you are the same company with XXXX different names so the blame stays with you. I need my issues fixed, this is my XXXX mortgage, I never had any issues with my XXXX home loan. I received a statement dated XXXX/XXXX/2015 and it says I missed a payment of XXXX ( my payment is XXXX ) I have unapplied funds of XXXX and now they want me to pay XXXX. I called and spoke with XXXX XXXX, she said it was a mistake it 's all fixed now. I explained Freedom Mortgage has been saying this since XXXX and it 's not not fixed, I am filing a compliant. This company needs to be looked into at the highest level, and same with XXXX, because between the both of these companies something is not right, and the consumers are paying for it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
My wife and I bought a home at XXXX XXXX XXXX, XXXX XXXX , Oregon in 2002. We bought it for {$81000.00}, and a payment of {$720.00} at 7.5 interest. My wife left me about 2 years ago and refuse to pay anything on this house. She did sign over a quit-claim deed. I went to my mortgage company, Freedom Mortgage, and ask if I could apply for a hardship program due to loss of income from my wife. I am XXXX years old, XXXX on Social Security income only, a XXXX veteran and a XXXX I suffered in a car accident when I turned XXXX. The mortgage company put me on trial basis and lowered my payments per month at {$590.00} per month. I have always paid what was required every month without missing one payment, but they are saying in one of their letters they have not received any payment - that is not true, they received the lesser payment required of me to pay. During this time, the mortgage co., kept adding on extra charges per month the difference between the trial payment to the original payment. When I asked them about this extra charges, they told me not to worry about it. When the modification came for me to sign, it requires my wife 's signature to go through because her name is on the mortgage contract and she refused to sign. When I asked could my name be listed only on these papers because she gave me a quit-claim deed. They told me they could and re-issued me new papers with just my name, I went to the housing authority and had this papers signed, notarized and sent back. In one of their letters they denied my modification as they say I did not send in the paperwork signed and assisted by HUD. That is not true! I sent them the paperwork on schedule. 5 months later they come to me and tell me they still require her signature and if she does not sign, I am going to go into foreclosure, because adding the difference between my trial payment to the original payment, I am delinquent with my mortgage and owe them {$5300.00} and if I do n't pay this amount up to par by XXXX XXXX, they are going to start foreclosure procedures on me. My home right now I owe is {$63000.00} and I feel what this mortgage co., has done to me is unfair practices. I need help!

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 2016-04-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX I deposited my tax refund into my bank account. They did not tell me I would not have access to all my funds. They only have me {$40.00} of it and I did n't know. It was a XXXX dollar refund approximately. My car was in the shop. I used my card to pay for the repairs. It over drafted my acct {$500.00}. Even though my money was in pending status. Now they are after me for XXXX. I have never received a notice. They are threatening legal action and serving of papers. I tried to work out payment arrangments I can afford but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Franklin Credit Management Corporation
State: NC

Complaint narrative:
COMPLAINT # XXXXAfter request for help from XXXX CFPB sent XXXX notice of complaint as per CFPB letter dated XX/XX/XXXX. I have been working with XXXX to settle with Franklin Credit Management XXXX XXXX Lien Holder ) so that a Deed-In-Lieu can be accepted on my property at XXXX XXXX XXXX XXXX, NC XXXX. 

XX/XX/XXXX - XXXX informs me that on XX/XX/XXXX they sent a fax to Franklin Credit an offer to settle. Today I called XXXX credit to verify that they had received the offer and they claim that no offer has been received. Fax number sent was XXXX. I requested that XXXX send another fax with the offer to Fax # XXXX XXXX - XXXX ( Franklin Credit XXXX. 
Foreclosure hearing is on the XX/XX/XXXX. This will be the 4th Court Hearing! 
Both, XXXX and Franklin Credit call me almost daily, even today. I have given them all the information they requested to do a Deed-In-Lieu. Unfortunately, Franklin Credit does not seem to cooperate with XXXX and resolve the settlement so that there will be a clear title. 

This new complaint is directed in reference to Franklin Credit Management. The record should show XXXX recorded conversations ) well over 100 conversations concerning my account and no resolution in site. 

I ask that CFPB send a letter to Franklin Credit to work out a settlement so that a Deed-In-Lieu can proceed. 

Information on the account with Franklin Credit Management is as follows : Account XXXXFranklin Credit Management CorporationXXXX XXXX NJ XXXX XXXX have been trying to settle with Franklin since XX/XX/XXXX. The customer service is absolutely unacceptable. Last 3 way conversation with Franklin Credit, XXXX, and I this month, should have cleared any obstacles yet it has not! Someone is not telling the truth and I am to the point where I have no choice but to walk away. My personal finances are in a critical status and I do not know what to do. 

Your cooperation is urgently requested. 

Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation