vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I disputed this collection since its not a debt that I took but I didn't hear back from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tormey Bewley Corporation
State: NM

Complaint narrative:
wrong amount, averytime to complain about it increse the amount for not reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Since the beginning of the loan we have paid at least one month in advance to reduce the high interest charged by Santander. Monthly statements would indicate that the next payment was due in 60 days not 30. Since receiving the XXXX statement, monthly statements indicate payment is due in 30 days. We have spent numerous hours trying to straighten this out. Today, a manager told us that the company has made changes to " prevent customers from paying the loan ahead ''. The manager says that there is nothing we can do, and prepayment are not being applied. We have prepaid for six years!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX, I was given bad advice and took an interest only loan on a 2nd residence that I purchased in Arizona.

The Loan was from Nationstar, which is now called Mr. Cooper. 
The economy crashed in approximately XXXX and the property value plummeted. 
I spend countless hours on the phone with Nationstar prior to the loan coming to term. I made them aware that I was in trouble and needed help so that this property did not go into foreclosure. I tried desperately to get them to work me. 
The loan was eventually refinanced into a VARIABLE rate loan.

values continued to decline.

Interest rates and my mortgage pmt have conuinted to rise.

I was told on two separate occasions that they'd refinance it, only to be denied. 
I'm loosing $ XXXX monthly on this property .I 'm not going to be able to maintain this loss. 
I was told I had no other options but to request modification. 
XX/XX/XXXX I submitted the Uniform Borrower Assistance Form requesting a loan modification. 
I submitted HUNDREDS of pages of additional documentation. Every time I gave them what they requested they asked for something else. COMPLETE RUN-AROUND My contact at Nationstar : XXXX XXXX XX/XX/XXXX FIVE MONTHS LATER, I received a denial letter for the modification. 
Denial reason : Ineligible Mortgage I immediately contacted XXXX XXXX because I DID NOT Meet ANY of the definitions for an Ineligible Mortgage. 
She told me she could not explain why I was denied other than the reasons stated in the letter and that there was no one else I could speak too. 
I was told there was no other options. 
I have spent YEARS asking for Nationstar/Mr. Cooper to help me keep this property from going into foreclosure.

Nationstar/Mr. Cooper has refused to help me, leaving me to destroy my credit, go into short sale or foreclose, and become another statistic of the crash of the housing market.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: FL

Complaint narrative:
Experian is in direct violation of the Fair Credit Reporting Act. I have reported them on numerous occasions and have contacted a lawyer regarding a Class Action Suit. Their direct violation of continuously reporting erroneous information needs to be stopped. They have completed an investigation into the following account only after 3 days! This company has been contacted on various occasions and can not provide any direct link of myself to this account with any identifiable information : XXXX --  account # 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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I opened a dispute on XX/XX/XXXX. My dispute is still open and processing. I have received no further information or updates regarding it 2 months later. The 30 day deadline has passed. I demand that all the information be removed immediately per the FCRA. 

XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX  XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XX/XX/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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
on XX/XX/2018 I was looking to purchase a home, upon pulling my credit report, I noticed there were some odd things on my reports, so i order copies of my credit reports. I found out I was a victim of Identity theft. I notified all credit compines, and filed a police report, and a Identity theft report. I also notice that someone ordered cable services in my name, from the same cable company I go through now, an d have been for awhile now. XXXX XXXX. They ordered serivces at a address that I do not live at. Well what happened was I do not know, I am shocked. I called XXXX XXXX I am current on my bill I told them what was going on they had no clue. I reached out to the collection agency, XXXX XXXX XXXX account number # XXXX there address is XXXX XXXX XXXX XXXX XXXX WA XXXX TEL:XXXX  I was very upset she was rude I was upset, I told her what was happening she did not care just yelled at me and said I get it you are a victim of fraud, and told me they would send me some paperwork. I never heard anything back. This collection agency states I owe them XXXX no I do not. People should be more kind. You know it XXXX when someone stills you Identity and, this collection agency had no remores she just want all my information so they can call me 40 times a day like they have been but they will not give me there fax to send the police report a email or I still have not got the paperwork in the mail to send back my proof I been a victim of Identity theft.

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 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: MO

Complaint narrative:
Contacted on XX/XX/XXXX by a XXXX XXXX, stating I owed {$250.00} to XXXX. I let him know that the debt was not valid and a final payment of {$230.00} had been made in XX/XX/XXXX. I also told him I would not be making a payment to him today and would contact the original creditor to so they could remove the account from collections. XXXX XXXX called me back immediately, leaving a voicemail that stated I needed to provide him proof by the end of business day or they would proceed with a lawsuit against me. XXXX XXXX did not provide any fax number or email address to which I could send proof of the paid debt. I attempted to call XXXX XXXX back six times, every time he hung up the phone without answering the call. On the seventh try I got through to his associate, the associate transferred me to XXXX XXXX. At that time I requested he provide me with a fax number or an email address so I could provide him a copy of the cashed check. XXXX XXXX refused to provide me with either, and told me he was sending a sheriff to my house. I gave him my email address and asked him to please email me so I could provide him with a copy of the cashed check that showed the debt was paid in XX/XX/XXXX. So far, XXXX XXXX has not provided me with any means of communicating proof of the paid debt with him and is no longer answering any phone calls. The times I did speak with XXXX XXXX on the phone he raised his voice, was profane, would constantly speak over me and would not allow me to get a word in edgewise to provide proof that the debt was paid. 

Prior to the call on XX/XX/XXXX, XXXX XXXX left a voicemail on the cell phone my husband uses for his military service, stating that I owed a debt and I needed to call him to pay it immediately. 

The final loan payment was made on XX/XX/XXXX via online bill pay through my credit union. The check was sent to the company on XX/XX/XXXX. Attached you will find a copy of the endorsed and cashed check.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
1. I closed the Gap/XXXX XXXX about 3-4 years ago, maybe longer. I didnt get any statement since then till XX/XX/XXXX. And forgot completely about the card until XX/XX/XXXX. 
2. I received a statement on XXXX XXXX. The statement had a balance but didnt indicate what it was for, because it was not a current charge then. I called and asked the representative and found it was for XXXX XXXX. I thought it was my mistake, and paid around {$170.00}. And then closed the account ( Still XX/XX/XXXX ) 3. I received no statements from XXXX XXXX. 
4. I received another statement XX/XX/XXXX ( I closed the card twice! ). It had a " previous balance of {$150.00} '' and " fees Charged '' of {$37.00} and " Interest Charged '' of " {$3.00}. 
5. I called and said I wanted to dispute the charge.

6. The call got dropped.

7. I called back but wasn't able to log into the system. My birth date and card number didn't let me speak to the representative. Their phone system cant find my record, which it was able to on the first call.

8. In XX/XX/XXXX, I get another statement, with additional amounts of " fees '' and " interest charge '' I called XXXXXXXX XXXX again XX/XX/XXXX. Exact same thing happened from step 5-7.

9. I try to log in at the website but didn't know neither id nor password. ( Tried to register but the system wouldnt let me ) Usually if I dont know id or password, they would still let me log, by emailing me the temporary password but this system will not operate in such a way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma
State: TX

Complaint narrative:
Upon checking my credit report in XX/XX/2018, I noticed a collection account names SARMA Collections Inc, stating I owed {$460.00}. Not only did I not receive official notice in the mail, On XX/XX/2018, I sent a certified letter disputing the account until they could verify it. I have delivery /confirmation for the letter dated more than 30 days ago. They have not responded with verification, nor did they let the 3 credit reporting agencies know I was disputing/ this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I filed chapter XXXX bankruptcy with case # XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, PayPal Credit, DBA as XXXX XXXX XXXX, drafted a letter on On XX/XX/XXXX, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, XXXX XXXX XXXX ( XXXX ). 
Verbatim : " Company 's Response : Correspondence was sent to you on XX/XX/XXXX, advising that PayPal Credit closed your account ending in XXXX because a subsequent account in your name was identified. This account, ending in XXXX, was referred to an outside collections agency due to delinquency. The contact information for the outside collections agency was provided if you have questions or would like to make a payment. '' I phoned XXXX & XXXX ( XXXX ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Weinstein & Riley, P.S.
State: FL

Complaint narrative:
On XX/XX/2018, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, Weinstein & Riley ( WPR ).  I phoned Weinstein & Riley ( WPR ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
Date : XX/XX/2016 Balance : {$650.00} Company AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX I don't not know this company, I did not do business with this company nor have I given them the permission to use my information. I would like this debt completely removed from my credit report. Thank You!

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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2016, I open a capital one Credit card of XXXX $ limits and every time I submitted a payment my bank keep returning the payment so capital one decided to closed my card every since they put a bad report on my credit file and saying that I missed payment and even though I'm no longer have relationship with capital one they still pulling my credit report about a couple times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America recently added XXXX XXXX XXXX to their online banking and with out my knowledge or authority a unknown person hacked into my online banking accountant and swiftly transferred all the available funds remaining in my checking account. I became aware of this {$1500.00} transaction on XX/XX/XXXX around XXXX and immediately contacted Bank of America 's Fraud/Claim 's department and they put a hold on the account to review the claim. After waiting beyond the 10 days they promised to do the review of the claim, they stated on XX/XX/XXXX after i contacted them, that the claim was denied. It is unclear the extent of the investigation they did on the claim but it was denied. At the beginning of the claims process Bank of America was informed that my Employers computer system was compromised with Ransom-ware and most likely the cause of how my online banking account was hacked into.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Miller, Stark, Klein and Associates
State: CA

Complaint narrative:
I first contacted this company as a result of returning a missed phone call. When the person in that company answer they asked me for my name which I gave. From there they began demanding I give them my social security number, address and date of birth. 
I asked two times for very basic information on my end Who are you and what is this about? They refuse to tell me instead they kept demanding for my private information and claim they wouldn't tell me who they were unless I gave such information. When I told them that I would not give them any private information the woman on the other end of the phone got really angry. Began to threaten to sue me and that she would report that I was being uncooperative and refusing to help. I still don't know what this is about but I just go another call from the same phone number. So I did a phone number reversal look up online and it turns out its a company called. Miller Stark and Associates located in North Carolina. I live in California so I have no idea why a company in North Carolina would be trying to contact me. This sounds extremely sketchy, abusive and harrasement. I do believe even if its some sort of old debt which I am unaware of *I have really good credit and don't have any outstanding debt* this is illegal in my State.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have a hard inquiry on my credit report dated XX/XX/2017 from TMCC. I don't know who this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRANCER CAPITAL CORP
State: FL

Complaint narrative:
Prancer Capital Corporation has been calling me muilipule times a day every month to try to collect a debt, and leaving detailed messages on my voice mail ( that does NOT have my name attached ) Today for example I was called at XXXX, XXXX XXXX and I declined the call, they then called right back at XXXX XXXX  AND again at XXXX at which point I advised them to stop calling me, and the MANAGER refused stating that they could call me as much and as offen as they liked. 

They have been calling me consistantly twice a day every month starting from the XXXX of the month I have 33 Messages that have been left on my phone since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
GM Financial Acct # XXXX XXXX XXXX XXXX 1. Havent updated credit report since XX/XX/XXXX 2. Balance shown {$1500.00} 3. Paid {$550.00} XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX = XXXX 4. GM Financial shows las payment of {$420.00} 5. Contacted GM Financial 6 times and they reported to me that they have to check each account prior to updating records. 
6. No date given as to when this will happen.

7. Car is a lemon and has been undrivable for 4 years. Dealer refused to honor warranty and replace battery. Two recalls for electrical system problems and now is in XXXX dealership and will cost ~ {$2000.00} to fix. 
8. Bought car with XXXX miles on it and currently has XXXX miles. This car has cost me over $ XXXX mile to own. Worst car I ever bought! 
XXXX XXXX XXXX XXXX XXXX % XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I pulled my credit report and at that time i noticed that this company is reporting debt that I do not believe to be mine or that is too old to be reported. I contacted the company and the credit reporting agency yo have the information validated. I have received no communications from creditor regarding account. They are reporting negative information on my credit report which does not belong.

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 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Bankruptcy is reporting incorrect information.

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