vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I started the process to refinance my current mortgage. The closing lawyer attempted to obtain the payoff statement, but they would not provide that statement for 4 business as they claimed they are behind. The lawyer informed me I could obtain the information sooner. I called and spoke to a representative on XX/XX/XXXX who said she could request I receive the payoff statement in 24 hours if she requested an expedite through a supervisor. I called back on XX/XX/XXXX, my closing date on the refinance, to determine the payoff amount as I had not yet received the payoff statement. I was told that it had not yet been generated, but still could be done today. I asked to speak to a supervisor and was told that one was not available and could call me within 24 hours. They also told me that there was no one within the company that could help me with this inquiry.

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 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have a copy of admission form, This form I did not sign or legally agree to. The signature on the original admissions form was signed without my permission, consent or knowledge. XXXX XXXX had a family member sign on my behalf without my consent or knowledge, in doing so, they took my rights away of being informed as a consumer! At the times of medical procedure I was of sound body and mind and able to make my own decisions and was denied this right. This document should be nulled and debt should not be legally collected on. I would like all debt, interest and all derogatory reports added to my credit bureau removed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: PA

Complaint narrative:
After falling behind in my payments, Regional Acceptance Corporation hacked into my telephone contacts and social media contacts. They contacted multiple contacts including ex husband and current boyfriend 's family and advised them that I was not making my payments and that they needed to contact me and have me call the office.

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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Recieved debt collection letter from Southwest Credit from XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. The letter stated that I owed a debt principal for a XXXX I count which I do not have. I called them and gave them a peice of my mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX party didnt ask could they use XXXX XXXX party did not ask could they use XXXX XXXX XXXX XXXX party did not ask could they use XXXX, XXXX party did not ask could they use XX/XX/XXXX. 
XXXX XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX lease not mines XXXX XXXX XXXX XXXX lease not mines XXXX XXXX - party did not ask could they use XXXX XXXX- party did not ask could they use XXXX XXXX XXXX didnt ask for use of matters XXXX XXXX - party didnt ask could they use NONE OF THE ABOVE Nonconsential use of credit party did not ask me if I wanted them to use my identity to do any matters sai d every body does it, they all break the law, what was the comment about them using it would like same debited from their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.

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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Social Security Admin office is reporting a charge off that should not be on my credit. They previously told me they would remove it and so far nothing has happened. This account should not be on my credit and I would like for it to be removed as I was advised it would be.

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 2019-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: KS

Complaint narrative:
They some how got ahold of my parents phone number saying that they were looking for me concerning a debt amount. They disclosed my personal debt information to my parents which really upset me!!!! Then when I called them they said that I had to set up a payment plan right away of legal action was going to be taken. I reluctantly set up a payment plan but ending up no having the amount when it was going to be due. I called them to tell them that I wasnt able to make the payment. They again threaten me with legal action it it wasnt paid. I stated to stop calling me and that I would be able to pay the balance in full in XX/XX/XXXX. I have told them to stop contacting me and my family both via email and via phone message. They call me 1 time a week and have been doing this for 2 months. Its very frustrating. I have never received and paperwork via USPS stating that they want legal action and this account isnt even reported to any of the 3 credit bureaus. I understand that I owe the debt and I plan to pay it when I get the money. But repeatedly calling me and threading me with legal consequences doesnt make me want to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have been a capital one card holder for 20 years! They closed my account with no know warning to me due to inactivity. I was Unaware this was possible. It has drastically affected my credit score due to longest standing credit line and available credit. This was my emergency card that I kept For all obvious reasons. I tried To call and spoke with two people in which they expressed their empathy. Empathy will not adjust the damage to my immediate credit score and available emergency funds! I have Another card with them and am now inclined to transfer my balance and leave completely as it was 3 days ago they closed it and I called As soon as I was Aware. There has to be a certain window of grace. Very disappointing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
We applied for a loan modification in XX/XX/2018 after nine months we received paperwork to set up autopay, during this process we were told we did NOT have to make the old payment, we could wait until the modification amount was set. Two days ago we were mortified to see the payment had gone up, and the interest rate had increased one full point. My husband refuses to sign to the terms and now we have been made aware the payments not made will be reported to the credit bureau, but the old payment and interest rate will be restored if we refuse to sign the modification How can they realistically think anyone would apply for a modification to have the payments and interest rate go UP. Is there anybody that can help with this, or anywhere we can be directed to go for help. This should be a class action suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LJ Ross Associates
State: CA

Complaint narrative:
To Whom it May Concern, I was having major difficulty paying my bill due to landlord not providing gas heat and not allowing XXXX to access electric meters resulting in large billing adjustments. Weve received bill over {$1000.00}. Despite this and loss of employment, I still tried to pay XXXX. Thankfully, public assistance helped pay for the majority of the past due bill. I was in communications with XXXX, letting them know that I was not working and applying for public assistance. Even though a payment was made to XXXX they still sent my account to collections and did not they did not properly notify me that the account was going to collections. Details below : A payment of {$1000.00} was made on XX/XX/2019 to XXXX. On XX/XX/2019, XXXX sent the account to LJ Ross collections for {$460.00}. I was out of work and in the process of getting public assistance to have this bill paid, which I let XXXX know ; however even after a payment was made they immediately sent the account to collections. 
2 ) I was not notified by either mail or phone call that this was going to collections. I later found an email from XXXX with the title Importance Notice from XXXX. The email did not state they were attempting to collect a debt. There was an attached letter that stated this. I was never contacted by LJ Ross either. I found out about the collections account in XX/XX/2019 after checking my credit report, which I paid immediately. 
As a reference, the landlord at the time was not providing gas heat so we had to use electric heaters during the winter. He also refused to provide XXXX access to the electric meters on a monthly basis, thus we were hit with large electric bills every 6-9 months. XXXX  was well aware of the situation. I had to move from the apartment because I did not want another winter without proper heat. Even still, I made every effort to pay my bills while I was out of work and trying to find another place to live. Now because of this collections account on my credit I have not been able to rent another home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I am the cosigner of a vehicle that was leased through GM financial. The account number is XXXX. The lease was terminated early and I was NEVER NOTIFIED of this said termination. I was not sent any information from the dealership or from GM financial. This is illegal to not notify me of a lease termination. I was receiving monthly bills during the lease to ensure the payments were being made on time. I received notification via email through my credit report stating that the said account was closed and that there was a {$0.00} balance on XXXX XXXX, 2019. On XX/XX/XXXX I received an email stating that on my credit report that the account was re-opened with a balance of {$4800.00}. The account was finalized on XX/XX/2019 but I was still NEVER NOTIFIED of any of this. GM financial should have notified me of the closing of this account as well as a remaining balance as it is their vehicle. The primary on the lease should have never been able to trade in the car or walk away without paying the over mileage or the last two payments on the lease. This was all done without my knowledge. Someone XXXX up and dropped the ball and now they are re-opening a closed account. I have the emails stating the closed account and the {$0.00} balance. THIS IS ILLEGAL TO HAVE NOT NOTIFIED ME!!!!!!! I have called an attorney as to the legality of not notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
This company did not announce they were a debt collector when calling me. they answered " hello this is XXXX '', then told me I owed them something when It wasn't even me, they were calling for the wrong person. they did not clearly state they were debt collectors and any information collected would be use for collection perpouse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TN

Complaint narrative:
Recently received trial period plan agreement from my mortgage company Prime Lending. I've made the trial payments that were due. I received in the mail a property foreclosure sale for my property set for XX/XX/2019.  I've been paying the trial payments that have been required of me. I don't want to lose my home to foreclosure. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Recovery Solutions Group, LLC
State: GA

Complaint narrative:
Company name is RSG. They mistakenly think that I am someone else. I was issued this phone number over 4 years ago and am still getting debt collection calls and now threatening texts that they are going to contact my family members to get their money. I have told them repeatedly that I am not these people nor do I even have any idea who these people are. They persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: UHG, LLC
State: KS

Complaint narrative:
They some how got ahold of my parents phone number saying that they were looking for me concerning a debt amount. They disclosed my personal debt information to my parents which really upset me!!!! Then when I called them they said that I had to set up a payment plan right away of legal action was going to be taken. I reluctantly set up a payment plan but ending up no having the amount when it was going to be due. I called them to tell them that I wasnt able to make the payment. They again threaten me with legal action it it wasnt paid. I stated to stop calling me and that I would be able to pay the balance in full in XX/XX/XXXX. I have told them to stop contacting me and my family both via email and via phone message. They call me 1 time a week and have been doing this for 2 months. Its very frustrating. I have never received and paperwork via USPS stating that they want legal action and this account isnt even reported to any of the 3 credit bureaus. I understand that I owe the debt and I plan to pay it when I get the money. But repeatedly calling me and threading me with legal consequences doesnt make me want to pay it.

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 2019-07-18 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I keep getting {$0.00} statements

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 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Have two loans where Lakeview Loan Servicer is the servicer. They have lost a {$4500.00} check for which I have the cancelled check. Secondly, on another check, they have applied the full {$4500.00} check to one loan as a principal reduction. As such, they show me as up to 60 days delinquent for now 3 months. I have waited for hours to talk to service people and they can see the problem and say they will address. I have sent them copies of all cancelled checks and have heard nothing. I have called again today ( from work ) and have left a number for them to call me, and two hours later, I have not heard from them. They have significantly impacted my credit score to the point where I can not obtain refinancing. 

I am writing letters to their head office but can't find anybody to address it to. I can only say that this is a fraud. I strongly suggest that nobody should accept Lakeview as their loan servicer.

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 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: MO

Complaint narrative:
I received a call from NCC a debt collector for XXXX XXXX XXXX. I did not have any information about the issue and no correspondence. I asked the agent with NCC to send me verification of debt. He told me to email their company. The next day I received another call from another debt collector. I asked for verification of the debt. I was told that they don't have to provide that information and the debt was owed. I have a video of the apartment after we moved. No one has responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
The Simons agency robo calls me at least 10 times a day. It is to the point where it is affecting my daily life. Ive asked them repeatedly to stop with all the calls and they will not stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Bank : City Bank Date : XX/XX/2019 Amount : {$1400.00} Vendor : XXXX XXXX is an online selling platform like XXXX and XXXX but only difference is XXXX encourages fraud XXXX sellers as XXXX is a XXXX company. 

One fraud seller claimed that he is XXXX Security Camera authorized seller/dealer and recommended me to buy XXXX   cameras. After purchasing these, I realized that cameras are of not good quality and also seller is fraud and not authorized XXXX seller or vendor. I contacted seller to return the items and get the money back. seller and XXXX refused. Fraud seller even offered me 2 years warranty but now he longer answers to my calls and text as he is a fraud and his main intention is to cheat American buyers. I paid with citi visa card. Both citi bank and visa card didn't help me in this matter. I request government to step in help save hard earned money of American citizens from fraud XXXX. 

Citi Bank Dispute Number : 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 2019-07-18 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: CORELOGIC INC
State: PA

Complaint narrative:
My husband and I are in the midst of applying for a mortgage w/ XXXX XXXX. We have no outstanding disputes w/ XXXX XXXX and three are showing up despite the accounts being paid in full, having XXXX balances, two being closed, and one being open. XXXX XXXX is telling me there are NO ACTIVE DISPUTES, so there is nothing to remove. When asked for a letter stating that, they told me ( XXXX - agent # XXXX ) that they can not furnish something saying that. It is not an option. 

These three disputes are causing huge problems in the underwriting process. We now run the risk of not getting the mortgage and ultimately being homeless because we have to move out of our apartment. 

CoreLogic Credco is where the info is showing up - and I do not see these active disputes on my main three reporting agencies ( XXXX, XXXX and XXXX ). How can I get them removed/updated? 

I am desperate right now.

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