vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-18 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Creditor refuses to delete incorrect and outdated data to the three credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Creditor refuses to delete seriously incorrect and very outdated data to the three credit reporting agencies.

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 2018-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EZCORP, INC.
State: OK

Complaint narrative:
I received a call from a law firm called XXXX and XXXX phone number XXXX in reference to XXXX on XX/XX/2018 stating that EZ Corp payday loan company is seeking repayment in the amount of {$3900.00} claiming the debt is still incurring interest daily. EZ Corp was sued for this very thing a couple of years ago and given the order to cease all collection attempts as they broke the law. Now I have not dealt with this company in over 8 years so why they have a collection firm contacting me is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX. XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX. XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was on XX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX was the co-signer on the loan, XXXX. XXXX advised me that she spoke to my Sister n ' Law XXXX Hill whom is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX. XXXX advised her of my loan information, she stated that XXXX. XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX. XXXX from XXXX . While speaking to XXXX. XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, my homestead property was judicially sold to satisfy the unpaid balance of a promissory note I had executed in favor of XXXX XXXX XXXX back in XXXX, XXXX. 

The then-current holder of the Note was XXXX XXXX XXXX XXXX XXXX XXXX, the trustee was XXXX XXXX, XXXX, and the servicer was XXXX XXXX XXXX 

As of the sale date, the unpaid balance of the Note was {$680000.00} inclusive of unpaid interest added to the principal under the terms of the Note. 

However, according to the XXXX 's records, a withdrawal of {$60000.00} had been made from my loan account in XXXX, XXXX without my knowledge or consent. This artificially increased the loan balance to {$740000.00}. And when the loan was liquidated in XX/XX/XXXX, the XXXX recorded a prepayment of {$760000.00} and reported a {$25000.00} gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: Westlake Services, LLC
State: CA

Complaint narrative:
Creditor refuses to delete seriously incorrect and very outdated data to the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax, XXXX, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXX that none of these 3 XXXX  companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for XXXX or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX, XXXX, and Experian all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXXthat none of these 3 XXXX companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for experian.com or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.

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 2018-09-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I have been receiving letters and phone calls from.the mortgage company stating than I am in default on due to non hazard insurance. 
I have sent copies of my home owners insurance to them by fax, mai! 
And so bad the insurance company. 
The dates of the letters are XX/XX/XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX. 
I talk to people in customer service but still get unwarranted calls and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 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: Credit Technologies, Inc.
State: CA

Complaint narrative:
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 Credit Technologies. Never heard of this company!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I recently paid off a car loan on a XXXX XXXX XXXX-XXXX ( VIN # XXXX ). The loan was held by XXXX XXXX and I paid it off early. I called to get the pay off on XX/XX/XXXX. Was told I should pay {$2600.00}, which I did and the check cleared the bank on XX/XX/XXXX ( Check # XXXX ). 

All the documents have been sent to me promptly. Yesterday I received a letter from XXXX XXXX thanking me for doing business with them. They advised me that I was owed {$9.00} for overpayment on the auto loan. Attached to that letter was a prepaid XXXX that can be used everywhere ( except at ATMs ). In order to use it as a debit card I would need to set up a PIN and in order to use it as a credit card I just needed to sign for the purchase. 

The paragraph below the " NOTE : The Debit " cash back '' option is not available with this card '' statement advised that " Registration, activation, acceptance, or use of this card constitutes acceptance of the terms and conditions stated in the Prepaid Card Agreement. '' Back of letter has the essential elements of the Prepaid Card Agreement. The schedule of fees notes a card maintenance fee of {$3.00} a month ( nice work on a {$9.00} payment ) This card represents an account that I neither requested nor desired. I could " ... go to the website on the back of the card ... '' to request a check in place of this card. The question is why would they make me take that additional step? 

The extra step I am taking is advising you that this practice is in use to get people to acquire a credit card that they did not request. It seems to me to be much like XXXX XXXX XXXX 'XXXX cross selling schemes to open accounts that their customers were unaware of getting and, like me, did not want or need. 

I am attaching a copy of the letter from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received an email promoting the Citi ThankYou Premier Card. After spending {$4000.00}, I was to receive XXXX ThankYou Points. I applied, was approved, and spent the amount. After this, I was informed I was not eligible to receive the points. 

I contacted Citi after meeting the minimum spend and they informed me that I was not eligible to receive the points. 

This is misleading and I am extremely upset I have taken a hit to my credit, paid them an annual fee, and now receive nothing. They keep giving me the run-around and I have chatted with multiple support specialists, called and been placed on hold, and have no results.

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 2018-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of XXXX, we were hit with a hurricane and my husband lost his job. We contacted Bank of America and asked what could be done. They offered us a forebearance program that would freeze our payments for 6 months without late fees or penalties. They told us at the end of the 6 months we would we have to start making our payments and they would either work out a repayment plan that would increase our payments or we would have a balloon payment due at the end of our mortgage. At the end of the forebearance period we began making our payments on time for the past 6 months while trying to work on a repayment plan with Bank of America. They are making us go through a loan modification. We are in the middle of the modification and just found out that they have filed foreclosure proceedings against us and added court cost and fees. On their website it states forebearance programs result in repayment programs. We dont understand how this could be legal and want to know what our rights are. Our forebearance amount for the 6 months is XXXX. The outstanding amount is now over XXXX with the attorney and filing fees.

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 2018-09-18 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial incorrectly put the wrong amount for our car payment and then reversed it. It then took them almost a month to correct their error. In the meantime, the payment that they incorrectly imputed went against us as a late payment. The payment wasn't late. Ally admitted their error and corrected the payment but they didn't take the late payment off our credit report. I was denied credit due to this error!! Our payment was received and posted before the 30 days - their error and reversing the payment caused XX/XX/2018 payment to be " considered '' late. They were contacted repeatedly in advance and this never should have been considered late.

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 2018-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
Dear XXXX XXXX Senior Customer Care Specialist U.S. Bank XXXX Customer Service This is XXXX referring about NOT HAVING MY CARD ACTIVATED THOUGH XXXX XXXX EVEN THOUGH FROM EXPERIENCE MY ACCOUNTS NEVER GOT BREACHED BY MY EMAIL BECAUSE MY EMAIL IS SECURE AND ENCRYPTED AND FROM MY EXPERIENCE WALKING IN TO YOUR BRANCH ( US BANK ) I SAW THE MANAGER ACTIVATE HER CARD BY USING A CODE SO WHY ARE YOU LETTING EMPLOYEES ACTIVATE THEIR CARD BY THEM SELF 'S AND NOT LET THE CONSUMERS DO IT TOO THAT MEANS I HAVE TO WAIT ON A SILLY REP TO ANSWER AND ACTIVATE MY CARD FOR ME INSTEAD OF ME ACTIVATING IT MYSELF SINCERELY 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 2018-09-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2018 i sent letters to Portfolio Recovery Associates acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXX/XX/XXXXXXXX. I have also sent copies of debt validation letters to XXXX XX/XX/XXXX and XX/XX/XXXX only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by Portfolio Recovery Assoc. 

XX/XX/XXXX has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XX/XX/XXXX case # XX/XX/XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 XXXX XXXX. Never heard of this company!!

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 2018-09-18 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 XXXX XXXX. Never heard of this company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX I went to XXXX XXXX XXXX. I signed up for a store credit card. I was told it would be mailed to my home. I was charged {$8.00} XX/XX/XXXX I received a late bill. I never was mailed a credit card. So, the 1st thing I received was a bill with a late fee. I was willing to pay it off. I called XXXX XXXX to advise them I NEVER received a credit card. I told them I wanted to pay off everything/close account. 
They literally told me I can't pay it all off without giving them my banking information. I was not about to give personal bank info. So, they refused to let me pay off the card/close account. I wrote to the bank that responsible for the credit card. 

XX/XX/XXXX I received a letter from the bank XXXX XXXX issues their credit cards though. The name of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX apologized for the inconvenience. They credited my account to a XXXX  balance. I owe nothing. Yet XXXX XXXX keeps billing me with late fees. I've told them and showed them the letter from their own bank. 

XX/XX/XXXX Still receiving monthly bills. Each time they want more money bc of late fees, even though they have the letter from their bank. I gave it to them twice. 

XX/XX/XXXX I finally wrote a personal complaint to the CEO after getting no where. 

A few days later I was contacted by XXXX XXXX. Customer Relations Representative XXXX XXXX XXXX. I explained the whole story over again. Each time XXXX XXXX acts like they get it & I won't continue to try to get more money. 

XX/XX/XXXX I received another bill from XXXX XXXX. Again, I contacted them. I sent a screen shot of the letter from their back. Again, they apologized. They said it won't happen again. 

XX/XX/XXXX Today I've received another bill with more added on late fees! 

Every single month since, they mail me bills with even more additional late fees. Each month, they say they'll stop behaving this way. It never stops. I have no idea what to do. I have the letter from their bank. I also have the latest email from XXXX XXXX acknowledging that they seen the letter from their bank & I owe them nothing. 

I don't want my credit ruined when I'm not doing anything wrong. I suffer from anxiety issues. Please help me. I don't know what to do anymore! They have proof. They admitted they are wrong. But, they just won't stop the harassment. 

Thank You, XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Trying to link another app to access data in order to budget/save better. Won't let a third party app login and access my account even when authorize to do so.

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 2018-09-18 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: FL

Complaint narrative:
I've started 7 disputes with Citicards against an online merchant that failed and stopped to provide services..The charges were XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, $ XX/XX/2017 {$2900.00}, XX/XX/2017 {$2800.00}. Citicards failed to protect my consumer 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 2018-09-18 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! Thus this should NOT show up on my credit report and must be deleted with all three credit agencies.

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