vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
Mr. Cooper ( formerly Nationstar ) sent me advertising materials about purchasing a home protection warranty, which I agreed to because they said they could pay the monthly premiums directly from my escrow account. The policy went into effect on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from XXXX XXXX ( the home warranty company ) that my policy was being cancelled due to non-payment of the monthly premiums. I immediately contacted Nationstar and they assured me it was an oversight, and that they would forward the premiums to XXXX XXXX so that my coverage would remain in effect. On XX/XX/XXXX, I had a plumbing leak in one of the bathrooms and it did approximately {$9000.00} damage to my home. My homeowners insurance policy issued me a check for the damages, minus my {$1000.00} deductible. They informed me that the plumbing repair was my responsibility and needed to be done prior to the repairs. I contacted my home warranty company because their brochure states they cover plumbing problems, and that they will cover my {$1000.00} deductible. When I tried to file a claim, I was informed that they could not process my claim because my policy premiums had not been paid for the last four months. I contacted Mr. Cooper ( Nationstar ) and they informed me that it was another oversight on their part. I have been talking to them for the last three weeks, they told me they wired the money to the home warranty company over ten days ago. The home warranty company denies receiving any payment. In the meantime, my family and I are being denied services for which we have already paid. We are unable to repair our home unless we get the plumbing problem repaired. I have been waiting a week now for the mortgage company to produce proof that they wired the funds when they say they did, they are still unable to produce those records today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received documentation from XXXX XXXX offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.

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 2018-01-24 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: ERC
State: FL

Complaint narrative:
I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. This has damaged my credit severely and I want it to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I have been trying to get fraudulent charges of XXXX reimbursed and back into my account ASAP. 
Here is the background- XX/XX/XXXX FRAUD DETECTED AND THE FRAUD DEPT CALLED ME AND I CONFIRMED FRAUD AND THE DEBIT CARD WAS TO BE DISABLED. XXXX online transactions for a total of $ XXXX XX/XX/XXXX MET WITH BANK MANAGER AND SIGNED A NOTARIZED DOCUMENT STATING FRAUD. AGAIN ASSUMED CARD WAS DISABLED. 
XX/XX/XXXX. LOOKED ON MY ACCOUNT XXXX AND ADDITIONAL XXXX TRANSACTIONS HAD BEEN AUTHORIZED OUT OF MY ACCOUNT. ON XX/XX/XXXX AND XX/XX/XXXX. 
TEXTED BANK MANAGER AND HE SAID HE WOULD HANDLE FIRST THING IN THE MORNING. 
MONDAY XX/XX/XXXX I CALLED BANK MANAGER AT XXXX HE SAID HE WAS BUSY AT THE MOMENT AND WOULD GET RIGHT BACK TO ME. HE ALSO TEXTED ME THAT HE WOULD GET A NEW DOCUMENT FOR ME TO SIGN TO STATE NEW CHARGES WERE FRAUD BY END OF DAY. STILL HAVE YET TO RECEIVE I HAD NOT HEARD BACK FROM XXXX SO I CALLED AGAIN AT XXXX AND AND XXXX. HE TEXTED ME SAYING HE WAS WITH A CLIENT. 

I THEN CALLED THE CALL CENTER AND SPOKE TO XXXX. SHE CONTACTED XXXX AND SAID HE WAS WORKING ON IT AND WOULD GET BACK TO ME BY END OF DAY. 

XXXX XXXX ON MONDAY I GET A TEXT FROM BANK MANAGER ASKING IF I HAD TIME TO CHAT. 
AND THEN ANOTHER TEXT IMMED AFTER STATING HE WOULD GET BACK TO ME TODAY. 

IT IS NOW TUESDAY AT XXXX AND I HAVE NOT HEARD FROM YOU OR HIM AND XXXX IS STILL OUT OF MY ACCOUNT FOR 9 DAYS! 

LET ME ALSO TELL YOU THAT I MET WITH XXXX THE BANK MANAGER OF XXXX XXXX AND HE WAS INSTRUCTED TO DISABLE ALL DEBIT CARD WITHDRAWALS FROM THAT ACCOUNT. THAT WAS ON XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My name is XXXX I am having a considerable amount of issues with XXXX XXXX XXXX   when I called to inquire about loan they said what to bring and where I arrived at the office and was taken care of by a trainee who wasnt quite sure how to do everything XXXX the manager I believe was there but as uninformatice as the other lying to me that this was in fact a title loan if approved I would get a XXXX card which I was not approved so they gave me a paper check which it took me over an hour calling places due to the check looking fraudulent they told me my payments each month which I made on time and then I find out that Ll I have paid went to nothing on my loan this is a scam fraudulent to prey on people who need the money I am dealing with XXXX and didnt need to be frauded lied to or deceived and believe that they need to be represmaded for this it is inexcusable to put less fortunate in this position as I never would have taken the funds had I known this was an interest only loan I then requested to change date as it interferes with my rent I am on XXXX only and not married my roof over my head comes first but they refused to accommodate my need to change the date by one week I spoke with many people working for this company and a different story always in 2 days my pay off went from XXXX to XXXX and each payment made increases the loan I am sick over this mainly due to being lied to and scammed into accepting something I should have never received due to my status

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a discrepancy on my report 2 times by XXXX. I stated it was n't mine and it was removed both times. Now it has shown up for a third time on XX/XX/18 for around {$1300.00}. 
This is not my debt but it keeps showing up after it 's been challenged and removed two times and has shown up for a third. 
This has damaged my credit severely and I want it to stop.

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 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: MN

Complaint narrative:
A company named XXXX XXXX XXXX called my sister saying that I am involved in a civil lawsuit and that I need to call them immediately. They told her that I owe money that I am going to court and get sued if I do not call back. They said to give them a call at XXXX and tell them case number. I call them back and they say I owe them XXXX $ and if I do not pay it right this second they will increase the amount send me to court and I would pay thousands in litigation and court fees. They claim this amount is owed from XXXX XXXX which closed years ago and I have never ever received a notification from them, this is the first time I had ever heard about this. We call them back and tell them it is illegal to inform a third party of any legal troubles a person might have and that it is illegal to sue or threaten to sue. They keep transferring us to different people and everyone acts dumb saying that they contract other companies to make those phone calls and they ca n't control that. They hung up on us 4 times. They are a debt collector, claiming to be a law firm.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-24 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express cancelled my credit account because of security concerns they said. They said they told me to verify the charges which I did through app before I stopped using their app and was paying of my debt through my debit account. They cancelled it by saying they asked me to verify the charges in 15 days but I never received a e-mail or mail stating I need to take action. My history has badly been affected and I am not in the position to pay off my whole debt Without using credit card at sometimes. I am a student and I really want XXXX to reactivate my account. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Check Recovery Bureau, Inc.
State: OH

Complaint narrative:
I have received several harassing phone calls since XXXX XXXX, 2018 to the present day of this writing ( XXXX XXXX, 2018 ) from various representatives giving a variety of names ( XXXX XXXX ... .XXXX XXXX are two of the names they are using ) from a company calling itself XXXX ( United Check Recovery Bureau ... the address from the Better Business Bureau is XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX. One of the many telephone numbers they utilize is XXXX. 

The only way I know the name of the company is that I have done extensive online investigation on the telephone numbers they are calling from ... rarely do they identify themselves. They have called me at home, on my cell, at work, and now are calling several of my relatives. I do not know any information on the debt they claim to be collecting. I have sent them a validation letter, and a cease and desist letter, and also given them the name of my attorney and demanded they work through her, but they keep calling. 

My nephew who lives in a different state called to me today to tell me that this company called him asking my whereabouts. They know my whereabouts because I have contacted them and they have my address. This is just an intimidation tactic they are using. They have failed to validate the debt and keep telling me that they " emailed the information '' to me ... which they did not, and besides, a valid validation should be in writing. The representatives are rude, harassing, and this XXXX XXXX sounds as if she has been smoking since birth. Please help this is causing incredible problems with my employer. If you google XXXX or Unite Check Recovery Bureau ... .there is a multitude of complaints on various websites about their harassing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The auto loan debt was sold by Hyundai Motor finance to XXXX XXXX XXXX on XXXX 2016, They accept settlement agreement to pay off the account. 
I made the payment in full and they advised after payment clear, they will will reported as paid and XXXX balance. 
they confirm that payment was forwarded to hyundai. this original creditor is reporting to equifax that a have balance of {$510.00} I disputed couple time to hyunday that account has XXXX balance, they refused to report correct information. 
The satisfaction letter have been forwarded to hyunday. 
They acccept my payment, they must remove the balance as account is considered paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a XXXX XXXX card with Chase which gives you a {$300.00} travel credit every year. I spend over {$100.00} on a ticket to Florida and thought that chase would automatically credit it back on my account. Chase recently closed down my account for unknown reasons ( a compliant for another time ) and I called them to see what happened with my travel credit that I never received. They said they will refund me but when the representative tried to process it the system would not let as it was past 4 months claim time and my account is closed they cant give me the one time waiver. First of all they closed my account and second of all they should still be able to give the waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC
State: MT

Complaint narrative:
In both XX/XX/XXXX and XX/XX/XXXX my husband and I bought new vehicles. Both times at financing we were informed that my husband had better credit than me, so we did the financing in his name only. In XX/XX/XXXX, out of concern for what was on my reports I pulled my credit and found that XXXX XXXX XXXX reported that I had a debt of {$650.00} that I owed from XX/XX/XXXX and that I paid this debt in a settlement for less than the actual amount of what was owed to them and it shows as an adverse account on mine and y husbands XXXX credit reports. XXXX XXXX XXXX was a collection agency that I worked for doing collections in my home. When I no longer was working for them in XX/XX/XXXX they sued me and my husband for {$650.00} for the used computer and monitor. My husband NEVER worked for them at any time. My husband and I appeared in court XX/XX/XXXX XXXX Civil and Small Claims, the case was dismissed with prejudice. Their attorney, XXXX XXXX, took possession of the computer in the courtroom in front of the judge and court clerk. On XX/XX/XXXX XXXX XXXX XXXX XXXX reported a debt onto my credit report and my husbands XXXX credit report 13 days AFTER their attorney was in possession of the computer and monitor and after the courts dismissal with prejudice. They created a debt by using my date of hire, fake DOBs, my husbands name is misspelled, in order to generate this debt. I have worked since XX/XX/XXXX trying to get this off of our credit. We've consulted an attorney, filed complaints with the XXXX and the Attorney General, and disputed the debt with XXXX. The WA state Dept of Licensing said that XXXX XXXX XXXX dissolved at the end of XXXX and that XXXX XXXX assumed assets and liabilities. This is fraud and many laws were broken by the very collection agency that I worked for as a way to retaliate against me for quitting. XXXX XXXX XXXX is now DBA Genesis Credit Management , LLC, located in XXXX WA and they have learned a really good shell game of dissolve and assume a new name. But if a collection agency can do this to a former employee can you imagine what they can do to a debtor or a consumer that has no idea what to do or where to turn to protect their rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The credit report shows I have Maximum Delinquency of 30 days in XX/XX/2012 on my XXXX XXXX XXXX Credit Card. However, the lateness is due to the company 's error of NOT sending any statement to me. I called the credit card company after I found this problem back in 2012 and they admitted their problem and they refunded the late fee and said they would NOT report to credit bureau. However, they still reported it and it affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 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: FL

Complaint narrative:
Just pulled up my credit report and there is a {$600.00} unpaid from XXXX XXXX. I do not know who this is from nor was I ever contacted about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disturbed that the Credit Bureaus XXXX and TransUnion continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar days.

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 2018-01-24 00:00:00
Product: Debt collection — Payday loan debt
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: BlueChip Financial
State: AR

Complaint narrative:
I received a call from XXXX XXXX XXXX on XX/XX/XXXX at around XXXX in reference to an old online payday loan from XX/XX/XXXX. The lady that I spoke to first was XXXX XXXX, and I demanded her company and phone number because they called me on my office phone at my job. She politely gave me the information and she could not tell me the information because the documents were sealed. XXXX XXXX sounded nervous and unsure as she placed me on hold to speak with XXXX XXXX.This man did not introduce himself and immediately threatened to lock me up for an old payday loan. He was very rude and controlled the entire conversation even after just asking simple questions. I requested that he send me information about the loan. I never denied it but the way that he was using all of those big words and trying to fast talk me was ridiculous! He repeatedly said that I would be arrested and I currently work in law enforcement and I know that I havent done anything criminal other than default on a loan that is a civil matter and I have not been summoned to court. He quoted to me {$2100.00} and if I am picked up it would cost me {$3500.00} and I would picked up at work and post bond from jail. He also advised me that I would picked up by Marshalls and arrested and taken to jail. He also advised me of Title 18 inquisition, and a restitutional program. He then went on trying to set up a payment plan of splitting the {$2100.00} in half in to two payments or pay it over a seven month period. This is just wrong to talk to me and threaten to have me arrested is this legal Not!! Especially over an old debt!

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 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XX/XX/XXXX ; XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX I have no idea how they received my phone number to call, but i did notice that they have accessed my credit report without my knowledge and consent. if they call they go to my voicemail due to being blocked.

Company response to consumer: Closed with explanation