vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called Transunion because they once removed the fraudulent debt off of my file and then put it back on there again. Now all XXXX are reporting it again. I told them per the FCRA, they are supposed to investigate and if there is no proof or response, they are supposed to remove it. I called them and they told me to contact the creditor. I told them that I already contacted them and they have done nothing and they basically said it was my problem and it is between me and the creditor. Transunion does not follow the Federal Credit reporting act guidelines. XXXX is reported twice once again on my report even though I notified Transunion that it is a fraudulent debt. I sent them a FTC affadavit and a police report and they still did nothing.

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 2017-04-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX my husband and I met with a MLO to discuss loan options and be pre-approved. We were given the option of a destination home mortgage, but at that time not given the exact requirements of maximum gross income to qualify. On XX/XX/XXXX, two days before closing on the home, we were told the loan was denied because of exceeding max income ( we had actually been denied on XX/XX/XXXX but not told ). If the information had been given to us we would have recognized we do not qualify. From this point we were given false information on our loan options moving forward including the amount we would pay out of our pocket at closing. The MLO dragged out from the begging of the process and yet again after denial, giving us information about a FHA loan. We were not told of a deadline to submit for another loan before the application became inactive and the process would start over again. Because of this deadline on XX/XX/XXXX the MLO submitted for a loan ( conventional LPMI loan ) which I had not consented for, when that morning I had in fact said we wanted the FHA loan. If the loan he submitted us for had been approved then we would be unable to pay out the loan. We then worked with the MLO 's manager since the MLO refused to " deal with us ''. The manager told us we are not the first people he has given false information to and that he submitted information on our loan incorrectly, the MLO " did n't do his job ''. In addition, we originally had difficulty signing the disclosures due to the MLO being unfamiliar with the online program yet the process proceeded. Also, poor communication skills of the MLO including incorrect grammar, spelling and incomplete sentences made it extremely difficult to have questions answered and understand the answers given. Once we worked with the manager, we resubmitted as a FHA 4.375 % interest with loaner credits due to the amount we need to bring to closing being much more than originally promised by the MLO, with the closing date of XX/XX/XXXX versus XX/XX/XXXX. In order to have the extension on the contract, our seller 's had to compensate their seller 's for their new house. Now we also have to hire mover 's instead of doing the job ourselves since we now need to move on weekdays we already are scheduled to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX has no responsibility over the debt of XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.

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 2017-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: OK

Complaint narrative:
I entered a loan agreement with Big Picture loans for XXXX. 
I was lead to believe I would be paying four installments of XXXX dollars and some change. After I agreed to the terms, the loan turned out to be for nineteen bi-weekly installments of XXXX and the final payment of XXXX. Apparently all of this at the interest rate of 697.0875 % APR. None of this was relayed prior to the loan. I can not get a hold of anyone one their side and when I do they hang up on me when I attempt to explain why I need a payment arrangement change date. They insist on processing the payment on the date I get my direct deposit, but they are drafting before it hits and I am incurring over draw fees because of it and no one will cooperate to even resolve this issue. It is a complete nightmare. I regret having acquired a loan through this company. Any assistance will be greatly appreciated. 
Thank you, Loan Company Information : Red Rock Tribal Lending, LLC dba Big Picture Loans XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
CFPB complaint Filed XX/XX/XXXX Case # ShellPoint XXXX XXXX XXXX, XXXX CA XXXX XXXX said that it will be a big problem to do a short sale for a homeowner that does not have separate business bank statements, no business name, and have not filed taxes for XXXX and XXXX, and therefore underwriting will likely require the homeowner to file taxes for XXXX & XXXX. I told ShellPoint that the homeowner is a sole proprietor - there is nothing wrong or illegal about this. Therefore a separate business 'name ' and 'bank statements ' are not necessary. The homeowner has also already provided a written and signed statement that they have not filed income taxes. I also reminded ShellPoint that in California the homeowner can not contribute to a short sale, and since the profit & loss statement is proof of income, they will have to make a decision based on what they have been given. 

Why is ShellPoint trying to force the homeowner to file income taxes? They are being stupid. I want ShellPoint to follow servicing guidelines. If ShellPoint wants the taxes to be filed - are they going to hand over the {$500.00} for each year of taxes so the CPA can file them? The homeowner certainly does not have that kind of money. 



In California, the lender can not ask for a contribution from the homeowner. It is obvious from the income information provided that the seller can not afford to keep the home. Attempting to force the homeowner to file income taxes is just another delay tactic and does nothing but reveal the stupidity of this company as a mortgage servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XXXX MD XXXX WF CRD SVC Attention : XXXX Date : XX/XX/2017 To whom it may concern The purpose of this letter is to Dispute and to request and expungement of the above referenced account. 

I do n't recognize the accounts in question. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the Fms WF CRD SVC Vacate, withdraw and/or expunge. 

Please forward a copy of the withdrawal and/ or expungement to the address listed above in this letter. 

Your prompt attention to this matter is greatly appreciated. 
Thanks, 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 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please note that the issue we are having is not a selection in the " best described '' from above. 

I am writing from XXXX and we are the title insurer on the subject property. Chase holds a judgment that we need to clear because it was not cut off in the subject foreclosure action. Their debtor is the prior owner who was foreclosed upon. Our current client, the Plaintiff and Seller of the property needs to convey clear title at the REO sale, and Chase is prohibiting this from occurring. Here are the series of events for this issue : XX/XX/XXXX : XXXX Counsel, XXXX sent a proposed stipulation to JPMorgan Chase Legal Department in XXXX DE asking them to execute to extinguish the lien pursuant to the foreclosure. Chase did not respond. 
XX/XX/XXXX : XXXX faxed settlement offer to Chase to both their Judgment/Bankruptcy review department and Judgment Correspondence department. We tried to settle the lien and obtain a release. 
XX/XX/XXXX : XXXX faxed XXXX request to both departments. 
XX/XX/XXXX : Also emailed request to XXXX, XXXX, of Chase asking for his assistance since no one at Chase had responded. He was more concerned with how we obtained his email than with assisting us. 
XX/XX/XXXX : XXXX faxed XXXX request to Judgment Review. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX since we never had a response. Again, his main priority was how we obtained his email address. 
XX/XX/XXXX : Emailed XXXX request to Attorney XXXX asking for him to please filter our request to the correct party. He called and was supposed to do so, however, we did not hear from any other persons at Chase. 
XX/XX/XXXX : XXXX XXXX was trying to assist us and reached out XXXX, whom they had contact with on another file. XXXX informed them that their legal counsel would not execute a stipulation because the lien in question has been paid, and they sent the release to the foreclosed owner ( former owner ), XXXX in XX/XX/XXXX. XXXX XXXX asked for a duplicate original, but they would not produce once until they had authorization from the owner. 
XX/XX/XXXX : XXXX faxed request to Judgment review and lien release dept., with the information that we had that the lien was paid ; asking for a duplicate and gave them the current owner 's authorization. We stated that we would be filing a claim with the CFPB if we did not hear back from them. 
Chase called us the next day responding to our letter stating that they would not give us the duplicate because they wanted consent from XXXX. I explained that would not be possible since he was involuntary foreclosed upon. Chase did not seem to care despite the fact that I told them we would have to proceed with our claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Triple AC Resolutions
State: MI

Complaint narrative:
They are calling my parents threatening them with collection of my " unsettled '' debt, and faxed my place of work. They never tried to contact me. This debt has been settled. It was settled in 2009.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Greenback Recovery Group, LLC
State: NJ

Complaint narrative:
I was left a voicemail stating they would pursue a check fraud case against me which is not true and/or possible.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Opened Business Checking account with Bank of America on or about XX/XX/2017. Terms stated that " Make at least {$1000.00} in Qualifying Deposits ( less cash received ) into that new business checking account within sixty ( 60 ) days of account opening ''. I in fact funded the account with {$3000.00} within the first 30 days from a third party bank. Given the account promotion, I should have been credited {$200.00} for this account opening and funding. 

Bank of America sent a letter the end of XX/XX/2017, indicating that qualifying bonuses were not met. I have requested that Bank of America investigate this, but have not gotten a response to date.

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 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America issued me a new Debit Card about XX/XX/2017. This change required me to contact all auto-pays with my new updated Account No. to prevent interruption of payments. 

On XX/XX/2017 BOA gave my new Bank Account No. without notifying me, without my authorization, to a service I do not use and allowed them to withdrawal money in the amount of {$29.00}. I saw this charge on my bank statement and called BOA concerned for my banking security and safety. 
BOA immediately credited the money back to my account and told me they would block the company. 
They blamed XXXX as it 's LOGO is on my card. They later blamed it on being a recurring charge, which it was not. 
I have several recurring charges and had to contact each one with my new card account number weeks earlier to prevent routine recurring charges from being declined due to my new account number. BOA refuses any responsibility for giving out my private banking information. BOA gave no guarantee for my future security of my banking information. 
We discussed & agreed to, 'not ' blocking my bank card as it was new and would create unnecessary inconvenience for me since BOA already blocked the company. 
BOA went ahead and stopped my Bank Card without notifying me. All calls are recorded and I requested they hear the recording ( XX/XX/2017 at XXXX ) as now they are accusing me of stopping my Bank Card. 
From the {$29.00} charge to my account it is evident that stopping one 's Bank Card adds NO extra security prevent fraudulent charges. 
SUMMATION : 1. ) BOA with no authorization or notification gave an unknown company my secured bank account information that incurred the expense to my account. 2. ) BOA out of spite stopped my Bank Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC
State: FL

Complaint narrative:
XXXX sent me a credit card in the mail claiming " Here is your new XXXX Card '' with a credit line of $ 150XXXX. They put my name and my company name on the card. The card had a " call now to activate '' sticker on front, just like a new credit card would have. Neither I nor my company requested a card or line of credit. When I looked on back of the letter in fine print it said, " This is not an offer of credit. We reserve the right to verify your financial information and confirm your credit worthiness. Includes but not limited to verifying banking and credit info. I believe this is a ploy to get you to give your info over the phone and they prey on unknowing people who trust the mail they get.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: KS

Complaint narrative:
I participate in the Revised Pay As You Earn payment plan for my student loans serviced by FedLoan Servicing. On XX/XX/XXXX, I received notification that I was required to re-certify my annual income and I filed a timely recertification using studentloans.gov the same day. Nearly 60 days later on XX/XX/XXXX, I received notice that my re-certified payments were calculated at {$69.00} per month. I immediately realized that FedLoan Servicing incorrectly calculated my payment and I contacted Fedloan Servicing in writing by using the form on the Fedloan Servicing website on XX/XX/XXXX. I received no response from Fedloan Servicing based on my written complaint. On XX/XX/XXXX, I called Fedloan Servicing to complain my payment had been incorrectly calculated. FedLoan servicing acknowledged that my payment was incorrectly calculated because a FedLoan Servicing employee erroneously processed my application with a family size of one rather than two, and ignored my husband 's student loans when calculating my payment. FedLoan Servicing acknowledged the correct payment amount was {$10.00} per month and agreed to correct the error. I followed up by phone three more times and on each occasion was told my payment would be reprocessed within 7-10 days. Today, XX/XX/XXXX I called again to inquire as to whether my payments had been correctly re-calculated. FedLoan Servicing indicated my payments had not been re-calculated and was told that FedLoan Servicing could not re-calculate my payment scheduled for XX/XX/XXXX because I contacted them too close to the due date and was told the issue would be corrected effective in XXXX. I repeatedly requested I be billed the correct payment of {$10.00} for the month of XXXX as required by Federal Law and FedLoan Servicing refused. FedLoan Servicing 's refusal was never based on the premise that the {$69.00} payment was correct but rather that they could not or would not fix the payment in their computer system. I still have not received written confirmation that my payments have been corrected going forward and I suspect they have not been corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
Threatening to take legal action but keeps postponing the court date. Will not take a lesser payment than what they feel is appropriate. Filed financial hardship documentation stating affordability of payment. Lack of communication with agency. Original debtor ( hospital ) is unable to contact agency. Agency refusal to work with plaintiff. Self identifies as collections agency and lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: OR

Complaint narrative:
For the past several years, ecmc have procured my income tax refunds which technically indicates partial payment, hence resetting the statute of limitations which should have expired in 2015.

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 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Roquemore Holdings LLC
State: LA

Complaint narrative:
They are looking for someone I used to date and they have repeatedly called me have been looking into my social media and contacting my family and friends. As well as the family of my friends. The debt is not mine which they understand but continue to harass Me and my family.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Global Recovery Group
State: MO

Complaint narrative:
Received a call from " Global '' in XXXX, AZ. Phone number is XXXX. They advised that someone would be coming to my house with the Sheriff in order to get this matter handled. I had my son-in-law call them and Global refused to provide any fax number, email address, or address where we could provide written correspondence for litigation against this company.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Insight Capital LLC (NV)
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX.I received a call on XXXX/XXXX/XXXX from a private number stating I had a debt back in XXXX that needed to be paid and they have made several attempts to reach me. After I had told them now was not a good time, they told me " Good luck in court maam ''., At that time, I became panicked and heard them out. I started asking questions, ( who they were, when this debt supposedly happened, why they have n't tried to contact me before ) The woman stated they were the collection agency and the actual debt resided in a different company. They also told me my ex 's information of his email. They then started to confirm all of my information and asked me to pay now on that day or else someone ion my area was going to serve me court papers, and that would cost me well over XXXX to fix. I was very scared at that point and decided I better pay this bc I do not want that to happen, I transferred money and even called the bank to let the funds go through. After the transaction went through, the lady continued to call me stating they would email me the final paperwork to be signed ( sounded legit, bc I thought that 's how you would handle a debt collection ) so after me not signing for a few hours they called me back to sign the paperwork. I got home from work and signed it online that day and then received an email stating everything was ion close and then I saw the Insight capital LLC. I had then XXXX that company and realized it was a scam. HELP me please!

Company response to consumer: Untimely response
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
There are a total of XXXX OPEN accounts being reported with this agency. 

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.

Company response to consumer: Closed with explanation