vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other 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: Convergent Resources, Inc.
State: MN

Complaint narrative:
I was threatened for non payment of XXXX debt from identity theft. Convergent Outsourcing Inc. called me  and threated to put me in jail if I don't make payment! They have also never responded to my dispute letter or other ways to contact them its been over 45 days 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
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
On XXXX XXXX, at XXXX XXXX  EST, I received a call from I.Q. Data International stating that they received a call to verify if a debt was collected in full. I was given the opportunity to pay a lesser amount and I declined. Once declined, I was told that I would not be able to move so it was best that I pay my debt and that I would not be able to receive a discounted rate again. 

When I called to come to a solution today, I was told to use my tax return to pay off the debt. Im not quite sure how these people concluded that I receive a tax return. I do not. 

I felt like those choice words were used to insinuate that Im a person of XXXX and the only reason I was calling was because I received an income tax return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: MS

Complaint narrative:
I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found one derogatory item and several inquiries that do not belong to me. There is a child support on my credit and it shows that the account is closed and paid for, but it is mine. Please remove this fraudulent closed account from my report and inquiries that I have never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our mortgage was transferred to Mr. Cooper / Nationstar back in XX/XX/XXXX with out first payment made on XX/XX/XXXX. Payment was taken out of our account via bill pay from the bank XXXX XXXX in the amount of {$3300.00}. The Bill Pay Confirmation is # XXXX. 

In XX/XX/XXXX, I was notified by mail that we were a month late on our mortgage, so I immediately called and the customer service representative said that I sent it to Nationstar, but to a different department. He would put in a request to recover the payment and apply it to our account. If he had any trouble with that, we would hear from in a couple weeks. 

I never heard from them again and continued making payments each month. Each outlined below. 

XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW,  {$3100.00} Conf. # XXXX XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW, {$3100.00} Conf # XXXX XX/XX/XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE NEW,  {$3100.00} Conf # XXXX XXXX Mortgage : XX/XX/XXXX, NATIONSTAR MORTGAGE, {$3300.00} Conf # XXXX This week, I received a phone call from Mr. Cooper / Nationstar saying we were late on our mortgage and the customer service representative said it was the XX/XX/XXXX Payment we were missing. I then recounted the same issue that I discussed with the representative in XX/XX/XXXXand this representative gave me an email address where I sent all of my documents and proof of payment. It's going on 4 days now and I haven't heard anything from this company. I have never been late on a mortgage payment and need this resolved. I feel like I'm being taken advantage of for an additional payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I was in communication with a loan originator at XXXX XXXX ( NMLS XXXX ) regarding a refinance of my current mortgage loan. After a brief phone call, they provided me with an online application to complete for the refinance. AFTER they pulled my credit and harvested all of our personal financial data, as well as wasted 30 minutes of our time completing the application, THEN they told us they don't even do lending in our state. Has to be illegal for them to pull our credit and take all of our financial information without informing us that they don't even service our state first.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I received an advertisement from Advance Financial 24/7 in the mail, and contacted them via phone and then went to their website and they guided me through filling out an application for a line of credit in the amount of {$1500.00} on XX/XX/XXXX. I provided my bank account information to them for deposit purposes. I did not know that they would use this account information in the future to withdraw payments for the loan. When the company withdrew the first payment from my account, I contacted them and asked them not to do it again, and they assured me that all of my account information would be removed, and I would be able to send checks in the mail. However, the company has continued to draft payments from my account every month. 

I never had copies of the documents I signed or any knowledge of the interest rate the company was charging me. On XX/XX/XXXX, I requested copies of the documents I had signed and a statement of the balance because during a phone call, a representative of the company informed me that I was being charged 360 % interest and I was shocked. I had no idea I had been paying that much interest since XX/XX/XXXX. The company refused to send me the original documents I signed to request the line of credit. They did send me a current statement of my account, which reflected the 360 % interest. 

I asked Advance Financial 24/7 for a fixed payment amount, and at that time the balance was approximately {$2500.00}. I told them I would pay that amount if they would not continue to add interest. They would not agree to this arrangement. 

I attempted to settle the amount I owed by paying the company {$110.00} per month until the debt was paid, and the company agreed over the phone, but the company drafted a payment of over {$500.00} instead. I disputed the debit with my bank account, and the money was put back. 

I know that this predatory interest rate will likely cause this personal loan debt to balloon out of control as it already has, and will likely be very difficult to ever get rid of. I would never have done business with this company if I had known that they would not provide information to me about my loan or a fixed interest that is reasonable rather than extortionary at 360 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: CO

Complaint narrative:
Green sky shows a balance on my account of the ORIGINAL purchase amount plus the DEFERRED interest amount. When asked about this, the representative stated " Well, sir, everyone 's account is that way. '' In short, even though it says I have 24 months of a promo period, how can I be sure they will abide by that when " deferred interest '' is literally, already being charged to my account? 

They refuse to change it and, in fact, hung up on me on my last call to them at XXXX this morning when I called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

This Consumer Complaint is against Source Receivables Management , LLC for it's violations of the Fair Debt Collection Practices Act ( FDCPA ) against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g.

No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I recently ran a credit check due to a low FICO score inquiry. I have had a low score and have been paying on time. I saw a debt of {$890.00} from a company called LVNV and I have not received any mail, email or calls regarding this debt on my report for two years. I believe 2 years ago this showed up and I requested debt verification to make sure this was not fraud however, never heard anything back. After checking today I called them and they would give me no information on what it was or even how I could pay it. They did nothing yet this has ruined my FICO score for almost 2 years! 

I would never have found this had I not checked today. The frustrating thing is that there is literally no way to fix this! I can't even make a payment on it! It has damaged my credit and they have sent me zero answers on verification of the debt. The company LVNV is lying to me saying they have responded to my mailing address when I received nothing. I have several thousand in my account and never would have allowed a small debt to ruin my credit yet I can't resolve this debt or find out if it is fraud! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found one derogatory item and several inquiries that do not belong to me. There is a child support on my credit and it shows that the account is closed and paid for, but it is mine. Please remove this fraudulent closed account from my report and inquiries that I have never made.

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 2020-02-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I'm in the process of buying a home. As I was at the bank the lender told me that the first step was to pull my credit to see what type of loan I was eligible for. The lender reviewed the report with me and he found one derogatory item and several inquiries that do not belong to me. There is a child support on my credit and it shows that the account is closed and paid for, but it is mine. Please remove this fraudulent closed account from my report and inquiries that I have never made.

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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Talk to the landlord because i put in an application they didnt accept me because i have and eviction on my back ground thats clearly says dismissed so now they dont wan na rent from me because thats popping up on there i ask TransUnion can they dispute the problem so i can be able to rent from landlords cause i have kids i need to be in a place my background is perfect i just need some WHRE to live. The landlord dont wan na tell me the reason i wasnt accepted they say its going to be in a letter i told them how ima get the letter if Im not at that address they told me they dont know they just dont wan na rent from me at all cause that pop up from the TransUnion.

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 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: IN

Complaint narrative:
They said they would flag the account as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020, I was working with XXXX  XXXX XXXX to refinance my house. 
They gave me a great rate of 3 % on a 15 year fixed loan. They tried to pull my credit reports to lock the rate, and the XXXX  XXXX XXXX rep told me that my Equifax report is frozen. He recommended I talk to them. I called their general number, at XXXX XXXX XXXX, and spoke to an agent who said he could not access my report. 
Get this : Equifax could not access my Equifax report. He wanted me to send additional documents to prove my identity. I said not a problem. I need the report to be accessible today so that XXXX  XXXX XXXX can lock my great rate. He said it will take 7 buisiness days. 
I explained that I do not have the luxury of time. I asked to me transferred to a supervisor. I spojke to XXXX employee id ( XXXX ). He also said that it will take 7 days. I explained again that i am in a time sensitive situation, and they must be able to do their job and access mny report when I sned in the documents. He was not understandable. I asked to talk to his supervisor, and he said that his supervisors " don't take calls ''. I asked : are you telling me as an equifax representative you are the highest in the company I can talk to? he said yes. I asked about the name of the CEO and address to send in a letter of complaint. He refused. I called the corporate office numebr listed on the internet : XXXX XXXX XXXX. The operator would not tranasfer me to anyone in the leadership and hung up in my face. 
Equifax is holding my equifax report hostage. I can't go on with my financial transactions because of that. This is a very incompetent company. It should be dissolved, and their rocords purged. There are 2 other companies that are doing the job. Why is equifax still allowed to control people 's lives with their incompetence? 
I need access to my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: AR

Complaint narrative:
I was trying to apply for a loan to purchase a jet ski and I was told that my credit had to be reviewed to see if I was eligible. As they checked my credit they told me I was eligible but my interest rate would be high due to my score not being the best. I asked what was the reason behind this and they told me there was some student loans on my account that was hurting me. I have never applied for student loans. The loans do not belong to me. My identity has been compromised. Please delete these student loans from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am a XXXX  military veteran with XXXX percent XXXX. 

I purchased a home using my VA certificate with Mr cooper/ Nation star. 

Because I have a XXXX XXXX XXXXXXXX  XXXX rating of XXXX percent, I qualify to be exempt from paying property taxes. 

I received my letter from the XXXX County Property taxes department and forwarded a copy to Mr Cooper on 3 months ago. 

The customer service department told me that their company does not comply with the tax exemption for veterans program. Needless to say that I am very disappointed and confused as to how they can deny this right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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:
This complain is regarding the fraudulent charges that took place on my credit card due to the fact that it was lost without my knowledge .All the charges just happene

d with 24 hrs and citi bank failed to stop or notify me of any of these unusual activity When I filed a dispute for these charges, citibank denied this claim after reviewing for few weeks without any reason stated. The charges are for approx {$2400.00} in dispute. Whenever I call them it goes to offshore customer support and they just tell me not to worry. This is the letter that was written to citibank after they denied the fraudulent charges claim : Hello Ms
 XXXX I am writing this this letter to you with a great disappointment regarding this case. 
Today after contacting the dispute dept they advised me that you are the assigned investigator on this case and have determined that these are not fraudulent and but valid charges made by me.

These are the charges that were made at the following merchants ;  XXXX, XXXX, Home depot and XXXX XXXX  I would like to know that how did you determine the charges were made by me. I have not ever shopped at these merchants for such a large amount. These charges were made within few days which is very unusual Citibank should have contacted me right away and put a stop to these charges because this is not a regular pattern of the charges. They failed to take this action which resulted in all these fraudulent charges. 
I also demand the following : a ) Did the merchant verify my ID before the charges were approved -- Need report on this. 
b ) Do you have the signature receipts from the merchants for the purchases. I am sure these would not be my signatures. 
c ) Do you have video surveillance from the merchant which shows that who is making this purchase. 
There is no explanation that why this claim was denied and this is very appalling response from Citibank. 
These are not my charges and I demand that these should be credited back to my account. I refuse to pay these fraudulent charges

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 2020-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND THEY OBTAINED AND MAINTAINED BY A THIEF. NUMEROUS TIMES I HAVE REACHED OUT TO EXPERIAN AND ALSO TO THE DEPT OF EDUCATION. THIS LOAN ON MY CREDIT REPORT IS FRAUDULENT AND DOES NOT BELONG TO ME.

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 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: AL

Complaint narrative:
A Letter was sent to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX to request document 's showing that this is my account. I have not received documents proving the matter. They have reported to all 3 credit B and I have disputed. By law they have to send the necessary information to me and as of today XX/XX/XXXX I have not receive it.Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. 
Name and Address of Alleged Creditor : ______________________________________________________________________ Name on File of Alleged Debtor : ______________________________________________________________________ Alleged Account # : ______________________________________________________________________ Address on File for Alleged Debtor : ______________________________________________________________________ Amount of Alleged Debt : ______________________________________________________________________ Date ( that this alleged debt became payable ) : ______________________________________________________________________ Date of Original Charge or Delinquency : ______________________________________________________________________ Was this

Debt assigned to a Debt Collector or Purchased? ______________________________________________________________________ Amount Paid if Debt was Purchased : ______________________________________________________________________ Commission f
or debt collector if collection efforts are successful :

Company response to consumer: Closed with explanation