vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Due to XXXX in my immediate family and my own illness I fell behind in my payments. I am working as hard as I can to catch up but the collection calls are relentless they start at XXXX XXXX XXXX XXXX and do n't stop until XXXX XXXX  seven days a week, The callers make threats to come and get the car and when I advised them to do so they refuse to come and get the vehicle. I have asked for the paperwork to be sent to relinquish the vehicle back to the lender and they refuse to send it. 

I have repeatedly asked not to be contacted while I am at work during the hours of XXXX XXXX  and XXXX XXXX yet the continue to call. If I l do not answer the phone they hang up and call right back. Because they will not respect my request not to call during my working hours or not to call my place of employment my employment may be in jeopardy, On Sunday XXXX XXXX, 2018 I received twenty calls from the lender in a single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MT

Complaint narrative:
Today, XX/XX/XXXX, 2018 I called our mortgage servicer, Select Portfolio Servicing at XXXX this morning and spoke XXXX minutes to a XXXX XXXX about the XXXX XXXX XXXX XXXX since we have a XXXX loan with them. 

I asked about the {$10000.00} reduction and how we could get it. I was advised we did not qualify and asked why and could I also get it in writing and was told we could not. 

I would also like to know why we have no equity in our home as we have been making monthly payments and there is hardly anything going to principle, all is going to interest, Current Balances Principal {$190000.00} Escrow {$750.00} Late Charges {$0.00} Total Fees {$0.00} Year-To-Date Balances View Last Year 's taxes and interest paid Principal Paid {$95.00} Interest Paid {$820.00} Taxes Paid {$0.00} Hazard Insurance Paid {$130.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
Choice Recovery - {$130.00} for XXXXXXXX XXXX XXXX XXXX I pulled my credit report because my bank refused to re-finance my home and found out that Choice Recovery XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX has reported a collection on behalf of XXXX XXXX XXXX XXXX. 

I never availed these services and disputed the collection when they sent me the bill. I took my son over there for XXXX XXXX XXXX XXXX but never got it done as they quoted me different amount over the phone but were charging me the double when I went there. I never got his XXXX XXXX and came out of the dental office. I disputed this charge when XXXX sent me a letter and talked to XXXX of their agents as well. XXXX XXXX XXXX XXXX is notorious for charging different amounts to customers and have several review complaints similar to mine. 
Please contact me at your earliest convenience for more details as this is hindering my re-financing and they put a collection for the services never taken.

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 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed a account on my credit report which is a XXXX card that Experian is reporting as a charge off and failure to pay certain months. This account is not a charge off as it has been paid in full. Experian will not update my credit file correctly. 

The account is a XXXX card with the address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Experian Address is XXXX. XXXX XXXX XXXX, TX 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 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation
State: MS

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending XXXX XXXX XXXX payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX. I send them a total of {$150.00}. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to XXXX XXXX XXXX about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. I received two check totaling {$55.00} in the mail. I had to filed a complaint online on XX/XX/XXXX with CFPB complaint # XXXX because they still owe me {$94.00}. XXXX responded by sending me a check in the mail for {$64.00}. XXXX XXXX XXXX still owe me {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Green Trust Cash, LLC
State: MI

Complaint narrative:
I received a {$300.00} loan from greentrustcash on approximately XXXX/XXXX/XXXX. Where it was set to pay back in increments of {$78.00} every two weeks on my pay day. 4 payments were taken out respectively on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX totaling {$310.00}, equaling an overpayment of {$12.00}. 

It is now to my understanding that Greentrust applies a 699.99 % annual percentage rate to the loan set out to 8 payments of {$78.00} which would total {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the XXXX validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided XXXX within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Recovery Services, LLC
State: GA

Complaint narrative:
This company uses a robo call to threaten me to collect a debt. I do not have a debt. They claim to be from Direct Recovery Services. They even give a web site www.directrecoveryservices.com on the recording and a reference number. The end of the recording advise you to go to the website to pay. There are two voices.The recording uses threatening language and frightens my children when they hear the recorded message. They say things like " this is our last attempt to contact you, '' " as the law requires, '' " you are not blind sighted by the events taking place, '' " it is absolutely imperative we speak to you today. '' The voice is loud and angry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Automatic Data Processing, Inc.
State: FL

Complaint narrative:
Information contained in background screenings completed by various companies contain inaccurate and incomplete information. This continues to result in loss of employment or employment opportunities. The inaccuracies include the failure to note a dismissal of a felony and incorrectly identified a non-violent misdemeanor as a felony. Further, there is no disposition and it appears as if the matter is an ongoing criminal matter. Another inaccuracy regarding the dismissed felony, is the charge is misidentified. It makes the applicant appear as the person is a violent  offender, which is not the case. 
The charge involved a domestic dispute with a sibling who was angry. Again, this charge was DISMISSED as a NO BILL over three years ago and the related conviction for a misdemeanor is NON- VIOLENT. I have contacted XXXX County, Florida Clerk of Courts and they verified their information in their system is correct. I have copies of the court documents as proof the errors above are, in fact, errors. The information has been misreported or depicted inaccurately by public records or interpreted incorrectly by background screeners. I have disputed the background report with backgrounds.com before and this corrected the problem with one company. However, this has been an ongoing problem. This leads  me to believe the problem is with the information reported in public records accessed by other background screening sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
i was never late for payement with XXXX 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 2018-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: AL

Complaint narrative:
I owe a debt to XXXX XXXX XXXX in the amount of {$3300.00}. I was contacted in writing by XXXX XXXX XXXX in XX/XX/XXXX in an attempt to collect this debt on behalf of Rise. I wrote a letter dated XX/XX/XXXX explaining that I had an open Chapter XXXX case that I was converting to a Chapter XXXX but was willing to make a settlement for 20 % of the amount owed. I mailed the letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. I never received a response from this company agreeing to the settlement or stating that payment was due in full. On XX/XX/XXXX at XXXX XXXX I received a call at my place of employment from XXXX XXXX with Rise at XXXX and XXXX. When I first answered the call she did not tell me what the call was in reference to she only stated that she spoke to me back in XX/XX/XXXX { which is a lie } XX/XX/XXXX was the first time I spoke to this woman. and asked if I had a pen and some paper. I asked her was this in reference to a patient and she said no this is regarding your debt with Rise. I Said to her do not call me on my job but contact me in writing. She started screaming in the phone WE DID WRITE YOU, PAY YOUR BILLS, PAY YOUR BILLS WHILE YOU STILL HAVE A JOB, ARE YOU GOING TO PAY YOUR BILLS? ARE YOU GOING TO PAY THIS {$3300.00} THAT YOU OWE? She was screaming so loud and she would not let me speak, finally she stopped and I asked her for her name again and she screamed MY NAME IS PAY YOUR BILLS. I calmly stated I have your name XXXX XXXX and hung up the phone. I have have struggled with medical illnesses from XXXX { twice }, XXXX, XXXX, XXXX and and car repairs since XX/XX/XXXX and offered to pay what I was able to pay If they plan to sue me that is fine but I do not appreciate being talked to with such disrespect and rudeness.I would appreciate if they not contact me again about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Transcontinental Credit & Collection Corp
State: CT

Complaint narrative:
I received a notice from transcontinental regarding a bill for {$480.00} from XXXX XXXX XXXX for date of service XXXX/XXXX/XXXX, I have been in contact with XXXX XXXX XXXX and applied for financial help with them with their financial aid department, I also recently received this same notice from XXXX XXXX XXXX for the same amount and they too was aware I applied for financial help with XXXX XXXX XXXX department so I dont know why I am receiving double billing XXXX from 2 collections department when I have been in contact with XXXX XXXX XXXX. Somewhere along the line someone is not communicating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. Several accounts were opened in my name. 

I did not open, use, benefit or access the accounts opened at XXXX  XXXX XXXX or XXXX. 

I called Early Warning Services today and the agent confirmed that Early Warning marked my account as identity theft but did not delete it and until today had not sent me their identity theft kit. I did receive the identity theft kit on XX/XX/2018 My Early Warning Services consumer ID is XXXX I have attached a copy of the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Property was Foreclosed while under protection of Active Bankruptcy Chapter XXXX I was in default on my mortgage due to unemployment. I filed for bankruptcy protection under Chapter XXXX. In XX/XX/XXXX, while in Chapter XXXX, my Bankruptcy attorney had a medical emergency and several of his cases including mine, slipped through the cracks and were dismissed in error on XX/XX/XXXX. An attorney stepped in and filed a motion to vacate the dismissal of the BK on my behalf. At a court hearing on XX/XX/XXXX the judge approved the vacating of the dismissal of the bankruptcy and the bankruptcy was reinstated. On XX/XX/XXXX Nationstar Mortgage, dba Mr. Cooper foreclosed on my property while I was still under the protection of the Bankruptcy stay. As of today, XX/XX/XXXX, I am still under the protection of the bankruptcy and they are proceeding with trying to evict me and they do not have a right to do that. Under the BK statute all attempts to collect a debt must cease. 
I am now employed and will be working full time and do not want to give up the home I worked so hard to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: Flagstar Bank, N.A.
State: MI

Complaint narrative:
In late XXXX XXXX I took out a home equity loan with Flagstar Bank. Among the papers I filled out was a request to have my payments automatically taken out of my bank account, and I provided a voided check. My first payment was due in XXXX and I made that manually. 

On XXXX XXXX I received a message from Flagstar saying it was urgent that I call them. Wondering if it was my loan, I looked online and saw that I had missed the XXXX and XXXX payments. I had no idea, I thought they were being auto-paid. I also had 2 late fees for {$35.00} each. 

I called Flagstar and they said that the auto-payment can take up to TWO MONTHS to go into effect. I was told that the loan officer should have warned me about that but " they do n't get trained right sometimes. '' At any rate, they said mine had NEVER gone into effect. I paid up my account and requested a reversal of the late fees. 

Today my credit monitoring alerted me that my credit score dropped 58 points! Flagstar has reported one missed payment. They 'll probably report the other one and my score will go down even lower! 

I have put in a request at Flagstar for them to REVERSE the reports of missed payments with the credit bureaus. I had great credit, I pride myself in not being late! 

1. My loan officer should have told me to continue making manual payments and monitoring my account until I 'm sure auto-pay has been implemented. 

2. Flagstar should have alerted me long before XXXX XXXX that I had missed two payments.

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 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, 2017, and  XXXX XXXX, 2017. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Reply to complaint # XXXX Thank you for your reply, I had not mentioned that the failure of XX/XX/XXXXpayment was again due to Wells Fargo. Please Check your records, the payment was made on time as I have from the very start of my mortgage. Someone from Wells Fargo placed a stop payment on my account back in XX/XX/XXXX, I was able to successfully submit my XX/XX/XXXX payment but for some reason my XX/XX/XXXX payment was blocked. I was notified by a Wells Fargo representative that my payment was due, that is how I learned of the stop payment. I immediately made the payment when I was informed of this situation and the stop payment was removed. Additionally, I am unsure how this relates to my complaint, but there is your explanation. I still do not know who or why a stop payment was placed or how one payment was accepted and the next was stopped.

Considering we are bringing up matters that have no relevance to my credit or credibility, I am happy to bring to light matter of Wells Fargo sending me another clients personal file. This file included all their personal information about their bankruptcy and financial hardship. While I am a man of my word and honest, I explained to Wells Fargo that I would not contact Mr. XXXX. My trust in Wells Fargo had been restored by Mr. XXXX making matters right, until I was witness to how private information is mistreated. I have no confidence that Wells Fargo has done what they can to repair my credit. This is a prime example of Wells Fargo 's sloppy attention to detail and my overall experience with each department. Mr. XXXX XXXX information attached exactly how it was sent to me.

Back to my initial complaint, while I am not a a credit expert I am aware of certain features available to make changes fairly rapidly. A third party company like XXXX could have resolved this matter within 24 hours. While Wells Fargo has corrected the other issues they caused, there is one that still remains, my credit. This matter has caused several issues to include hardship and having to switch to a one car family because I can not obtain credit for a new car. If the request to the credit bureaus were already sent once, what was the reason for sending twice? All the Credit bureaus are is a bulletin board in which information is posted and Wells Fargo is responsible considering they put it there.

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 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have never had an account open with this company. I have told them and disputed this before. I will not just give my money away especially for a debt that I did not consume I have disputed this already and received no help. Please help me in resolving this debt as it is not mine to pay for.

Company response to consumer: Closed with explanation