vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
NewRez is reporting a late mortgage payment during the 60-day time period after XX/XX/XXXX notification of Loan servicing was transferring from XXXX to NewRez. XX/XX/XXXX mortgage payment was made to XXXX on XX/XX/XXXX within grace period. After discovering payment was returned, we immediately made the payment to NewRez for XX/XX/XXXX and XX/XX/XXXX and future payments have been on time Subsequently, NewRez has denied my request for removal of escrow and reported a 30-day late payment to credit bureaus for me and my co-borrower, XXXX XXXX due to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
Dear Lender, It has come to my attention that lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Further the laws governing usury in my state are as follows : Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds XXXX percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds XXXX percent for transactions involving amounts totaling more than {$500000.00}. 

Your interest rates far exceed the upper limits of the statute. 

At this time I am requesting a return email acknowledging that my loan has been paid in full or canceled and has been removed from my credit report. 

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 

Please respond to this email with acknowledgment that my account has been satisfied in full. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. 

To date, I received a deposit of {$1100.00}, and have had 9 bi-weekly withdrawals of {$150.00} debited from my account. This results in a principal balance of {$1300.00}. This results in an overpayment of {$290.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$290.00} overpayment. A refund check of {$290.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 

Although I am not legally required to do so, I am willing to repay the principal balance of this loan.

To date, I received a deposit of {$750.00}, and have had 16 bi-weekly withdrawals of {$170.00} debited from my account. This results in a principal balance of {$2700.00}. This results in an overpayment of {$2000.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$220.00} overpayment. A refund check of {$2000.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected.

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan.

I must also inform you that I will be filing complaints with the XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
I have tried for the past six months with the company RELIANT FINL XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX to fix this issue that I already paid this account off I have sent them paperwork multi times I want this fix plz

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 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I am writing this complaint in regards to my Capital One Platinum Mastercard. 

I have been a customer of Capital One for nearly 7 years and I have NEVER been late nor missed a payment. I have made at least the minimum payment in every billing cycle and often times I paid more. 

I recently completed a balance transfer TO my Capital One account in hopes of being able to get a fair rate and/or offer since I have been offered them numerous times prior to the current financial situation. 

I have a {$6900.00} balance with Capital One as a result of that transfer and my credit limit is {$7000.00}. I am on XXXX as my sole source of income and I make just over {$1200.00} a month which I use to pay rent, utilities, medical and grocery. I also use about {$300.00} of that total for credit card debt. I currently have 9 credit cards and I have a high balance on two of them ( including Capital One ). 

I have worked VERY hard to obtain good credit and in hopes of avoiding any damage to my credit report I contacted Capital One in XX/XX/2020to negotiate a lower rate than the 20.4 % they were currently charging. With the balance that high and the interest that high my interest alone would be twice the minimum payment with the minimum payment at this time being {$69.00}. 

The person I spoke with at Capital One was working from home ( thats what I was told by the CS rep ) and stated that she tried to see if I had any offers on my account or if there was any lower interest offers or upgrades and she said she could not find any. I explained my situation to her and she pretty much just blew me off. 

I'll be able to make my next minimum payment but the interest will still eat up ALL of it and then some. Unless Capital One comes down from their " Tower of Greed '' and is willing to work with me in a fair and mutually beneficial way I will have no choice but to let the account become past due and charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I reached out to equifax several times regarding the errors on my credit report. 
Equifax is in clear violation of my Hippa rights as well as there is no contact information for the 2 collection items on my credit report. 

How am I even supposed to dispute this item or how did they verify without any contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
I received a notice from Johnson Mark LLC, XXXX XXXX XXXX # XXXX, XXXX, UT XXXX regarding XXXX  XXXX credit card debt. I lost my job and had no way to pay the debt. I moved to XXXX and informed the law firm that I was filing bankruptcy in XXXX & XXXX 2020, and they purposely filed a law suit in XXXX  where I only lived for 3 months. They knew I moved to XXXX   and I gave them the name of my bankruptcy attorney, XXXX XXXX office with the phone number. 

I believe this is a deceptive practice because they filed in a former state knowing I had moved and the new address was also on record with the credit agencies. This is deceptive because I told them I was filing bankruptcy, gave them the bankruptcy attorney 's information and they proceeded to try to file for a judgement in another state knowing I no longer lived there. 

Please send this information to XXXX XXXX as well because this is very deceptive and crooked. Johnson Mark LLC is a third party hired by XXXX XXXX who behaves in a deceiptive manner to try to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
some time on or about XX/XX/2019 XXXX XXXX XXXX gave a credit line XXXX and two it went up to XXXX, after get a bill for XXXX I agree to settle this account for XXXX XXXX XXXX XXXX accept the deal. and sold the account to company that i never did any business with. I send then XXXX.in XX/XX/XXXX XXXX with a Bal XXXX. a company call resurgent out XXXX SC send me an offer to resolve your account in one payment of XXXX XXXX.But I has already send XXXX but went I seen my XXXX credit report stated that this account is in collection by LVNV Funding for XXXX and put it on my credit report. that was not the deal. so I stop! there is a check on my desk now. ready to pay this XXXX XXXX, today but i want LVNV funding to remove this from my credit file. because i has I never sign my document with this company. i do not no any thing about them, I made the deal with XXXX XXXX XXXX  and not LVNV funding who purchase that debt. That XXXX XXXX XXXX have agree to accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
RMP Services is a collection agency for medical bills. I have been trying to resolve this by calling them multiple times but their telephone lines never work. It is against the law for medical bills to impact your credit score and be reported as delinquent. I have insurance and had insurance at that time and they have not allowed me to go through my insurance instead of paying the full amount which I should not because that is the whole point of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a notice from XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, UT XXXX regarding Capital One credit card debt. I lost my job and had no way to pay the debt. I moved to XXXX  and informed the law firm that I was filing bankruptcy in XXXX & XXXX 2020, and they purposely filed a law suit in XXXX where I only lived for 3 months. They knew I moved to XXXX  and I gave them the name of my bankruptcy attorney, XXXX XXXX office with the phone number. 

I believe this is a deceptive practice because they filed in a former state knowing I had moved and the new address was also on record with the credit agencies. This is deceptive because I told them I was filing bankruptcy, gave them the bankruptcy attorney 's information and they proceeded to try to file for a judgement in another state knowing I no longer lived there. 

Please send this information to Capital One as well because this is very deceptive and crooked. XXXX XXXX XXXX is a third party hired by Capital One who behaves in a deceiptive manner to try to collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've submitted dispute letters to XXXX, XXXX, Equifax and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Cashnet USA claimed that I signed a document that I never seen before. They forged my signature illegally. After paying my first payment, they informed me that none of it went towards the loan and as long as I was paying the minimum, nothing would be payed towards my loan. They claimed that I signed a document agreeing to these terms but I read every document I signed on and never once did I see anything like what they were stating. I told them that I would not pay them another dime because they are not scamming me. I would hire a lawyer before they scam me. The people there were very rude when I questioned them about it and told me that I had no choice but to pay them what they wanted me to pay or my loan will never be paid off. I was paying {$200.00} on a {$1000.00} loan. They are XXXX  and they should be shut down permanently before they scam anybody else!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I went to XXXX County to civil court to obtain records of an unlawful detainer that is reporting on my Transunion report. They had no record of the detainer listed. This item is making it hard for me to obtain a house and the information reported is not truthful.

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 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

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 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've submitted dispute letters to XXXX, Transunion, XXXX  and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA

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 2020-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've submitted dispute letters to Experian, XXXX, XXXX  and I have not received any responses and I am very upset and these items are damaging my score. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. I demand these items be removed from my file because at this point its a violation of the FCRA

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 2020-03-22 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: AL

Complaint narrative:
This report shall sever as the formal and last notice of my intention to file suit against Midland your organization. You are currently reporting two accounts to my credit file in the amounts listed above. This account is a direct result of the 2017 XXXX  Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission, this account is one of  them. I requested a full debt validation from your company, I have yet to receive any contact back. Legally you had 30 days to send me the following information listed below ; you have not done so. Please remove this information from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called my credit card company ( Citibank/XX/XX/XXXXXX/XX/XXXXAAdvantage Executive Master Card ) to ask for a deferment due to the Corona Virus Emergency. I explained that I am an XXXX  XXXX  and that I needed help/assistance over the next 60-90 days reading payments. I escalated the call to two different managers and was told both times that their company had no  programs in place to assist me and my only option would be to close the account.

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