vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
Atlantic Credit and Finance has called repeatedly from a blocked number ( No Caller ID ) without leaving messages. They have called and spoken with my family members multiple times, though it is illegal to call more than once. They are harassing myself and my family members and to date I have received nothing in the mail alerting me to this debt collection. They call multiple times a day, mostly during the work day when calls can not be answered, with No Caller ID and leave no message with contact information to return the call. I only know it is them because my brother was able to answer the call from No Caller ID and they immediately told him who they were with ( eluding to the my owing of the alleged debt ). The first time they called, he asked them not to call again, but they did. To date, I am not even sure what the original debt is.

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 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
TIme sensitive!

Auctioning off my home on XX/XX/XXXX in XXXX XXXX, SC I missed the foreclosure hearing. XX/XX/XXXX according to XXXX Clerk o crt. Since XX/XX/XXXX i was summons to answer complaint. Since the action started, my Mortgage co has denied the remodifications plans. On XX/XX/XXXX I sent my written RESPA requests to assist me in figuring out how to resolve my foreclosure. On XX/XX/XXXX i received their acknowledgement of the requests and would be sent to me assurances.

Later in XX/XX/XXXX, i began receiving info from a debt collector/attorney About how i may want to start getting out of the house. Some of there mail came certified, some came regular mail and some never made it to me. I didnt understand the aggressiveness of the debt collectors mail. Also their strange request.

With the threat of the impending foreclosure action starting back up I needed my " RESPA '' questions and audit to determine my disposition - plan of action if needed. I then learn of my missed court hearing and have been in SHOCK.. ive informed the clerk of courts office and the Plaintiff -Nationstar/mr cooper.

I was not afforded my rights to a hearing. I feel there was a deliberate plan by the DEBT COLLECTOR 'S to have this foreclosure hearing w/out the defendant present. NATIONSTAR/mr cooper choice of collectors of debt should be in question.

I NEED HELP FAST. XX/XX/XXXX HOUSE UP FOR AUCTION. PLEASE POSTPONE!

Please help me. All i need is a chance to get my respa requests answers reviewed and then if necessary, auctioning of my home. 
XXXX XXXX. XXXX XXXX XXXX XXXX PLEASE AND THANK YOU. Urgent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have made several attempts and spoken with the debt collection agency and credit bureaus. Notify them that I was a victim of Identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: AK

Complaint narrative:
I cleared a debt that was owed to another apartment rental company that my brother and i stayed at, i had a dispute with that apartment company because they had a cleaning bill i did not believe i owed, but i have paid that bill, as it was only 300 or so dollars, but upon further inspection, the rep whom took my payment for that previous balance owed, noticed something else on there, something for another apartment complex that my brother stayed at, i did not stay there, my brother did and because he was on my account with the previous apartments we stayed at together, i assume they just thought they could just put this on me now that my brother is deceased.

i contacted XXXX XXXX XXXX on XX/XX/2018 in regards to this, the stated they sent IQ data information regards to getting this taken off my credit report, XXXX XXXX  sent information to IQ data to have this removed and i got a letter from XXXX XXXX to show other apartments to let other places know that i do not owe a balance at XXXX XXXX no one is telling me how long this process takes, as it only seemed to take 5 min to attach this debt to my name, it should take just as long to have it removed in my opinion because before i paid my previous debt this was not even attached to my name.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: OH

Complaint narrative:
I can't get a straight answer as to what I actually owe. Each number gives me a different answer, each website also different numbers. None show correct 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 2018-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: 77 Elite
State: AR

Complaint narrative:
On XX/XX/XXXX I called a number in which I found on an old department of student loan statement. 77 Elite also known as XXXX XXXX XXXX answered the phone. I spoke with XXXX XXXX who told me that the company would assist me with getting out of default with my loans, prevent the IRS from garnishing my income tax refund, and would set me up in a program known as the Revised Payment Plan. Under this plan, XXXX informed me, that I would pay approximately {$220.00} in principle payments for the next 10 yrs ( 120 payments ), and that after the 10 yrs is up I would be eligible for another plan known as a teacher loan forgiveness plan which would wipe out the remainder of my federal student loan amount on the principle, interest and that collection costs and fees would also be removed at the end of the 120 payments. XXXX stated all this would be done for a small fee of {$920.00} which was paid by me in three increments for the month of XXXX, XXXX, and XXXX. 

I called the XXXX XXXX XXXX XXXX, XX/XX/XXXX and was told that they have never heard of the company. I called the company and was told they have been around for many years and they urged me to fax in my limited power of attorney form. Yesterday ( XX/XX/XXXX ) 77 Elite/XXXX XXXX XXXX   also told me that my loans were being controlled by a collection agency known as XXXX XXXX XXXX XXXX XXXX and that I was accruing $ XXXX/mn in interest fees. 

Yesterday, after many called to the Department of Education, the Department of Justice XXXX XXXX XXXX, and the Department of Justice 's US Attorney 's Office I was told by XXXX XXXX ( XXXX ), the attorney that has my student loan case, that my loans are NOT being held by a collection agency. After my conversation with Attorney XXXX, I called the Department of Education to ask if 77 Elite or XXXX XXXX XXXX makes student loan payments for students. I was told that they have never heard of the company. As a result, I would like my {$920.00} back and this company exposed. 

Thank you for your support, 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 2018-05-30 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
There has been several unauthorized charges on several of my capital one credit cards that have been brought to my attention. Including unauthorized auto pay that keep getting activated without my consent. I have contacted Capital One about issues with my accounts and due to long delays haven't been able to speak with a rep. They sent a {$110.00} auto pay when I cancelled the auto pay back a few months ago. I am requesting closure of all of my accounts with them and a fraud investigation to be opened as some of the fraudulent transactions are almost a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018.. 
I did not receive it. 
May I have a copy of the application filled out online to get this credit 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 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optimum Outcomes, Inc.
State: PA

Complaint narrative:
This debt appears to be the result of either identity theft or fraud. Consumer has no knowledge of this debt and has attempted to get additional information from the debt collector about it. This matter has also been reported to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: NY

Complaint narrative:
My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late

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 2018-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Property tax exemption was approved XX/XX/XXXX by City tax assessors office. 

Loan was transferred from XXXX to Freedom Mortgage on XX/XX/XXXX with an escrow surplus. Made numerous phone calls to XXXX prior to transfer of loan, but to no avail. 

XX/XX/XXXX emailed Freedom Mortgage Customer service regarding escrow refund. XX/XX/XXXX received a generic email response referring us to " Your Loan Transfer - FAQ '' on their website. 

XXXX with Freedom  Mortgage representative on XX/XX/XXXX & requested escrow refund, in amount of {$5100.00} -- she asked we send proof that we were tax exempt - emailed copy of tax exempt letter. 

XX/XX/XXXX Spoke with Rep Id # XXXX in regards to tax exempt letter submitted - said target completion date was XX/XX/XXXX. 

Spoke with Rep. Id # XXXX on XX/XX/XXXX, notes per escrow dept ... '' our research found that your account is not being escrowed for your property taxes, but for your homeowners insurance ''. Rep. said that escrow analysis can only be run within 90 days of acquiring loan. 

Called back on XX/XX/XXXX - Rep. Id # XXXX, says since they acquired the loan, escrow analysis could be requested at 60 days. Rep ordered analysis, said the target completion date XX/XX/XXXX. 

XX/XX/XXXX spoke with Rep. Id # XXXX, claims pending tax research and unable to do escrow analysis at this time. - - - - - Requested to speak to supervisor ... ID # XXXX. Supervisor said that escrow was done on XX/XX/XXXX BUT had not been " downloaded in the system ''. That it may take a few weeks. 

In a nutshell ... getting the run around, Freedom Mortgage holding our money for no reason and seem to be stalling on processing a refund.

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 2018-05-30 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
My wife tried to book our honeymoon to XXXX XXXX thru American Express Travel. They booked to XXXX XXXX XXXX and attempted to arrange travel. AMEX Travel was unable to book flights with reasonable layover. My wife instructed them to cancel the trip. On my XX/XX/XXXX AMEX statement I received a charge of {$11000.00} for the hotel. I called AMEX and they said we were inside the 30 day cancellation date and there were no refunds. I told AMWX that we would go on the trip if they could arrange airline travel. They said they would investigate it, but it could take several months. The XXXX XXXX did refund 50 % of the charge or XXXX. The reservation dates came and went. several months later they said they would not reverse the charges. I cancelled my AmEx card after 30 years. They continue to call me regarding payment. AmEx should take responsibility for the mistakes of their sister company AmEx Travel. They are policing themselves and trying to make me pay for something I didn't receive and was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
i contact upgrade today XX/XX/XXXX XXXX about the amount of a discrepancy on my account. ive been paying my balance every month since i open the account. ( XXXX ). ive made 8 payments, XX/XX/XXXX {$540.00} {$350.00} Principal {$190.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$360.00} Principal {$180.00} Interest XX/XX/XXXX {$540.00} {$370.00} Principal {$170.00} Interest on XX/XX/XXXX i wanted to make an extra payment to bring down the balance quicker and pay my loan off at in a short amount of time. but to do so you have to call it in which i did. after, the next payment which should have been automatically removed from my account on XX/XX/XXXX wasn't. so i called in to have the auto payment removed and paid. it was done. ( XXXX XXXX XXXX ) the next auto payment was supposed to be taken on XX/XX/XXXX it was not so i called it in again to have it fix and paid. ( XX/XX/XXXX XXXX ) and notice the interest was not being taking out and that there must be a problem i don't want to be penalized in the future for the mistakes upgrade are making, and was told on the phone it was ok the balance for the months are satisfied and i would not be penalized and would bring this to the attentions of management. mind the fact that the two payments i made after XX/XX/XXXX don't show up on there site but it was removed from my account and calculated in the balance. so the balance now is XXXX so the auto payment was not taken out of the account again. and i call XX/XX/XXXX to have the payment taken again. ( XXXX XXXX {$61.00} Principal {$480.00} Interest ). so when i called about the problem that almost all of my money was taken in interest and only XXXX was taken to principal. there is no way the interest should be that high. what there trying to do is basically charge me back all the money they miss because of their plenty of mistakes. interest is calculate daily for 30 days which a payment every month would reset that for the next 30 days. i did the math and there trying to changer back almost 3 months to cover their mistakes. after telling me i wont have to pay for that the first time. i i knew better i would have never made the extra payment or better yet take the loan from this company. and when i called to settle this matter one Representative told me one deal where she could get it down to XXXX " give or take '' and the supervisor tells me theirs nothing she could do so who do you believe because obviously their trying to cover for there entire groups mistakes. i even had to contact XXXX XXXX because they were reporting the wrong balance and they don't show the amount i paid for the two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: NY

Complaint narrative:
My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late

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 2018-05-30 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: NY

Complaint narrative:
My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX  XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
My name is XXXX XXXX I have a loan with Freedom Mortgage I have been making overpayments on my mortgage and they consistently have been applying the payments to future interest instead of principle. 
I have contact them several times over the phone, but they do not seem to be changing their process or it keeps reverting back to future interest. 

I feel that I am being defrauded and I suspect they are doing this to many other people. 

I copied my statement. Please note the " Interest Paid to Date '' is far into the future. 

Its conveniently buried in the statement.

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 2018-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPL Recovery Solutions
State: MO

Complaint narrative:
Today XX/XX/XXXX XXXX XXXX from JPL Recovery Solutions, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: OH

Complaint narrative:
Accounts with XXXX XXXX are reporting as closed. 

Student loan payments are not being reported at all Other credit card accounts are not showing or showing as closed. 

Causing me not have a score from them

Company response to consumer: Closed with explanation