vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: VA

Complaint narrative:
My son received an UN solicited debit card in the mail today ( XX/XX/2018 ) from Netspend. 
( issued by XXXX ). The fine print says that that he received the card/ " We received your name and address because you indicated interest in receiving offers similar to this one. '' My son did not/ has not done so.The additional fine print says " To decline this card offer and/or opt out of future mail offers from us, call XXXX, e-mail consumer XXXX, or write to : XXXX, TX XXXX. Please allow 30 days for processing of your request. '' Please advise as to my son 's recourse in this matter. 
I want to decline/ ignore this UNsolicited " offer '' but we do NOT wish to " play their game '' of having these scammers continue to bother us. 
Thank- you for your prompt attention and action on this matter. 
Sincerely : XXXX ( fatherXXXX XXXX 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 2016-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I have spent 3 years getting XXXX excuse after another as to why my forgiveness has not been granted. I was told paper work had a problem, it takes a while to process, keep asking for deferment, it is forgiven but takes a few weeks to show. Now they have XXXX other social security numbers attached to my name and said I was denied in XXXX which was news to me. If they do n't know who I am why can they talk to me and if my loan was denied why am I getting to defer my payments still. I learned this XXXX XXXX XXXX. I am afraid if I reapply this will start all over and they will drag it on again saying it is a new application

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Was told by XXXX nothing they would do as it was to old. Never went to any XXXX in XXXX XXXX Fl. When I went to one in XXXX XXXX I gave them both my XXXX card as well as my additional XXXX medical insurance. They accepted both and this covered all expenses. According to my insurance company if they accept insurance they must accept payment that is customary and not bill for difference

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
my property was lost on XXXX and someone found my driver license and my social security card and other information, my credit card and they charged my credit card. I had send the police report to all XXXX credit they do n't nothing about it. however, I fake this opportunity to address to you in order to get this resolve. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I have contacted Trans Union about a XXXXPublic Record being reported on my consumer report, I provided letter ( s ) and a copy of my police report and fraud victim identity theft affidavit in support of my dispute. The name of the creditor that reported the Public Record to Trans Union is ( XXXX ). I further advised Trans Union that when i reached out to the court they advised me that the information I 'm providing is not correct or not the same on the court records. Therefore someone used my name to file for this fraudulent Bankruptcy 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
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have contacted The Court, they said it was an computer error that reported me having bankruptcy for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The court said they did not verify or validated information, see attached letter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Starting in XXXX XXXX I disputed adverse information on all XXXX credit bureau reports. I also disputed it with the bank XXXX. The issue was that I was in fact delinquent in my mortgage up to 60 days from the period XXXX XXXX until XXXX XXXX. Currently the Transunion report shows 60 days delinquent on one period XXXX XXXX. It does not show a 30 day delinquency at any time prior to that which on its face does not make sense. I received a letter from XXXX in XXXX XXXX showing the account history and the date of first delinquency of XXXX. The letter is attached to this file and according to XXXX the proper information was provided in XXXX XXXX Credit bureaus can not report negative information that is older than seven years. The seven years starts on the date of first delinquency. The letter attached clearly indicates the date of first delinquency and that it was delinquent at all times until XXXX when a modification was completed. If Trans Union entered the information properly provided by XXXX the delinquent payments would not have been reported since XXXX, XXXX. I also attempted to deal with this by phone with Transunion but the customer service representative did not understand the rules and was of little assistance. The fact that it was not resolved in XXXX has created a hardship. We recently had an opportunity to purchase a home. However an attractive loan product that would have been eligible for was not available because of the adverse information only contained on the Transunion report. The mortgage FICO score using Transunion information was about XXXX points lower than the other two bureaus. It resulted in being denied that product because of its stricter requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RR Resource-Recovery
State: NY

Complaint narrative:
I cancelled my membership at XXXX XXXX. However they kept me as member for 4 more months. They sold my debt to collection company. Neither health club nor collection company did not provide me with any papers verifying my debt, membership status, payments etc. I sent multiple written requests to collection company asking to verify the debt and send me a breakdown but never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Premier Portfolio Group
State: IN

Complaint narrative:
They are saying they are collecting a debt for a payday loan. When I ask for a validation of the debt they say they have sent it, but I have not recieved nything from them. Also I have told them it was included in my bankruptcy in 2013 and I have told them to contact my lawyer and to quite calling me. They calling me several times a day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MN

Complaint narrative:
Amount owed is much less than stated. XXXX must also take into account the they they had preached the trust and agreement between them and i. Therefore forced me to incurre various charges to move to a new carrier. Therefore ammount requested is wrong and baseless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Amsher Collection Services, Inc.
State: OR

Complaint narrative:
I have a collection dept through Amsher Collections that I learned about while checking my credit score. I did not recieve any notice at all. The dept originated with XXXX. I could n't get any information from either place. The Dept is for XXXX and I do n't know what it could be for. It might be for a reciever box which I never got.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: MI

Complaint narrative:
Please help us save our home.We paid {$6000.00}, that was originally sent to XXXX XXXX XXXX, l paid them thru XXXX XXXX. When asking for a loan modification. 
l do want the ability for the modification loan and especially my {$600000.00}. since my housing counselor,, @ XXXX., has told me should have never been taken from me. l need an answer soon please, since the redemption period is XXXX. 
XXXX # @ Selene Finance Sincerely, XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: CA

Complaint narrative:
To whom it may concern : After several years I am finally able to refinance my mortgage. In requesting my payoff there was a " corporate fee '' /escrow fee added to my outstanding mortgage balance of {$11000.00} that according to the current loan servicer XXXX XXXX was transferred from Selene Finance XXXX XXXX/XXXX/2011. 
I recall I used to pay my own property taxes and insurance directly, when my original loan originator XXXX XXXX sold my servicing to Selene they began to impound my property taxes and insurance. There was an arraignment of escrow payment to cover the amount that was paid out by Selene. 
I want a complete breakdown of items that derived this " corporate/escrow '' of {$11000.00} balance that was transferred to XXXX XXXX. I have no recollection as to how this substantial amount was derived. This is a substantial amount of outstanding fees. It has been very frustrating trying to identify where or how they were accrued. I would appreciate all your assistance in providing proof of how this amount was accrued, thank you. 
How do these small mortgage servicing company 's get away with adding such large amounts to outstanding mortgage balances without informing the borrowers. We are extremely upset that our outstanding loan balance is {$11000.00} more than we had anticipated, our new payment is affected etc. Very frustrating trying to track down the disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc.
State: NC

Complaint narrative:
Carter-young states that I owe XXXX to XXXX XXXX XXXX XXXX When I asked for validation of the debt they sent me paper statement for XXXX XXXX account. They highlighted my " typed '' name signature to the bottom of the page. They put this on my credit report and is ruining my credit report and score. I want this company to remove this derogatory information off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: TN

Complaint narrative:
I have been informed that our home mortgage have not been properly handled during the modification back in XX/XX/XXXX. My wife lost her job in XX/XX/XXXX due to being laid off. Once we discovered she lost her job we immediately call XXXX XXXX XXXX about our income change. That 's when we decided to go through the modification process. We never stopped making our payments. We did not have the income to pay the full amount so we paid half the mortgage payment to keep some form of payment documented. XXXX XXXX XXXX said the amount of the money we were paying would be added to the end of our loan once the modification was complete. The estimated amount of money that we paid toward our loan during the modification process was est. {$13000.00}. XXXX XXXX XXXX dragged this modification alone for over 2 years or more. We have been thinking about selling this home and buying a new XXXX but discovered a few months ago that we are upside down on our mortgage. Everything we have ever paid on our loan was not applied to our loan. When we finally received our final notice of the amount of mortgage payment change the cost of the loan had went back to est. {$140000.00} it was like we never paid anything into our loan after being in the home since XX/XX/XXXX. The loan amount went back up over the amount we paid for the home. We knew this could not be right. Our loan has been now been sold to Selene Finance, who do n't even hold our note, they only collect. When we started questioning our loan a few months ago, Selene reported to us that we may need to investigate our loan because we have been ripped off. We have lived in this home for 10 years now, it do n't even look like we paid anything toward our mortgage. We ca n't afford an attorney, so we are in need of some help on how to move forward with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CHECK INTO CASH INC.
State: GA

Complaint narrative:
This is a Title Loan for my vehicle that I have a title for. I have the receipts of payments and the amount financed is not moving downward. I have never been late and paying more than the minimum amount due. I believe this title loan is a big rip-off. I just need another opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
MY NAME IS XXXX XXXX XXXX. This company, or law firm, Eaton Group Attorneys LLC, is taking me court for XXXX, and I do n't know what they 're talking about. That was on my credit report, but these lawyers, just started sending me paper to pay a debt of {$1700.00}. I only get XXXX. from SSI, I could hardly pay my bills.The marshal came here with a summons for me to answer them, and I did. I went to the city courts, and got the Clerk of Court to stamp it she sent it to them, and I did too. After that they starting sending me papers saying that the judge had render in there favor, and they had wrote up a payment plan. This is what been going on since, I answered them XX/XX/XXXX. Now they have a Motion of Memorandum to compel discovery. They are saying that pursuant to rule 10.1 of the local riules of court a conference regarding some outstanding discovery on XX/XX/XXXX, and it was scheduled on XX/XX/XXXX and that I did not participate, well, I was most certainly did n't know anything about that of that. These people never contact me by telephone, after I answer them, they kept sending papers, The last one they sent, before I got summons to be in court on XX/XX/XXXX. has a bill from XXXX dated XX/XX/XXXX saying Minimun due {$570.00}, and New Balance {$1700.00}, That do n't show what I got. It have payment due date on XX/XX/XXXX.Then at the bottom of the page, there is a Payment certificate, look like something they printed out. I 'm not in any shape financially to pay these people anything. XXXX emailed me to get something with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Collection Services, Inc.
State: CA

Complaint narrative:
There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to Automated Collections to the current holder, XXXX. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. Automated Collection/XXXX is not only reporting this inaccurate account on all three of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from Automated Collection, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by XXXX. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor XXXX ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both Automated Collection Inc. and XXXX again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an XXXX staff member, informed me that XXXX sent an email on my behalf to Automated Collection Services on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I own a XXXX wanted to transfer money from XXXX banks to Huntington so it was more convenient than my small town banks. Was told to give irs ein which is under my ss # she said no problem we can look it up that way. Now today when I go with everything she asked for, and I have a witness, she said no that even since ein # has been ur ss # since 1998 they demand me to change it ... XXXX!! Huntington you can praise your XXXX Indiana branch for losing you thousands of dollars, but I 'm sure that does n't effect your highway robbery business ... ..pissed as XXXX customer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL

Complaint narrative:
The company representative called my employer and left a message asking for me, in regards to collecting a debt which had already gone to litigation with the SAME company back in XXXX/XXXX/15 and had been voluntarily dismissed. The complaint was dismissed because the statute of limitations had passed and for lack of privity. They are illegally attempting to collect a debt they have no grounds on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Constar Financial Services, LLC
State: FL

Complaint narrative:
Dear Debt Collector : I will like for you to cease and desists all communication with me, both written and verbal. 
You are now the XXXX or XXXX company that has contacted me regarding this a debt with XXXX. I have several vehicles with XXXX all in good standings. The vehicle in question was involved in a rollover accident and the insurance paid the claim. I have provided the information multiple times and consider this matter closed. 
I asked him to stop calling me and he became hostile. I asked for him to do some research and he told me it was my burden of proof. I explained to XXXX XXXX that I had already provided this information multiple times and it seems that they stop for a little while and then someone else starts calling. 
You are also calling my CELL PHONE and you do not have the right or the permission or my consent to call me at this number. XXXX called me multiple times XXXX at XXXX and again at XXXX pm on XXXX/XXXX/16. Is this harassment?

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