vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express states that I opted in to a Pay Over Time feature on our AMEX in XX/XX/XXXX. I do not recall ever having the process explained or opting into the service. This " Service ''  automatically routed charges of more than {$100.00} to a separate hidden account that does not show up on the Statement or Payment tabs. AMEX then charged us {$1000.00} in fees on the Pay Over Time account between XX/XX/XXXX and today. They continued to route purchases over {$100.00} to this account so we were always paying little bits of the charges and thinking we were paying the whole balance. When I paid the statement balance I assumed that meant I was paying everything we owed to Amex but it didn't include the Pay Over Time balance. They hide all mention of Pay Over Time on their website so if you aren't watching closely you never notice the interest charges. I complained to the company but they said there was nothing they could do. I cancelled Pay Over Time and immediately there are little ads for it all over the account page when I log into americanexpress.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: NATIONSTAR MORTGAGE LLC
State: AR

Complaint narrative:
NATIONSTAR FAILED TO FURNISH US A LIEN RELEASE FOR SAID PROPERTY AND MUST NOW CEASE ALL CREDIT REPORTING AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jormandy, LLC
State: VA

Complaint narrative:
I had an old loan 8+ years old with XXXX XXXX . The account went to a repossession due. They would call my job, and family members constantly on a daily basis, even though I told them I could not receive calls at work. I also told them that my Family has nothing to do with the debt and to stop calling them. Approximately 1 year ago, I received information in the mail that XXXX was in a class action lawsuit due to violating the FDCPA and FCRA for calling me and thousands of other clients excessively. The were notified by the US District court to cancel all debts for clients included in the class action against them for excessive robo calling. What they decided to do instaed of following the courts ruling was to sell the illegal debt to a collection Attorney by the name of Jormandy at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, VA XXXX. Ph # XXXX. I told them the debt was noncollectable due to the courts order, but they ignored me and obtained a garnishment against me anyway. This is 100 % illegal, and I have found out on the internet that XXXX and this company have done this to who knows how many people. They have no legal right selling debts that the curt mandated are noncollectable. I want my money back and this off of my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CASHCALL, INC.
State: CA

Complaint narrative:
In XX/XX/2018 I took out a {$3100.00} personal loan from Cashcall. The terms were {$340.00} per month for a duration of 47 months.The agreement states that there is no penalty for paying more than the monthly amount. So in XXXX I made the first payment of about {$200.00}. In XXXX I made the required {$340.00} plus an additional {$1500.00} to cut the loan in half and lower my monthly payments. To my surprise CASHCALL CHANGED THE TERMS OF THE LOAN WITHOUT MY CONSENT from 47 months to 7 months and they are refusing to adjust the monthly payment to the lower amount now owed. So I refused to make any payment until my account is corrected or until they abide by the terms of the agreement. I received a letter / email from their legal team asking me to agree to a modification of the original agreement. I declined. Now they are reporting me as delinquent and ruining my credit. These personal loans are insanely expensive due to the high interest rate. But by paying off a big amount and keeping a low payment, the account can be a positive boost on a credit for the remaining time of the loan. So this loan could have been a positive thing for me. Now it's turning into a nightmare and ruining my credit incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SUNTRUST BANKS, INC.
State: AR

Complaint narrative:
This was a secured credit card where i upload money to use. with unexpected fees some how i owe on a secured card and they reported this to my credit report. 

Can this error be remove from my report? I'm looking for a resident and this is affecting my move. 

Thank you

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 2018-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CarMax, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I recently refinanced my XXXX XXXX XXXX ( VIN : XXXX ) through XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX. 
ACCOUNT # XXXX Their story is that they mailed a payoff to XXXX XXXX XXXX, but CarMax will not tell me anything about it, saying they have not received it. Their phone operator and the literature from both CarMax and XXXX XXXX indicate that the process could take up to several weeks, which is absurd. I believe that CarMax is delaying the process in order to collect more interest on the loan before actually doing the payoff. It simply does not take longer than about three days for a first class letter to go anywhere. Essentially, I think CarMax is stealing my money every day they do not process the payoff.

My CarMax Account number is : XXXX I believe I have spoken with the Georgia office : : XXXX XXXX XXXX Attn :  Customer Service XXXX  XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have contacted Navient on many occasions to no help, I have requested a supervisor and have been denied, I have requested proof of my co-signature and still nothing. I have proven to them that their lack of due diligence in the loan origination has lead to years of credit damage and financial damages to me. Still I have nothing, the only request I had of them is to remove me from a loan that they do not have any proof of my signature since I was serving my country in XXXX when this loan was originated, still they refuse to even escalate this, costing me thousands of dollars in higher interest rates due to my lower credit. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
Received 2 letters from same creditor, stating pay by a certain date, or legal action may occur. I receive ALL of my income from Social Security, and the VA, which is EXEMPT from garnishment, with the exception of federal debts, or child support. This is in regards to credit card debt, and I have been assigned a federal fiduciary, which further protects me from debts. I am in a forbearance agreement with my mortgage company. I am currently battling XXXX XXXX XXXX, to which I prefer recovery, instead of stress, from debt collectors. I also suffered a natural disaster on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
After my husband passed away in XX/XX/XXXX and my chronic health problems for 3 years, I fell behind on my mortgage payments between XXXX and XXXX. I applied and was approved for a loan modification in XX/XX/XXXX. I was approved to start making trial loan modification payments on XX/XX/XXXX in the amount of {$1400.00}. The trial loan mod payments would continue until I received a permanent loan modification. I made the " trial loan modification '' payments every month from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX, the mortgage company informed me that I needed to get court approval as the executor of the estate of my deceased husband and my deceased grandmother in order for the loan modification to be put in my name as executor of the estate of my husband and grandmother. Thus, I had to start a probate process and informed the mortgage company that it could take several months before the Court approves of this action as an existing Probate has existed since XXXX when my mother, who is now deceased filed the probate for the property that I am an heir to. I sent the mortgage company the last will & testament and other documents illustrating that Im the heir to the property and the wife of the deceased person on title. Although I continued to make the trial mortgage payments and unbeknownst to me, the mortgage company continued to accept payment and initiate foreclosure proceedings on my property at the same time. In XXXX I was told that I dont qualify for a loan modification or any foreclosure alternative because my income wasn't sufficient. However, I was already in a trial loan modification and making payments on-time every month. Next, I received a letter dated XX/XX/XXXX stating that I didn't qualify for a loan modification because my mortgage didn't qualify for any loan modification options. I faxed an appeal to both denials on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Shellpoint and XXXX XXXX Foreclosure trustee sold my house at an auction for {$320000.00} to a 3rd party investor

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-19 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: TX

Complaint narrative:
Received response to my CFPB complaint against XXXX XXXX XXXX about account reported on credit files. XXXX investigated and determined the account is not mine and is fraudulent. 

Follow up to Complaint against Equifax CFPB # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: AR

Complaint narrative:
XXXX FAILED TO FURNISH US A LIEN RELEASE FOR SAID PROPERTY AND MUST NOW CEASE ALL CREDIT REPORTING AT ONCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: AR

Complaint narrative:
XXXX FAILED TO FURNISH US A LIEN RELEASE FOR SAID PROPERTY AND MUST NOW CEASE ALL CREDIT REPORTING AT ONCE.

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 2018-07-19 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: GA

Complaint narrative:
Over the last 3 or 4 months certain lenders/companies can not access my equifax credit report. I've called them multiple times and it's always the same. Theres no freeze on my report on their end. They advised me to tell the potential lender to call the company directly and request it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AR

Complaint narrative:
I am not aware of any collection from XXXX XXXX XXXX. this is an error i do have insurance with my employer and all deductibles is met.

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 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: GA

Complaint narrative:
I paid in advance for a one year subscription to The XXXX magazine. The sent four additional publications after my subscription expired without my authorization and did not advise me of what they were doing and did not give me the opportunity to cancel their unauthorized additional publication mailings.

The Nation turned me in North Shore Agency ( NSA ) collection to collect the {$29.00} they claim I owe the and now NSA is threatening action.

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 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Attached is the document filed with the Police dept, Last year I had Thief in my bank account and some one tried to take out a XXXX card. 

Police reports, XXXX XXXX and documents concerning this matter was Faxed to all three credit reporting agencies. 

I have also spoken with all three agencies personal about this matter. 

Yet, Experian, XXXX and XXXX continue to sell my personal information to marketers and promotion. I have OPTED-OUT with all agencies. 

I shouldn't have to do this every year, All three agencies have allowed access to my credit reports from any one. I haven't signed any consent to have my Credit report viewed by ANY COMPANIES in the past since the Thief in my accounts. 

The credit reporting agencies are TOTALLY responsible for the THIEF in my bank accounts and the damage that Ive had occurred. The time and effort that I had to go threw to straighten out the damage that could have been done to my Finance.

The credit reporting agencies have continued to ILLEGALLY sell my personal information and supply my this to companies without my consent.

The credit reporting agencies expect me to pay them to protect my personal information and make additional monies on me Its not enough that they sell my personal information now they want me to pay them to secure this data. 

The credit agencies have gotten away with having their data base access and not taking responsibility for this bad behavior. After the damage has been done they still continue to get away with this Illegal action and make money on the consumer. 

The credit reporting agencies should OPT me out of all marketing and promotion. I have done this in the past and shouldn't have to do this every year. 

The credit reporting agencies continue to put me and my personal finance in jeopardy, the only people that should have access to my personal credit should be my creditors. And who ever I give consent to and I haven't done that at all. 

The credit reporting agencies are responsible for the THIEF in my account, I should have a list of all the marketing agencies that my personal information have been sold to and hand over that list to the Police to continue their investigation.

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 2018-07-19 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: ERC
State: FL

Complaint narrative:
XXXX XXXX inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XX/XX/2018, I noticed this inaccuracy and immediately sent a letter to Enhanced. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary In their response and letter dated XXXX.18, ERC provided a mere statement that lacked veracity. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. 

ERC must immediately delete this erroneous entry from all of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Credit report states that XXXX XXXX credit card was closed at customers request. 
I did not request it to be closed. Actually I never asked for it to be reopened. I quit using it maybe 8 to 10 years ago when they began charging a yearly fee to receive rewards on it. Other companies did not do this so I started using a different credit card and XXXX XXXX issued me a different card with no rewards. I've never used it either but it has always been open and still is. Then a couple years ago the original card showed up again. Now about 4 months ago my credit report says that the old card was closed at the customers request. I never requested it to be closed or even be reopened. Also it was showing that I had {$1.00} in rewards still on it which naturally disappeared also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I subscribe to XXXX XXXX XXXX credit monitoring. I pay {$24.00} a month dating back from XX/XX/XXXX. Recently, while doing my online bill paying, I noticed that I have been getting doubled billed for same service. XXXX XXXX XXXX credit monitoring service has also been charging me {$19.00} a month dating back to XX/XX/XXXX totaling approximately {$200.00} as of XX/XX/XXXX. Experian said that account had only been acessed 2 timez, both in XXXX when opened. I have no knowledge of opening this XXXX XXXX XXXX XXXX XXXX, especially since I already subscribe to the service. 
I spoke with a supervisxor at experian ( XXXX # XXXX ) who stated they would only refund me 1 month of subscription. Obviouslly I feel this is unfair since I have no knowledge of this account, nor have I ever logged into it. It makes no sense to pay double for same service. I tfied explaining and reasoning with the Experian supervisor to no avail. 
I have since cancelled both accounts due to the treatment I recieved. Im just requesting the {$19.00} X 10 months, {$200.00}. 
Thank you 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 monetary relief
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: TN

Complaint narrative:
I lived in the XXXX XXXX XXXX and one night my boyfriend held a loaded XXXX to both my head and my toddler at the time and we had to flee the apartment. He was XXXX, but then later released but I had a temporary order for our safety to not go back to that apartment and I do have a police report from that evening if needed. I found somewhere else safe to live that he did not know about so my child and I would be safe. I explained all of this to the manager that worked there at the time and she understood and said she would not hold me responsible for the apartment lease ( which was in both of our names ) due to this extreme situation. Then a couple months later it was on my credit as a joint unpaid amount and I called the apartment complex a couple times and once I was promised a call back and never received one and another time the woman who picked up said she did not know about the situation and could not help me and now it is in new management and completely new staff.

Company response to consumer: Closed with explanation