vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I have an adjustable Rate Mortgage with Nationstar Mortgage , Inc. ( Loan # XXXX ) that will be changing in XX/XX/2017. I received a letter from Nationstar Mortgage, INC. telling me that my new rate would be 4.125 percent. Per our contract, 4 ( C ). Before each Change Date, the Note Holder will calculate my new interest rate by adding TWO & ONE-QUARTER percentage points ( 2.25 ) to the Current index. the Note Holder will then round the result of this addition to the nearest one-eighth of one percentage point ( 0.125 ). Subject to the limits stated in section 4 ( D ) below, this rounded amount will be my new interest rate until the next Change Date. I was told by three different customer reps that the Current Index that Nationstar used was 1.80. If my math is correct than 2.25 + 1.80 = 4.05. If 4.05 - 4.00 = .05 and 4.125 - 4.05 = .075, than 4.00 percent would have to be my new interest rate. I received a call from XXXX in there Research Department. I have called her back twice and emailed her and have received no response. This is a simple equation that a small child could figure out and they are just stalling. I 've never had a problem with them before when it came to a change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX Apartments continued to charge me after I moved from their property in which they filed an eviction on me for late rent. Rather than have an eviction on my record, I decided to move out and found another place to move in on XX/XX/2015. XXXX continued to charge me through the month of XX/XX/XXXX even though I no longer resided at the property. When I received documentation from them on the balance due, I immediately inquired about it to the property and they claimed that 'because I did n't turn in the keys ' that they were still charging me. I provided them with a copy of my new lease and the property manager advised that the only way for them to stop billing me was to return the keys and sign a form even though THEY were the ones who initiated the eviction process. After looking through the running charges, I noticed that they not only charged me for rent and utilities after I moved out, they also charged me to replace the carpet although we never did a move-out inspection nor did they ever provide any information on anything in the apartment being damaged enough to replace and subsequently charge me for. Based on the statement, XXXX illegally charged me for the apartment for anything after XX/XX/2015. They unlawfully swindled me into believing that the charges were valid and that the only way to close out my lease was to return the keys when in fact they replace all locks after a tenant moves out. They also had replaced someone into my apartment at the same time they were charging me resulting in double revenue illegally. I have requested this be investigated further as they are reporting that I owe {$7000.00} in unpaid charges for the apartment, however, {$6000.00} of that amount is due to overcharging and supposed utility bills that the property never provided bills for.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 've called and sent a letter to TransUnion about inaccurate inquiries on my credit report. Every time I call, I 'm told they will be on my report for two years and that any company can put an inquiry on my credit report. I then informed them that I 'm aware that you should n't be able to put an inquiry on my file without me authorizing it. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; A firm offer of credit, insurance, employment and or court ordered. I 've received a letter today stating the inquiries will remain on my credit report for two years. I did not authorize these inquiries as to why I 'm disputing them.

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 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Account Brokers Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX, XXXX from Account Brokers contacted me after I moved to Iowa and informed me of a bill regarding XXXX, and she was very rude, which I do have recorded stated that there is a judgement against me and stated that she has put a warrant out for my arrest. She put me in tears before she hung up. I do have this call recorded. 
Today XX/XX/XXXX, I have n't heard from this lady in a long time. She contacted my job and tried to be so sweet, I informed her not to contact me at work and she stated I thought you were moving back to Colorado, I said I never said I was moving back to Colorado and she stated yes you told me that when I last spoke to you back in XXXX, I said no, and she argued that for a minute and I said I do remember talking to you and you were very rude to me, so goes " are you kidding me! '' I said yes you were, she then proceeded to state that I do have another account for XXXX and how would l like to take care of it. Said I cant make payment today and will contact her in two weeks. She started getting very rude and I said I am sorry, but I am at work and will call in two weeks, I asked her to email me the information so I could look at it and she stated NO, I can not and will not do that. I said then I will call you in two weeks and speak to a supervisor and I hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Describe what happened so we can understand the issue ... 
I have been disputing multiple fraudulent accounts on my credit reports with Experian, XXXX and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent Experian a letter on XX/XX/2017 asking for them to investigate several items they were reporting. The other XXXX credit bureaus had admitted mistakes and deleted things so Experian, were they to have done their jobs, should do the same. 
But they have ignored me and did not write me back.

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 2017-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Recovery Systems, Ltd
State: MI

Complaint narrative:
I have recieved over 40 calls to pay a debtthat I do not owe to a XXXX company. The collection agency is Nationwide Collections. The debt is {$46.00} and they said they would settle for {$26.00}. I do not owe anyone any money. My credit score is in the XXXX and I pay all of my bills. I am tired of gettng these calls, day after day. The phone number is XXXX. XXXX, I think, is a company that sells face cream online. That order was cancelled because I sent the product back to them. So why should I pay them for nothing. I never ever heard from XXXX for a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Automotive Management Services, Inc.
State: NC

Complaint narrative:
Upon checking my credit report on XXXX/XXXX/2015 it appears that Automotive Management has increased the amount of my reported debt to credit agencies without notification from {$4500.00} to {$5800.00} increase of {$1200.00} ) Automotive Management has never informed me that they have assumed liability of a debt I owe or that I have signed into an agreement with Automotive Management. Nor has Automotive Management provided me with a notice of sale date, location, or details of said Vehicle repossessed by Automotive Management

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
Sunrise has constantly contacted me directly about an old XXXX Cell Phone debt. Today, XX/XX/2017, a family member informed me that someone called him about a debt I owe. I was n't sure who could be calling him about my debt. I asked for the number, and when I called the number from my phone, the voice recognition unit ( vru ), asked that I enter the number that was called from their business. I entered his number, and a Representative asked me to confirm who I was. 

I have n't authorized this company, or any other company to contact any of my family members regarding any debts I owe. 

Please help. 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 2016-04-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
I continue to receive notices with an increasing level of hostility from Richard Sokoloff Attorney at Law XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, NY XXXX. Concerning a medical bill for XXXX and XXXX XXXX XXXX in the amount of {$370.00}. This bill was paid directly to the provider XXXX and XXXX on XXXX XXXX, 2016 in full. 
On several occasions, after receiving letters demanding payment, I have called the above office and have informed them that this bill has been paid and I owe the doctor nothing. Today when I again called this attorney to inform them that I had already paid the bill and that they should stop harassing me, a XXXX XXXX told me I had to submit proof that I have paid the bill or they will not stop. 
I responded that it 's their job to make sure they have accurate information before calling and sending letters of demand. XXXX XXXX proceeded to yell at me, told me it 's my job to prove I 've paid the bill and then she hung up on me. 
I find it unreasonable for this attorney to continue to harass me, for a bill that 's already been paid.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My car caught fire on XX/XX/2017 unexpectantly as I drove it. I filed both an insurance claim and a claim with the manufacturer of the car. As of to date the claim is still open and under investigation as I await results from the manufacturers engineer report. The bank in which I financed my car is aware of the situation and has all the documentation they need to either stop requiring me to make payment as my insurance company will declare the car a total loss or if it is a manufacturer default they will compensate for the vehicle. To date I have been called and harassed from capital one about possible repossessing my car, which I do not have in my possession and has since the vehicle caught fire ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Essential Retrieval Group
State: PA

Complaint narrative:
This company calls me 5-10 times a day every single day with an automated recording that they are a personal currior survice that will be delivering legal documents to me if do n't pay my debts.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Essential Retrieval Group
State: FL

Complaint narrative:
I was contacted by a lady name XXXX XXXX from XXXX XXXX XXXX ( A XXXX XXXX XXXX ) about an alleged account ( credit card debt ) that is in my name with XXXX. The account was opened in XXXX she said and that I was the account holder so I am liable for the debt because the account holder ( which is allegedly me ) stopped making payments in XXXX. First o explained to her that account does not belong to me, then it turned out that I was added by my dad as an authorized signer, but I was not the primary holder. Then XXXX XXXX checked on the account were she verified that I was an authorized holder but she remained reiterated that I am held responsible financialy for the account were I am not the account holder, my Dad is which he passed away last year. 
She contined to say that she is sending a complaint to the police department stating that i am attempting to defraud a financial institution, which ironically that account is with XXXX XXXX XXXX and I work for XXXX XXXX XXXX where nothing showes under my name unpaid. 
please let me know how I can move forward with this. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC
State: OK

Complaint narrative:
CMC Funding XXXX # XXXX purchased our mortgage in XXXX of 2016. Since then we have issue after issue with our statements showing the wrong amounts, payments not being debited to our account in a timely manner, warnings that our payment is more than 30 days past due. I have called and emailed multiple times. Each time I am told someone will get back with me in 24-48hrs, but no one ever does. I need help, they are not doing anything to resolve these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
My husband and I terminated our lease early and incurred move-out costs and early lease termination costs as a result. I called the apartment management to get a balance and was told we would receive a bill shortly. Two weeks later we receive notice from a debt collector ( FCO ) telling us we owed {$2500.00}. I agree that we owed {$1100.00}. XXXX, however, the apartment complex did not account for a payment we made to them in the amount of {$1300.00} on XXXX XXXX, 2016 ( prior to our move-out ) and did not include this payment.

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 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom is my concern? 

I had a loan with high interest from Wells Fargo because I was single out because my heritage. 
On XX/XX/XXXX I refinance my loan with Wells Fargo. 
Wells Fargo closed the account and sent XXXX $ credit to me to XXXX XXXX XXXX , XXXX. 
And XXXX $ for the new home owner insurance send to my address by error. 
I return the money to XXXX XXXX XXXX , XXXX. 
On page XXXX are my copies You can see the credit, the insurance and the taxes The money for the insurance was cover ( credit ) XXXX + XXXX ( my check ) You can see page XXXX. 
On XX/XX/XXXX I sign escrow On XX/XX/XXXX Wells Fargo go ahead of XXXX XXXX XXXX and pay XXXX XXXX XXXX XXXX $ Knowing the date of disbursing is XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXX , XXXX send a check to Pay XXXX XXXX XXXX .same day Wells Fargo send a letter for the amount XXXX $ to be pay. 
On XX/XX/XXXX XXXX return the XXXX $ to XXXX XXXX XXXX with a letter saying was pay in full. XXXX XXXX XXXX start the process to return the money to Wells Fargo for the amount XXXX . 
And on XX/XX/XXXX XXXX $ was return from XXXX to wells Fargo. 
15 months later, Wells Fargo are charging me XXXX $ a months to cover XXXX $ for the payment to XXXX on XX/XX/XXXX ignoring they already had the money from XXXX XXXX XXXX on XX/XX/XXXX. 
On page XXXX you can see how my escrow should be Compare to Wells Fargo do n't look the same they start taking money from Escrow to repay advance on XX/XX/XXXX. 
Please Help me I think I been single out again I try 5 times on the phone because is impossible to see a rep in the Wells Fargo branch to show them the proof. 
XXXX XXXX XXXX try to get in touch with Wells Fargo and told me they were very rude. 

Thank You for your help. 

XXXX and XXXX XXXX. 
XXXX XXXX XXXX XXXX, Ca. XXXX XXXXXXXXXXXX

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 2017-03-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Pending Company Match
State: IN

Complaint narrative:
This account is appearing on my credit report along with XXXX others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have been paying for a long time 10+ years, it seems i can pay off my car faster than a student loan. I see no end to this madness!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.

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 2016-09-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA

Complaint narrative:
Refinanced our home loan with First California Mortgage and they changed the terms of the loan after closing escrow. They were supposed to include XXXX supplemental property tax payments with the refi. When we were at closing the out of pocket amount to be wired was incorrect at {$1700.00}. Was told by loan officer that it was a mistake the next day and the amount that was needed to close was {$1200.00}. Figured out that the amount we ended up wiring is the amount you get when you subtract the XXXX tax payment. Was never told that the terms of the loan were changed. We did not think anything of it until I checked on line and noticed that the second tax payment was not made. I checked with the Escrow company and they were the ones that told me the loan was for only XXXX tax payment. They changed the borrower statement after we technically closed escrow. Had to scramble to make the second tax payment which caused a financial burden. Desired resolution would be to honor the original agreement and reimburse us for the second tax payment. This should be considered deceptive loan practices.

Company response to consumer: Closed with explanation