vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My HECM reverse mortgage was a lump sum distribution at closing. There was never a Line of Credit ( LOC ). However, XXXX XXXX is showing a balance of $ 700+ as Line of Credit Balance. I have called them four times and spoke first on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX and on XX/XX/XXXX with " XXXX ''. No last names were provided. They did name their manager as XXXX XXXX but would not connect me. I have explained the problem and they keep saying someone will get back to me. 

I may be selling my home and until this is corrected on the mortgage statement, I will be stuck paying the $ 700+ which I never got! 

Please help me. Phone : mobile XXXX. Email : XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: NV

Complaint narrative:
The actions against me was taken by XXXX XXXX XXXX XXXX, who has now sold the debt to Meridian Financial Services for XXXX, and XXXX. This is a time share in XXXX, XXXX, that I have NEVER owned, NEVER used and has probably been sold to several people. The event was in summer of XX/XX/XXXX-XX/XX/XXXX ( approx. ) I cancelled this account approx. within a few months due to unforeseen circumstances of me loosing my job and loosing my home. They ( XXXX XXXX XXXX XXXX ), is famously known in the time share world as a scam and a fraud. They will promise you the world and deliver nothing. As much as you try to speak to somebody to cancel, they ignore you and threaten to send you to collections if payment isn't done in full. I called and even went to an office in XXXX, Nevada, and they said they would cancel it ( this was in about XX/XX/XXXX ) and they ( XXXX XXXX XXXX XXXX ) has now has placed 2 collection accounts on my credit report, ( XX/XX/XXXX ). These prohibit me from being able to rent a home or an apartment, requiring me to have a cosigner. Both of the accounts placed on my credit report are the same people, same company for different amounts. Why different amounts? I am unsure.This also had me in a tight spot on purchasing a vehicle. I need to know how I can correct this, and have it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mr Cooper letter dated XX/XX/XXXX says does not do balance reduction but letter before was transferred to Mr Cooper from XXXX XXXX XXXX DATED XX/XX/XXXX STATES OTHER WISE honor what was offered! Will post on social media until done!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is allocating my extra student loan payments in an improper and delayed manner, resulting in a substantially lower ( inaccurate ) decrease in outstanding balance. There have already been several lawsuits I read about regarding these issues with Wells Fargo. I have NEVER had a late payment and always pay extra payments on principal, in additional to my monthly payment. Below is a summary of recent concerning activity on my account : XX/XX/XXXX : overall loan balance ( includes several loans ) : {$52000.00} XX/XX/XXXX : {$400.00} extra loan payment made to one of the loans : {$360.00} applied to principal and {$39.00} applied to interest. No balance changes reflected on account several days later. 
XX/XX/XXXX : regular monthly minimal payment of {$580.00} made XX/XX/XXXX : overall loan balance : {$52000.00} Average interest rate for loans 8 %. I paid nearly {$1000.00} in a span of 7 days and the loan decreased by only {$260.00}. This is mathematically inaccurate. Bank is " investigating '' the issue, but has not been helpful in resolving.

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 2018-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am trying to transfer money back into my bank account from the XXXX app but its saying capital one blocked me from enabling external applications and its very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: TX

Complaint narrative:
I have disputed an XXXX XXXX account # XXXX. This account was a fraudulent account due to identity theft. I have file a police report and have mail it certified mail to XXXX. I have also called multiple times about this fraudulent account. They have remove the account initially, but now the account has later been reported back on my credit file.

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 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The supervisor assigned to my account, XXXX XXXX, has not returned any of my calls. I have left a message for her at XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The underwriter is refusing to accept my hardship application and saying the income can not be verified. My husband and I separated late last year and he moved into a rental home I had that was vacant. We have since reconciled and found a tenant who currently lives there and they are saying there is conflicting information. I have provided a letter of explanation, bank statements showing the tenants deposit, a new lease agreement and copies of her checks with her name and the address on it. They are making no effort to help me and will not return my phone calls.

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 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: OH

Complaint narrative:
I got a call yesterday from a Direct Recovery Services stating that I owe {$3900.00}, and I had 2 days to resolve this account they didn't state would happen after this but said the file was already audited. I am not sure what this pertains to I have never received any information regarding this company or who the original debt is with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
Midwest Recovery Services, are representing " XXXX XXXX XXXX, and they are putting Short Term Loans Accounts, as Medical/Health Accounts, on Credit Reports. '' I tried to call them and got an agent on the line, and our conversation turned into an argument.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my XXXX XXXX   - XXXX account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with TransUnion about my XXXXXXXX XXXX credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

TransUnion was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.

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 2018-06-15 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: NC

Complaint narrative:
On XX/XX/2016 I became a resident at XXXX XXXX, and had an agreement that only required me to stay in my lease for a term of 6 months without penalty on the 1 year lease signed. 
I turned in my keys after 9 months, and later discovered I was billed for the 12 month leased term. This is severely unlawful and prejudicial as its reflects on my XXXX  credit report. XXXX XXXX no longer are in business and was brought over by XXXX XXXX XXXX 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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I currently have a credit freeze on my account due to identity theft. TransUnion charged me {$5.00} to temporarily lift the freeze ( which is free with other companies ) from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I received a call from the bonding company that they were never able to access the credit report onXX/XX/XXXX. They tried 3 times. On XX/XX/XXXX I  called to have the freeze temporarily lifted again and they insisted that it was state law that I pay another {$5.00}. This can't be the case since at least one other agency does it for free. It took 45 minutes of my time dealing with 5 different people ( Unknown operator # 1, then XXXX XXXX, XXXX, XXXX, and finally XXXX ), 4 of them being " supervisors '' to get this settled. This should not take 45 minutes on the phone nor should they lie about the fee being state law.

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 2018-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I received an offer in the mail from Cashnet USA for a line of credit for {$800.00}. The letter said I was pre-approved. I was in a bit of a bind at the time and thought this would help. It did not, it made things worse for me financially!!! First the contract you sign online is very, very vague and hard to understand and there are hidden fees that they do not tell you about. They are called, " customary fees, '' well mostly all your payments go to these hidden fees to keep you trapped in the debt. You can never pay it off. I asked to settle the account for {$200.00} today and was told that I could not settle and would have to pay the debt in full. I have a credit limit of {$800.00}. I have borrowed a total of $ {$870.00} over the course of time. I was approved for the LOC in XX/XX/2018 and had been having payments taken out of my account every two weeks, until, I revoked their authorization to debit my account, last month in XXXX and asked them to close my account. They will not close it!!! I have made a total amount of {$840.00} in payments. I offered to try to settle the account for {$200.00}, which would make my total amount paid, XXXX. This would be {$170.00} above the principal amount, that I borrowed. I refuse to pay their outrageous fees any longer. It now states online, today, XX/XX/2018 that I owe a balance of {$950.00}. If I pay that, I will have paid them {$1800.00}, but with them refusing to close my account and steadily adding fees it will be even more, soon. No one should be allowed to be such a predatory lender!!! I want to get out of this mess, but they will not allow you to get out. I do understand that I should have fully understood the contract, before signing online, but when you are in need, you sometimes make bad choices. I do not think that should give a company the right to take advantage of people like this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
this account was settled with original creditor ... never should have went to collections or charged off ... a grave error has been made, and it is affecting my reports ... no one will give me proof or present to me a contract ... this is false, and a violation of F.C.R.A. law and my rights ... XXXX, Experian and XXXX  are declining to remove this account ... called creditor and was told that there is no knowledge of anyone verifying this account with either of the 3 credit bureaus ...

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 2018-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I havent received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices. 

As of last year I saw on my credit report that it was sold to XXXX XXXX in which I have not received any documentation from either. I have disputed this account with the credit bureaus due to no Written Documentation from Santander or XXXX regarding this debt but it seems to have been reported on my credit report. Santander is in Breach of contract and once a company charges off an account and sends it to an collection agency they are in breach of their own contract by violating the Abritration Clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me. If so, these bills were paid by my medical insurance, which I do have. I'm covered by XXXX XXXX of Louisiana and previously covered by XXXX XXXX XXXX. 

However, if these belong to me which I doubt. They would have been paid for by my insurance if the companies did not make mistakes with their billing procedures which is evidenced by other customers in the area.

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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with Experian, XXXX, and XXXX ( as well as XXXX, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, XXXX and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.

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 2018-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
this account was settled with original creditor ... never should have went to collections or charged off ... a grave error has been made, and it is affecting my reports ... no one will give me proof or present to me a contract ... this is false, and a violation of F.C.R.A. law and my rights ... Transunion, XXXX and XXXX  are declining to remove this account ... called creditor and was told that there is no knowledge of anyone verifying this account with either of the 3 credit bureaus ...

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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United Student Aid (USA) Funds
State: WA

Complaint narrative:
XXXX, USA Funds, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with XXXX, XXXX, and XXXX ( as well as XXXX, USA Funds, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, XXXX and USA Funds ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.

Company response to consumer: Closed with explanation