vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I obtained a payday loan in XXXX from Speedy Cash. My checking account was closed in XX/XX/XXXXdue to someone committing fraud on it. As a result Speedy Cash was unable to collect the debt. A few years went on and I got a call from Speedy Cash as well as XXXX XXXX XXXX XXXX. In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with XXXX XXXX as well as Speedy Cash promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called Speedy Cash 13 times to discuss the removal that was promised. I called XXXX XXXX 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: NJ

Complaint narrative:
Experian XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also experian refuses to remove these 2 new accounts XXXX XXXX and XXXX card as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days

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 2018-01-10 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX XXXX I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: NJ

Complaint narrative:
XXXX equifax refuse to remove these fraudulent trade lines from My credit report equifax refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also equifax refuses to remove XXXX and XXXX XXXX I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX refuse to remove these fraudulent trade lines from My credit report XXXX refuses to remove both XXXX account for {$410.00} and {$420.00} also XXXX refuses to remove these 2 new accounts XXXX XXXX and XXXX XXXX as well and also XXXX refuses to remove XXXX and XXXX card I have a police report they will not remove it and fcra by law states you must remove these fraudlant accounts within 4 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Blocked from external accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MN

Complaint narrative:
This is my second and last complaint regarding Hunter Warfield to Consumer Financial Protection Bureau. Hunter Warfield responded to my last complaint which is below advising that they have ceased communication and reflected this on my credit and that they are not re-aging this " debt '' but they are indeed doing just that. Hunter Warfield removed this debt from my credit in XX/XX/XXXX and placed it back on my credit report dropping my credit score 42 points as though this was a new delinquent account.Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and Hunter Warfield. My first debt validation letter was sent to Hunter Warfield on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
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: The Leviton Law Firm, Ltd.
State: OH

Complaint narrative:
In XX/XX/XXXX, I received a phone call on the store phone number demanding i pay {$140.00} for a company I have never heard of and a bill was due to pay for a outstanding contract. He threatened to take me to court and sue me for this amount. I asked for a copy of the contract and he said he will not send me any contract and kept demanding payment. 

Today XX/XX/XXXX, i received a letter for a debt for my business and i called the phone number on the paper, the lady who answers asks for the case number and they immediately transferred to a XXXX. XXXX immediately demands how do you want to pay? He wanted me to pay a different person and a different address from the letter and the company. I asked for the contract again and he refuses to send anything and threatens to sue me. I told him if you cant send me contract you will not get paid. I hung up because he was very rude and all he wanted was money. 

I do not do any business with XXXX XXXX XXXX, nor ever heard of them. Cross checking on the internet shows a merchant services processor. I do not use this company at all and do not owe them anything. 

I have done my research and have found this " lawyer '' is a fraud and the address is to a XXXX XXXX, it is not even an office! 
Please XXXX the following, you will find it has other people have same experience since XXXX! 

The Leviton Law Firm LTD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Telephone ( XXXX ) XXXX Fax ( XXXX ) XXXX Toll- Free ( XXXX ) XXXX XXXX XXXX XXXX Supervising Attorney This is a new fraud attempting to scam a retail business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX we used a promotional 0 % financing option with Synchrony Bank to purchase a mattress at a local retailer. I was under the impression the offer was for 24 months. In the course of the sale, I did not pause to read the entire contract. I signed it. 

I set up regular monthly payments. I was receiving paper bills at first, but a few months later, requested online statements. I tried to set up my account on the Synchrony website, but had trouble. I did n't worry about it because I believed I had 24 months. The contract I signed unknowingly was for 12 months. 

By the time the promotional offer expired, on XX/XX/XXXX, I had paid off {$2300.00} of the original {$3200.00} price of the mattress. But I missed the deadline, which was at XXXX. They speak of a 30-day grace period, which ended XXXX, on XXXX XXXX. On XX/XX/XXXX, I logged on and saw a {$920.00} interest charge added to the bill. I immediately called the company and spoke to three different levels of management ( so I was told ). They explained to me that when that expiration date passed, I became responsible for interest from the day I purchased the mattress, at 29.99 %, for the full price of the mattress. I am aghast. I had by that time paid off more than 2/3 of the mattress price. ( There had been a couple of exchanges of the original mattress, with a credit of the original amount, followed by an increase, which was handled as an additional purchase. That created two expiration dates, one even earlier than the other. I had been billed interest for a couple months already! ) I do n't understand how a credit card company is allowed by law to place a consumer in such a precarious position. It feels like a case of predatory lending. I was set up to fail. Why are they not required to send me an email prior to the end of the promotional period? Why do they not send me an explanation of how a second promotional expiration date was created when we exchanged one mattress for another? Now I 'm being asked to pay an extra {$920.00} in interest, with nothing to show for it. I have never encountered a company that was n't willing to work with me, especially when my intentions were clearly good as I paid monthly and had almost paid off the bill. This is an enormous financial burden for me. I am hoping for some sort of alternate resolution.

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 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
IN XXXX of XXXX I filled for Chapter XXXX Bankruptcy. In doing do I reafirmed 1 personal loan with XXXX XXXX XXXX, 1 car loan with Wells Fargo Financial and 1 mortgage loan with Wells Fargo. Everything was finalized in XXXX of XXXX by a district court Judge. Over the paste summer as I was checking on my Credit Score I noticed that while Wells Fargo had been reporting my auto loan since XXXX of XXXX they were not reporting my mortgage. They in fact did n't start to report my Mortgage until XXXX of XXXX. After speaking with my own bank It was discovered that Wells Fargo has incorrectly reported my on time monthly payments. I have now contacted them twice with no resolve other than they admit that they made the mistake but they refuse to report it to the credit unions. In fact my account just now showed back up on my Credit report 5 months after they started reporting it again. All I am wanting is them to fix my wife and I 's credit reports to show that we have been making making payments on time regularly scine the ReAffirmation.

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 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This is my 2nd complaint FILED AGAINST NATIONAL CREDIT SYSYTEMS.

COLLECTION ACCT # XXXX. NATIONAL CREDIT SYSTEMS IN C.F.P.B., COMPLAINT # XXXX RESPONDED TO C.F.P.B. THAT THEY WILL STOP THE FULL COLLECTION EFFORTS ON THIS ACCOUNT, HOWEVER THEY DID NOT STATE THAT THE COLLECTION THEY REPORTED TO ALL 3 MAJOR CREDIT WOULD BE DELETED! WHEN I CALLED THEM TO ASK IF SUCH ACTION WAS TAKEN TO DELETE THE COLLECTION FROM ALL CREDIT BUREAUS, THEY HUNG UP THE PHONE ON ME, WHICH HAS NOW PROMPTED THIS 2ND COMPLAINT. NATIONAL CREDIT SYSTEMS HAS DAMAGED MY CREDIT RATING BY MALICIOUSLY NOT DELETING THIS COLLECTION, THAT NOW THANKS TO THE C.F.P.B. THEY REPLIED IN THE PREVIOUS COMPLAINT. I NEED NATIONAL CREDIT SYSTEMS TO SEND YOU IN WRITTING THAT THIS COLLECTION WILL BE NOT ONLY BE CEASED IN COLLECTING BUT WILL ALSO BE DELETED FROM ALL CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I called Granite State Management to make arrangements to make a payment and avoid a negative credit report. I talked to a representative that was open to hear what I was saying and I told her that I forgot to make a couple of payments. She said that she understood and told what amount I owed. She said she would document that I called. I believe I asked her if there was going to be a negative credit report against me. She stated that there would not ( I believe ) as long as I made attempts to pay and because I called. I asked if I needed to make a payment that day. She said no because I said I would mail it. I was not given a specific day that I needed to pay. I mailed in a payment about a week later but XXXX the made a negative report against me. They received the payment before they sent out an email stating that a negative report would be sent out. The payment was cashed on XXXX XXXX, XXXX and the email ( re : time to avoid a negative report ) was sent on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1. On XX/XX/XXXX Submitted Payment of XXXX which did not go through on My Debit Card Checking Account 2. On XX/XX/XXXX Sent XXXX XXXX XXXX which Was rejected by the company as told by on XXXX XXXX. They stated " Capital One Rejected the Payment '' 3. When calling on XX/XX/XXXX Capital One " The Representative was very rude '' she asked me how i was and i responded how are you, and she stated " Groovy '' in a condescending tone, after trying to give her the money control number to explain that i had sent XXXX for a payment, she stated the Account had been Closed. due to non-payment. 

I explained to her i had been trying to pay since XX/XX/XXXX She showed no empathy, could not get me to speak to a supervisor, and started laughing in the background. ( Very Unprofessional ). 

I finally got a refund for my XXXX In XX/XX/XXXX. 

The credit card company still sends correspondence encouraging me to pay, while rejecting my payments via XXXX XXXX and my checking Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: NC

Complaint narrative:
Hello I sent out 609 letters to c.f. ERC sent me a copy of Bills none with my signature sent a bill that Dates XXXX tho XXXX XXXX sent about 3 bills with different amounts. I do not have a account with ERC they did not send me letter 5 day before placing me in collections and looks like they started my bill over I do n't have XXXX since XXXX I would like this deleted off my credit report asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I am filling a complaint with our mortgage company on a residential investment property that we purchase in XXXX, the name of our mortgage company is Mr. Cooper Mortgage, and in wish a few months ago had a name change, from Nationstar MortgageXXXX XXXX To, Mr. Cooper Mortgage. 
The problem is that Mr. Cooper Mortgage ( Nationstar Mortgage ) have refused to comply with the court order from our chapter XXXX bankruptcy that was filed on XXXX XXXX, it was confirmed on XXXX/XXXX/XXXX, it was Discharged on XXXX/XXXX/XXXX, and it was closed on XXXX/XXXX/XXXX. The court order for Nationstar Mortgage was confirmed at XXXX at 5.25 % interest rate for a amortized 30 year loan with the first payment beginning on, XXXX/XXXX/XXXX. Prior to our Bankruptcy being close and the reason our case took an extra year to close was because on XXXX/XXXX/XXXX Nationstar Mortgage sent us a preliminary notice of foreclosure stating that we were {$9100.00} in default, with an unpaid balance of, {$150000.00}, we filed sanctions against Nationstar Mortgage for failing to comply with the court confirmation order, and to properly apply our mortgage payments to the loan. 
On XXXX/XXXX/XXXX we filed sanctions against Nationstar Mortgage, on XXXX/XXXX/XXXX we reached, and signed a Settlement Agreement with Nationstar Mortgage, moreover Nationstar Mortgage paid out {$7000.00} toward our attorney fees, and we paid our mortgage co. ( Nationstar Mortgage ) {$3000.00} to bring our mortgage loan current. On XXXX/XXXX/XXXX the sanctions were dismissed because both parties had resolved our issues according to the Settlement Agreement. Soon afterwards our bankruptcy case was  finally closed on XXXX/XXXX/XXXX. 
From the date we closed our BK case till now XXXX/XXXX/XXXX Nationstar Mortgage, same as Mr. Cooper Mortgage has not corrected our mortgage loan, they have not send us any mortgage monthly statements, Mr. Cooper mortgage ( Nationstar mortgage ) has refused to comply with the court order, and our Settlement Agreement. 
I have contacted their customer service call center, and bankruptcy lost mitigation department every month, and several months every week, and twice per month in trying to get this mortgage company to get their accounting corrected. For the past 3 months they claim that it is in review for the cramp down, and settlement agreement, but they have had over 15 months since our BK was closed to correct our loan accounting, and to send us a monthly mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX : contacted Best Buy Citibank for charge found from XXXX of {$100.00} interest payment that didnt make any sense. Called them and they said there is a deferred interest rate. I told them I never check my statements, have an auto pay + {$5.00} till the bill got paid. I didnt use the card anywhere else and couldnt understand why I had to keep paying towards such a small original amount of {$500.00}. XXXX the management accused me of not looking at my statement and said she wont void the deferred interest charge. I would of never signed up and was mislead as to a deferred program. I could of paid off the credit card on time if I was aware of this obsured policy. I know other people have been mislead through this company ripping people off. Cheap business idea.

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 2018-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I lost my job and was not able to pay

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: GA

Complaint narrative:
In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

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