vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
My auto loan was transferred to Westlake Financial. The initial conversation I had with them was fairly pleasant. Before I was transferred I was due for my XXXX payment. Which is due on the XXXX of each month. The month of XXXX was tough for me. I called in on XX/XX/18 and made my XXXX payment. The representative I spoke to was very nice and helpful. She advised me that my XXXX Payment was due, which I was aware. My XXXX Payment was due XX/XX/18. The representative and I discussed a way for me to get caught up, which was extending the XXXX payment to the end of the loan and that way my next payment would be due n XX/XX/18. I thought that was helpful and agreed. She then advised me that I would have to call on XX/XX/XXXX to request the deferment. I stated ok, I will call then. Then on XX/XX/2018 I received a call from Westlake Financial on my cell phone at XXXX, XXXX XXXX and XXXX. Then on my work phone at XXXX XXXX. I was confused as to why they were calling so on my lunch break, I called them. The first representative I talk to stated my account was delinquent and that why I received calls. I told her I was not then she explained that I would get call if I'm 1 day late. I thought this was absolutely ridiculous. I was technically 14 hours delinquent and they had already called me 4 times including my work phone about an account that is 14 hrs. past due. So I then stated well I already had spoken to a representative yesterday, XX/XX/18, explained what was going on, made a payment and agreed to call back on XX/XX/XXXX to request the extension. The representative told me that was not an agreement and I would still get collections call. I stated why would ya 'll call me, if you see in the notes that I am going to call on a certain date. That seems like a waste of my time and yours to keep calling. Then to call my multiple times like my account is months past due. I was upset at this point. I requested a supervisor. The supervisor then told me that I did not have an agreement that is a verbal agreement. He saw the notes of what was going to take place but said that did not mean anything until the deferment took place. I was upset. the only thing he could say was you can request for your number to be removed from the dialer. So I agreed. I think this is a violation of CFPB. The called my 4 times before XXXX for the account to only be 14 hrs. past due. Also when I spoke with the first representative she did not advise me that I would continue to get collections calls. Also, they do not add a late fee on the account until the account is 10 days past due. So I should not be receiving calls anyway. I think this is unfair treatment and harassment to call someone that many times in that short of time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
I have a Stipulated Judgment with Fidelity Capital Holdings , Inc, a California corporation, dba XXXX XXXX XXXX XXXX XXXX signed on XX/XX/17 ( attached ). It states that payments will be made on the XXXX of each month. There is no mention that automatic payments are required each month. I have paid on time. I did allow them to automatically process payments from the initiation of the agreement until last month, when the card I was using expired. I paid with a new card last month and told them that I'm not agreeing to auto payments any longer, but will provide payment on or before the XXXX each month. I called this morning and made the XXXX payment ( today being XX/XX/XXXX ) and was told by XXXX XXXX at Fidelity that if I don't do autopay going forward, they have the right to execute on the judgment. I don't believe this is legal based on the language in the Stipulated Judgment. 

Additionally, they are reporting this account negative each month as a collections account. While it is accurately categorized as a collections account, it should reflect " paid as agreed '' as I am making the payments on time per the Stipulated Judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed with TransUnion about a few things on my credit report several times. I have just disputed with them recently about a few accounts that have been closed for years but was included in my bankruptcy this year. They are refusing to remove them off my credit report. I have attempted several times before I decided to contact you. I'm trying to rebuild my credit but TransUnion is making it very difficult for me. All the student loans are consolidated under XXXX XXXX. They wont remove all the old XXXX XXXX XXXX/XXXX  ones off my report. The accounts that I'm requiring about is : XXXX XXXX  XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXX XXXX XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account was in included in Bankrupcy XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts is under XXXX XXXX. 

I would like all these all removed off of my credit report. That way my credit report is would be correct. 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 explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I contacted Portfolio Recovery Associates for verification of debt, not a bill. According to the Fair Debt Collection Practices Act I asked for a signed contract that I signed where I agreed to pay Portfolio Recovery Associates, documentation that they are licensed to collect in the state of Texas, contact information for their registered agent, the purchased price of this account and the amount of commission to be made. 
On XX/XX/2018 they only sent back a bill ( which I clearly asked for more detailed information ) with the amount they say I owe in the amount of {$1000.00} to XXXX XXXX not Portfolio Recovery Associates. on XX/XX/2018 they sent me an invoice with an amount they say I owe, my social and when they purchased account, but no signed contract.They failed to prove that I am under any financial obligation to pay them this debt according to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
My wife and I had a loan through XXXX for a few years on our home then they sold it to a new company we have had since XXXX I believe. Our payment then was just less than {$980.00} a month then in XXXX it went down to {$900.00} due to us being caught up in escrow because we were a little behind due to insurance going up and property taxes going up and due to being all caught up on our escrow being caught up and in good standings and now I talked to the company we are with now which is Rushmore Loan Management Services because our house payment got moved up to {$1000.00} from {$900.00} they are telling us that they went up do to projected amount that might be owed next year but we are not behind at all in our mortgage at all. How can a company say that it might be more next year but they aren't sure yet? We aren't behind we are ahead in our escrow, so how can they do this? They also said if we are over paying by XXXX next year they would refund our money then but not till then. Our house insurance gets paid in XXXX every year and property taxes in XXXX every year I believe. Either way we are {$610.00} to the good in our escrow and every month we are paying {$400.00} into the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
This was a total loss vehicle, it was being paid by gap and insurance. I was the cosigner on the vehicle. There was XXXX left on the account. Capital One charged it off, I never recieved a letter or a phone call about this. When I did find out I contacted my insurance and they had sent the last check to the wrong place and it was quickly resolved. Now my credit is ruined. I have disputed it with the company three times and the credit agency 's. The credit agency 's are reporting it as XXXX was the charge off which is inaccurate, it was XXXX which I disputed but they are still saying thats what capital one reported. I have submitted to you documents showing this is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
XXXX XXXX in XXXX South Carolina calls me twice a day and calls all my references every day. I asked them not to call my references everyday but they said they were told to by there supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC
State: TX

Complaint narrative:
Omni does not provide any loan information as to current balance, interest rates, payment amount for my loan online, nor do they send mailed statements. I have called numerous times with no answer and have not received a call back. I am unsure of any of my loan specific information and do not have access to it.

Omni said when I opened up the loan, I was encouraged to setup an allotment. That is what they specifically stressed. They also said if I stopped the allotment at anytime, they would debit my bank account for the amount. I am trying to set up my payment via check or automatic bank transfer and fear they will debit my account more than once. I am trying to talk to someone at Omni to avoid this potential issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: The Law Offices of Mitchell D. Bluhm & Associates
State: AL

Complaint narrative:
I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: WY

Complaint narrative:
Company stated my " account '' was removed from their system and I would not receive calls anymore. Never purchased any products or services from XXXX XXXX so there should not be an account in the first place. Still calling with fake spoofed caller ID number that does not belong to them. As of writing time of call was XXXX my time. I will continue to file complaints against XXXX XXXX every day they call my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2018 at XXXX we received a call from North Star Location ( XXXX ) stating that the call is intended for XXXX XXXX XXXX and to call back at XXXX. The message states " to reach an operator press XXXX now '' and once this is done the call ends. 

I called the number ( XXXX ) on XX/XX/2018 at XXXX and informed the operator that we have been receiving this call several times and that we need to get our number removed. I explained to the operator that this number is the main hub for our company and that there could be hunderds of numbers that lead over to this. He stated that the message is supposed to give a case number or offer to transfer over. I stated that it does offer to transfer but ends the call when it's selected. He stated if the number calls with all of the information to call back to get our number removed. 

This is impossible to do as the call number does not provide additional information nor can the operator find the name that is given by the calling machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: Nelnet, Inc.
State: NY

Complaint narrative:
Within the past few years, I have had multiple issues with Nelnet. I originally went to XXXXXXXX XXXXl in XXXX, and my original Student loan lender was XXXX XXXX. I had no problems in the beginning, while I was waiting to find a job my loans were in deferment. My loans then were transferred to Dept of Ed/Nelnet, I received a notice that my loan was transfered information however was not told this would effect my deferment. When I received my first bill in XX/XX/XXXX I filled out the paperwork for an extension on my deferment as I had not yet found a job as a nurse. I never received a confirmation that my deferment was approved or denied, however I did not get another bill and stopped worrying. It was not until XXXX of XXXX that I received a notice that my account was severly delinquent and I called immediately to resolve. I place another deferment on my account when offered. That extension took me until XX/XX/XXXX when I received a notice along with another option to defer. My parents had instilled in me the importance of good credit and I knew I was still not financially able to cover my payments at that time and did not want to risk negative remarks, so filled for another deferment by mail, sure that the same error could not happen twice. I received nothing from Nelnet until XX/XX/XXXX when I became worried that no news was not good news. I reached out to them and was told that my account again was in delinquent status, and was even told by the representative that she saw my deferment request from XX/XX/XXXX and stated she didn't " know what happened '' and gave her apologies. The representative said they had sent me notices by email, and when I asked what email, she had one that was not/had never been mine After My call in XXXX I asked to speak with a supervisor, and that had been the last of my troubles going forward. I reached out multiple times to Nelnet, Dept of Ed and XXXX with either no response or an explanation as to why, even if inaccurate, they do not remove late payment history. I was told by one representative that people try to " scam the system '' and that is why they do not make changes. I tried to better my life going to XXXX XXXX and now as I get ready to look for a home, those inaccurate late payments are making it near impossible. I have reached out multiple times, and although told they apologize, and it was " simple human error '' and to " deal with the consequences '' I have decided to defer my complaints to CFPB in hopes of getting help removing these inaccurate late payments. I will attach some documents/responses I have received that I hope will help to assist with this matter and I look forward to hearing back from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My automobile was in an accident and was considered a total loss. Subsequent to the accident I was told I had the financial that they had been in touch with the insurance company in full payment would be issued the Honda financial. Apparently the process took longer than initially thought and there were several payments not made on the automobile. I had since called Honda and paid all the funds that were due and they had promised that they would contact the credit bureaus and have my account marked as paid in full and paid satisfactorily on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 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: OH

Complaint narrative:
I have disputed with XXXX  about a few things on my credit report several times. I have just disputed with them recently about a few accounts that have been closed for years but was included in my bankruptcy this year. They are refusing to remove them off my credit report. I have attempted several times before I decided to contact you. I'm trying to rebuild my credit but XXXX  is making it very difficult for me. All the student loans are consolidated under XXXX XXXX. They wont remove all the old Dep of Ed/XXXX  ones off my report. The accounts that I'm requiring about is : Dept of Ed  XX/XX/XXXX Account is under XXXX XXXX Dept of Ed XX/XX/XXXX Account is under XXXX XXXX Dept of Edu XX/XX/XXXX Account is under XXXX XXXX Dept of Edu  XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXXXXXX XXXX XX/XX/XXXX Account was included in Bankrupcy U.S Dept of Edu-XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Account was in included in Bankrupcy XXXX XX/XX/XXXX Account was included in Bankrupcy Dept of EduXXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts is under XXXX XXXX. 

I would like all these all removed off of my credit report. That way my credit report is would be correct. 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 non-monetary relief
Consumer complaint received 2018-09-27 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: TN

Complaint narrative:
This was a total loss vehicle, it was being paid by gap and insurance. I was the cosigner on the vehicle. There was XXXX left on the account. XXXX XXXX charged it off, I never recieved a letter or a phone call about this. When I did find out I contacted my insurance and they had sent the last check to the wrong place and it was quickly resolved. Now my credit is ruined. I have disputed it with the company three times and the credit agency 's. The credit agency 's are reporting it as XXXX was the charge off which is inaccurate, it was XXXX which I disputed but they are still saying thats what XXXX  XXXX reported. I have submitted to you documents showing this is wrong.

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 2018-09-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.

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 2018-09-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to from the equity on my property. The responses and answers clearly indicates that Shellpoint Mortgage Servicing is hiding critical information and committing FRAUD. Their response is as follows.. First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and Shellpoint is not required to provide that information to you. '' Third Response : " Shellpoint is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Fourth and latest response include " This is a duplicate complaint! '' *** Level II investigation requested from CFPB!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation