vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After doing careful research reading the FCRA laws Transunion, XXXX, and XXXX are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!

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 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XX/XX/2018 I have written a letter to XXXX XXXX asking them to stop calling me that included out of that state numbers as well which they have ben doing for the past month. I informed them in a letter that all call from them will be log and recorded after XX/XX/2018. On XX/XX/XXXX I received two calls. On XX/XX/XXXX one call and XX/XX/XXXX one call. I have phone login their out of state numbers on my phone. I have sent XXXX XXXX another letter informing them they are in violation of the ( FDCPA ). And informed them I will be filing a complaint with ( CFPB ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
On XX/XX/18 I discovered that Caliber home loans XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX have put together a loan package in my name with personal information stolen from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX. This illegal loan was originated by Mr XXXX XXXX lic # XXXX, NMLS # XXXX, of Caliber home loans, our ( my XXXXyr old ) was given to Mr XXXX XXXX by XXXX employee XXXX XXXX ( loan officer ) who was terminated by XXXX on XX/XX/18, Mr XXXX XXXX is and was unlicensed in TN. My FTC complaint # XXXX my XXXX complaint # XXXX my cfpb reference # for XXXX XXXX-XXXX. I have had to freeze my credit right in the middle of the home search. My identity and credit are now in permanent Jeopardy and have suffered irrevocable harm by being passed around. I have never met Mr XXXX XXXX and have never heard of Caliber home loans. I did not give anyone permission to run credit and I have not filled out any mortgage applications with XXXX or Caliber home loans. This loan package was then transferred back to XXXX by XXXX XXXX, ( where our information was stolen from in the first place ) onXX/XX/18. The personal information was given back to XXXX in PDF form, it was stolen from XXXX in paper form ( hard copies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Nationstar Mr. Cooper Mortgage told me I was late on my payments the beginning of XX/XX/2018. I then paid the full amount they required to keep my account active. And we agreed upon an amount to be paid monthly, in a refinanced loan, which I paid on time every month. My loan has been current since XX/XX/2018. I paid every amount they told me to pay. And documents were finalized and signed XX/XX/2018. Nationstar Mr. Cooper was wrong in filing a 60 days late charge on XX/XX/2018, and a 90 days late charge on XX/XX/2018, to the Credit Bureaus. And those charges need to be removed off my credit records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
When I talked to this woman calling me and my family, she stated, this a payday loan debt from XX/XX/2014 through Ace Cash Express. Some woman name XXXX XXXX @ XXXX   is calling my sister at XXXX and my aunt at XXXX calling from XXXX XXXX on behalf of XXXX XXXX XXXX. Please tell this company to stop harassing me and my family. Their number is XXXX. Ace Cash Express has been paid for this loan several times over as we know the interest and fees they charge are ridiculous. That's why after paying this company so much money, I don't even do payday loans. Its a scam that I feel the government should step in and regulate. In the time I had this loan I paid them at least over 12k which is well over the original amount I owed which was no more than about maybe {$850.00} as I didn't make much money back then. I was a struggling single mom. This company is a criminal/loan shark preying on low income families to scam them out of more money then they have. And she accused me of " Debt By Deception ''. This would only be true, if I got the loan, then closed my account and then ran off without paying anything. I can see if they were never paid for the original loan, but after paying them over and over again at some point there should be a cap where they realize that they have received enough money in interest to close the loan. Have some integrity for the consumer instead of being greedy and then maybe this industry would have a better reputation. Have some morals to the consumers you serve, low income families who can't get a fair regular loan. But they are criminals/loan sharks and harassing people and their families with calls to create anxiety. Ace Cash Express should be the people in jail for their tactics instead preying on consumers with high fees and interest rates which they know is a trap and will never be able to pay. You want XXXX for a {$850.00} loan. That's crazy. I've paid this loan over 12x. Acknowledge that you have paid for the loan several times over and leave me and my family alone. Stop threatening me with wage garnishments, legal actions and XXXX County arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: VA

Complaint narrative:
I ( XXXX XXXX ) changed banks from XXXX XXXX to XXXX XXXX. While i was doing this i set up with XXXX  a the new direct deposit to Selene Finance. The payment due on XX/XX/XXXX went through and then was kicked back due to lack of funding on my part ( i didnt realize this until today ), i had the money but unfortunately still had it in XXXX XXXX. I never received any letters from Selene that my payment was sent back due to lack of findings. Today XX/XX/18 I was looking through my bank statement and realized that the payment for XX/XX/XXXX was sent back, and decided to call Selene Finance to make the payment. After speaking with the first clerk i was told that they tried making the mortgage payment 3 times and my account was blocked. They said that i received letters in the mail the XX/XX/XXXX and the following days they tried making the payments. I have never received any letters, phone calls or e-mails stating that i missed any payments. The only solution they gave me was to send a money order to them for the next 6 months until the account gets unblocked. This is hard for me due to the amount of hours i work per week ( 60 ). i would like to get my account unblocked so i can continue with the regular direct deposit as i have been doing for the past 3 years. i feel that they should have notify me before blocking my direct deposit and having to making money orders to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: First Technology Federal Credit Union
State: NC

Complaint narrative:
I experienced a break in in XX/XX/2015. My wallet was stolen as well as my DL and SS card, and other personal items. After review of my credit reports several loans and credit cards were open in my name. I have the fraud alert now on my file. This auto loan from First Tech is a result of fraud. I have submitted documentation and have disputed the inaccurate reporting of this negative item which is causing me damages and defaming my character.This action is a violation of my rights as a victim of identity theft under the FCRA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rolfe & Lobello, P.A.
State: FL

Complaint narrative:
I received a letter in the mail from Rolfe and Lobello PA insinuating that I had a debt from XXXX XXXX. In the letter the law firm insinuated prosecution. I later received a phone call from an agent from the same firm stating the same tactics. I advised her that Im not familiar with XXXX XXXX. The rep changed the original creditors name to XXXX XXXX. Again I stated I am unsure about the debt. The agent stated she would send this to her attorneys. I was intimidated and the letter was a threat. I am not familiar with this account or even the creditor at this point seeing as the firm has changed the name twice for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After doing careful research reading the FCRA laws XXXX, Equifax, and XXXX  are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After doing careful research reading the FCRA laws XXXX, XXXX, and Experian are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!

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 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX I had {$210.00} left in my account over the weekend. On XX/XX/XXXX I had a ( - {$120.00} ) the bank said because they don't process payments on weekends that's something I should if been told opening an account, so I'm confused because I was told every transaction that was made over the weekend did not come out of my account until yesterday how is that possible when funds were deducted from my account every time I made a purchased so how did it not processed when my funds are low she said I had {$330.00} to start off so how did I get down to {$210.00} if they where not processed til yesterday now I get hit with a {$35.00} overdraft today XX/XX/XXXX this bank has been scamming people for a while I just opened this account XX/XX/XXXX and now I'm going through this.

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 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/2018 a withdraw of {$2500.00} was made by Navy Federal Credit Union ( NFCU ) from my XXXX checking account. They said it was " preauthorized '' which I didn't even know who they were. I told them to send me proof of my signature on anything for which I knew there was none, because I am the only person on my account and knew I didn't sign anything. They said there was no way of providing me anything proving my signature on anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN FINANCING CORPORATION
State: TX

Complaint narrative:
We financed our thru American Financing in XX/XX/XXXX it has now been 8 months and we still DO NOT SHOW on our CREDIT report that we own a home? AF has lied even though they have been paid on a monthly basis and we are ahead on our mortgage. But they have failed to report our credit status, have lied to us for over 6 months. We have emaled, called trying to remedy their issue with not reporting to credit bureaus. Been told internal error, they selling our loan outside parties, other companies handling, but what it comes down to is that we show NO home loan, no credit history on our loan. Our last communication was XX/XX/XXXX AF is now saying it will not be until XX/XX/XXXX when they can make this issue go away. Last but not lease they indicated to me that I could call the credit bureaus myself to accounts added? What kind of low life says that? 

We attempted to purchase & take out loan for new business were denied for we can not show that we own a home, have no stability as home owners. This company has done nothing but damage our credit status. 

Amercian Financing is a fraud, after several attempt to resolve this issue we had no choice other than to start filing complaints. We want action immediatley please help.

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 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield is a third party collection agency trying to collect on a debt that was a result of identity theft. This action is a violation of the FCRA and my consumer rights.

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 2018-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Received phone call from GE Capital with a phone number of XXXX. Spoke with a man named XXXX XXXX. Stated I was qualified for a personal loan. He wanted to pay off my credit card above the loan amount to boost my credit score. I told him then I was not interested. This is a Spam Call.

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 2018-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Sallie Mae / Navient is my servicer. 

I was pushed into using my forbarence and other repayment options up front causing me to collect interest and fees while on the programs. 

I wasn't explained to that this was IT. I can never miss a payment and I have no options if I get sick or can't find the money. 

Also, I have in the past been harassed by Sallie Mae operators being told what I WILL do or else. I've had them yell at me and threaten my co signer. 

I have asked repeatedly for income based repayments but they don't exist I guess. 

These loans are very difficult to afford every month and now my protections are not available because they pushed me into using them up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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:
inaccurate information on credit please correct it

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 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is a followup to a previously submitted complaint # XXXX-XXXX. 
Citibank responded by saying that the fee is non-refundable, but I checked the Card Agreement Guide and nowhere does it say that the fee is non-refundable. Actually, the fee is described as an " Annual Membership Fee '' and as such, having paid the fee, I should be entitled to enjoy the benefits that come with such membership, such as the XXXX XXXX XXXX and XXXX XXXX, for the duration of my membership. Second, nowhere does it say that the fee is earned immediately upon billing, so I expected that the membership fee would be earned on an amortized basis as the year progressed. Lastly, nowhere in the Card Agreement does it say that such membership benefits would terminate at the closing of my account. So, all-in-all I feel I was misled and Citibank is not acting in good faith. Therefore, since we have an unresolved dispute, pursuant to Section 11 of the Card Agreement titled " Arbitration '', I would like to initiate arbitration proceedings. Since nobody in Citibank Customer Service knows the answer to this, please provide the instructions for initiating arbitration and how Citibank will go about paying my share of the arbitration fee, per the Card Agreement. 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 monetary relief
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
There were two transactions processed for a bill normally charged ACH monthly that were not supposed to come out for {$43.00} and {$50.00}, overdrawing my account. Upon checking with the bank, overdraft protection was enabled and pulled out four transfers to my checking account after specifically turning this feature off. Bank of America informed me I would be charged {$12.00} fees for four transactions, totaling {$48.00} in fees. I will also be charged {$35.00} for each transaction that overdraws my account and there is a {$63.00} hold on my account for something not disclosed to me by Bank of America ; they have no idea where the transaction is coming from or what it is.

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