vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
The loan modification was completed and filed with the XXXX County Courthouse XX/XX/XXXX with the new payment of {$2200.00}. We have continued to make this new payment since XXXX of XXXX ( when loan mod started ). Home Point Financial has been our mortgage company since day one ( apparently the loan had a different service last year. HPF claims the last servicer didn't file the documents internally or transfer with the file. After speaking with them nearly weekly for the last 3 months I finally spoke with a Supervisor yesterday ( XX/XX/XXXX - XXXX ). He mentioned that the payments have been properly posted. However, unknown to him the underwriters still haven't made it official in their system which causes continued charges, fees, late credit issues and negative reporting with the credit agencies. 

Our credit ( both my wife and myself ) has gone down over 100 points since beginning this process last XX/XX/XXXX. We have never been late or missed one payment yet this continues. 

Home Point Financial Loan # XXXX Loan Mod # ( XXXX ) XXXX XXXX ( Supervisor ) extension : XXXX Enough is enough - fix the files, terms, and payments that both of us agreed to, signed and filed with the local courthouse. Also, the terms were to erase any and all negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: IN

Complaint narrative:
Back in XXXX of 2014 I sustained a XXXX injury and was taken to XXXX XXXX  at XXXX XXXX XXXX, XXXX FL XXXX. They stitched me up and presented me with a bill. At the time I was on hard financial times and very short on money. On XX/XX/2014 I personally visited the accounting/business office at this same location to make an offer of full and complete settlement for any and all charges due, in cash, that was accepted. I have a paid receipt signed by XXXX XXXX, Cashier at XXXX   XXXX  marked XXXX Bal Due in her handwriting. In turn XXXX XXXX has referred the ENTIRE AMOUNT out for collection multiple times. I have disputed this on my credit reports and had it removed multiple times. They have now sent it out again. After over 4 years of this nonsense I have had enough. 

What they have done constitutes Civil Theft. They took my money then came after me for the full amount. 

I will appreciate your kind assistance to resolve this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: MN

Complaint narrative:
Meridian Financial is trying to make me pay for a time share that I never purchased or want and Have never seen. They have put three different collection notices on my credit and continue to call and won't stop. I returned a false billing letter from them about 60 days previous after calling and speaking with a rep. from their firm explaining they must have the wrong party and I sent it back to them so stating via the US post office with a required signed return certified to them. They have since posted three different amounts for collection all on the same day XX/XX/2018. to our/my credit, the amounts are {$930.00}, {$880.00}, and {$810.00} are the amounts on my credit for collection currently. This is all false as I informed them and that would be willing to defend myself in court if they so chose to do. My wife and I have no income other than our Social Security and can not afford more than what our cost of living, medical and food is now much less buy some kind of vac. thing anywhere. They were informed of our financial situation but seem to just ignore facts. Please help. My daughter checked this company out on the internet and found that they have a record of this kind of thing and many complaints filed on them. We have good credit because we do not spend what we don't have and I think that is why they used us, some how they have our name and address but we never have signed any thing or would do so. 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 2018-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been a customer of the XXXX XXXX for 10 months and i have been entitled to a credit card. and my payments are punctual. but i cant check my credit score in any of the three company websites. i dont know what has happened.kindly can you check my credit score and let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: TN

Complaint narrative:
On XX/XX/2018, I sent Equifax a dispute letter via US mail disputing a derogatory listing on my credit report. In my letter I formally requested that Equifax provide me with copies of any documents associated with the derogatory account ( XXXX XXXX XXXX ) bearing my signature. If, in the absence of any documentation bearing my signature, please delete the negative listing immediately. Upon completion of their investigation, Equifax stated that the account has been verified. On XX/XX/2018 I sent Equifax a second letter, in my second letter I requested the description of the procedure used to determine the accuracy and completeness of the information listed within my credit report. The name, address, and telephone number of each person contacted regarding this account, any documentation provided that is related to this account, and there method of verification according to FCRA 611 ( a ) ( 7 ). By federal law I have the right to request such information, however Equifax has failed to comply or provide me with any of the requested information. Given that I believe Equifax is acting in bad faith, and have not complied with the FCRA, I am filing a complaint with the CFPB. I hope that Equifax will take this matter serious, and realize what kind of impact, that there negligence has caused. I have experienced a tremendous amount of hardship and stress dealing with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, National Association
State: NY

Complaint narrative:
I had an a passbook savings account with my father XXXX XXXX at XXXX XXXX XXXX XXXX ( a subsidiary of New York Community Bank ). My father died on XX/XX/2018. On XX/XX/2018 I went to the bank to withdraw the funds from my account. I was told that I could not access my account because I had neither a passbook nor a death certificate. The manager told me that the account would be flagged with the information that a joint account holder was deceased and that I would be able to access my account when I returned. She then printed a list of all the accounts bearing my name with the bank. On XX/XX/2018 I obtained a copy of my father 's death certificate via mail and I returned to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On that day I discovered that {$14000.00} was missing from my account. The bank manager ( XXXX XXXX ) refused to tell me who withdrew the funds. All she would disclose was that a money order had been made out to XXXX XXXX XXXX on XX/XX/2018. I did not authorize this withdrawal. XXXX XXXX told me that she would have the bank perform an investigation and I would hear back within 14 business days. The next morning I received a call from XXXX XXXX that the funds had been returned to my account. I asked her to give me a copy of the withdrawal slip to find out who had stolen the {$14000.00} from my account. XXXX XXXX refused to do so. She has been asked several times to give me a complete documentation of this fraudulent transaction, but she has refused. Her position is that my account was made whole and there is no reason to disclose any further information. My position is that a theft of {$14000.00} occurred and I have a right to know who committed this crime. What further steps can I take to receive the information which I am requesting?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: ND

Complaint narrative:
I have sent four payments in the total of {$8000.00} to Shell Point Mortgage   they have returned all payments and have now put me in foreclosure status. When i called them to ask why they were not excepting my payment they stated i was in an inactive status. Now they claim I am eight months behind and are demanding {$19000.00} due in thirty day. Please help me with this situation. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have 2 car leases with GM Financial, earlier this year I had set up automatic payments for these accounts, I accidentally made both payments at {$1100.00}, one of the payments was supposed to be {$1100.00}. I was short {$74.00} every month for 5 months. GM Financial kept that shortage on my account and in turn I have 6 30 day lates on my credit. I did not receive a phone call letting me know I would be getting these late notices reported to the credit bureaus. Year to date if I would have made all payments I would have paid {$12000.00}, I have actually paid {$13000.00}. I understand I may have been late 1-2 of those payments but again I was never notified and I have made payments ever month. I called twice to ask to have some or all of these late dings removed from my credit and they said they are not wrong and it is too bad. I asked to speak to a manager and they would not transfer me or let me speak to anyone, the gentleman XXXX XXXX because he would not give me his last name, said his manager was busy and would not talk to me. I have been a GM car owner for 10 plus years and currently have 2 accounts with them and I just do not believe I was treated fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09 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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI

Complaint narrative:
My1st payment to XXXX was reported late. I applied for direct payment the company didn't take the payment out of my account on time. then report my payment 30 days late XX/XX/2018 in the amount of {$590.00}. I called XXXX they stated that they couldn't change the report that I had to contact credit bureau. This was not my fault my payment was available as scheduled. XXXX didn't take the money out of my account as I had requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: Alliant Capital Management LLC
State: OH

Complaint narrative:
A guy named XXXX keeps contacting me at work and contacting others. He gives me a case number XXXX oh. He is rude and Hangs up. I told him if I owe it send me a letter. He claims he has. I have not received anything. He first told me he was with XXXX XXXX XXXX but after calls to XXXX XXXX XXXX and other places I find out he is with Alliant Capital Management. When I tell him to stop calling he says he wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CO

Complaint narrative:
To whom it may concern : on XX/XX/18, I looked up a lender that would not use a credit score to qualify ( to avoid denial ). I needed a " hardship '' loan to pay rent as I didn't have income for 2 months due to losing employment. I was approved rather quickly at a 37 % loan rate and received the {$1000.00} I requested ( to pay rent/avoid eviction ). 

The XXXX XXXX Transaction was : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRN # XXXX RFB # I did not receive any loan terms documents from them within this approval process. 
Last week on Friday XX/XX/18, they withdrew a payment of {$200.00}. Today XX/XX/18, they withdrew {$330.00}. The next payment will be {$320.00}, {$300.00}, {$290.00}, {$270.00}, etc. 
This payment of {$330.00} just took my auto loan out of my checking account. Which prompted my call to them to ask what my rate was on this loan, the agent didn't know what a " rate on a loan '' even was. I asked if she can send me my loan terms. I received it immediately with the following details. 
The APR on the loan shows 666.2935 %, amount financed {$1000.00}, Finance charge {$3000.00} Total payments {$1000.00}. 

Being from a XXXX XXXX background - If I saw this, I would of looked for other resources to get out of my financial situation I was in. 

In addition to this matter, I am a single mom and this ended up putting me into more hardship than I was in prior to calling them for short term help. 

I need help as this is Pred

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, Florida sold me a dangerously defective vehicle and has committed fraud by refusing to abide by lemon law. Financing for the fraudulent vehicle transaction is managed by in house loan company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. 

On XX/XX/2018 I purchased a new XXXX XXXX XXXX XXXX sport utility with XXXX miles on odometer. XX/XX/XXXX I returned the vehicle to dealership due to engine stalling, intermittent engine shut offs, warning lights, check engine lights on, electrical failure and multiple loss of panel communication faults. XX/XX/XXXX, I was told to pick up vehicle. Upon arrival lead mechanic stated its a lemon and that I should go lemon law. He couldnt find the source of the issue, its a manufacturing defect but it seems to be repaired this time and he will continue trying to fix vehicle if ordered by his boss. Before I could leave the dealership parking lot vehicle stalled and electrical failure with multiple loss of communication occurred, so the vehicle never left lot and remained until XX/XX/XXXX until I was told it had been repaired and to pick up. On XX/XX/XXXX, vehicle had electrical failure and multiple loss of communication and complete blackout of control panel screen. On XX/XX/XXXX XXXX formally refused to buy back the vehicle and instead added insult to injury offering {$3000.00} to keep the defective vehicle, shut up and go away. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XXXX : XXXX Fax : XXXX Any help that you give me will be greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: GL Financial, Inc.
State: KY

Complaint narrative:
I have been contacted excessively over the last 2 days and threatened with a class d felony by a retired XXXX XXXX that is now a XXXX XXXX. I also did not give permission for my number to be given out by the original credit lender. This loan is in my mother 's name and I had tried helping her catch up on payments by calling in. My number was given out without my permission to the XXXX XXXX.i want to know what can be done about this. I have recorded voice mails left that will verify any information I have stated in regards to the threats from this XXXX  and company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WV

Complaint narrative:
I contacted my local office asking for a print out of the payments that I have made. The officer I could hear printed it and said it would be mailed within a few minutes he called back and gave me a XXXX number to call. When I called that number the person I talked to threatened me that I would never get that information and gave an amount that I owed him that he could not explain how he said I owed. Threatened me that he had my drivers license number and read it off to me. Told me good luck he would see me in court and hung the phone up. This happened on the afternoon of XX/XX/2018. I still do not have a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: PA

Complaint narrative:
HI, Please should more consider on my complaint against bad company EQUIFAX i had submitted many times of this regarding Unauthorized Hard Inquiry and XXXX has responded me Company responded XXXX XXXX XXXX Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response We are sending the customer a letter advising that we previously notified the credit reporting agencies to change the inquiries to non display, and it may take up to 45 days for the update to reflect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Home Depot card which was issued by Citibank in XX/XX/XXXX. Card was being handled by XXXX XXXX and collection since XX/XX/XXXX. I was making payments to XXXX each month. 

In XX/XX/XXXX, when i saw XXXX was no longer making automatic debits from my account for the payment, i contacted Citibank collection services at XXXX. I was told Citibank had taken over this account from XXXX XXXX as it has passed its statue of limitation. After repeated requests to Citibank, they are refusing to issue me a letter explaining what the status of my account is with them and what my rights are. 

Everytime i have called i was put on a collection s [ specialist overseas who refused to let me talk to a supervisor. My account number with Citibank is XXXX. My contact number is XXXX. Thanking you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09 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: LA

Complaint narrative:
Around XX/XX/XXXX, I disputed late payments on my credit bureau report with TransUnion Consumer Relations for an XXXX XXXX XXXX account # XXXX that appears on my credit report. They have reported the account 30 days late on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and the following months in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and 60 days late on XX/XX/XXXX and XX/XX/XXXX. The account is paid by automatic payment each month and I receive notice on the XXXX of each month of the upcoming payment and details of the remaining number of payments. On the XXXX of each month, I receive notice of payment processed. I submitted the copies along with XXXX 's XXXX bank statement showing that the payment had been made. TransUnion did not update my report to reflect that the payments were received and basically just sent me a copy of my credit report. Their cursory " investigation '' was done. They simply ignore any back up documentation that was sent. I want the late payments deleted from my account as the payments were made and each month XXXX received the automatic payment and sent an email stating receipt of payment was made. The report should reflect {$390.00} as the payment amount received and late pays should be deleted.

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 2018-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: PA

Complaint narrative:
QUALITY ASSET RECOVERY has been contacting for a long time about medical bills that are not mine. I have been disputing these accounts for a long time. More recently, on XX/XX/XXXX, i disputed both accounts reporting on my credit. One in the amount of {$1500.00} and the other {$1000.00}. On XXXX XXXX, i disputed again after disputes came back verified. I asked for method of verification. I have not received any word or feedback. The times i have called them to dispute, they refused. The rep was extremely NASTY AND VERBALLY ABUSIVE TO ME AND REFUSED TO TRANSFER MY CALL TO A SUPERVISOR. AT THIS POINT I NEED THE DEBTS REMOVED FROM MY CREDIT REPORT AND ALSO ALL CONTACT FROM THEM CEASED DUE TO THE ABUSE I'VE UNDERGONE. OTHERWISE, I PLAN TO SEEK COUNSEL AND SUE THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation