vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was attempting to access my free credit report via XXXX and requested it from Trans Union, XXXX, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking Trans Union, XXXX, and XXXX to send me my credit report, preferably online, immediately.

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 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have an old judgment showing on my report that should not be on there. There are XXXX bureaus that report your credit score. I have reviewed XXXX of them and XXXX has an old judgment showing unsettled and the other shows it paid. They are not accurate and it is keeping my score low. I do n't think they update their information on a regular basis because they definitely are not showing the same information.

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 2016-07-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I took out a installment loan with Ace cash express XXXX and I was making the monthly payments. I had on XXXX occasion called and spoke with the agent letting them know that I had to wait till my next pay date to pay my loan. The agent said that it was fine. My pay day was a week from when the payment was due. I then called to check and see the amount that was due when I came in that day. When I spoke to a lady on the phone she said that I was too late to pay a payment and that I had to pay the full amount. I told her that I did not have the full amount of the loan at that time. She told me that Either I have it all or go into default. which would entail being called and bugged at all times of day and night. Ace started calling me about XXXX times a day and sending me false emails that said that I owed about {$500.00} more than I the actually owed. I also had problems at work because they would call me multiple times at my work which untimely led to discipline at work, and finished with me being let go from that job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Featured Mediation, LLC
State: UT

Complaint narrative:
XXXX from Featured Mediation called and left a message on my home phone on XXXX/XXXX/15 at XXXX. She said she was calling for my brother ( who lives in another state ) to collect a debt. My number is unlisted and further more my brother and I seldom communicate, less than once a year on cell phone, he does n't even know my home phone. I did not return her call as this whole thing sounds fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc.
State: NY

Complaint narrative:
The debt buyer Dyck O'neal Inc has engaged in multiple deceptive, unfair, and misleading debt collection practices. Please closely review the violations listed below and supporting documentation I have included : 1. Dyck O'neal Inc purchased this " deficiency debt '' for only {$1.00} and then claimed I owe them {$100000.00}. However this is totally inconsistent with the final statement I received from the original creditor XXXX XXXX XXXX regarding this property which clearly states that the Balance outstanding was {$140000.00} and the Fair Market Value of the property was {$170000.00}, leaving NO deficiency and making this a phantom debt. ( see judgment assignment and XXXX XXXX XXXX Statement ) 2. The original action occurred XX/XX/XXXX, that is over 5 years ago. The statute of limitation in XXXX is only 1 year, making this time-barred. Also I am a XXXX resident and the statute of limitations in XXXX is only 90 days. So this also violates XXXX public policy. 

3. Based on the XXXX XXXX XXXX statement I provided, my drivers license, my credit report, my address has always been in XXXX. But based on the XXXX County Public Records website ( see printout from XXXX/XXXX/XXXX ), Dyck O'neal intentionally and willfully filed this lawsuit with a false XXXX address I have never lived. Potentially disclosing my information to a third party and commencing legal action and obtaining a default judgment without my knowledge. The sewer server service denied me the legal right to defend myself. 

Since I am a XXXX resident with absolutely no connection or contacts to XXXX. It 's difficult, inconvenient, and expensive for me get out-of-state legal assistance regarding this issue so I am desperate for the Consumer Financial Protection Bureau to assist ensure a fair resolution. 

I recently became aware of this after reviewing my credit report which dropped XXXX points. I also applied for a job, and after a background check they sent me a Fair Credit Reporting act notice ( see enclosed letter dated XXXX/XXXX/XXXX ). 

Not only is this embarrassing, but this illegally obtained judgment has devastated my credit score, damaged my reputation, causing me XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was denied Mortgage Loan Modification many times over the past 4.5 years. Every time they gave a different reason. ( They even CLOSED my file on numerous occasions ) citing " NOT RECEIVING THE DOCUMENTS '' ... .so my file did n't even make it to a reviewer.. 
I started sending the documents to a mediator, to their lawyers and also to them directly. ( Since doing this they did not tell me that the documents were not received anymore ). 
In earlier XXXX, they sent me a letter saying that they approve my modification request - the letter was dated XXXX XXXX. 

At approximately XXXX on Thursday XXXX XXXX, I received some documents from the Mortgage lender outlining the terms of the " modification '' ... ..which, if I were to sign, would eventually put me in a worse situation that I am in currently. ( They want me to sign and return the documents by XXXX XXXX ). 
They are trying to put me in a 40 year adjustable/variable rate mortgage which I think is real unfair business practices. 
Please investigate for me and if possible point me to an attorney who may be able to assist me with this .... 
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 explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Meridian Financial Services, Inc.
State: DC

Complaint narrative:
I am a victim of Identity theft. This has been reported to local authorities and the credit Bureaus. Meridian financial have been contacted in writing and I have shown them My Drivers license does n't match the fraudulent copy they have on file. They continue to report fraudulent information on my credit reports hurting my ability to conduct business and causing me financial harm.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
FOCUS FIN ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I cashed a check from a friend against my business account. About 1 month after I get a notice that the check had been returned and charged back the amount plus a fee. I contacted my friend and she got with XXXX XXXX XXXX and they supplied her with the documentation proving they had infact cleared the check. I have been going back and forth between my bank, Chase and her bank, XXXX XXXX XXXX and I am getting the run around and I am fed up!! I spent 4 hours on a XXXX way call on XXXX XXXX with XXXX XXXX XXXX and Chase and the lady from Chase basically said it looked like it was a mistake on Chase 's part. To this day I have yet to get my {$230.00} from anyone nor can I get an answer!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
ACE payday loan said that I owe {$940.00} but if I paid them now it will be {$300.00} everytimethe e-mail me it a difference figure. Them me to go and get a XXXX gift card but I will not do it because I think it is a scam.This said them was going to take me to court and then it will be more. 
Thank! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I took out a loan over a year ago that I could not pay. They have called and sent me emails threatening to have me arrested at work and to prosecute me for check fraud, among other things. They have shared my information with third parties as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MORTGAGE CLEARING CORPORATION
State: OK

Complaint narrative:
I have been trying to save my home from foreclosure since XXXX. I have a mortgage with a small local lender in my city. In XXXX, XXXX I begun experiencing hardships due to loss of employment and XXXX. I went to my mortgagor hoping to get some sort of relief, maybe a loan modification or forbearance agreement, anything! Long story short, I have completed XXXX loan mod applications, submitted all necessary documentation over and over and over again, made payments for as long as I possibly could and received NO help from my lender Mortgage Clearing. I also have a fixed rate, but every year the note on my home has gone up. My mortgage payments originally were {$700.00} plus, my mortgage payment is now XXXX plus monthly. I have never been approved for a loan mod or any other help. I have had a number of people at the loan company tell me that they will get back to me, that they lost my paperwork, that I 'm next in line for review or that they will call me back, but somehow my call is never returned. XXXX years I 've been given the runaround and Mortgage clearing serves foreclosure papers to a non-resident of my home. Again, three years I 've been making payments to the best of my ability and as soon as I fall XXXX months behind on my mortgage they foreclose on my home, no questions or help provided. I NEVER received any documents in the mail pertaining to the status of my foreclosure until recently. I received a letter advising me that summary judgement has been granted against me. I 'm baffled, I 'm in no position to move from my home, not only am I taking care of my elderly mother who resides with me, but I just knew that I was here to stay! This is my dream home. A very modest yet perfect for me home where I spend time with my children and grandchildren. I have a XXXX garden and a XXXX garden that I created for my XXXX sister. This home is more than just a house to me and my family, its what I 've striven for my entire life. It 's what I plan to leave to my children one day. I need help saving my home, I truly do n't feel that I 've been given a fair opportunity. I 'm employed and just need the opportunity get back on my feet and do right by my lender. Thank you for your time!!! I sure hope CFPB can help me save my home!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
Dyck Oneil ( Texas collection agent ) is attempting to collect on a mortgage deficiency related to a foreclosure on my Florida home in XXXX 2014. They have failed to properly validate the debt, including the original credit information, and there was no deficiency judgment on my foreclosure. The final sale and transfer was completed XXXX/XXXX/14 and the one year Florida statute of limitations on any deficiency action has expired. I have contacted them multiple times and they have continued to report this debt, with a new " start '' date on my credit report in violation of the FDCPA. Experian continues to report this date in error and will not remove it without additional confirmation from Dyck Oneil.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
For over XXXX years I have had a reverse mortgage on my home at XXXX., XXXX, FL XXXX. In XX/XX/XXXX due to my wife 's XXXX XXXX I decided to scale down my house and vacate the home with the reverse mortgage. For XXXX years we have been trying to submit a short sale Application to dispose of this asset. Based on an HUD appraisal in XX/XX/XXXX we were told we had to sell it for {$600000.00}. We immediately obtained a buyer for that amount in XX/XX/XXXX and submitted all the sale documents etc. to HUDs contract bank. Both my real estate brokers, myself and lawyer attempted to follow up and got no response for several months that summer ( during which our XXXX contact left the bank ). Finally in XX/XX/XXXX we were Contacted by XXXX and told that even though we met the price set, the appraisal had expired therefore we had to resubmit the short sale package, losing our XXXX due to the six-month delay This we did twice in XX/XX/XXXX and have still not been able to liquidate the house. While the property not being occupied has deteriorated to a great extent in the XXXX years of non-occupation so I have spent about {$60000.00} in XXXX fees, taxes, legal fees, upkeep, utilities etc. over the XXXX years. 
I am XXXX and living on retirement funds and can not continue to keep up the empty home. Which will continue to disintegrate while interest in excess of the house net worth continues to increase. The bank : Reverse Mortgage Solutions Loan number XXXX XXXX XXXX 
Spring, TX XXXX XXXX. 
I seek Immediate relief from any responsibility for this home and require your help to expedite XXXX to approve our sales contracts XXXX XXXX XXXX current address : XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: High Point Asset Inc
State: TX

Complaint narrative:
I keep getting calls at my work office and I have told them not to call me at work. I just got another one over the weekend and they said in a harsh recorded tone that I am a person of interest and if anyone knows me or knows were I 'm at that they need to call them and let them know. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: GA

Complaint narrative:
My mother 's home that is in a reverse mortgage caught fire in the kitchen. The home suffered smoke damage throughout ... There are two issues : 1. The contractor has not been paid by Reverse Mortgage Solutions , Inc . They are holding a check for over {$29000.00}. The check has been held for months. Obviously the contractor needs this and all future payments due immediately upon disbursement. 
2. The insurance adjuster representing the Mortgage company did not include all work needed to make the home livable again. The adjuster needs to return and accurately assess all damage so the insurance company will pay for completed work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IN

Complaint narrative:
There is a very strong case of fraud with what is going on with my loan account with Infinity Financial Services. I have been making over payments on my account and was told that the excesses would be applied automatically applied to my principal. This as been going on for some time. I realized however that these were not being applied and called their customer service 3 weeks ago. After discussing with a supervisor, my excess payments were calculated and she informed informed me that this would be adjusted to my principal and that I should get an updated balance but my payment due date would be adjusted to the current month. The statement balance was $ XXXX as at when we spoke. No adjustments were made after 4 business days, so I made another call. This time, a supervisor again, insisted on a different approach. He said he was going to apply my current excess payments ( $ 1900+ ) to my principal, rather than work it all back, and I should see the adjustment on the account within 2 days. I did see an adjustment 2 days later to be exact, my pay-off amount was adjusted to $ XXXX, when I calculated it, it was an adjustment of $ XXXX ( note that I did not record exact figures because I did not have a reason to be suspicious. Surprisingly, 4 days later this is again now re-adjusted to $ XXXX and my payment date remained the same. You talk about different answers or manipulation of figures, this is what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I have a lease with GM Financial. I have asked for the mailing address to be changed XXXX XXXX times now. Still nothing. Now I do not even get a statement.

Company response to consumer: Closed with monetary relief