vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NH

Complaint narrative:
Opened a gym membership contract for 12 months. Was contacted by Aldous and Associates who stated I owed somewhere in the amount of XXXX $ for being in breach of contract. Sent certified mail of bank statements proving 12 transactions of XXXX, confirming my fulfillment of the contracted agreement. Also provided my written and signed statement. Contacted XXXX XXXX XXXX many times, can prove with phone records in attempts to cancel the contract early but was told I had to complete the 12 month contract. There was no early termination agreement set in place. 

This is devious and and mis representing if the company does not stand by a XXXX month agreement. If you call any XXXX XXXX XXXX, they tell you over the phone the contracts are a one year only. My wife has called XXXX nh and XXXX nh locations to confirm this. If they have hidden clauses then that are Mis representing their contracts and clientele are misinformed as to what they are actually signing. 

XXXX XXXX XXXX also never sent me mail of this debt I owed. Instead they went straight to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: MD

Complaint narrative:
The loan gave a loan but I had no Idea that the interest rate would be so high. Itis over 300 % It seems I will never be able to pay the loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been XXXX  for 10 years, which would be 2009. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been XXXX for 10 years, which would be 2009. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX LoanCare XXXX  XXXX We started a short sale with LoanCare on XX/XX/XXXX. 

On XX/XX/XXXX we were countered to $ XXXX. On XX/XX/XXXX we emailed the increased offer ( $ XXXX ) along with the updated HUD. 

We called in several times since XX/XX/XXXX and were told yet again today XX/XX/XXXX that there was no ETA on decision. However, today they are claiming that the XXXX offer was marked too low on XX/XX/XXXX -- - I was never told about it when calling in, multiple times, over the past 2 weeks. The manager claimed that final decisions about existing offers are not made until underwriters completely review the file. Had no explanation as to how we were countered on XX/XX/XXXX since the underwriters had also not completed their review at that time either. 

*****When pressed further, the manager claimed that they are investor driven and do not care about any other law, and that investor guidelines supersede State and Federal Law. Additionally, they stated " California law doesn't faze me ''. 

Since we end up having to file complaints on every file we have with LoanCare it is apparent they are not training their employees at all. Their employees do not know the difference between a lien and a financing statement, do not know how to read a HUD, are attempting to act as title and escrow ( which is a conflict of interest ), and do not understand Lien Priority. They have a training program that seems to be based on learning from their mistakes and CFPB complaints. 

Please reference the following complaints that we have filed on LoanCare : XXXX XXXX XXXX XXXX For once we ask that LoanCare 1 tell the truth 2 dont try to commit a RESPA violation or other type of short sale fraud when reviewing their files. 

I want them fined the maximum of $ XXXX and for them to undergo training to learn how to properly service their loans. If they are refusing to adhere to their servicing obligations and are not willing to abide by California State and Federal Laws, then they need to be banned from doing business in the entire nation. 


CC : For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair

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 2019-06-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove these accounts, I have sent a copy of my report from XXXX that shows 2 accounts with XXXX XXXX were deleted because the bureau was not able to verify, also shows 2 accounts under XXXX XXXX also have been remove, all since XX/XX/XXXX ... ... 3 letters later and yet XXXX or EQUIFAX have done nothing, XXXX  has failed to provide me for a release form where I signed to release my PHI ( which is in hippa violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I applied for a {$5000.00} loan online and I've been speaking with someone named XXXX XXXX who claims to be from Prosper. However, he wants me to get him {$1900.00} dollars worth of XXXX gift cards after depositing {$1900.00} in my account. This was somehow to get me the {$5000.00} that I applied for.

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 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I paid off my Nationstar mortgage on XX/XX/2019. Since then I have been unable to get my escrow funds refunded. 
Questions that they refuse to answer include : > What amount was applied to principal to pay off my loan? 
> What amount was applied to my final loan interest? 
> How much can I expect to get as a refund? 
> Why was I charged an extra {$35.00}? 
> When can I expect to get my money? 
> Do you intend to pay interest on these funds because you kept them for so long?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listed as an authorized user on an XXXX XXXX account that was opened XX/XX/2018 with a credit limit of {$5000.00}. Equifax has neglected to reflect this tradeline on my report. The owner of the card has reached out to XXXX XXXX and they have said it should be reporting to all three major credit bureaus. Equifax continues to neglect in reporting this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
For the last 4 days I have had issues getting information off my credit from Equifax. I have verified my full name, social, address, date of birth and issues related to me. I have had to be on the phone over 30 minutes. I have faxed information including my driver lic and social to equifax. to remove error off my credit. to no prevail I am repreatedly told I have to fax the same documents over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
The company has added all types of fees to each of my accounts, XXXX of dollars. When I ask for a itemized list of charges, they send a total of what I owe, that is it. They ignore my letters and phone calls. They have lied in court about total amt. of debt. I have received nothing but false totals since I started with them. I just want correct totals so I can pay and close the files and start anew. Please help, nothing I say has changed this company policy on how they go about collecting there debts. I have been paying monthly and still they garnished all bank accts. even my childrens ( where they got the bulk of monies ) and them while paying monthly still went ahead and garnished my wages. This is bullying me to pay more money then I have. Not a nice company at all.

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 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
This is about an escrow error that resulted in a county tax  penalty. 

At the time of closing of my mortgage on XX/XX/XXXX, a prorata portion of two county tax bills ( {$1400.00} and {$2500.00} ) was collected for the period of XX/XX/XXXX ( date of closing ) through XX/XX/XXXX. Additionally, 4 months of escrow was collected at closing for these tax bills, and monthly escrow was based on both of these tax bills. 

A total of {$3900.00} was on Quicken/Rocket Mortgage 's " estimated payout '' schedule for XX/XX/XXXX ( this amount is the sum of {$1400.00} and {$2500.00}, both delinquent after XX/XX/XXXX ). The {$1400.00} was paid by Quicken for taxes as scheduled, but the {$2500.00} amount was not, and I was not notified that they did not pay it to the county. Instead, Rocket Mortgage notified me that my escrow was overfunded and returned {$2000.00} ( approx ) to me, without identifying the fact that they had not paid the my tax bill. There was still more than sufficient money in escrow to pay that bill I did mail a check to the county tax in the amount of {$2500.00} to cover the tax, but a penalty of {$260.00} has been assessed which I believe Rocket Mortgage should cover because they collected for the tax at closing, collected for it in the escrow, included it in their payout schedule but didn't pay it and didn't notify me that they weren't paying it. I notified them of the problem and my claim for the penalty amount on XX/XX/XXXX, and they denied my claim on XX/XX/XXXX. They said it was a supplemental tax bill. I did receive a supplemental tax bill ( other than the two listed ) and I paid that. That bill had a different due date. The tax bill in question may have been a supplemental tax bill for the previous owner, but it wasn't for me. If Quicken Loan hadn't collected for it at closing and in escrow and in their payout schedule, I would have paid it because I went online at the county tax records to verify what was due in comparison to what Quicken was scheduled to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called a credit card company to start a balance transfer in the amount of XXXX and XXXX to pay off my credit card and yet this is my second complaint that Im filling and again Wells Fargo put my payments on hold 11th time since my account is open on XX/XX/2018 .. and Im so tired of this and they putting my checks on hold and they are legit and I provided faxes to Wells Fargo and they kept saying they never received it and I went to the branch and Im getting a message from that banker that I have to wait 4 days for the hold released but I was charged for faxes around XXXX bucks and my time and my money was wasted ....

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 2019-06-03 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: CA

Complaint narrative:
two inaccurate car loans ( XXXX XXXX ) are reporting under my name these are inaccurate and fraud accounts reporting under my equifax credit file only. i have been sending my police report identity theft report and the FTC report as well, but they have not been helpful at all, please have these irrelevancies removed and please help me as a consumer to needs protection from these bureaus, m have equifax removed these irrelevancies from my credit file thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I disputed the information on my credit report because I have been relatively homeless 2014. I have been unable to sustain employment and am just getting back on my feet. I checked my credit because of potential housing and saw accounts that I didn't open. After disputing them with XXXX, I was told they were verified accurate. I don't even have an ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union, XXXX and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-06-03 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Linebarger Goggan Blair & Sampson LLP
State: NY

Complaint narrative:
I am being pursued to make payments on an XXXX account that I am currenly using. The amount being so called requested is now up to {$800.00} which I am refusing to pay. this account was opened in XX/XX/2018 and the XXXX is and has always been in my car. The City of XXXX XXXX and The State of New York and now a LAw firm in Texas wants money. There not going to get any money from me. 

New York State takes money out of my account each and every month for my XXXX tolls and saying I owe them money and now facing fines of & XXXX and revokeing my car registration. I couldn't give XXXX if they have my vehicle on cameras. MY XXXX IS ATTACHED TO MY WINDOW AND HAS BEEN IN MY VEHICLE SINCE XX/XX/2018 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 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Earlier today I got a junk call from someone wanting to consolidate my credit card debt via a XXXX XXXX card to be issued bearing zero interest. 

They seemed to know what credit cards I have and said they got the information from Experian. I do have an account with Experian but have received no alerts from them. 

I'm quite upset that an obviously unscrupulous person or organization has access to my credit information from Experian. I thought the whole idea of Experian was to monitor fraudulent inquiries. 

I don't know what to do. It is impossible to speak with a live person at Experian. I don't know why I should continue to do business with Experian.

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 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MD

Complaint narrative:
Received a phone call on XX/XX/XXXX from XXXX XXXX XXXX telling me a civil complaint was filed against me, gave me a phone number to call XXXX and a claim number : XXXX. The company I called said their name was XXXX and they had a complaint about debt to Bank of New York/Mastercard for {$6700.00} from XX/XX/XXXX. If I agreed to pay it off today, it would be only {$4200.00}. If I didn't pay they would garnish my wages. I explained I never did business with Bank of New York or MasterCard and this debt didn't belong to me. I asked for written proof and was told that many letters had been sent to my address. I never received anything. I was told it was " too late '' for that and I had to make arrangements right away. They had my social security number and date of birth as well as my name and address. I am afraid they will use this information to steal my identity or some other criminal activity. I hung up after telling them again to send proof. I also sent them a letter stating the same thing. I received another call that day, and one again today from XXXX telling to call the XXXX number  regarding a civil complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
They have been calling saying we owe XXXX but they can do a hardship now and we can make 3 payments of XXXX starting today. They said they are from XXXX XXXX XXXX and if it is not resolved today then hsbc which is closed according to the woman we spoke to. That hsbc will be sending a law suit to XXXX County for the full amount and we will be required to pay the full amount in court. They knew all of our information last two places we lived last four of our ssn. They emailed us a letter with an address of XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. Phone number XXXX. I have called hsbc bank to see if they have any information for an old account and they do not. I called XXXX XXXX because the woman said XXXX XXXX took over the company. But XXXX XXXX had no information. I called XXXX to see if they had any information on this on my husbands credit report and they have nothing. The woman who called us also mentioned that this account is old and will not show up on our credit report.. which was weird to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
I went in and got a small loan 2 weeks after receiving my loan they started calling me two and three times a day for my payment when my payment wasnt even due. Then they would leave many voicemails two and three times a day as well as calling my references two and three times a day before the 1st payment was even due

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 2019-06-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The account # XXXX for the creditor : XXXX XXXX XXXX XXXX has been paid in full and should show a XXXX balance. The report from Equifax shows a balance of {$11000.00} which is incorrect. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX on report # XXXX ( from XXXX ) for credit XXXX XXXX XXXX XXXX has been paid in full and shows a balance of {$11000.00} on my report. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full. 
The account # XXXX*** on my XXXX  report ( # XXXX ) shows a incorrect balance of {$11000.00} which should show zero and account paid in full. 
I attached a copy of the Title for the car which I received once the car was paid in full. I didn't receive a final statement showing the account paid in full.

Company response to consumer: Closed with explanation