vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
They have called my work and all my reference after being told not to and they told where they were from and we are working with a debt consolidation and they just out of the blue on XX/XX/2019 said if you are working with a debt reduction consolidation company we dont work with them so pay your bill. I did not mention nothing about that. They call four or five times a day to my cell and call my references and give name and company. That is against the law for people to know my info. They threatened me that I better pay or else. It started day one after late and now its ten days later and they are still doing it. My husband has account there to and they do him the same way but he is not late yet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
We purchased the vehicle in XXXX of XXXX. Since then we have had XXXX children ( both XXXX XXXX XXXX and lost wages ) I am currently XXXX with our XXXX baby. We had to move and in XXXX of XXXX I made a payment and was told it was for XXXX. Today XX/XX/XXXX, I spoke with XXXX. She states that I now owe for XXXX, XXXX, and XXXX and that a right to cure letter was sent to my current address ... that we moved to 7 days ago, stating that we were in default and had to be completely paid by XX/XX/XXXX. I explained we just moved to this address and I never received the letter. She said regardless I needed to pay by Saturday morning. I do not have the find until XXXX and explained that multiple times. She stated I needed to pawn items, borrow money, get a payday loan ( which are illegal in Arizona ) or she would start calling the references we provided to ask for money. I asked what would happen if I didnt pay by Saturday and she refused to tell me. She said she would notate the account. Its currently 68 days past due as of today the XXXX. I am receiving a settlement payment around the XXXX and had planned to make it completely current then. They have also reported me late multiple times in one month to the credit bureaus so its hitting my credit 3-4 times a month.

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 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been passed due on a credit card by one day with Syncrhony bank and they call me every single hour of every single day including weekends. Its becoming abusive and disruptive and uncalled 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 non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
Repetitious calls from a third party company XXXX XXXX XXXX XXXX by very rude customer service agents after I have repeatedly asked them not to call me about the second party company XXXX XXXX XXXX XXXX XXXX XXXX intention to collect a debt for the first party company XXXX XXXX XXXX XXXX. I don't keep records of the phone calls ( 2 to 3 Times a week ). The unresolved debt is XXXX to XXXX XXXX XXXX. I have called XXXX XXXX XXXX on several occasions to speak with an company official regarding handling this but only to be connected with a outsourced communications company handling their phone calls in some third world country and was unable to resolve any issues. I have tried to communicate with XXXX XXXX on 2 different occasions to discuss the matter but was connected with a very rude CSR demanding payment immediately and that I was to provide her with all my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I wasn't aware of the derogatory remarks made to my credit score until XXXX of XXXX while trying to apply for a loan forbearance. Last year in XXXX and XX/XX/XXXX Nelnet made derogatory remarks which impacted my credit score. I have attempted to apply for a forbearance due to my financial situation at that time. Upon contacting Nelnet they state that XX/XX/XXXX was the first time I reached out to them to discuss my past due balance, which is incorrect. I know for a fact that I spoke with someone prior to XXXX. As a matter of fact I've had numerous issues when contacting them, but I remember it because I was calling regarding my application and they were having computer issues of some sort. I have applied for a financial hardship of some sort and it had not been processed or processed correctly. I have made every attempt to keep my student loan in order and have called numerous times throughout the years to check on my status. Now due to some mishap that happened, I am the one who is paying the price with derogatory reporting. Never once did they let me know that they had reported it until I pulled my credit score. It was unfair how this took place, as I've followed up to make sure that forms were completed properly. Just to mention half the time that I spoke with someone there they always gave me the run around and no one knew what they were doing and every time I called I got a different answer from everyone. It was my mistake I wasn't into detail to take notes as I was always getting the run around. I have sent them a letter XX/XX/XXXX and still haven't heard anything back. I am attaching a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Midwest Recovery Systems
State: CA

Complaint narrative:
XXXX alerted me to collection on credit report. 
Called all 3 credit reporting, XXXX XXXX & XXXX to file dispute on Midwest Recovery Systems. 
Never heard of original creditor XXXX XXXX, nor Midwest or debt. 
Phone numbers to contact Midwest do not ring. Only dead silence. 
After reading XXXX complaints learned this is their common practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I paid off my current mortgage with SLS.net, the new lender XXXX XXXX paid off the balance due to SLS on XX/XX/2019, SLS is holding my extra payment to them since then. 

I have contacted them several times, they have said they would send out the check and they haven't, I called again, now they want me to wait another 30 business days. 

They are holding my funds and are playing games. 

I need the money back to make my payments. Its not right that they are holding my money for no apparent reason.

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 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: NC

Complaint narrative:
My name is XXXX XXXX I'm currently in the hospital and my wife is having trouble with my account she opened on my behalf. Recently she submitted from my account our Mortgage payment in which the mortgage company received and now it's been taken back but the amount that was taken back shows up on my account as a debit for more than my wife orginally sent. Instead of XXXX its XXXX being debited. They refused my wife access to see what's happening. I need some assistance

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 2019-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
In XXXX of XXXXXXXX  the state of Florida was hit with hurricane Irma. The state was declared a natural disaster. My husband and I contacted our mortgage company Planet Home Lending and they advised that we could have our loan modified due to this disaster. We advised Planet Home Lending that we had expenses associated with the hurricane, for example we had no power for over 3 weeks, we had some property damage that did not meet up to the insurance deductible. We were approved for a trial modification after the mortgage company instructed, we need not pay for 4 months. We paid the amount through the trial period and we were finally approved for the final modification. A title search was done, and Planet Home Lending indicated that there was a lis pendens filed by our homeowners association for a {$58.00} per quarter assessment. We informed Planet that we were in litigation with the association because the claim of lien and lis pendens were both fraudulently filed as we paid the assessment. We were advised by Planet Home Lending to continue to pay the trial amount while litigation was pending. In XXXX of XXXX Planet advised us that they could not wait for the title to be cleared up, so our modification was denied citing cloud on title as the reason. Subsequently, our credit was reported as delinquent for more than 90 days and our credit score plummeted by almost 100 points. The denial letter advised we could appeal the denial in writing. in addition, Planet refused to accept any further mortgage payments from us. I did the appeal of the modification in XXXX of XXXX. Planet advised that I needed to resubmit a borrowers assistance package and bank statements. We did as request. Planet Home Lending would call at least 3 times a week requesting extra documents, we complied with the request within 24-48 hours each time. On XX/XX/XXXX at XXXX Planet Home Lending advised us that our mitigation package was complete and is with underwriting and we should receive an answer within 30 days. On XX/XX/XXXX one day after we were told they had the modification in process we were served with foreclosure documents. I contacted Planet Home Lending on XX/XX/XXXX at XXXX wanting an answer as to why we were receiving foreclosure documents when we were in constant contact with them, in modification and not just a new modification, an appeal of the modification request from XXXX. It is our belief that Planet Home Lending deceived us and treated us unfairly. In addition, I believe Planet is in violation of Regulation X, wherein we were in active modification process and then a foreclosure was filed. We need some assistance and guidance. Our credit score is damaged, and we could lose our home. I am attaching a copy of the Modification denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.

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 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/2019, the lien holder XXXX XXXX XXXX reported to the bureaus that my account was closed ( which it was not ) and added a remark that there was an involuntary repossession ( which it was not ). After speaking with them they advised that no one in the office reported that information ( lies ) So once I disputed it, the account was reopened and the remark was removed. That inaccurate information caused my credit score to decrease 128 pts. I have contacted them multiple times to ask when will my credit score be restored due to the inaccurate and incorrect information being reported ; I was told they didn't know how long it would take for my points to be restored and after requesting to speak with supervisors on multiple occasions I was then told that my score will be restored after 30 days of the closing of the dispute. The closing of the dispute was around XX/XX/2019 and has since been thirty days and no change.

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 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I XXXX XXXX will not dispute the true ownership on debts with Capital One, however, I did go through a very serious medical problem starting in 2017 that is now behind me. This problem caused me to fall behind on several credit items, but now I am 100 % healthy and wish to make amends with my last creditor Capital One. Even though Capital One shows charge off amounts of {$4500.00} and {$2000.00} respectively, those numbers consist of 180 days of penalties and interest applied within the 180-days pre-charge off timeline. This timeline is established under Code 5000 FDIC specifications of debt between standard ad sub-standard debt. In essence both credit cards accrued approximately 22 % extra basis of debt between the last payment date of XX/XX/2917 and the charge off month of XX/XX/2017. Essentially, the basis of both charge cards collectively was {$1400.00} less that the total accrued amount of {$6500.00}. I believe the true basis of debt on the last payment date was {$5100.00}. I therefore offer a one time payment of {$3000.00} or 60 % of basis to settle these accounts in full. I believe this is fair and reasonable. Please reply to my personal email address and by regular mail to my home address so that we can resolve these accounts as quickly as possible. Thank you for your cooperation and consideration in these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
1. The complaint is that after damage to our home from a hail storm in XXXX on XX/XX/XXXX Farmers Insurance ( FI ) did not cover replacement for our roof, our mid-modern home had a tar and gravel roof-after 2 years we sued FI, while claim money had gone to our bank at the time EverBank which is now XXXXIAA. Years later after settling with FI a portion of our money had gone to TIAA bank. Then due to our roofer suing us ( breach of contract ), the held money had still remained in escrow with TIAA and we still did not have a new roof. This money was held in two amounts before our roof replacement ( {$60000.00} ) and after ( {$37000.00} ) which is subject according to the Texas Insurance Code Chapter 557 to 10 % interest per year held. I sent several letters to TIAA but they had responded on May 31, 2019, demanding more home inspections for another claim from a flood incident from XXXX. We feel the money is still owed and wrote a letter to TIAA demanding payment of the interest on the funds held over a 44 month period and amounts to ( {$17000.00} ), to be verified by TIAA. We also agreed in the letter to have the floor work done to our home and comply fully to having the house inspected for the flood damage in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
Northstar Location Services is trying to collect on a debt that I do not owe to them. I've never heard of this company, I've never done business with them, and they have no provided any validation of this alleged debt. Please let this notice serve as my formally disputing the debt, I've also attached a copy of a letter that was sent to them. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: AZ

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting the incorrect credit limit amounts on the XXXX  XXXX  partial account number XXXX ; XXXX  XXXX partial account number XXXX ; and XXXX  partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
At the end of XX/XX/XXXX, around XX/XX/XXXX, I received a bill from XXXX XXXX for {$140.00}. My usual bill was {$55.00}. I called on XX/XX/XXXX to find out what was going on. They informed me that my bill went up as an introductory offer ended. At that time, I had already paid my usual portion of the bill. Unable to come to any agreement with a new price, I cancelled service. XXXX XXXX told me to wait until I received a box from them and then mail equipment back ( which I did ). I waited until the end of XX/XX/XXXXto receive a final bill. I paid the remainder of the triple bill as well as the first week of XX/XX/XXXX ( check XXXX for {$100.00} ). XXXX XXXX is reporting that I need to pay for the entire month of XX/XX/XXXX, even though service was terminated on XX/XX/XXXX and equipment returned the following week. They have turned the bill over to a collection agency " Convergent '' who is calling up to 5 times a day at all hours. They have told me if I don't pay they will be sending police to my house to arrest me. They have called at XXXX in the XXXX ( waking up everyone in the house ). I have tried to talk to XXXX XXXX but their response was " this is our policy. You have to pay. There is nothing I can do ''.

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 2019-06-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, I DID NOT AUTHORIZE ANY TRANSACTIONS TO THIS ACCOUNT. PLEASE IF YOU CAN KINDLY CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE DEROGATORY ITEM DELETED OFF MY CREDIT.

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 2019-06-27 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, I DID NOT AUTHORIZE ANY TRANSACTIONS TO THIS ACCOUNT. PLEASE IF YOU CAN KINDLY CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THE DEROGATORY ITEM DELETED OFF MY CREDIT.

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 2019-06-27 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: AZ

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting the incorrect credit limit amounts on the XXXX  XXXX  partial account number XXXX ; XXXX  XXXX partial account number XXXX ; and XXXX  partial account number XXXX. ( Please see page XXXX of the attached credit report. ) This incorrect reporting of the credit limits is hurting my credit score. Please remove these line items from my credit report.

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