vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
We have been receiving phone calls to my wife 's cell phone from Diversified Consultant Inc. We have attempted to block their number ; however, the following day they would call from a different number. Calls are received everyday around XXXX XXXX  and around XXXX XXXX. Here are some of the numbers they have used to call us : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX It appears to be a collection agency. We have no outstanding debt that would require debt collection. 
We have spoken to someone from the company named XXXX. He said they would remove our number from their list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
was solicited to open platinum credit card. After the required spending, they " froze '' my points

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
A Representative named XXXX XXXX called me today XX/XX/2018 at approximately XXXX XXXX, XXXX and XXXX pacific standard time, harassing me about a trying to contact a person named XXXX over a debt and that this person used me as a referral. When I told her that I don't know this person nor her whereabouts she threatened to personally come to my home and do something to me. XXXX XXXX also said she would send some legal letters to my home. Total harassment. 


I don't know this person and I don't want this type of phone call and harassment and the threats.

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 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Back in 2017, I was the victim of an auto theft in which my wallet was taken. I filed a police report about the matter and continued on with my life after walking away from the incident safe. Early this year I started noticing random accounts appear on my credit that I did not authorize nor did I apply for these fraudulent accounts. Some of my very important personal information was inside of the wallet and I have reason to believe that my social security number may have been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DCN Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/18, XXXX XXXX, a claims agent with XXXX sent a letter to the owner of the company I work for demanding I pay a debt that I have not validated. He disclosed the balance and gave me 7 days to pay a debt or they would send me to collections or refer my case for commencement of litigation in court an that they would advise their client to pursue legal action against me ( see attached email ). I called them and advised them that they can not send this type of information to my employer. " XXXX '' never gave me his title or last name, told me they can and that they have not violated FCRA. They claim I gave them my email. I assure you I did no such thing. My email is similar to the owner 's email and I have gone to great efforts to avoid my emails going to him or his to me, my email does not involve my last name. XXXX took a chance that the email they used was mine ( based on first and last name and the company 's standard ending ) but instead sent this threatening Information to the owner of the company that I work for. I fear they will continue this practice and ask that they properly learn that this practice is a FCRA violation and that I am compensated for the embarrassment suffered due to their actions. They had my correct address, why did they not mail me the letter. The email was a direct attempt to cause me embarrassment or employment loss. 

XXXX XXXX XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Direct XXXX Fax - XXXX ( See Attachment )

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 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/2018, I spent {$800.00} purchasing a Moneygram money order at a XXXX store when I was traveling in Rhode Island. The purchase fee is {$0.00}, and the amount on the money order is {$790.00}. I have the receipt from XXXX and the original money order in my possession. 

On XX/XX/2018, I used the mobile app of XXXX XXXX XXXX to mobile deposit the money order into my checking account. I thought there's no problem with this money order. However, on XX/XX/2018, I received a phone call from XXXX XXXX XXXX saying that my checking account has a negative balance because Moneygram only pays {$11.00} for the {$790.00} money order I deposited on XX/XX/2018. 

I called Moneygram to get clarification on this issue. The representatives I have talked to include XXXX, XXXX, and XXXX XXXX XXXX works for the paper product 2 department, escalation department for money order concern XXXX. They checked their system and insisted that the money order only has {$11.00} on it. How could that be possible?? I have the money order in my possession right now. It clearly has {$790.00} printed on it. I also have the receipt showing that I paid {$800.00} for the money order using debit cards. What's wrong with Moneygram 's system? Where did my money go? I purchased a {$790.00} money order but got paid {$11.00} by Moneygram. Where did the difference {$780.00} go? Moneygram representatives are not willing to help. I need the money to pay my rent!!! This issue has been making my life miserable. I can't focus on my job and I have to worry all the time about where my rent money comes from. 

Here 's some detailed information about the money order : serial number : XXXX Amount : {$790.00} purchase date : XX/XX/2018 purchase location : XXXX store, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX XXXX  store manager : XXXX XXXX XXXX  phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The last year 2017, my car was stolen in which my wallet was inside containing most of my personal information such as drivers license, social security number, and other sensitive info. I didn't think much of it seeing that I reported the incident but later on I would notice some weird changes. I started noticing new accounts appear in my debt collections that I had no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: FL

Complaint narrative:
I was in a near fatal car accident on XX/XX/XXXX, I had full coverage including personal injury protection, the other driver also had full coverage. After some minor medical procedures and therapy I was back in good health. Some of my medical appointments were at XXXX XXXX and the billing/payment process was delayed by my insurance company until they could coordinate with the other driver 's insurance company. After about a year the other driver 's insurance company settled, but during that time frame I personally received numerous collection attempts ( even though I was covered ). My credit report still shows an {$82.00} dollar collection from Suburban Credit Corporation despite the bill being settled by my attorney almost two months ago ( XX/XX/XXXX ). I have called numerous times to request removal and they keep saying it will be off next week. This is negatively impacting my otherwise flawless credit history and effecting very important loan rate quotes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ambassador Mortgage, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX I'm writing in regard of services I received from Ambassador Mortgage. The services where unsatisfactory. During the month of XXXX me and my spouse where pre-approved for {$220000.00}. We had three homes inspected along with the appraisal. This went on for nine months the broker could never close the deal and get the final clear to close. She would ask our Realtor at the time was XXXX XXXX with XXXX XXXX XXXX for extension after extension this went on for 2 months with no closing date. She was not able to secure our mortgage. She coerce use into the lock in rate. Her fees consist of {$400.00} lock in rate, {$250.00} transfer paper from one house to another, {$170.00} consultation fee, appraisal {$570.00}, Home inspection for three homes totaling {$750.00}, credit bureau {$26.00}. We are out of {$2300.00} XXXX XXXX Owner Ambassador Mortgage XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, La XXXX XXXX.She was not able to secure our mortgage. She coerce use into the lock in rate. I would appreciate your assistance in resolving my complaint. If the matter is not resolved with a refund, I will seek small claims court and let a judge decide

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX I contacted my mortgage bank, Fifth Third Bank, to question how my escrow payment would be adjusted if I paid the first installment of my XXXX taxes in XX/XX/XXXX instead of XX/XX/XXXX. I wanted to do this so I could claim this payment on my XXXX tax returns. I knew my deduction would be limited on my XXXX tax returns due to tax law changes. The Fifth Third representative told me that they would make the payment for me as they were for many of their customers. I confirmed that I wanted the payment made by XX/XX/XXXX. 

In XX/XX/XXXX I received my Escrow Statement which did not show the extra payment. I contacted Fifth Third and they told me that they did not make the payment because they did not have a tax bill. I asked why they did not contact me before the payment deadline and they had no explanation. 

We had several discussions where they kept apologizing but offered no compensation for my lost tax benefit. I have calculated that I lost {$1800.00} due to their negligence. 

I hired an attorney to send a letter to Fifth Third on my behalf. We submitted our first letter on XX/XX/XXXX. We received no response. We sent a follow-up letter on XX/XX/XXXX. We still have not received a response. The letters were sent via certified mail so we know they were received. 

We would like your help to get Fifth Third Bank to respond with a payment of at least {$1800.00} and cost of legal services. Their lack of and response is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I filed a claim with my Insurance company, XXXX XXXX, in XX/XX/XXXX. The claim was for hail damage to my roof. XXXX XXXX came out, seen the damage and approved the claim. They sent me a check for {$5400.00}. It had my mortgage company too, Carrington Mortgage on the check due to having a current mortgage. I was told to call them once I receive my check to see how I can get the funds. I called Carrington on XX/XX/XXXX and they told me to sign the check, which I was adamant about but XXXX told me that's how it was done. She told me they could only hold the check for 2 days. On XX/XX/XXXX, I called to make sure my check was in the mail due to them receiving it XX/XX/XXXX. They said they are holding the funds, until I send them paperwork. They sent me a packet of papers to fill out after I mailed my signed check to them. They said I needed to get those in then they could give me 25 % of the check to start then they have to come out and make sure I'm doing it. Take in mind, my roof is leaking, so he's it will be done. I'm not that person to take the money and run. I argued and said that they need to train there employees because XXXX failed to tell me any of this. I called XX/XX/XXXX again, my contractor backed out because they haven't had to fill out paperwork and can't start the work with only 25 % down. So my fiancee and step dad talk and agree to get this roof done before any other damage. So on the XXXX I tell them I need the funds so I can get this fixed. They said I don't get the funds until I get a licensed contractor. After arguing and crying, I got no where. The paperwork states if my loan is current, the check is under 15,000, all I need to send them is the estimate from XXXX XXXX, the declaration of intent to repair and the UNENDORSED check. And that I could act as my own contractor so I don't need a licensed contractor unless the check is over 15,000.  Well hmmm, they had me sign it, now are refusing to let me fix my roof. The funds are just enough to cover, because my roof isn't big. Another contractor bid was way over the amount I was getting. And other contractors are booked for several months. My roof needs fixed and I need my check. They lied and had me sign it and now are refusing to give me my funds. They can't tell me who can fix my roof, but now they have messed it all up. As of XX/XX/XXXX, they still have the check. They said they could only hold it for 2 days. They are a bunch of scams. I didn't choose this company, they bought out XXXX who I originally had my loan through.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I noticed that there was another unauthorized hard inquires from CITIBANK on XX/XX/2018 on my XXXX  and XXXX credit report that i did not make, i've made several calls to CITIBANK, XXXX   and XXXX  to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  and XXXX  i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, XXXX and CITIBANK is working together using my info TO OBTAIN 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 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my XXXX and Equifax credit report that i did not make, i've made several calls to XXXX, XXXX   and Equifax to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX and Equifax i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, Equifax and XXXX is working together using my info TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my Experian and XXXX  credit report that i did not make, i've made several calls to XXXX, Experian and XXXX to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian and XXXX i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian, XXXX and XXXX is working together using my info TO OBTAIN 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 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/2018, I gave authorization to XXXX  XXXX XXXX to do a credit check based on the offer provided over the phone. Credit check was done and then they send the email for confirmation. In the email the offer were not the same as provided on the phone call. Hence I cancelled the service immediately before it got activated and request the customer to make sure the credit check that was done is removed my authorization were based on the offer provided over the phone. They said they will take care of it but until today XX/XX/2018. I tried to call XXXX & XXXX  XXXX XXXX customer support regarding the same but they have be just kept on transferring my call but none helped me and at the end they me on hold without any response ( the call went 40 + minutes ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Daily phone calls beginning in XX/XX/XXXX. 
Mutiple phone calls a day starting in XX/XX/XXXX. 

Receiving phone calls from the following numbers : XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX XXXX XXXX called 2x XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX I eventually had to place 5 numbers on a 90 day block due to the increased frequency of calls each day. One number will also call, and a few hours later I will receive a call from a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NV

Complaint narrative:
XX/XX/XXXX I had severe damage do to my home because of 35 feet of snow in 20 days. It was a natural disaster, historical for the XXXX area. My home has been under construction since XX/XX/XXXX after the snow melted. I have a XXXX child that has in home therapy that had to be changed to 50 miles away from our home because of construction with meals outside of our home because of lack of use of our kitchen. Our homeowners insurance company XXXX has taking up to 8 months to approve the repairs. So permits have lapsed and winter weather restrictions have pushed this construction back. I have notified my mortgage company XXXX numerous times before I got into financial problems and have applied for a homeowners assistance program/loan modification. I have been denied twice. I want to stay in my home. I am a XXXX XXXX year old ( XXXX ) and have a severely XXXX child. I will mail you the corresponding documents by mail. 

Please help ... ... Tell me what to do next!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Systematic National Collection, Inc.
State: NJ

Complaint narrative:
I went to a seminar on XX/XX/2015 called " XXXX XXXX XXXX XXXX '' by XXXX XXXX XXXX right after graduating high school. Being young and XXXX, this company suckered me into signing something that I regretted immediately after. Almost everyone in the room signed up for the program and they were mean to anyone who didn't sign up so everyone felt pressured to pay. This seminar was full of unethical persuasion tactics telling customers that if they sign up for the program, they will soon become millionaires. 

I knew that I didn't have the money to pay for this program and I tried to leave but they would not let people leave until the seminar was over and everyone talked to a representative. 

For the people such as myself that did not have any money, they made us call our credit card companies and try to increase our limits to buy their program and I didn't even know what that meant at the time. 

There are numerous reports online about how this company has aggressively pushed people into buying their products and using cult-like tactics to persuade young kids to sign up for their programs. 

I would like this removed from my credit. I am a responsible citizen and won't let something like this happen again. I learned my lesson to not let people force me into signing up for something when I am not comfortable. 

Complaints from other unhappy customers : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation