vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 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: NY

Complaint narrative:
Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and   XXXX    report that I did not authorize and had no knowledge of. I contacted Transunion and  XXXX  immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.     Transunion   : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX  7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   1.  XXXX   XXXX   XXXX   XXXX   2.  XXXX   XXXX   XXXX   XXXX  ,  XXXX  3. XXXX   XXXX   XXXX   XXXX   XXXX  4.  XXXX    XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  8.  XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX  DOUBLED TAXES/INSURANCE in escrow.    XXXX   XXXX   XXXX  - Letter stated payment would go to {$1400.00} on  XXXX   XXXX   XXXX  from previous monthly amount of {$1100.00} *Discovered their escrow include my yearly taxes and insurance doubled  XXXX   XXXX  - made payment of {$1100.00}. invoice said {$1100.00}  XXXX   XXXX  - Made payment of {$1400.00}. invoice said {$1400.00} I paid on phone with rep who said they would do an escrow review to resolve the issue with double tax/insurance on escrow . * T his is over payment of {$260.00} for  XXXX   XXXX   XXXX  - made payment of {$1100.00}  XXXX . invoice said {$1400.00}  XXXX   XXXX  - made payment over phone of {$1100.0 0} (   XXXX ? ) after several harassing phone calls to me about payment overdue discussed the issue with double tax/insurance in escrow. On phone for  XXXX  mins and then they disconnected me. Called back and was on phone  for 45  mins spoke to  XXXX  and  XXXX   (  tax dept ) no number given.  XXXX  stated she could see the double escrow and it just needs to be removed. Told them I would be reporting the issue in 15 days if this is not properly resolved.    XXXX   XXXX  - Called again to resolve the " overdue '' after I received letter in mail dated  XX/XX/XXXX   XXXX   XXXX  - made payment of {$1100.00 } (   XXXX ? ) invoice said {$1700.00}.    XXXX   XXXX  - after several phone message to me from SLS I returned call. On phone for 30 minutes. They said they have not received payment for  XXXX ! I once again asked if they had issues resolved and also what happen to my (  2 )   XXXX  payments. Was disconnected again.    XXXX   XXXX  - Billing invoice for  XXXX  states I owe {$2900.00} which doubles what they continue to incorrectly bill me for my monthly invoices ( {$1400.00 } ).      By my account they owe me : - {$1100.00} double  XXXX  payment - {$260.00} for over paying back in  XXXX .   TOTAL of {$1400.00}.     They have been horrible to deal with from constant phone calls and messages at all times of the day/evening to their inability to resolve issues even after they agree the issue is theirs not mine. The extra money and funds they are holding is causing a financial hardship in my monthly budget. The time to have several lengthy phone conversations during my working hours is causing loss of work productivity that I should be compensated 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 2017-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: IN

Complaint narrative:
I applied for a loan w ith Big Picture Lo ans on  XXXX   XXXX . I was approved for {$1100.00}. I instantly received the funds the next day along with an approval email. It was only then I was given the terms of the agreement. I had NO idea what I was getting into. The loan had a 732.3534 % interest rate with a total payoff of {$8900.00}. I was paying {$280.00} bi weekly. I have already paid what I originally borrowed. I am having financial difficulties and emailed them a memo on  XXXX   XXXX ,    2017, r equesting they stop the ACH payments. I explained my situation  ( un employment ) and asked them if they would stop finance charges and settle with me, in hopes to avoid bankruptcy. They agreed to do so, however, they requested I make biweekly payments of {$220.00}. They insist I still owe them {$1400.00}. They claim I have not paid one penny towards my principal borrowed amount. I have contacted the Indian a State Department of Financial  Institutions and was told that Big Picture Loans is n't even licensed in Indiana, which would make this an illegal loan at illegal rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: HI

Complaint narrative:
In  XXXX   2017, I received a debt collection letter from State Collection Service , Inc., for {$8.00}. I immediately called the debt co llector and asked what this amount was for. Customer rep said if I owned a  XXXX   XXXX . I said no. She then said Okay, sorry to bother you.     In  XXXX     2017, I rece ived another debt collection letter from the same company but this time saying I owe {$93.00}. I immediately sent them a Debt dispute letter requesting they provide proof it is my debt by sending me signed contract agreement, detailed and explanation of how they came about this amount.     On  XXXX   XXXX  , 2017, the y respnded to my letter and failed to provide me the information I requested to validate the debt. It still does not show how they came about this amount and any signed contract that I agreed to pay this amount. And now they are claiming I owe {$110.00}.     This company is fraudulently trying to collect money from me. They keep changing the debt amount and failed to provide proof it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
To whom it may concern : In  XXXX   2016    I was engaged in trying to get a loan modification with  Select Portfolio Servicing a nd they denied me and gave me the run around. They denied and would n't approve me for a loan modification. I .hired a real estate agent and they started to market the house for me so that I would n't lose it to foreclosure. We placed it on the market with a real estate agent so that I would n't lose the equity to foreclosure. I currently have a bonefide offer on the property, with proof of funds from a qualified buyer. I have included with this, proof of funds, settlement statements, real estate purchase contract with addendum 's. Every time we have called and tried to get a postponement and sell the house they tell us they wo n't postpone the trustee sale. I 'm paying the loan off in full and they are not allowing me to sell the property and get my equity. I feel they have been very deceitful, dishonest, and misleading me for the past 6 months. Please help me postpone the trustee sale so that I can sell the house and pay off all lien holders in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo/Health Advantage off ered a product satisfaction guarantee as offered by both  XXXX  and  Wells Fargo/Health Advan  tage. If the h  earing aids did not w ork to satisfaction within period then return the hearin g aids and the y would credit the card back and cancel the transaction.     I returned the hea ring aids  to  XXXX   XXXX   XXXX  in  XXXX , TX and notified the company that I returned them. I cont acted Wells Fargo a nd told them. They promised to refund and close out this credit card account.     I never even received this credit card. It was just a promotion wit h Wells Fargo and    XXXX   XXXX   XXXX  that I saw on tv offering 0 % interest for  one year and  product guarantee 100 % satisfaction.     I could never hear or wear the hearing  aids because they  never worked.

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 2017-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
When speaking with the employees of Navient, I am never given a specific name of the person that I speak with, so I am unable to convey that. I have called Navient multiple times to inform them about the fact that I am unable to make payments, as they are too high. I have received different information from all employees that I have spoken with, I have asked for them to help me, and I have been told that my cosigners need to submit a financial statement. I was told the last time that I spoke with Navient that one of my cosigners did not need to submi t one. Th en I was told the next time that I spoke with them that it was required. I am being told false, inconsistent information, and I need assistance with lowering my payments. Navient is also calling me multiple times a day while I am working, requiring payment when I have communicated that I need assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call everyday harassing me for the past 3 months from several different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: OH

Complaint narrative:
The first week of  XXXX   XXXX  I received an alert from all three credit bureaus th at Aargon Debt  Collection placed a delinquent debt on my credit report. I called  Aaron Collection a gency after finding this debt on my credit report. I spoke to  XXXX   XXXX , who treated me very poorly and told me to just pay the debt. I was unaware i had a final balance with  XXXX  Ohio from over four years ago.      XXXX  said his office mailed a letter in  XXXX  but the address was NOT mine, and I never received any validation notice. After speaking to  XXXX  who was so rude and was degrading me I told him to please send me the evidence of the debt. I gave him my current address and phone number to send me the validation letter.     Today  XXXX   XXXX  fifteen days later I still have not received any validation letter or evidence I owe the debt. In fact, with  XXXX  ' permission I recorded the phone call today with him and he told me who cares about the FDCPA and the law I still owe the debt and I need to pay it for them to remove it from my  XXXX  credit files. I told him without receiving a validation letter, ( which should have been sent to me within 5 days ) and the fact that they threw it on my credit report without ever contacting me about the debt to give me time to respond or dispute the debt my rights were violated. ( Where I have 30 days to dispute the debt ) I had no opportunity to make good of a debt if I owe it before its placed on my credit report and harmin g my credit score.       XXXX   XXXX  said he is th e Executive Director and t old me he didnt care what the laws were to protect consumers and that I am just trying to not pay a debt.     I am not paying on something or giving a company money without written documentation or evidence that I even Owe the debt. The alleged debt is from ove r four years  ago and the collection agency is also reporting it as if I just occured the debt in  XXXX   XXXX  not  XXXX   XXXX . That is ... If this debt is even valid a s I N EVER received any written documentation from them. It was me that contacted them after they already put it on my credit reports.

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 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
There is a company called Central Financial Control who is refusing to delete a series of collection accounts from my report. I do n't know who this company is, what services they offer or why they want money from me.     I 've never had any business dealings with them in the past and they have never provided me with any supporting documents to back up the debts they are claiming I owe them.     There are currently  XXXX  past due accounts being reported to my credit by them! These are the account numbers and balances that I could pull out from a recent credit report : Account # : "  XXXX  '' and {$14000.00} balance ; Account # : "  XXXX  '' and {$4700.00} balance ; Account # : "  XXXX  '' and {$2200.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$740.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$690.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$73.00} balance ; Account # : "  XXXX  '' and {$50.00} balance ; The only information I can find for them online are bad reviews and scam stories by other consumers who have been taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
Purchased a {$400.00} gift card from the company  XXXX   XXXX ,  XXXX  a week or so later it was stolen from my car ( which is listed in the police report ). I informed the company about it and was told they suspended the card. So im fine at this point, until a few days later i see transactions starting to appear on the card. So i contact them again explaining that they didnt suspend my card like they said. So at this point im highly upset because i was lied to. They suspended it after the person used all my money. It took them weeks to email me a dispute form. so They sent me a dispute form, i filled it out and was told to email it back to them, which i did.     I was told it would take 30+ days to investigate. So i was fine with that. Months later i never heard from the company again and when i filled a complaint with the BBB. The company made it seem as if i was lying about everything because i was told there is no way to email a dispute form back to them, only mail & fax. So i showed a proof email of the company telling me to email it back. They still continued to lie. They 've been lying claiming they 've sent me a refund since the  XXXX  of  XXXX .   They never properly investigated my dispute, which is highly illegal when running a business. Not including the Fraudulent misrepresentation claim i can file. They 're trying to lie and cover up my complaint to avoid a Lawsuit. 9 months of dealing with this companies nonsense. I 've been trying to be nice and avoid settling this out of court but it 's inevitable. I 've faxed over every email i have between me and this company to my Attorney  XXXX   XXXX   XXXX . But I 'm giving them The until The  XXXX  Of  XXXX   XXXX  before i continue the process of moving forward with the Lawsuit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NC

Complaint narrative:
I submitted a check made out to me personall y (  check on  XXXX   XXXX  made payable to  XXXX   XXXX  in the amount of {$7500.00}, for deposit to a corporate account on which I am the sole signatory,  XXXX . Have done this abou t 100 ti mes before. Deposit was refused. Told by  XXXX   ( r efused to provide further id ) that this could not be processed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
I,  XXXX   XXXX , took out an installment/payday loan at the Check 'N Go location at  XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  in  XXXX    XXXX  . The hours where I work got cut down, and I have been having difficulty paying the payments. This company began calling the place I work,  XXXX   XXXX , on days I was not at work, and my manager asked them to stop. Then today,  XXXX / XXXX /  XXXX   they called again, and I told them that I was not allowed to receive phone calls here. I am actually not even employed by  XXXX   XXXX , I am a temp worker through  XXXX   XXXX   XXXX . I finally had to hang up on the lady,  XXXX . Then another person from Check 'N Go called back almost immediately. I told the man again, that I can not receive personal calls at work, and not to call again. They immediately called over and over while my manager told them to stop each time. They told her that they could call whenever they wanted, and would keep calling. She tried reporting this to the corporate office, so far with no results. I may very likely lose my job over this. Please help me.     Sincerely,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nationstar Mortgage is attempting to collect a debt without any legal authority. According to Nationstar Mortgage, I owe {$290000.00} and I 'm 77 months past due. I have not made any payments to Nationstar Mortgage since the alleged transfer of servicing of the loan in  XXXX   XXXX . Nationstar contends they are servicing the debt for the   XXXX   XXXX   XXXX   XXXX    XXXX .     The   XXXX   XXXX   XXXX   XXXX    XXXX  was the purchaser of the property in a foreclosure sale in  XXXX   XXXX  and is the legal title holder of the property.  XXXX   XXXX   XXXX ,  XXXX  's predecessor claims I owe   XXXX     XXXX    XXXX   XXXX    XXXX  rent as a result of the foreclosure sale.   XXXX    XXXX   XXXX  and Nationstar Mortgage is playing a cat and mouse game to harass and defraud me. It 's impossible to be responsible for rent and the debt that was foreclosed.   XXXX    XXXX   XXXX  and Nationstar Mortgage ca n't get their lies in sync. I 'm currently litigating with   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX   XXXX   XXXX  in a pending lawsuit since  XXXX   XXXX  for wrongful post-foreclosure eviction, cancel trustee 's deed, recover title to my property, and numerous fraud claims. I 've attached an excerpt from   XXXX   XXXX   XXXX   XXXX    XXXX  's answer asking for rent in  XXXX   XXXX  during the pendency of the lawsuit. I 'm attaching documents to substantiate my claims. I 've filed over  XXXX  CFPB complaints, review my history. The truth does n't change.   XXXX    XXXX   XXXX  and Nationstar in their capacities as   XXXX   XXXX   XXXX   XXXX    XXXX  's servicers ca n't get their stories straight. Of course, it 's too much for the big law firms representing these large financial institutions to admit they 're wrong. They would rather conspire with each to commit fraud to right their wrong.

Company response to consumer: Closed with explanation