vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
My best friend received a call, today,    XX/XX/XXXX  ,  stating that  XXXX   XXXX  was trying to contact me for a debt. When I called the company, they called me back private, so it went straight to  Voice  Mail. I then called back at the number she left for me,    XXXX   XXXX   XXXX  ,  and was immediately placed on hold while they looked up my records. She then informs me that   XXXX   XXXX   XXXX   was attempting to collect a debt from a payday loan I received in    XX/XX/XXXX  I informed them that I could n't recall that loan, and asked for details. They stated that they were not a collection agency, but a mitigation company attempting to mediate the issue out of court. She then went on to say that they would attempt to collect 3 times the amount owed plus {$500.00}, but that I could pay {$410.00} today to settle the debt. I told her again that I did n't recall, and asked for a debt validation letter. She then transferred me to a supervisor. The supervisor got on the line and tried to bully me into paying. She stated they did an asset evaluation on me and asked if I owned  XXXX  vehicles,  XXXX  is my current vehicle, the other I have n't had for years. She said they we 're placing a lien on my car, and would also be taking me to court. I told her that I needed a debt validation letter, and she said they did n't have to send me anything because I was n't calling the shots here. I asked for the name of the company, she stated it was   XXXX   XXXX   XXXX   At some point in the conversation, she also stated that the debt was from  XX/XX/XXXX , not  XX/XX/XXXX .  I called   XXXX   XXXX   XXXX   and they could not find a loan for me. The claim number she gave me is :  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America charges over draft fees but yet the account activity log never shows where the account actually went negative. This has happened to me several times with Bank of America. I was charged a {$35.00} overdraft fee but yet when you call and try to go over the account activity log with the employees, they have a completely different log that does n't even reflect the same information.     on my enclosed attached bank log, it shows my account was in the positive until the overdraft fee, that is the only time my bank went negative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This is a attempt  for two years  to obtain an accounting showing payments made and the current amount due and owing. I filed a complaint number  XXXX  back in  XXXX   XXXX  ; however, you appear to have dropped the ball. Nothing came of this complaint and I did not receive an accounting for  XXXX . Now I am attempting to obtain an accounting for  XXXX  from  Midland Credit Management Inc. I have made repeated requests for this accounting with no response from Midland. I do not u nderstand why this is so difficult to do. Further cfpb appears to have done nothing regarding my prior Complaint What gives?   Again why is this so difficult if  Midland  can not do this they should go out of business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
i opened an account with pnc bank on the   XXXX   XXXX   XXXX   telling them i am opening the account cause i am expecting fund from ohio and pnc is the only bank in the city that has a branch in Virginia and will be expecting some deposit so i got a deposit of {$6000.00} on the   XXXX   XXXX   XXXX  , a cash deposit of {$6000.00} and another deposit of {$8000.00} on the   XXXX   XXXX   XXXX   XXXX   which was cash also and on the   XXXX   XXXX   XXXX   i tried to access my fund i was told that the fund was on hold it will be release on the   XXXX   XXXX   XXXX   which i was bemused since it was a cash deposit so i called the person that made the deposit the what was the mater he should go back to the branch he made the deposit and see what happened he said everything was ok from the branch so i went to the branch to get my fund and was told there was a hold on the account and was refer to a bank worker who made calls and got no good response or a firm reply he told me to the only other option is to escalate the matter and let the department take care of it. so the next day i went to the branch since i did n't hear from them and they told me they are closing my account and sending me a cheque for the amount. So the next day i got a call from escalating dept that they re closing my account and the wo n't be sending me a cheque for no reason i feel day are trying to sell my money or take it since am a foreigner

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
Our Client has applied for modification to save her home from foreclosure on her own and then again with us,   XXXX   XXXX   XXXX   XXXX   She signed on with us for help on   XXXX  . Prior to our help she was offered a repayment plan for 13 months with monthly payments being {$580.00} with a large balloon payment on the   XXXX    month of about {$10000.00}. We reapplied and was given the same plan. Modification was denied due to not meeting investor guidelines. A foreclosure sale date has been se t for  XX/XX/XXXX . This repay ment plan is far outside the affordability of our client due to the strict limited income she lives on. The loan originated on XX/XX/XXXX and matures on  XX/XX/XXXX  with prior monthly payments of   XXXX  . This she can afford.
Her income is only about {$800.00} per month from SSI and limited food stamp assistance. We are hoping that something can be done to stretch this loan out further in order to keep her payments around what they were when it was affordable. She is an elderly woman with medical issues that are ongoing. She fell behind due to these medical issues and would like to get things back on track, because her situation limits her ability to relocate and affordable housing is limited.
We have tried to work this out with the Lender, though they do not want to budge on this.
Please help us find a reasonable resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I was contacted by XXXX and XXXX of XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX -- Ph # XXXX. In XXXX 2017 XXXX, the assistant to loan officer XXXX requested a credit report in order to verify a possible interest rate deduction. When asked if the report would be a 'hard ' pull, he responded in the negative. After a couple weeks of back and forth on mortgage 'replacement ' offers they proposed, it became evident that the loan I already have is most appropriate for me, not needing to pull any additional equity money out to pay any bills -- I have none that recur other than current mortgage.
<P/>
During our communication XXXX stated that the credit report request would not affect my credit score as they are to replace an existing mortgage. It is important to me not to have a negative effect on credit score because once retired, one 's income is lower, making it harder to qualify for another home or other big ticket item.
However, when I received my credit report from Experian, it now shows not one, but XXXX HARD Pulls from their organization. I believe they need to be requested to reverse what they have done, and to not do that to another prospective client. They have not responded to the email I sent requesting them to do so. Unfortunately, the credit bureaus will not perform this adjustment ; it must be done by the potential creditor.

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 2017-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CONDOR CAPITAL CORP
State: MD

Complaint narrative:
My car was repossessed on XXXX XXXX, XXXX. I was out of work and could not keep up with my payments. I am now actively working and there will be no more issues. I was not notified by certified mail 10-days prior to the car being repossessed as required by Maryland law. I have paid all my past due payments and my loan is current until my next payment of {$460.00} is due on XXXX/XXXX/XXXX. The loan company is charging me a {$450.00} repo fee but since I was not notified that my car was being repossessed I am not obligated to pay this fee since I was not notified in advance. They will not release my car until this {$450.00} fee is to be paid. I have attached the only correspondence I have received from them which was after my car was repossessed. Also, attached are the receipts showing payment of the past due payments. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United Consumer Finance, Inc.
State: MA

Complaint narrative:
X/XX/17  Consumer finance had my vehicle repossessed. I was a month and a half behind on payments I do n't believe the vehicle should have been taken. I have n't heard from Consumer finance and when i did try to call i spoke with a  XXXX  and he kept hanging up on me. I asked him what i need to do to get my truck back and or to get my personal property and he said i can not it has already been put up for auction. He then hung up on me again. Again i have not received a phone call or letter about the next steps i need to take. This is why i called them. I am going to talk with a lawyer about getting my personal property back because it is illegal for you guys to take it. Please let me know what i can do. i am also contacting the attorney general and BBB. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diaz & Associates, Inc.
State: AR

Complaint narrative:
This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is from X/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: EOS Holdings, Inc.
State: TN

Complaint narrative:
I am disputing a collection from agen cy Collecto , Inc. / EOS CAA concerning a purchased debt from original creditor,  XXXX , Ac count Number  XXXX  on the illegal and purposeful re-aging of a recently purchased debt.
<P/>
Also, the collection agency EOS CAA also as not notified me in writing of the claim that a debt is owed or allowed me to dispute this debt in writing.
<P/>
Basis for the dispute : The debt collector Collecto , Inc. / EOS CAA is not reporting a date of first delinquency to the credit bureaus and the estimated month and year the item will be removed is different from the original creditor. The dates must be the same date of first delinquency. Any different date constitutes illegal re-aging.
<P/>
The original creditor,  XXXX , recently sold the debt during the 30 day dispute window in   XXXX   XXXX   as they could not validate the debt. I disputed the debt through the credit bureasu and the item was removed. However the new debt owner, Collecto, Inc.has submitted a new claim on my report.
<P/>
The Original creditor sold the debt to debt purchasers and collection agency Collecto , Inc. / EOS CAA. The Collection Agency Collecto , Inc. / EOS CAA is not reporting a DOFD ( date of first delinquency ) on my report. The DOFD is the date the account became 30 days late and no other payments were made.
<P/>
Regardless of how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change and must be listed on credit reports. Collecto, Inc. / EOS CAA has not listed this information and updates each credit bureaus weekly with new dates, continuing this illegal act I can provide reports and screen shots of clear FCRA violations in attachments of the original creditors reporting and the new collection agencies. Collecto, Inc. / EOS CAA states this debt will stay on my credit report until  XXXX . The Original Creditor states this debt will come off of my credit report in  XXXX .
<P/>
This agency is in breach of several CRA reporting guidelines as well as US law and I would like the item removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There appears to be an error in the reporting of an collections account with  XXXX   XXXX  on my credit report with No Balance and an  Open Status.   <P/> This is an error in reporting as per the FCRA and FDCPA guidelines.  <P/> Please remove the account immediately 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
Consumer complaint received 2017-06-02 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: TN

Complaint narrative:
I am a victim of Identity Theft. I contacted the FTC and they were very helpful in providing information as to how to help victims of ID Theft. I sent by certified mail to all  XXXX  bureaus all of the requisite information ID theft Affidavit, police report, etc ....  XXXX  and  XXXX  respoded professionally and promptly removed the fraudulent information. However, Equifax moved very slowly but finally sent me notification that the item had been removed. This was sent  XXXX   XXXX ,  2017 . I mailed off the information to them  XXXX   XXXX ,    2017  by certified mail. I checked my credit report on  XXXX   XXXX ,  2017  and the  itm  is STILL SHOWING. I called and was treated very rudely and put on hold for what totalled about an hour and I was told a bunch of lies. I can not believe the lies and deceptions. They stated that they would remove it within  48  hours of  XXXX   XXXX ,  2017 . The item is SILL showing and all the reps are rude and obnoxious. They in clear violation of FCRA laws are still reporting the fraudulent account on my credit profile. Please Help as they are adding salt to my wounds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Security Credit Services (   XXXX   XXXX   ) is on my credit report. I have disputed this several times as I do not know what this is. I have asked them to send me proof that I was the person who created this account but nothing was sent. I have NEVER received any mail correspondence from this creditor. I am requesting that this be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Navient student loans is making it next to impossible to receive an income based repayment plan. I have tried several times over the past 5 months to properly enroll in the plan. They seem to have excuses each time I speak to them about why something was n't done. I requested hard paperwork be sent to my address twice. Each time, I was told the mail was " returned '' and that I should just do it electronically, anyway. I sent it via internet and was told it was n't received. Every time I spoke with someone, it seemed I could n't get straight answers out of them regarding how I should properly submit the income based plan. I finally mailed it in via certified mail. I was told I would receive an email on their decision a week ago and still have n't gotten that email. I fully believe NAVIENT knows exactly what they 're doing to make it difficult for people to pay back their loans in an affordable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is fr om  X/XX/  17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Im writing this letter to inform you of my effort to obtain a Sears Credit Card which has been denied because of my alleged history of delinquent credit. I have sent several letters expressing my disagreement with the denial, and have asked the approving authority,  Citicorp Credit Services , Inc.,   to reverse that decision based on the my attached credit report. Also see Citicorp letter attached.  <P/> The denial appears to be based on  two  charge offs from   XXXX   XXXX   XXXX   going back to  XXXX . See the attached  XXXX  Credit Report. I requested tha t   XXXX   XXXX   XXXX   r emove the charge offs on both accounts because I was making payments when  XXXX  claimed the payments were 180 days past due. See the attached document on payments.  XXXX  agreed in writing to drop one of the accounts, and sent a letter to the credit bureaus to drop the account. See the attached letters from  XXXX . I have no explanation for the difference in account numbers for the two charge offs accounts.  XXXX  and  XXXX  removed the  XXXX  charge off accounts, but  XXXX  did not as shown in my credit report as of  XXXX   XXXX ,  XXXX , page  7 of 53. I do un derstand that the charge  offs (  XXXX  or  XXXX  ) stay on your credit bureau report for seven years.   <P/> Even with the charge offs shown on my report, I dont see a history of delinquent payments.  Pages 5 of 53 and 6 of 53 s how that there were timely payments to a collection agency on the  XXXX  accounts, and eventually they were paid off.  <P/> I contend tha t Sears ( Citicorp Credit Services , Inc. ) w as not justified in denying me  the Sears Credit Card. Citicorp claim th at not having delinquent payments over the past four years is not as relevant as looking at the overall credit rep ort. Citicorp claim t hat an overall look at my credit report does not score a sufficient number of points for approval. This sounds contrary to being granted the credit to buy a car in  XXXX , to being granted an  XXXX   XXXX  card in  XXXX , and having sufficient credit to buy a  XXXX  timeshare in  XXXX .  <P/> I believe  Sears ( Citicorp )  is trying to hold me to a higher standard for credit card approval.   This denial of a  Sears  Credit Card sounds more like age/race discrimination given that Im a  XXXX  year  old  XXXX  military veteran.  <P/> I want you to investigate this matter and make some recommendations as to what I should do. This means requesting   XXXX   to follow up on dropping  one  of the   XXXX   charge off accounts and make an inquiry as to wh ether Sears ( Citicorp ) is justified in de nying me the Sears Credit Card.

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 2017-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Levy placed by State of NC on XX/XX/XXXX. Levy released onXX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX X 2. Bank seized both mortgage payment and car payment ( to Wells Fargo ), about {$1000.00}, causing both to be late. Branch Bank repeatedly passed the buck to Legal. Legal Dept is impossible to get on the phone, with wait times exceeding 39 mins for all calls made to them. Legal Dept has hung up when I started pressing the issue of withholding funds after the State has released them. As of XX/XX/XXXX they  have seized another {$680.00}. A branch banker in my hometown has a contact with Legal that told them if there was a medical emergency Wells would release funds immediately but that otherwise I was " XXXX ''. The XXXX is a quote from Wells. Contact also stated that Wells was prepared to release the hold on XX/XX/XXXX. This appears to be an arbitrary date for Wells convenience. When all is said and done Wells will have withheld approximately {$3000.00} for at least 10 days more than authorized by the State of NC.

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