vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I woke on  XX/XX/XXXX  to a text message from  Net Spend   XXXX   XXXX   detailing there is a problem with my debit card, please call before using the debit car d. Two  and a half hours prior to this text the monthly {$5.00} fee for  my Elite a ccount benefits  (  overdraft, cahs back, ect. ) was deducted from my account. I called and was notified that my account had been closed due to the other name on the account being deceased. I had reported  XXXX   XXXX  deceased the first time in Fall of  XXXX , and have repeatedly requested the removal of his name over the past 3 years. Each time I was told " It is ok, do not worry, but we can not remove his name. Just ignore it. '' I did, but now I am cut off from my money. I am being told that I must purchase a new card at my own expense, wait the month long waiting period for my account benefits to be reinstated, and the 7 years of customer history is now gone. My money is still in the closed account, and I am not being offered a way to get the money other than a check in 14 days. My auto-pay for my rent is du e in four days,  infact all my auto-pay bills are due on the  XXXX  of each an every month. I was not provided any warning to prepare for this closure, and now I could face eviction due to my rent being stuck on this card. I do n't have the cash on me to purchase a new debit card. I asked about sighning up for one online, and was told no. I was told that I must purchas e one in a ch eck cashing store at my own expense. I asked about transfering the funds to my  XXXX  College debit card that is still active, and they refused. I am told simply, " We have closed the account due to the deceased person on the account, and we will not be able to rectify this problem in any way, shape, or form. '' After two and a half hours I was hung up on by the company. The account is also locked online and I have no access to it.

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 2017-05-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
My lease is throu gh GM Financial. I t ook it out in  XXXX ,  XXXX . All payments have been made on time. At the end of  XXXX  i discovered a payment made on  XX/XX/XXXX  for  XX/XX/XXXX  due date was missing. I contacte d GM Financial an d they stated to fax in a copy of the cancelled check and remittance coupon which i did on  XX/XX/XXXX . I had n't heard back so on  XX/XX/XXXX  i called and was on hold for ove r 30  minutes. They said further research was required and would call me back. As  of 24 hou rs later I have n't heard back so I called again. As soon as i called the lady indicated rep yesterday was supposed to escalate this and she did n't so she will need to put me on hold and escalate this. I have {$75.00} in late fees that should be waived and I really hope this is not reported to my credit as late since i 've never made a late payment. I call them again and just put on hold. They cashed the check the day they received it, but getting them to apply to my account is much more difficult. There was a remittance coupon attached which showed my account #.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT : NCC BUSINESS SERVICES  XXXX  #  XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence (  1 )  In general No pers on ( c ompany ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under secti on 1681c-2 of this title h as resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious NCC    BUSINESS SERVICES ACC #  XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone Consumer Protection  XXXX  Litigation, Case No.  XXXX , in the  U.S. District Court fo r the  XXXX   District of California Stop c ollection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had to dispute a delinquent account on my credit report with transunion in  XXXX   of 2016.  I got that charge taken off but somehow they managed to  XXXX   XXXX  my social security number in the process. I called and spoke t o 4 D ifferent people, none of which could speak good English, you could barely understand them, and they would not fix the social security number ( which they messed up from the original, which was correct ) unless I faxed them my social security card. I did not trust it, and they would n't give me any other options, they were just rude when I said that I did n't feel comfortable. Since then I have new accounts open, I have no access to my credit report,  the one time I was able to see it, nothing had changed on it since 2016 when the charge from the hospital was taken  off, and it should have definitely went up since then. I am unable to get any loans, at least through my bank because my social security number does not match up with what transunion is reporting, my background check for jobs takes longer and I have even been told that they were n't able to find me under my real social security number. I have tried multiple times to get this fixed, but I 'm at a loss for what to do. I am not sending my social security card to some third party call center that is n't even in this country, it does n't seem secure. This was their mistake because my social was reporting right until they took the charge off my credit report and messed up the last numbers in my ssn.   If we could get this fixed that would be wonderful, and less   XXXX   on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Received letter out of the blue. Years ago, advise not to pa y one cen t. Now, at least 20 years later, a letter. Need advise Thank you

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 2017-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I noticed a dramatic lowering of my credit score by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my Chapter  XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX . All of these factors caused my score to lower significantly.     According t o 15 USC 1681s-2 ( a ) ( 1 )  ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has diminished any attempt to move forward to restore my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT :  XXXX   XXXX   XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCRA   615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from    identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.       A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious AARGON AGENCY INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re    XXXX   XXXX   XXXX ,  XXXX   Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the  XXXX   District of  California Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  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 2017-05-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I se nt two notarized dispute letters to two differe nt credit bureau ( Experian and  XXXX  ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.      XXXX  never responded but they decreased my  credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.     Experian tracking number #  XXXX   XXXX  tracking number #  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 2017-05-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
On  XXXX   XXXX  I contacted  two  mortgage companies to refinance my current loan to get a lower rate.  Fifth Third, who is my current company, and another I found on the internet. I thought my current company woul d be a quicker and easier company to deal with.  XXXX   XXXX  told me their closing costs would be less than a new company because I would not need an appraisal etc. My balance due is approx. {$190000.00} and my home is valued in excess of {$850000.00}.  Fifth Third has a copy of my tax assessment showing the value of my home and of course  there is an appraisal on file from the initial loan process. I have not missed payments, my credit is good and I have funds to make monthly payments.   Weeks would pass with no contact fro m Fifth Third rega rding the status of my loan. A list of required documents was mailed to me. I immediately sent the info. Calls went unanswered. I attempted to contact the  manager but he w as not available. Finally a processor,  XXXX   XXXX  contacted me and asked for the same previously requested documents. I sent them again. Then more and more requests for documents came by mail or email. I mailed each requested documment. Some seemed out of line but I did send them. I called  XXXX  and  XXXX  to get status and rarely got through on the phone. I was told around  XXXX   XXXX  all of the documents were received and the loan should go to closing within a few days. Then a few days later I was told I need an appraisal. After the conversation with  XXXX ,  XXXX  said he would speak to the underwriter and I would not need an appraisal. My emails went unanswered. On  XXXX   XXXX  I was told I do need an appraisal.   Finally on  XXXX   XXXX  during the conversation with  XXXX  I told them I do not want to continue to do business with them as they do not seem to be interested in lowering my rate and refinancing.     I am very upset at the runaround I got fro  m Fifth Third and lack of communication. After 82 days they were still asking for documents with no indication of a closing date.
Their unprofessional way of dealing with customers should be noted. I will now start all over again with a reputable company to refinance and be rid of Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
On  XX/XX/XXXX  and  XX/XX/XXXX  I sent Dispute letters re : {$2200.00} to Nationstar Mortgage, LLC. The amount disputed, p er N. Star on my   Payoff Quote, was  for interest calculated from  XX/XX/XXXX  to  XX/XX/XXXX . I provided them with " Proof of Payments '' from my bank for period of time Nationstar claims they did not receive Interest.     On  XX/XX/XXXX  I was under contract to close the sale and was forced to pay {$2200.00} to Nationstar or I faced breach of contract, with my buyer by not closing on time.     I requested in said letter, tha t Nationstar Refund the  interest charged incorrectly or provide me with Proof and Payment History, that they were correct in charging the above amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
XXXX   XXXX   DID NOT GIVE PROPER FORECLOSURE NOTICE, WO N'T TELL US WHY OUR ACCT BALANCE INCREASED {$37000.00} ONCE THEY PURCHASED OUR LOAN FROM   XXXX   XXXX    XXXX  ; THEY DENIED LOAN MODIFICATIONS BASED ON INCOME THAT THEY ENTER FOR US ( WOULD N'T LET US DISPUTE THE INACCURATE INCOME THAT THEY SUBMITTED )  XX/XX/XXXX   XXXX   XXXX   XXXX  sold our loan to   XXXX   XXXX  .   XX/XX/XXXX    XXXX  n ot   XXXX   XXXX   sen t statement of debt pursuant to NC GS 45-21.16 ( c ) ( 5a  ).  XX/XX/XXXX   XXXX  served us foreclosure paperwork w/   XXXX    as Note Holder.  XX/XX/XXXX  :  XXXX  canceled the f/c hearing.  XX/XX/XXXX  :   XXXX   XXXX   served us : Rescheduled Hearing Noti ce w/ New Cr editor in section 10 as   XXXX   XXXX   . To this d ay   XXXX   XXXX   has  not sent us a statement of debt pursuant to NCG S 45-21.16 (   c ) ( 5a ). They also will not tell us why the 1st monthly statement they sent us reflects amt due of {$120000.00 } (   XX/XX/XXXX  ) while the last statement that  XXXX  sent us reflects amt due of {$84000.0 0} (  {$37000.00} difference w/ in 30 day time pd ). They also denied loan modifications due to inaccurate income that THEY reported in error. We tried on several occasions to let them know it was wrong and tried to give them the accurate income info. They would NOT call or email us ba ck.    XXXX   XXXX   bought our loan as of  XX/XX/XXXX . Per the Prom Note, #  XXXX , they are obligated to keep all promises made in the Note. We modified our loan  XX/XX/XXXX . Per the  DOT, para.  XXXX , we have the right to Reinstate.  XX/XX/XXXX  we received reinstate calc. good thru   XX/XX/XXXX . W e pd in full reinstate amt {$32000.00} on  XXXX .  XXXX  we recd Nonpymt notice on  XX/XX/XXXX  we  were served foreclosure on  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss  XX/XX/XXXX  served f/c  XX/XX/XXXX  bank Vol Dismiss. We have been unable to   make our monthly pymts because the bank continues to keep us in foreclosure.   XXXX   XXXX   bought our loan from  XXXX   XXXX   XXXX  knowing that it was in litigation & that we have been disputing this erroneous foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: NJ

Complaint narrative:
After disputing this account with ( ERC  ) Enha nced Recovery Corporation, ERC sent me a letter dated  XXXX   XXXX   2017, sta ting they have " requested for the  XXXX   XXXX  account to be deleted from any consumer reporting agency files to which they  may have submitted information to ''. I have attached the letter in this complaint. I sent this  letter to  XXXX  and they refused to delete this collection tradeline from my report.  XXXX  stated that ERC does not want and have not requested for this account to be deleted as ERC promised to do in the letter that was sent to me.  XXXX  stated that they can not honor my request even with the letter since ERC did not submit a deletion of request to them. They are going back on their word even after notifying me that they have requested for this deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ditech Financial LLC
State: MI

Complaint narrative:
Ditech continues to call my employer after they agreed to stop this practice and sent me a letter stating all phone calls to my home, my mobile and my work would stop. I have filed numerous complaints concerning this company and their collection practices. They were fined as part of a class action lawsuit concerning their collection practices. This is the third time they have called my place of work since I received the letter stating they will cease all phone calls. See attached.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I advised ChexSystems that I do not have any knowledge and that I did not authorize the following inquiries on my report.   1.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  inquiry  dates- XX/XX/XXXX , XX/XX/XXXX ,    XX/XX/XXXX   ,  XX/XX/XXXX   ,  XX/XX/XXXX     2.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  inquiry dates- XX/XX/XXXX ,  XX/XX/XXXX   ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX    Also the number of non derogatory records is incorrect. It shows  XXXX  on my report and I was told by a rep at Chexsystems that it would be corrected to  XXXX  since they have nothing in their systems showing anything derogatory.     Even though I do not owe any monies to Chexsystems, the above information make me appear to companies that I am a high risk regarding my credit worthiness. I have not been provided with any information that may link me to the above inquiries. I would like all of the inquiries removed from my file immediately.

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