vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance s old an false account to  XXXX   XXXX   XXXX   XXXX . After to speaking with  XXXX   (   XXXX   XXXX   )  on  XXXX / XXXX /  XXXX   at  XXXX  she said they had this account fro m World Finance w ith a balance {$580.00}. Then I calle d World Finance  in  XXXX  SC that location which I open the account and spoke with  XXXX  on  XXXX / XXXX /   XXXX    at  XXXX , she told me that account was renewed/paid out on  XXXX / XXXX / XXXX  then I reopen anothe r one t he same day. So why di d World Finance s ell this account to  XXXX   XXXX  which they are reporting to   credit bureaus as well?
World Finance will   not let you open another account without paying off/renewing an existing account!!! W.F. also is reporting an account which was after this account to  XXXX   XXXX  to all credit bureaus. I had to pay off/renew this account which they sold to  XXXX   XXXX  before they would even give me another account!!!!   
World Finance is selling false accounts and reporting inaccurate info to credit bureaus!!! This is illegal and I AM GOING TO SUE f  or defamation and financial injury!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ten  years ago we suffered credit card fraud and the police said to place a credit freeze on our credit report. Now we are applying for a mortgage and this is the third day I have spent trying to have both freezes removed. First this department is located in  XXXX  and they do not have a command of the  English  language nor do they know how to spell simple names  (   XXXX   ).  They do not speak clearly and aggravated when asked to repeat. They also lie, they say they are  XXXX  They drop calls when asked to be transferred to t he US co unterparts. The main number of Transunion does not answer to receive complaints or to help with problems. The final straw is when I finally called, after getting all their pertinent garbage to have them tell me they ca n't access my file because it is being updated. Th e US  agent had a completely different procedure than the one I followed the previous day to have my freeze removed and refused to release the freeze in a timely manner. I have to fax him a request and then he will mail it to me??? I am applying for a mortgage and time is of the essence. The other  XXXX  bureaus quickly and graciously removed the freeze the same day. They must be more expedient and cooperative for their reporting. I expect a complaint line, answered by a live person who speak s English and underst ands 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 2017-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZENCO COLLECTION, LLC
State: VT

Complaint narrative:
XXXX / XXXX / 2017  Called by a "  XXXX   XXXX  '' who claimed to be working for an unidentified law firm calling in regards to a claim by a  XXXX   XXXX  against our property. Told her we did not know a  XXXX   XXXX , we have received none of the required paperwork and have not been legally notified and asked her to send any info to the address of record. Caller got angry, said she would also send a server and hung up.She did not give any further information. Caller ID traced back t o Zenco Collects,   XXXX .   XXXX    XXXX ,  XXXX , Texas  XXXX . Phone :  XXXX  Email :  XXXX  XXXX  XXXX

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 2017-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo serviced my loan through  XXXX 2015, during which time I was involved in a Chapter   XXXX    Bankruptcy. I have requested on numerous occasions that Wells Fargo provide a complete detailed payment history from when they serviced the loan, since I have disputed the balance of the account. Wells Fargo has refused to provide the payment history, stating they have no obligation to do so. Wells Fargo is in violation on RESPA and CFPB loan servicing law. I am seeking your assistance on this matter.

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 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This dispute involves an instance of check fraud perpetrated on my personal checking account with Chase bank. XXXX XXXX XXXX was also involved, but has been very cooperative and I have no complaint against XXXX XXXX XXXX. 

Background : Someone had stolen an envelope from the mail containing two checks, dated XX/XX/XXXX, which I had mailed to my landlady on XX/XX/XXXX. One check was from my XXXX XXXX checking account, and the other check was from my Chase bank checking account. The individual who stole the checks, altered the payee name on both of the checks ( which was very obvious ) and either cashed or deposited the checks into their bank account, and, thereby, fraudulently collected the money from both of my personal checking accounts. 

The amount of the XXXX XXXX check was {$850.00}, and the amount of the Chase bank check was {$1700.00}. Both checks were cleared by both banks on XX/XX/XXXX. 

On XX/XX/XXXX, I realized what had happened and immediately reported the fraud to both XXXX XXXX and Chase bank. I submitted a notarized affidavit as required by Chase bank, and attached all of the relevant documentation to aid them in their investigation. 

XXXX XXXX XXXX took my information over the telephone and assured me that my money was insured, and that I would receive my money back if they determined this was a legitimate case of check fraud. XXXX XXXX has now concluded its investigation and will be returning the {$850.00} to me. 

Chase bank has told me that they are continuing their investigation, which can take from 30 to 60 days and could not guarantee that I will receive my money back. This is not acceptable to me. This was their negligence in allowing an altered check to go through my personal checking account thereby causing the theft of {$1700.00} from my personal checking account, and this is the reason I am lodging this complaint against Chase bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received notification that my federal Perkins loan Account # : XXXX, was approved for a Deferment. The letter also indicated that a payment of {$50.00} was due for interest accrued on the Federal Perkins loan. The loan period referenced for the deferment is XX/XX/XXXX. My school XXXX University has requested that I provide a default clearance letter, in order to be eligible for financial aid during the next enrollment period. I was advised by several representatives at XXXX XXXX XXXX that they would be unable to provide a default clearance letter, until the payment of the interest was made to XXXX XXXX XXXX. I am submitting a complaint about the handing of my loan, because the student default letter is being denied, although I have been approved for a deferment of the entire Perkins loan referenced above. I believe that XXXX XXXX XXXX is unfairly withholding the default clearance, based on fees that should be included in the terms of the deferment according to the department of educations definition of a deferment. I was also provided with false information by the agent on XX/XX/XXXX. The agent I spoke with stated that a deferment and a default had the same meaning, and that my loan would continue to be reported as default, although it was approved for deferment. If the terms of the Federal Perkins loan are based on the signed promissory note, it should state the terms specified by XXXX, in reference to the definition and polices of a granted deferment. Definition of default based on www.studentaid.ed.gov : Failure to repay a loan according to the terms agreed to in the promissory note. For most federal student loans, you will default if you have not made a payment in more than 270 days. You may experience serious legal consequences if you default. <P/>Definition of Deferment based on www.studentaid.ed.gov A postponement of payment on a loan that is allowed under certain conditions and during which interest does not accrue on Direct Subsidized Loans, Subsidized Federal Stafford Loans, and Federal Perkins Loans. All other federal student loans that are deferred will continue to accrue interest. Any unpaid interest that accrued during the deferment period may be added to the principal balance ( capitalized ) of the loan ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have a mortgage with   Wells Fargo. They bought my original VA loan without my knowledge or consent and had not given me any information of " rules '' or investor terms.
They will not eliminate my impound account even though I have 20 % or more of equity.
Enclosed is their response.
Thank You   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 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I obtained my credit report for accuracy and saw an account that is not mine. I sent a letter to the collection agency on  XXXX / XXXX /  XXXX   requesting additional information to investigate who opened this account in my name. As of today they have not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX   BUSINESS CARD -One of o ur cards was fraudulently duplicated and used pumping gas for total a amount of {$810.00} in the months of  XXXX  and  XXXX   2017 , while the original card was in our possession. Once we received monthly statement of charges from  XXXX , we promptly reported the fraudulent use to  XXXX  on  XXXX   XXXX , filling and faxing to  XXXX , their fraud investigation unit the form they had faxed to us.   It took more than 60 days for  XXXX  to issue partial credit of {$720.00}, while they have charged interest and penalties of {$360.00} on {$810.00} fraudulent charges which we are not responsible for and they refuse to credit {$360.00} back to our account.   We have called the customer service of  XXXX  and they say even though we are not responsible for the fraudulent charges, we are still responsible for Interest and Penalties.   This absurd and abusive practice  be one of th e biggest oil companies in the United States.

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 monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I responded to an email offer for a   XXXX   XXXX   XXXX ,  the email offer clearly stated that there was not an annual fee for the card.     However, they are billing me {$99.00} in installment fee 's for the annual fee, that I was advised I would not have.     I called the presidents office for  XXXX  cards and spoke with  XXXX   XXXX  ext  XXXX  she advised me she would check in to it and call me back on Monday  XXXX / XXXX /  XXXX   Her call was never received, and I have not been able to reach her again.

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 monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I was called by my cell and home phone about an hfc account that was charged off in XX/XX/XXXX. 
Statue of limitations ran out on XX/XX/XXXX. 
No payment agreement or payments of any kind by me have been made since XX/XX/XXXX. 
When I told this man this he began to threaten me and verbally say four letter words. 
And now they 're calling again on XX/XX/XXXX at XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST GUARANTY MORTGAGE CORP
State: NJ

Complaint narrative:
I have on many occasions reached out to First Guaranty Mortgage Corporation ( FGMC ) to resolve the mortgage issue. I had my mortgage refinanced through FGMC. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. FGMC is very confusing. FGMC did not service my loan. They had another company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX to be in charge of my loan. At first I was working with XXXX XXXX XXXX and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never had a chance to work directly with FGMC. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has First Guaranty Mortgage Corporation as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with XXXX and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from XXXX to XXXX XXXX without even being notified of my status with XXXX. This is very frustrating and the lack of communication is not professional as well.

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 2017-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Short sale is in the process of negotiations and  Nationstar  proceeded with a foreclosure. Tenant occupied and did not give proper notice or offer move out assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: SC

Complaint narrative:
I sent  JH Portfolio  several certified letters asking them to validate this debt after continuing to pursuing collection activity, failing to report this item as disputed to credit bureaus and claiming to be the purchase of this debt! I will sue in court and will be rewarded $  1000/violation  plus damages. I have n't received any documents/statements or anything from  JH Portfolio.  When I sent certified letter I had correct address also when I called I updated my address.    JH Portfolio  is reporting an account to the credit bureaus that was paid to the original credit. I paid this account out to  XXXX   XXXX  on  XXXX   XXXX ,   XXXX  .   I spoke to  XXXX  from  JH Portfolio  and she said the balance was {$580.00} but I paid/renewed this account in order to get another loan., which  XXXX   XXXX   said  they sold to  JH Portfolio (  see attached ).   I 'm going to sue JH Portfolio and  XXXX   XXXX  for violated the laws under FCRP/FDCPA!!!

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 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: UT

Complaint narrative:
Credco -  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  Please remove these inquiries.

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 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: LA

Complaint narrative:
I contacted Enhanced Recovery Company on my own to pay a debit. They told me that I could pay {$1000.00} for a pay and deletion. Upon the last payment the following month they tried to continue to draft my bank account I stopped the payment, because I already had satisfied the agreement. The original debt is {$1400.00}, I paid {$1000.00} which is a {$340.00} difference. This collection now shows on my report as closed with a {$500.00} balance, this company did not keep the agreement in which we established over the phone when I called them to satisfy the debt. I would like this closed collection removed from my credit and a letter from them stating this debt is PAID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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 — Problem with personal statement of dispute
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Nationwide Recovery Services failed to provided me with a contract bearing my signature of an alleged Debt that they said I owe them. there are various accounts on my credit report from them, I sent the first letter asking for VALIDATION, NOT VERIFICATION of any contract that I have with them bearing MY SIGNATURE. and they have failed to provide me any documentation bearing my signature. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Nationwide Recovery S ervices.   I am again formally requesting a copy of any documents, BEARING MY SIGNATURE, showing that I have a legally binding contractual obligation to pay you the alleged amount.  <P/> An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
When Bank of America transferred servicing of my loan to XXXX they had added {$16000.00} of interest to the principal without providing me with a Form XXXX for that interest. They called the interest deferred interest without sending me a Form XXXX or reporting it to the IRS. Bank of America ( BANA ) was involved in a class action suit ( XXXX v BANA ) in 2014 over deferred interest. In that case the bank admitted they had changed their system to not report deferred interest as required by law. After the case was settled they sent corrected Form XXXX to the mortgagees of loans that they were still servicing but not to mortgagees of loans that servicing of the loan had been transferred. They did add the deferred interest to the principal before the transfer and when asked about it after the court case continued to call it principal that did not have to be reported. In the first complaint I sent to the CFPB they answered it with the usual it is deferred intereast and is principal and is not reported. They CFPB Bulletin of 2014 stated " A transfer does not relieve transferor servicers from their obligations under 12 CFR 1024.35 and  .36. Transferor servicers are obligated to respond to notices of error and information requests from the borrower ''. I requested the corrected Form XXXX within one year of the time BANA admitted in court to intentionally not reporting deferred interest. I have attached copies of my records and the Banks activity history printouts that match my figures and states what they have done. That is, add deferred interest to principal do not report it to IRS as income and do not report it to mortgagee as interest on Form XXXX and they transfer it to another finacial institution for full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I requested information about a debt on my credit report I have no knowledge of. The company did not send me the copy I requested of the signed credit application for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I moved into   XXXX   XXXX   XXXX   XXXX   was told upon moving in that I would have to give a 30 day notice to vacate apartment. I gave my 30 day notice paid my rent then was told the policy has changed and that I needed to give them a 60 day notice. They kept my {$400.00} pet deposit and my security deposit

Company response to consumer: Closed with explanation