vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, Please review the attached letter that details the issue with XXXX XXXX XXXX and XXXX. 

I disputed the account showing up on my credit report at beginning on XX/XX/2018. I received the attached response from XXXX XXXX XXXX On XX/XX/XXXX. 

Please help resolve this issue. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
Fay servicing XXXX XXXX has not made my payments via escrow acct to insurance company all while I was under the impression that they had this escrow acct and were doing so! They also have misapplied payments in an effort to foreclose upon my home! I requested to get my home reappraised since the value has greatly risen they denied this giving me incorrect information and immediately sent a person to my home onXXXX and or XX/XX/18 this was done after I got insurance on my own yet they still hold funds in escrow on the account I have asked for escrow funds to be returned to be due to their failure to pay home insurance! I have had head injury, many surgeries and have been laid off from my job recently!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
Almost daily I receive phone calls from a XXXX area code from a company called Diversified Consultants. They claim that I owe XXXX XXXX XXXX {$130.00} from more than a year ago. I have never received anything in the mail or email from XXXX XXXX XXXX concerning a debt. They want me to verify personal information without giving me any information of what the issue is or providing any official documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help 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 2018-11-20 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: GA

Complaint narrative:
I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a loan with XXXX XXXX which was turned over to XXXX. The loan was opened in XX/XX/XXXX, and XXXX has been calling me about payments. A few days ago, the loan was put on my credit report as opened in XX/XX/XXXX. What is going on with this company? They have also bern calling threatening to sue my mother who consigned on the loan. Help 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 non-monetary relief
Consumer complaint received 2018-11-20 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: ND

Complaint narrative:
On XX/XX/2018, I filed a complaint against LexisNexis with the CFPB, Case # XXXX, about an erroneous reported bankruptcy appearing on my credit report. I requested they provide me with the original creditors name and telephone number, and who they spoke to that physically verified this account was indeed mine. 
On XX/XX/2018, I received a letter from LexisNexis stating they had indeed verified this account as accurate. I am writing this complaint to the CFPB to notify them that LexisNexis has violated my FCRA rights and I intend to pursue litigation against LexisNexis for monetary relief for this violation. 
In the letter sent to me, LexisNexis states they received verification of this erroneous verified bankruptcy from LexisNexis XXXX XXXX XXXX XXXX XXXX, a company which they indicate sells public records to a variety of customers, including consumer reporting agencies such as XXXX , XXXX , and XXXX . LexisNexis XXXX XXXX has no role in determining what public records relate to which consumer.

This is a violation of FCRA 611 ( 6 ) ( iii ) which I have also included in my complaint. LexisNexis did NOT verify the accuracy of this erroneous account with the ORIGINAL CREDITOR, which would be the US BANKRUPTCY COURT, but instead received it from a third party wholesaler of public records, who by the way, retrieved it from the XXXX system, which is a public records reporting system which legally in court cases has been shown to be notorious for reporting wrong information. I demand this erroneous bankruptcy be removed from my LexisNexis credit report IMMEDIATELY or else litigation for violation of my FCRA rights will be swiftly forthcoming!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NC

Complaint narrative:
I took out a {$500.00} loan with this company and my monthly payment were {$230.00}. I have made 5 payments to them for this amount which means I have paid the loan off twice and they are still trying to collect funds from me. I can not find in any of my personal records what the terms of this loan are. I assumed I would pay {$230.00} until it was paid off, but they continue to collect money. I dont know what the interest rate is or anything. I am filing this complaint because I was never provided with a copy of the terms and conditions for this loan. I would not have accepted it if it meant I would need to pay it back over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation
State: AZ

Complaint narrative:
Unauthorized charges were made to the card and the XXXX XXXX refused to reverse the charges stating there was inconsistencies with my application form I sent them.

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 2018-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Dear CFPB Staff, Incompetence on behalf of Chase JP Morgan 's phone staff has caused our family almost {$150.00} in losses over fraud. 

I just got off the phone with a supervisor supposedly named " XXXX '' text Chase 's claims department. 

Yesterday we had faxed the requested evidence proving fraud on a claim for the amount of {$140.00}. We have been assured our funds would be returned to us once the paperwork has been faxed in. 

However the supervisor today refused to do so and claimed she could no longer reopen the case. 


This was all due to their phone staff initially failing to take down what I said correctly andand code selecting errors when opening our case!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
Account number is : XXXX Account Name : XXXX XXXX XXXX Amount XXXX Paid in full XX/XX/2018 Company reporting it : One Main XX/XX/XXXXXXXX XXXX IN XXXX They did not properly notify me of the collection and promised that they are unwilling to delete it. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX i want this collection off my credit it does not belong to me i dont owe fair collections any money, i want to see a contract, you cant provide a contract i want this deleted off all 3 credit reports if not i will sue XXXX XXXX and XXXX and fair collections this is a easy win. be smart delete 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 2018-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
In my role as the XXXX XXXX XXXX for the XXXX XXXX XXXX ( " XXXX  '' ), I oversee the bequest administration process. I have a full time paralegal who works on gifts we received as part of someone's planned giving at the time of death. Often times, the XXXX is listed as a beneficiary designee for an individual 's IRA. When that happens, every single financial institution requires that the XXXX XXXX XXXX open up an account in order to receive the funds that have been designated to come to the XXXX. Whether or not this step is necessary is debatable, but that is not the subject of my complaint. In opening up the account, most financial institutions ask for information about the representative opening up the account. I am authorized to act on behalf of the XXXX so it is my signature every time. We process dozens of beneficiary designations each year. In many cases, I am asked for my personal Social Security number to open the account. As you may imagine, in this era of frequent breaches I am uncomfortable providing my personal Social Security number on a regular basis simply to do my job. It is not required under the law. There are a number of articles on this topic I am linking one : XXXX XXXX XXXX On most occasions, we are able to successfully persuade financial institutions that they do not legally need my individual social security number in order to set up an account for my organization, which only wants to receive the money it was bequeathed. However, after several conversations with XXXX XXXX XXXX, I was essentially given the choice of disclaiming the gift for my employer or providing my individual Social Security number. I am providing that number very reluctantly would like the CFPB to stop financial institutions like Huntington from this unnecessary and intrusive of my privacy. 

The people at Huntington I dealt with were XXXX XXXX and XXXX XXXX and a lawyer named XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I took out a {$600.00} loan with Lakeshore Loans. I understood when we spoke on the phone that my monthly payments would be {$160.00} and that I would need to pay them on my pay day every month. Well I have now paid off this loan and then some and they are still saying that I owe them {$1000.00}!! So I have paid them over {$600.00} and yet my balance right now is MORE than the amount I borrowed!? I have looked and looked in my online files and I can not find my interest rate or terms, which means I never received a truth in lending document at all. Something shady is going on for me to own them this much after I have already paid back this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cordoza & Wexler Recovery Services
State: CA

Complaint narrative:
I have called the company on several occasions and they never answer. the calls get disconnected. they call every day and now have contacted my employer. I have asked them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: TN

Complaint narrative:
On XX/XX/XXXX I sent in my 8th dispute to Transunion. In this dispute I informed them of my address and told them to make sure that it is updated correctly. I also outlined the fact that I have contacted them 7 previous times by certified mail to remove inaccurate information and they failed to do so. I also made aware the fact that i keep good records and that i could show a judge proof of contact and that Transunion violated the Fair Credit Reporting Act by ignoring my request to update my address and remove all others and Investigate, Remove and Delete these unauthorized inquiries. A total of 19 items! Lastly I told them that if a proper investigation was not conducted that I will file a civil suit in my county for damages As in XXXX XXXX XXXX XXXX XXXX ( XXXX ), at which TransUnion may be liable for willful non-compliance. And also that failure to respond to my request within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00}. per violation for a total of {$19000.00} for 1. Defamation 2. Negligent Enable of Identity Fraud 3. Violations of the Fair Credit Reporting Act. 
So on XXXX I went to my local post office to send this dispute to Transunion by NEXT DAY MAIL with RETURN RECEIPT. However by the time I received the return receipt it was XXXX and the date that the card has stamped says XXXX. So the next day I returned to the post office to see when the dispute accurately arrived. To my surprise when they pulled the tracking number it shows that the dispute was received by XXXX XXXX on XXXX at XXXX XXXX. Why is there a 4 day lapse between the day it actually arrived and the day that Transunion said it arrived??? In either case it has been over 30 days from the XXXX and the XXXX since I've sent my dispute and Transunion has not responded to my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Ameritech Financial
State: MT

Complaint narrative:
Each Reminder email is to let me know a payment will be automatically deducted from my checking account on the XXXX of every month, and reminders were usually emailed on the XXXX of every month. In the XXXX   confirmation emails {$100.00} was deducted.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX FL Value XXXX I contact the company, Citi Card, via chat around XX/XX/XXXX to report the fraudulent transaction and to get a new card issued. I was told that credit would be applied in three days. Since then, I have contacted Citi three separate times, where they say 2-3 business days for the credit to apply. 2-3 business days have long passed, without the credit. 

They keep kicking this credit down the road, and I can not reach a resolution.

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 non-monetary relief
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: CT

Complaint narrative:
I received in the mail on Monday, XX/XX/2018 a letter from the aformentioned company as an attempt to collect a debt on behalf of XXXX XXXX XXXX. The letter was dated XX/XX/XXXX and gave statement of alleged amount owed and payment options available. Their 30 day window to verify the validity of the debt was already closed before I even received the letter at my residence. This is not a debt I recognize. I also do not believe they are licensed to collect in the state of Connecticut. This account has also appeared on my credit report as a collection due to this lapse. These are evasive and aggressive tactics that I will not tolerate as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX  Account Number : XXXX Date : XX/XX/2017 Amount : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX Of last year we called Mr. Cooper they made arrangements for us to pay 6 reduced payments. We had been displaced from the huricain and our property was flooded. They said that if we made all 6 monthly payments then at the end they would modify the loan. We could go back to paying around what we had been paying before the huricain. After the 6 months we contacted them and they said we were waiting on the underwriters to finish the paperwork. This went on for months. I called many times to try to get a time or date that the papers were coming. I was told they would be in the mail and to expect a XXXX  package and to return as soon as possible. Never got them. I would call to see when they were sent and XXXX would say the underwriters were not done yet, any day now. Finally I called and he said that to much time passed and I needed to file another disaster modification. I told them that I felt it was wrong, wouldn't do it. They wanted me to file to see if I could take the loan with my credit. I told them that XXXX XXXX denied me already when my dad first passed away in XX/XX/2017. My credit is bad and if I ever did get approved through my credit that the a.p.r. wpuld be much higher than my dad had. My dad left everything to me and I did everything they asked. Now they are saying that my payments are late. They said not to make any payments untill the modification was done and now bc of this we are not compliant. They say that all the phone conversations are recorded but refused to send me a copy of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 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: IL

Complaint narrative:
I have emailed them and received an reply on XX/XX/XXXX stating that they can't help. I am in school and trying to make payments through my bank automatically. They keep applying them to my closed loans ( Fully Paid ) and not my current loans. So in turn I am being charged more money on the compounding interest when my payment is being set into an account with XXXX   balance instead of the account with an balance. This is completely unfair as a consumer doing my best to pay off my loans and not be in debt they are taking more and more money because their " system '' is mis-categorizing my payments. They said that I need to email them every few months and they will transfer the money, that will leave a few months of interest compounding on more interest which leads me to being charged more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NC

Complaint narrative:
I have come to understand that this company is not licenesed to make loans in the state of North Carolina. I am also under the impression that the interest rate that I am being charged is illegal under North Carolina usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that. I have been paying {$110.00} a month since XX/XX/XXXX on a {$300.00} loan. I would consider this paid in full plus reasonable interest. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation