vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I n 2001,   XXXX   XXXX   XXXX  issued to me a  XXXX  ending in   XXXX    XXXX .  <P/> Their 30-day late payment notice is still on my credit report.  <P/> I believe the statute of limitations has passed.  <P/> So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX    XXXX   and their new credit card department in  XXXX   XXXX  (  XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DO NOT HAVE A LOAN EVER WITH  XXXX   XXXX  #  XXXX  THIS DOES NOT BELONG TO 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 2017-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DO NOT HAVE A LOAN EVER WITH  XXXX   XXXX  #  XXXX  THIS DOES NOT BELONG TO 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 2017-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
Castle Payday Loans outsourced my account to a third party company called  XXXX    XXXX   XXXX   at  XXXX . They phone d one of  my phone numbers on  XXXX / XXXX / 2017  making false communication tactics threatening that they were going to serve me a legal summons today and I was to call them to verify information and if I did not I would be served with legal proceedings. I attempted to contact them back to get more information and they provided rude threatening comments that I would be sued and served a legal summons if I did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: DriveTime
State: CA

Complaint narrative:
I really have a hard time understanding how Drivetime/XXXX are still able to trick and put consumers in debt for these very faulty vehicles. How is it that they are XXXX in debt but still able to sell cars? These are not inpected propetly and they give you loans that are quadruple what the car is worth. How is this possible? Yet they are will in business this should be against the law. They harrass and taunt consumers for payments yet they are no help when it comes to car problems. I want to take drive time to court and sue them they are sick to keep getting a away with this scam. Harming people who desapratlemy need a car and being dishonest. They are no help to me have'nt had my car in over a month because they want me to do all the ground work they are no help and putting me through so much for a XXXX XXXX XXXX please shut them down and make them pay us consumers back.

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 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The PMI was not automatically removed from my account when it reached the 78 %  LTV ra tio. The origional loan amount was for {$190000.00}. On  XXXX / XXXX / 2016  the remaining principal balance was {$150000.00}, just below 78 %. Since then they have still charged me {$97.00} every month for the PMI.

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 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: KEYCORP
State: NY

Complaint narrative:
According to Key Bank - my MC issued by  XXXX   XXXX  bank was closed because they received a report dated on  XXXX   XXXX ,2017 that I filed  Chapter   XXXX  bankruptcy.   Fact : I did filed a bankruptcy but that account was never included.   The account that they closed was of good standing -just made a $  XXXX -payment. The credit limit was {$5000.00} and it has an outstanding balance of just over {$2000.00}. I can not access the account thru online banking and I only have those paperless banking so I do not have papers.   I am trying to fix my credit and I have been keeping this account of good standing. I find it very unfair to just close the account that does not have a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Avant Credit Corporation
State: IL

Complaint narrative:
First let me say I 'm a member of the Armed Forces for this great country & take a huge pride in protecting it but I 'm totally against people being taken advantage of. I obtained a loan through this company & made payments on time. Shortly after I spoke with customer service & asked if i made a large payment could it be forwarded to future payments so I would n't have a payment due for about a year, they informed me that this was okay for me to do so I made the large payment. About a week after making the payment I checked my account status online & yes it stated that I indeed do n't have a payment for a year. 6 months down the road I get a notice about a payment being due so I called in & explain the arrangements that were made & they told me that it was a mistake & payment was now due. Of course I 'm furious, the rep advised me that they would escalate the issue & someone would call me back. I even had the rep look into my payment schedule & he agreed that he didnt know why i have a payment due when the online payment schedule even states that its not due for another 6 months. When a higher up called me they informed me that my payment was past due & a mistake had been made, i even looked online & behold they had changed that status to reflect that my payment was now due instead of the aformentioned 6 months. I 'm on a fixed income & ca n't afford to be swindled out of my hard earned money. This company has even reported negative marks on my credit report. I want this bad report removed from my credit profile. I 'm already considering contacting the local media about this issue in addition to letting all my family, friends, & co workers know what kind of business practices Avant is in to!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo, whom I contacted by phon e 4-5 times in the past 6 weeks, c laim an account with the name  XXXX   XXXX  had {$4400.00} deducted in  XXXX . The letter is dated  XXXX   XXXX ,  XXXX  to a  XXXX   XXXX  address ( I used to live in the building ), and I requested Wells Fargo to trace the transaction for me -- they did not to date. The letter contains reference No.  XXXX . Note : this is t he 3rd requ est to CFPB also, and the last response I could not open the indicated text!

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 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Hello, I 'm trying to purchase my first home, and i, ve pulled my credit report and items are appeared to be on there that should n't. I 've tried numerous times with all credit bureaus on trying to fix this things, and they would n't help me. These collections thats being reported. I 've been trying to resolve the multiple negative accounts on my credit report, ( XXXX, XXXX and XXXX ) are negalecting to verfiy the accounts properly to determine which ones are duplicates or orignals. Due to poor lack of investigation and communication I 'm requesting that all accounts be removed. Because this is really hurting my future and my living. <P/>XX/XX/XXXX-National Credit Systems- {$3600.00} XX/XX/XXXX-XXXX- {$1000.00} Inquiries on XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/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 2017-06-28 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: Kirkland Asset Management LLC
State: OH

Complaint narrative:
I am getting calls for my brother in law every single day. I have told this company to call him and stop calling me. I owe no debt. They are using 3rd party disclosure telling me how much he owes and that he will be sued very soon. Harassing and frankly making me feel very uncomfortable. I might hire an attorney myself.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I send this letter to file a complaint and to inform you that PNC Bank and their investors are in the process of rejecting my attempt to have a short sale of my home at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. My current economics simply do not allow me to pay this mortgage and a short sale is my most logical option for me to financially get back on my feet. I have asked PNC Bank what else do I need to do or prove to receive financial assistance in the form of a short sale and they choose not to pay attention to the facts and details that have brought me to this moment. I was told by my former employer of 13 years that I was going to be terminated at the end of 2016 and I scrambled for several months to find a job I was qualified for which happened to be more then 100 miles away from my home in XXXX. By moving and taking this new employment in north XXXX, I also accepted a pay reduction that will come out to nearly {$30000.00} less annually than what I made previous years. A comparison of past pay stubs will support this. I have a rental property that is operating at a negative cash flow rate, which is another major contributor to my economic troubles and is also a candidate for short sale/foreclosure. Im also in the process of recovering from a failed business attempt to open a pharmacy. Previously I had marked a XXXX XXXX Money Market account as a personal retirement / investment account which at one point had over {$85000.00} in it and it is now reduced to nearly {$15000.00} which will be reduced even further to pay off other debts associated to this failed business opportunity. Based upon all these factors, is there still no way to approve this short sale or at least have me pay forward a penalty so I can come to a settlement with PNC? PNC Bank refuses at this moment to listen to my requests and has decided to list my home for foreclosure on XX/XX/XXXXof this year. Please help me. Review my file with PNC Bank and please help me come to a resolution where I may avoid foreclosure and financial ruin to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Date XXXX XXXX 2017 My jumbo mortgage is now being serviced by Nationstar Mortgage, who bought it from the former service. My mortgage payment is typically debited from our joint checking account on the first of the month. <P/>My husband called Nationstar several times this month to ask whether it would be drawing the XXXX 2017 payment from our account or whether we should send a check, and was told ( variously ) that we " would be getting a welcome package, '' " to wait a few days '' and that Nationstar " could not speak to him about a house in my name. '' He finally asked me to call. <P/>I called today and spoke to " XXXX. '' I wanted to make the XXXX payment, had " no loan number yet '' and that I should n't worry about the XXXX payment because I would not be charged a " service fee for 60 days if I were late. '' I was furious as I am a former loan officer and knew that a late mortgage payment would affect my credit score. I asked for a supervisor and told her I did n't care about avoiding a late fee, I wanted to pay my mortgage. At that point, I was told " that the line was being recorded, '' at which point I told her to give me someone who could resolve the issue because I was going to the CFPB and the Texas Attorney General. I was stunned that she was urging me to stop worrying about paying my mortgage for " 60 days. '' That is when she gave me the loan number. <P/>What is happening here is obvious. Nationstar lies to customers in hopes of collecting fees from the mortgage holder for collections. This company needs to be closed down, as I have never heard so many lies in such a short period of time. They do not deserve the fiduciary responsibility associated with servicing the largest investment most families will make in a life time. <P/>I can not imagine how it would be to call Nationstar with a problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 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: CA

Complaint narrative:
I had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX .   XXXX   has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the  Code  "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ... Transunion has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the letter.

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 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been able to work out the problem for me in this instance, but it is a serious enough issue I want to alert the CFPB. Elan Financial Services sent me a promotional offer through the branded name of St. Mary 's Credit Union. The offer included many details ( mostly mandated by law ) such as apr, use by date, interest, etc. What it failed to disclose is that these can only be drawn on up to 92 % of available balance. I calculated the transfer amount plus transfer fee to be within the available balance with a small it of leeway. I did n't take into account the 92 % rule, because I did n't know about it. When I spoke to them, they said it is disclosed in my CREDIT CARD terms and conditions. It is n't even on the fine print of the offer. Of course banks know that most people do n't read the T & C much less remember such details. Why would the not indicate this on the offer? I have no idea, but if I had n't caught it, I would have bounced other checks that this transfer was to cover. This rule is fine, but it MUST be clearly included in the terms of the offer.

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 2017-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: National Credit Services, Inc.
State: FL

Complaint narrative:
I was forced to take their loan ..threatened to garnish my wages if I did n't pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have had a personal American Express Green Card since 1996. My payments are on time and up to date. I currently had a balance due of {$810.00} for XX/XX/XXXX. But without any prior notice or warning, my account was closed on XX/XX/XXXX. I learned of this when I went to my online account. On XX/XX/XXXX, I had a message to call their XXXX number. I called and the representative said it was a mistake " because someone reported fraud. ". the rep said my card was fine. When I checked my online account two days later, my account said 'CLOSED '. I made at least 3 different phone calls. At first, no one could tell me why my account was closed. Then, the rep forwarded me to another department for help. On XX/XX/XXXX, I spent 90 minutes on the phone with many different reps to ascertain what happened and why. I finally got an answer to why was my card cancelled " this was a business decision ''. the rep said I would receive a letter. I received a letter two days later with a very short explanation stating " your card was used for unintended purposes. '' Both my daughter 's and husband 's card was also cancelled. They did not receive any letter. The AMX letter is inaccurate and false accusation. I have NEVER used the card for an unintened purpose. I use the card properly. <P/>I really think this is outrageous that this can be done. I want to know what was the business decision. <P/>thanks so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
the debt as payed on  XXXX   XXXX /2017 was payed  XXXX  i requested a letter of proove they have not send it i called  XXXX   XXXX   2017  to request and email of proof of payyment never recived it. i called  XXXX   XXXX     2017  for and email once again of proof of payment never received it. they said  24 to 48 ho urs nothing yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
BACK IN 2015 I WAS A VICTIM OF A ROBBERY AND I WAS INJURED. I HAD NO INSURANCE. WHEN I WAS SEEN AT THE HOSPITAL A LADY FROM PATIENT SERVICES CAME INTO MY ROOM AND ASKED FOR INSURANCE INFORMATION I ADVISED I DIDNT HAVE ANY. SHE SAID I WOULD QUALIFY FOR A CHARITY CARE AND ALSO TO GO AND APPLY FOR A XXXX CARD. AND THEY WILL COVER THE BILL. I APPLIED FOR A XXXX CARD AND RECEIVE IT. I WAS TOLD THAT XXXX WILL GO BACK AND PAY THE DR. BILL FROM MY INJURY. I TRIED CALLING THE DR . OFFICE XXXX XXXX XXXX XXXX AND I WAS GIVEN THE RUN AROUND. THE LADIES IN THE OFFICE KEPT SAYING SOMEONE WILL CALL ME BACK AND NEVER DID. I ASSUMED EVERYTHING WAS OJ SINCE I HAD LEFT MY XXXX INFO WITH ONE OF THE LADIES IN THE OFFICE. SO ABOUT A FEW MONTHS LATER A COLLECTION AGENCY CALLED ME ABOUT THE BILL AND I EXPLAINED TO THEM THAT I GAVE THE DR. OFFICE MY XXXX CARD INFO FOR THE BILL AND I ASSUME EVERYTHING WAS TAKEN CARE OF. I TRIED TO GIVE THE COLLECTION AGENCY MY CARD INFO FOR XXXX THEY WERE RUDE AND WASNT HEARING IT. THEY WANTED MONEY. IT IS NOT MY FAULT THAT THE XXXX INFO WASNT FILED IN A TIMELY MANNER. AND THIS BALANCE SHOULD NOT BE ON MY CREDIT REPORT. THE COMPANY FELL TO FILE WITH XXXX IN A TIMELY MANNER

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 2017-06-28 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: AL

Complaint narrative:
BACK IN 2015 I WAS A VICTIM OF A ROBBERY AND I WAS INJURED. I HAD NO INSURANCE. WHEN I WAS SEEN AT THE HOSPITAL A LADY FROM PATIENT SERVICES CAME INTO MY ROOM AND ASKED FOR INSURANCE INFORMATION I ADVISED I DIDNT HAVE ANY. SHE SAID I WOULD QUALIFY FOR A CHARITY CARE AND ALSO TO GO AND APPLY FOR A XXXX CARD. AND THEY WILL COVER THE BILL. I APPLIED FOR A XXXX CARD AND RECEIVE IT. I WAS TOLD THAT XXXX WILL GO BACK AND PAY THE DR. BILL FROM MY INJURY. I TRIED CALLING THE DR . OFFICE XXXX XXXX XXXX XXXX AND I WAS GIVEN THE RUN AROUND. THE LADIES IN THE OFFICE KEPT SAYING SOMEONE WILL CALL ME BACK AND NEVER DID. I ASSUMED EVERYTHING WAS OJ SINCE I HAD LEFT MY XXXX INFO WITH ONE OF THE LADIES IN THE OFFICE. SO ABOUT A FEW MONTHS LATER A COLLECTION AGENCY CALLED ME ABOUT THE BILL AND I EXPLAINED TO THEM THAT I GAVE THE DR. OFFICE MY XXXX CARD INFO FOR THE BILL AND I ASSUME EVERYTHING WAS TAKEN CARE OF. I TRIED TO GIVE THE COLLECTION AGENCY MY CARD INFO FOR XXXX THEY WERE RUDE AND WASNT HEARING IT. THEY WANTED MONEY. IT IS NOT MY FAULT THAT THE XXXX INFO WASNT FILED IN A TIMELY MANNER. AND THIS BALANCE SHOULD NOT BE ON MY CREDIT REPORT. THE COMPANY FELL TO FILE WITH XXXX IN A TIMELY MANNER

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