vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 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: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I live on XXXX XXXX florida. my home was damaged by IRMA XXXX-17 my mortgage THE MONEY SOURCE company offered me government supported FHA Disaster-related Special Forberance program. they offered me 3 months of NO payments with no reporting of the lateness of the 3 months. I took XXXX XXXX XXXX no payments used that money to cover the deductible of my wind insurance to repair the home they hold the mortgage on. {$8800.00} deductible. in their written letter they stated the next payment was due on XXXX17 .... 
.they emailed me on XXXX17 my account was going into foreclosure for being 90 days late. In there written proposal it states my regular payments will reassume in XX/XX/2017 ... .I made the payment by phone XXXX-17. I called them first week of XXXX and asked for an explaination I did what they said made they said I was still 3 months past due and they were sending mr specific instructions on how to get back in GOOD Standing with THE MONEY SOURCE.. they mailed me a plain to make 3 monthly payments by cashier cheks and after that they would reconstruct my loan to change the balalnce to reflect my balance plus XXXX I signed and restarted my loan. Through this whole process they reported me over 90 days late 5 months ... .KILLED my credit score

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit file that Equifax maintains under my social I have come to find out that XXXX XXXX XXXX has inserted 9 accounts under my name damaging my credit that does not belong to me. I am a victim of identity theft and there have been many accounts opened using my driver license and social. Not only did XXXX XXXX not inform me that they were inserting negative information into my credit file they didn't give me the opportunity to request validity of these alleged accounts. I have never done business with XXXX XXXX  nor ever had a contract with them stating that I have an obligation to pay them any funds. I have never done business with the company they represent either. Every account listed with this company is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Debt paid in full three payments recorded in system last payment paid and I have forwarded bank statements as proof each time I am being given the run around the debt was paid statement and transaction information provided I want this removed from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: MD

Complaint narrative:
On XX/XX/2018, I applied to XXXX XXXX for an auto loan. My daughter XXXX XXXX and I applied as co-buyers and were approved for a loan for up to {$35000.00}. 

On XX/XX/XXXX, we went to XXXX XXXX to look at a car that we saw online. 

At the agency, we indicated to the selling agent, XXXX XXXX, that we already had XXXX XXXX financing approved for the vehicle. However, the salesperson indicated that they were going to try to get less expensive financing and asked us to wait until they checked. However, my daughter and I were unaware that they were doing hard credit inquiries as we waited for them to come back, but the sales person, who had our application announced that they were going back to the XXXX  XXXX offer that I brough in since they could not find a better deal for my daughter, XXXX, and we indicated that we told them that from the start -- that we already had XXXX XXXX approval for me at {$35000.00}. We purchased a XXXX XXXX from them. I am attaching the images of the agreements if you need them. 

However, several days later, my daughter, XXXX and I received credit rejection letters regarding financing for the XXXX. Recently, when I looked at my credit report, I was surprised to find two ( 2 ) hard credit inquiries. My daughter found seven ( 7 ) on her credit  report. We are complaining because we don't recall giving XXXX of XXXX any consent or authorizations to do any inquiries, especially hard inquiries, as we already had our financing available with XXXX XXXX, which we processed ourselves. 

I am attaching a copy of the screenshots of mine and my daughter 's hard inquiry information as it appears on our credit bureau report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
XXXX XXXX sent my debt to a collection agency. The agency was called " XXXX XXXX XXXX. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. 

I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. 

I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from XXXX XXXX XXXX XXXX XXXX. 

I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. 

I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to Diversified Adjustment XXXX, who ( Diversified Adjustment ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from Diversified Adjustment dated today showing my debt is marked " no balance due. ". 

As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the Diversified Adjustment person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. 

It appears that XXXX sold this debt twice. It was clearly assigned to XXXX, XXXX and I met their offer and timely replied. XXXX gave it back or sold it to Diversified Adjustment. I even got an email today showing a " confirmation number '' of paid in full from XXXX. Settled in full means settled in full. It doesn't mean another go round. 

My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have a Mortgage being serviced by Mr. Cooper. I tried my best to get a HAMP Loan Modification. I made 3 TPPs also. Couple of them I admit were a bit late, because my father had a XXXX XXXX XXXX and I was running around the Hospitals and Doctors. However they say that they got only 2 TPPs., strangely, although I submitted my bank statements in proof of their taking all 3 payments. 

They sued me for Foreclosure and in their attached Law Suit Papers filed in the XXXX County Supreme Court, they show a total amount ( including interest, legal charges, escrow advances etc. ) of {$390000.00} due as on XX/XX/. Even this figure needs a detailed break down. 

But, if you calculate the per diem interest from XX/XX/2018 up to XX/XX/2018 it will amount to {$7100.00} - {$40.00} x 175 Days ). If you add these 2 figures, the Total dues are {$390000.00}. However, in their attached Pay Off Letter as of XX/XX/2018,  they are showing a Total Amount due as {$410000.00}. That is a whopping {$20000.00}. How come they are overcharging me such a big amount? I need a detailed explain with calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX I initiated a wire transfer from my Capital One 360 checking account for the value of {$2700.00} to an intermediary bank for deposit into my XXXX   currency investment account. I have completed transfers like this at least five times in the past. 

My wire transfer was rejected because Capital One said only transfers related to closing on a home may be made to an intermediary or title bank. They referred me to their terms of service as proof of this rule, but it is not listed anywhere : https : //www.capitalone.comXXXX  I am currently in the process of moving my business from Capital One to XXXX XXXX instead , but this will take a fair amount of time. Regardless, misleading consumers is not appropriate and should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I identified some accounts on my credit reports that were unauthorized and I mailed Equifax all the necessary paperwork to have these accounts removed and Equifax has ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IN

Complaint narrative:
Please see Attachments : I received a foreclosure letter from a law firm saying I owe the mortgage co. XXXX on XX/XX/XXXX18. I called the mortgage company spoke to my account manager XXXX XXXX he stated that I have a lean on my home. I ask him why did they approve the short sale and stating that my realtor can just make a offer on my home. 
I received 2 offers on my home from buyers. I sign off on the cash offer for XXXX for buyer to purchase my home. 

XXXX XXXX XXXX Principal Broker XXXX XXXX XXXX, XXXX XXXX Referrals are greatly appreciated and are the highest form of compliment! 

On Tue, XX/XX/XXXX at XXXXXXXX XXXX, XXXX XXXX XXXX wrote : XXXX, thank you for your email and docs. Because you have complied with the list price we will provide FC protection. The foreclosure has been placed and will continue to be placed on hold as long as the marketing continues with the agreed list price. Obviously if we approve a short sale, the foreclosure will continue be placed on hold. 



Let me know if you have any additional questions. 





XXXX XXXX Asset Disposition Specialist Fay Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, IL XXXX XXXX toll free XXXX direct XXXX fax XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To :  XXXX XXXX XXXX Subject : RE : [ External ] XXXX XXXX XXXXXXXX PLACE PRELIMINARY HUD XXXX We have rushed this should be about 3 working days.5-7 is typically our turn around! XXXX XXXX XXXX Business Development Officer Department or Division Name XXXX XXXX XXXX | XXXX | *If wiring funds to XXXX XXXX , please call us at XXXX to verify our wiring instructions prior to wiring the money. We want to keep your money safe! 

XXXX XXXXXXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX Office : XXXXMobile : XXXX Fax : XXXX Email pkgs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

XXXX, IN XXXX Office : XXXX Fax : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: DISCOVER BANK
State: TX

Complaint narrative:
Received an email on XX/XX/2018 and a phone call Discover wanted to verify the authorized users and I verified the information. I even used my account after we spoke and never knew there was a problem. I called Discover to ask them why I wasn't able to use my account, was informed that my account was closed and that they have the right to close my account at any time, without providing an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmart, LLC
State: CA

Complaint narrative:
Starting on Monday, XX/XX/XXXX until Today, I have called 8 times to their toll free number XXXX to get a payoff quote to pay the loan off. Each time I waited for 5 minutes on hold, then was told to leave a message and I would get a return call. Each time I left a message and my cell phone number. I finally got a call back late Tuesday XX/XX/XXXX and was provided a payoff for XX/XX/2018. They would not process a payoff sooner, charging me interest for 3 additional days. The interest rate on this loan is 149 %. Please note, although I provided my bank account information for a payoff on Friday, XX/XX/1018 I am NOT sure this will go thru. There was also an attempt and/or questions as to why I am paying off this loan early as they were trying to talk me out of it.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: NY

Complaint narrative:
I received a notification from Gulf Coast Collection Bureau on or about XX/XX/XXXX regarding an alleged debt to an entity called XXXX XXXX. I contacted them in writing advising that I had no knowledge of this debt, asked for validation of same, specifically in the form of any authorization with my signature for this laboratory to perform any services, and in response I received a " statement '' showing my name and address that provides no additional information or, more importantly, my authorization for any work from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gordon & Wong Law Group, P.C.
State: CA

Complaint narrative:
I was paying Gordon & Wong a monthly payment of {$50.00} and sent to their address on XXXX XXXX. in XXXX the payment was returned. I tried to submit payment again in XXXX, and XXXX with the same result. I also called the business on XX/XX/XXXX and XX/XX/XXXX, but was unable to leave a message. 

Fast forward to XX/XX/XXXX when I received a 5 day notice to pay a past due amount of {$350.00}. I had never received any written, verbal, or electronic notice from them, despite the fact that I was told they had sent notice of their new address in XXXX and XXXX. 

I couldn't send a payment if I didn't know where to send it. I should not be held responsible for past due, or in the very least, be given some leeway on the past due amount, since I never received any written notice on their change of address, though they insist that they sent it. This is not the first time this has happened with this company, as I had initially found out they had taken over my debt by receiving a wage garnishment notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
The loan approval process through Eagle Home Mortgage , LLC an affiliate of XXXX XXXX has been nothing short of a nightmare. The loan was issued with a cosigner. The amount of information that was being requested by the " underwriting '' process was above and beyond what was actually needed. The amount of information that was submitted to multiple loan officers with this company that was lost, not uploaded to underwriting, or requested in so many different forms that it has prolonged the actual loan approval for a closing that was dated XX/XX/18. The dates for closing have been changed so many times, up to the last issue we've encountered. We were set to close tomorrow XX/XX/18 and never sent a corrected closing disclosure until XXXX XXXX the evening before. ( XX/XX/18 ). Upon review it was noted that the insurance company/premium was incorrect. Looking back in emails the updated information was sent to loan officers on XX/XX/18 and XX/XX/18 that the insurance company had tried several times to contact with no success. Why on the eve before closing, in a closing disclose we are required to have 3 days before, is the insurance information not corrected when myself sent it to them ... this is the question we all have! Now due to their incompetence we yet again have another issue with the dated closing being not adhered to. The required by law closing disclosure has yet to be received at XXXX XXXX the evening before we are set to close. We have received NO final corrected closing docs, NO title company info, NO downpayment final number, and the loan officers are no longer taking our phone calls. Total incomplete and better yet I feel that my private information is being used against the final approval of this loan/mortgage. The last contact we've had with the loan officer led to a insult due to a job vacancy in the middle of this loan process and was handled in the most unprofessional manor.

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 2018-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cascade Collections, Inc.
State: OR

Complaint narrative:
After almost 4 weeks of trying to reach XXXX from cascade collections. She finally emailed me and told me to call her as she has very little options for payment plans. I called her and she started to tell me I need to get a loan or a family member to lend me {$5000.00} to payoff this debt as my {$100.00} set up payments are no longer allowed she also said if I disagree there will be a judgement against me told me she knows I never had any and I should try to get the money before it happens she asked me what else do I pay and to provide 3 months worth of paystubs than her and her manager can look over. I told her I have XXXX kids and the father of my kids is not with me. I told her I can not afford a lot. I really cant. She told me since there has been a retuned check she can not accept payment with checks I advised I can pay with debit card she said first I need to see if I can get a loan even from my XXXX and she asked what loan places I have used and I did tell her I have tried but I can not get approved I told her if when I get my taxes I would clear the balance she said with all those kids you get a good refund. She also stated if I can not do {$300.00} a month she is not going to accept payments and will sent to involuntary collections where my credit will be affected. I asked why if for the past weeks I have attempted to satisfy my delinquency? She didn't address that question and told me to send her 3 months worth paystubs. We have never had a written agreement she always was helpful up until now she did state her manager is the one telling her to not accept payments. She also asked if the father of my children pays child support I said no that I am currently working on taking it to court she asked how much you asking for child support I told her {$500.00} and she said I could use that once it starts. I am pressured and scared for my livelihood I pay XXXX of rent and my car and insurance is almost {$1000.00}. She and I had an agreement that they would wait for my taxes to payoff now they want the full balance and said her client ( XXXX XXXX XXXX ) Comes first

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AR

Complaint narrative:
XX/XX/18- Consumer File was requested ( Consumer ) USPS Tracking :  XXXX XX/XX/18- Consumer File Received from Company ( Company ) XX/XX/18- Dispute was filed regarding Bankruptcy reporting via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Method of verification was requested and copy of letter from the alleged Creditor denying the reporting of Bankruptcy was sent ( Consumer ) USPS Tracking : XXXX **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- Reinvestigation requested via telephone ( Consumer ) XX/XX/18- Dispute was allegedly verified by Company ( Company ) XX/XX/18- Another request for the method of verification sent to Company ( Consumer ) **No response received within the fifteen ( 15 ) day allotted time per the FCRA** XX/XX/18- No response has been received ( Company ) XX/XX/18- Complaint filed with CFPB ( Consumer )

Company response to consumer: Closed with explanation