vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Check Resolution Inc.
State: OH

Complaint narrative:
eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an case filed against me that included " malicious intent. '' and " check fraud ''. I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an allegation made against me by " XXXX '' that included " malicious intent. '' I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: HEARTLAND PAYMENT SYSTEMS INC

Complaint narrative:
For about a month I am trying to pay my loan via XXXX debit card, but the new website for Heartland ECSI is not allowing me to do so. I spoke to customer service and they told me that there was a problem with the website but 3 weeks have gone by and I still cant pay through the website. 

I filed a complaint with CFPB and in XXXX XXXX the company replied to me saying that yes, that payments with XXXX card using XXXX could be made. I have tried to pay again using XXXX and I still am not able to pay. I inmediatelly answered to their email but they have not responded, and I am still not being able to pay using my XXXX debit card. 

I now live in XXXX and I am very worried because I want to pay my student loans and this company is not allowing me to do so after they changed their website. 

I am afraid also that they will give me late fees because payments are not able to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My personal identifying information was exposed in the Equifax data breach. I am listed as a potential victim on the equifaxsecurity2017.com website and would like a resolution. I had to pay {$10.00} each to XXXX and XXXX to place a freeze on my credit reports with those bureaus ; I froze my credit with Equifax as well, it was offered for free. The problem is that the PIN to unlock the freeze for each of them may be reset with the same information that was leaked in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: OH

Complaint narrative:
I have a collection account on my transuion report XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX fro {$87.00}, and i dont owe them nor do i know who they are.

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 2017-09-21 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: Telerecovery Corporation
State: TX

Complaint narrative:
Telerecovery placed a debt on my credit report that does not belong to me. The company that hired them called Telerecovery and verified the social listed in the records was incorrrect and requested the information be updated and removed from my credit report. I asked Telerecovery for something in writing advising this was an error and they have submitted the request to the credit bureaus to remove the account. They advised me the company does not provide written documentation of such request. The supervisor advised they already submitted the request and she could verbally give me the AUD # of the request they submitted. When I asked to speak with her manager, the manager advised that the request had not been submitted and they are " working on it ''. The fact that these people are frustrated that I 'm asking for this information based on their error and incorrect information is astounding and completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: United Debt Holdings, LLC
State: IN

Complaint narrative:
On XXXX XXXX of XXXX, I took out a payday loan with XXXX XXXX XXXX in XXXX, Indiana. The amount that I borrowed was {$600.00}. The loan was due to be paid on XXXX XXXX, XXXX. On XXXX XXXX, I and my family moved out of the apartment complex we were living in. I forgot to pay the payday loan that was due. I got a phone call from XXXX XXXX XXXX that this money was due. Instead of us going in to pay the loan amount due in person, the company always took the amount out of our bank account. There was not enough money in the bank for them to collect the money for the loan. That is when the problems started between us and XXXX XXXX XXXX. They harassed us about this money due. We did not hear anything from them for a while. I was going to try to take out a payday loan where I live now. When I tried it, they denied me because they said that it showed that I had an open loan out and I could not get the payday loan. I have called XXXX XXXX XXXX to try to get this settled. They gave me the number to their collections department. When I called the collections department, they said that they had sold my account to a collection agency. The person talking to me gave me the number to the collection agency. I called that agency and all I got was the person that I was supposed to talk to their voice mail. I left a message and he or she did not get back to me. I am still trying to get in contact with this company and am not having any luck. Please see what you can do to help me get this matter settled. I recently tried to apply for a payday loan and got the same answer. That there is an open loan out there and I can not get a payday loan because of this problem. Thank you in advance for your help.

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 2017-09-21 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: NJ

Complaint narrative:
I am a XXXX XXXX twice and can not handle anymore stress at all! 
I am a mother of XXXX college students that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XXXX XXXX XXXX. Car was taken by XXXX XXXX XXXX. They alll KNEW about this car because in XXXX I filed suit under 1 800 Lemon Law XXXX and XXXX researched all in XXXX XXXX! 
The bank the lender the dealer made me stay and pay! I almost died in that car. It would come to a COMPLETE STOP at 60 and 55mph, On star callers engaged so many times from the car for HELP! Towing Repairs in Excess of 8,000 over 24 months and payments and auto insurance. FINALLY XXXX  XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have zero cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a college graduate of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED

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 2017-09-21 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: NJ

Complaint narrative:
I am a XXXX survivor XXXX and can not handle anymore stress at all! 
I am a mother of XXXX XXXX XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXX I filed suit under XXXX XXXX XXXX XXXX XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost XXXX  in that car. It would come to a COMPLETE STOP at 60 and 55mph, XXXX XXXX   callers engaged so many times from the car for HELP! Towing Repairs in Excess of 8,000 over 24 months and payments and auto insurance. FINALLY XXXX  XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have XXXX cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: NJ

Complaint narrative:
I am a XXXX survivor twice and can not handle anymore stress at all! 
I am a mother of XXXX XX/XX/XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXXI filed suit under XXXX XXXX Lemon Law XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost died in that car. It would come to a COMPLETE STOP at 60 and 55mph, On star callers engaged so many times from the car for HELP! Towing Repairs in Excess of XXXX over 24 months and payments and auto insurance. FINALLY XXXX XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have zero cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED

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 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was charged unreasonable service fees by Capital One Credit Card Company. I made a cash advance transaction from ATM Machine in XXXX on XXXX XXXX 2017. Capital One charged me extra service fees for the same transaction in violation of the Fair Trade Act.. I was charged 3 additional amounts of {$10.00} for the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I refinanced my mortgage with Freedom Mortgage on X/X/16. It was never disclosed to me my previous escrow balance would be used to pay down my current mortgage. Furthermore I specified to my representative I did not want my escrow used to pay down my loan, nor did I sign anything authorizing this action. I was assured this would not happen. Three months after my refinance, I realized my mortgage had gone up substantially. When I called to find out why, Freedom Mortgage explained to me they charged my account for a shortage in my escrow account and raised my monthly mortgage payment to cover the shortage. After further research, I discovered Freedom mortgage did use my escrow to pay my loan down. I have reached out to Freedom Mortgage several times to address the matter with no 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 explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
im so upset there are address i never lived at on my transuion credit report that i never lived at i have tried to call there XXXX number with no help there are also thing on there that i did not do on my cards like XXXX XXXX XXXX XXXXr XXXX XXXX woman with in XXXX and few others i have lived at XXXX while XXXX XXXX some of these things have happend i am on XXXX and there is no way i can aford these bills why should i have to pay for something i didnt do thank you XXXX 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 2017-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Capital One Auto Finance on Monday, XXXX XXXX, XXXX to inform them of an extended financial hardship due to the recent disaster called XXXX XXXX. I am currently on a payment plan and have a payment scheduled to be debited on XXXX XXXX, XXXX. I called Capital One Auto Finance to seek further assistance due to my inability to work which affected my financial circumstances as a direct aftermath from XXXX XXXX. The representative advised that I would owe {$860.00} on the scheduled draft date or be subject to escalation measures which includes repossession of the vehicle. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX has declared the areas where I live and work as disaster zones which creditors are made aware of. Being that I will not receive compensation to meet the demands of Capital One Auto Finance in less than a week, I am afraid to loose possession of my vehicle which helps me to transport to and from school and work daily. I have been working hard to maintain the original loan agreement even though my current pay rate is 60 % less than what I earned at the time of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
A supposed debt collection agency out of XXXX named Midland Credit called me and stated that I owed some {$610.00} from an account that was closed in over three years ago in 2014. I was skeptical since I could barely understand those speaking to me. They did have some information about me and the account correct, but there have been so many breaches and hacks lately that I figured this was a scam. 
I am concerned because I checked my credit report and see that Midland Credit has been able to place a derogatory statement against my credit on XXXX and XXXX. I am having a hard time trusting these credit reporting agencies, also, due to recent breaches. 
Is Midland Credit bonafide? Since the debt was settled over three years ago, what do I do now?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 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: NC

Complaint narrative:
I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract ( attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies inXX/XX/XXXX. 

This has been harming my credit history, profile and score since then.

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