vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-22 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: IL

Complaint narrative:
In XXXX of 2016, I was notified by XXXX XXXX credit monitoring that a credit application was made for a XXXX XXXX credit card using my social security number. Shortly after the first attempt, another attempt was made, this time with XXXX XXXX. I confirmed that these were fraudulent attempts, filed a police report, and submitted the requisite documentation to the credit agencies to implement a 7-year fraud alert on my account. While I was able to get both hard credit inquiries removed from my XXXX and XXXX accounts, they still remain on my Equifax report -- negatively affecting my credit score. Since the original incidence of identity theft, I have filed a total of 11 disputes with Equifax ( two examples attached ), but they still refuse to remove the hard inquiries. Despite evidence I have provided, Equifax still insists these are " a factual record '' : > > > We have reviewed the inquiry information for XXXX ( XXXX ). The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX > > > We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I needed another copy of my Social Security Card. I am attaching a file I wrote previously. I am so angry I do n't believe I can type it all again. When I realized they wanted my drivers license, insurance card, etc actually mailed in AFTER I HAD PAID THEM ... no way was I sending them off to someone. I called and CANCELED MY ORDER. XXXX with XXXX said I could only get half back! That is why I called Netspend to cancel my card and file a dispute as they already had my money! The Netspend Customer Rep REFUSED to cancel but said he would file a dispute ( that he DID NOT FILE! ) but he said he " WANTED TO PUT MY MONEY BACK TO SEE IF THEY WOULD TAKE IT AGAIN!! '' I told him I wanted my card CANCELLED!!! He still refused! I am trying to live on {$730.00} a month which is impossible!!!! He did not follow company guidelines for such things. Each time they sent me an email and said if I wanted my documents in reference to this issue to message them back. I get another email repeating the same thing. Today I got a letter which I will also attach! I am now unable to access my account! The past three times I have tried to log-in, my password does n't work. I reset the password and get into my account and I am literally KNOCKED OUT of it!! Try again and my password does n't work again!!! This is more than ridiculous!!! I 'm madder than anyone can imagine!!! My SSN was stolen originally by my ex-husband. I made a huge, stupid mistake because I have a difficult time going anywhere and no, I am totally alone and do NOT have anyone to help me. More criminals have my SOCIAL SECURITY NUMBER AND OTHER INFORMATION, THE ENTIRE {$37.00}, OF WHICH THEY NEVER REFUNDED HALF OF AS THEY CLAIMED, NOR DID I EVER RECEIVE ANYTHING! As for the one email I was able to take pictures of, Netspend claims their rep verified the purchase with the company??? If it was n't a scam then, where in the XXXX is at least 1/2 of my money? Or, where is my SS Card? Why am I bring locked out and knocked out of my account since I sent them my reply to their email? I do n't have enough time to transfer my Direct Deposit to another card! The way they are behaving suddenly, and it is NOT a coincidence, no way in XXXX, I 'm afraid they will keep my Direct Deposit. I have never seen anything like this before but nothing surprises me anymore either.

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 2017-08-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Champion Mortgage erroneously force placed flood and hazard insurance in the amount of {$6700.00} causing my balance to become negative and putting the loan in default. Valid insurance was in place for the period XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX Champion generated a " Notice of Condominium Insurance Requirement ''. I received that by USPS on or about XX/XX/XXXX. I  notified Champion I indeed have the insurance and put them in touch with the condominium manager to verify. Force placement occurred XX/XX/XXXX. On XX/XX/XXXX we again sent the XXXX policy to Champion showing proof of insurance. XXXX statement dated XX/XX/XXXX received on or about XX/XX/XXXX reflected same charges and default of mortgage.Countless phone calls and faxes proving  insurance in place finally yielded a " Notice of Force Placed Insurance Cancellation '' dated XX/XX/XXXX received on or about XX/XX/XXXX. However no funds have been deposited back in the account thereby leaving the loan in a defaulted status. More letters from Champion on XX/XX/XXXX and XX/XX/XXXX asking for proof of insurance even after receiving the Cancellation of Force Placed Insurance notice! Again, after hours of phone calls Champion agreed that the monies should be credited back but as of today, XX/XX/XXXX no such action has occurred and the loan remains in default. I am afraid other charges will accrue and my credit is being hurt. Champion continues to provide no answers as to when the monies will be credited and what they will do the repair any damage to my credit. I continually have to speak with different people and explain the error they made over and over only to have to next person tell me they see it in the system but there is nothing they can do. An appraiser came to the house today and Champion said it was because the loan was in default. Today at XXXX XXXX they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I had a court case with the apartment company called XXXX XXXX of XXXX XXXX. In the case, the judge made no money judgement against me. But after the case, The company still ignored the ruling of the court and sent in an amount of {$1600.00} to a debt collecting company called Pro-collect. And i have contact pro-collect several times about the illegality of this debt with a supporting court document but they failed to honored the document. Also, i have contacted the three major credit reporting bureaus and as of now, it is only XXXX that has honored the court document by deleting the debt from my credit record. Therefore, i am kindly requesting from your office to look into this case. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I took a personal line of credit ( payday loan ) out from this company and have been trying to setup a payment plan for my balance with no help. This company is charging me 299 % interest on a {$850.00} loan and they have a daily interest rate which every 14 days is costing me almost {$100.00} in interest. CashNetUsa is robbing people from their hard earned money. Something has to be done about the outrageous interest rates they charge. I have paid over $ 600+ in fees and interest already this year on a {$850.00} line of credit this is beyond a good company this is a scam and fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I have had three specific problems with an company called Rent Debt Automated Collections ( " RDAC '' ). First, they did not let me know about my option to dispute the debt. Second, after I made a payment, they refused to provide any payment confirmation, receipt, or even copy of the payment arrangement. Third, they provided my confidential information to my attorney without any information release or proof of identity. My debt with RDAC is based on an old rent balance at a apartment complex in XXXX, North Carolina called XXXX XXXX XXXX. I did not know about the balance or debt until I was applying for housing and it came up on my background check. I did not receive any court summons, notification of a judgment, or option to contest the debt once RDAC took possession. In order to resolve a current housing problem, I decided to try to set up a payment plan with RDAC. They stated the total amount was XXXX, and I gave them my bank account information to draft {$100.00} per month on the XXXX of every month. After the first payment was made, I called RDAC to  request a receipt or payment confirmation. They refused to provide that information. I asked why they would not give me any proof that I had made a payment, and they told me it was their company policy to never provide anything in writing. I asked if I could see a copy of the policy, but they declined to provide that as well. After I was unable to get any proof of payment or payment arrangement, I contact XXXX XXXX of XXXX XXXX. An attorney at XXXX XXXX, XXXX XXXX, contacted RDAC to find out more information. According to him, he provided them my name and Social Security number, and they spoke with him about my account details. When he asked for a receipt, payment confirmation, or account history, they declined to provide it. When he asked why they declined, they said it was because of company policy. Again according to XXXX XXXX, he then escalated the call to a manager. XXXX XXXX again requested a receipt, payment confirmation, or payment history, and was again advised it was against their policy to provide anything in writing, " Because we found that once we provide proof of one payment, people stop making payments. So our policy is that we never provide proof of anything until there is a {$0.00} balance. '' XXXX XXXX then found a customer login portal on RDAC 's website, and asked for my login information. They provided both a username and password without receiving any information release from me or proof of identity from XXXX XXXX, only my name and SSN. Once XXXX XXXX was able to log in, he was able to access a payment history which he printed and provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : Fair Collections & Outsourcing Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking weed, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to FCO. I spoke with FCO sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.

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 2017-08-22 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: AZ

Complaint narrative:
Hello I have requestion for validation of this debt through transunion and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

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 2017-08-22 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: TN

Complaint narrative:
An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : XXXX, XXXX and Transunion, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.

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 2017-08-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : XXXX, Equifax and XXXX, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint of the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The communication from the lender is not clear or accurate - we have been speaking with the lender since XX/XX/XXXX - we were advised on this date the file was with the underwriters and nothing was being requested for the review - on XX/XX/XXXX we were advised the review was denied due to missing items and that the client has a buyer for the property - this was not the case and the lender was never told about a buyer for the property - the client simply asked for a payoff statement for informational purposes. At this time we requested updated docs from the client for a new review to be completed since the lender closed out the previous review due to the Payoff being requested. The lender has refused the new application that was submitted to there office 3 times since XX/XX/XXXX the latest being on XX/XX/XXXX- when we called to follow up to ensure all information was received, we were advised they are not reviewing this file due to the previous denial in XXXX due to affordability ( this was NEVER discussed ) we were told there would be no appeal period or review for this client as he can afford the payment. We requested a supervisor, we were transfered to a rep named ( XXXX ) this Rep should not be working for your company - when we explained to her the situation, her response was ( SO WHAT DO YOU WANT ME TO DO ABOUT IT ) - I explained again the situation and requested this file to be reviewed properly since the package was received more than 30 days prior to the sale date of XX/XX/XXXX - the " supervisor-XXXX '' said just a minute let me get someone else to help you - We were HUNG up on - this is unacceptable under any circumstances and the review of this file should be completed per RESPA guidelines and Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

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 2017-08-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a second mortgage with Bank of America that was forgiven under a settlement and I had read that it should show on my report as paid and closed I received a letter dated XX/XX/15 this was going to happen. When I tried to refinance with my mortgage company they said it showed on my report as a short sale which created a big issue. Also when I get my free reports I do n't even see it on there but XXXX XXXX saw it. I need to get this fixed so it says paid and closed and not as a short sale or I will continue to have this issue. Thanks

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 2017-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have been struggling to pay my student loans. I am XXXX and the options that Nelnet is offering me just brings my balance higher every time they report to the credit buearus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I have been contacting/attempting to contact XXXX XXXX of XXXX XXXX XXXX. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is allowed to speak to me.
I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims AAFES returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.

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 2017-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have had Navient since they took over my XXXX XXXX loans a few years ago. They have pushed forbearance sand deferment on me and caused my repayment to double. I now owe over {$80000.00}. Also, they have reported me as delinquent to the credit report bereaus when they had told me I was in deferment status and they had never processed the paperwork I sent in to them. This caused me to also be denied loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello I have requestion for validation of this debt through XXXX and capital one. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

Company response to consumer: Closed with explanation