vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
I received a call XXXX XXXX on Tuesday XX/XX/2018 they lady was very rude and wanted information I was not comfortable giving and after I asked 3 times to not call me and only communicate with me through mail or email she said no we will just call back later then and hung up. She also kept saying how are you going to pay and this is the 3rd collection agency for this debt which is not true

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XXXX mortgage company, Mr. Cooper is withholding my insurance money for an unjust and unwarranted length of time drawing interest on my money while I am having financial burdens having paid for ALL completed repairs out of pocket. I have provided documentation for the completed repairs multiple times and they keep giving me the run around. I have left multiple prior messages for a supervisor or manager to call me back and have not received one return call. I need my money ( over {$14000.00} due to me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan reported my mom XXXX XXXX late on her auto loan account number XXXX. There was something wrong with her last payment and somehow they marked her late. My mother has never made a late payment in the 5 years she had the loan. How can they report her 30 days past due in XX/XX/2018 when the account is paid.

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 2018-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America
State: GA

Complaint narrative:
Complaint Type : Billing or Collection Issues Collection Company : Financial Corporation of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Business Phone Number : ( XXXX ) XXXX Problem : This a SCAM & Un-Verified attempt to Steal Money not Due a Crooked Collection Agency. I have received a collection notice ( # XXXX, internal number to FCA ) for a Hospitalization from an Accident that has been paid in full approx 1 year ago! This was Verified through XXXX & my Attorney!!! This Organization is a LIAR Thank you for this avenue to express and report. However, our SYSTEM Is BROKE!! Good People are allowed to be Harassed by Criminals and failed efforts to VERIFY TRUTH! " The Good thing About the TRUTH, You Never have to Explain It '' Product/Service Purchased : FAKE Collection Purchase Date : XX/XX/XXXX Date Problem First Occurred : XX/XX/XXXX Dates you complained to the company/organization First Date : XX/XX/XXXX Payment Made : No Original Debt : ( PAID in FULL ) XX/XX/XXXX XXXX XXXX Hospital XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The collection agency ( Portfolio Recovery Associates ) is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: FL

Complaint narrative:
XXXX XXXX is reporting a late payment ( over 60 days ) amount {$140.00}. I moved from XXXX XXXX County to XXXX County. I went in person 3 times to the XXXX XXXX branch located on XXXX XXXX XXXX, XXXX XXXX, FL XXXX and updated my information. I had paid my card in full and never received any statement or phone call from the bank advising that there was an outstanding balance. I was able to confirm with XXXX XXXX that they had returned mail in my account and I was advised that my case will be reviewed. I was finally advised that there were no errors on the bank 's side that is why the late payment would stay as reported. 
My credit is been affected with this late payment report. I am not disputing at this time what those {$140.00} charges stand for. I just tried to friendly resolve this issue without any success. I never enrolled in paperless statement so I think I was entitle to a monthly statement and or at least a phone call from XXXX XXXX before they reported me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo send me a letter and saying that they will close my personal and business ( including savings ) account. When I call them, they gave me no explanation as to why they decided to close my accounts. I think they think something suspicious is going on but i don't do anything illegal. So, I think they are closing my account unfairly.

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 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I contacted HSBC now to apply for a new credit card, MasterCard Gold,  to transfer a balance. Their offering states that there is 0 % interest on purchases and 0 % transfer fee for 18 months, the best in the industry presently. I was transferred to credit card agent when I asked inquiried about the maximum transfer limit. I explained to the next agent that I wanted to transfer {$21000.00} from a credit card that was charging interest to the new card. The agent stated that there was a 4 % transfer fee. I reread their offering to him and inquired whether a cash advance was a balance transfer. He agreed that it was not. Either HSBC is engaged in fraudulent deception or the agent was ill informed. I made this inquiry before I made the application. Last night I applied for an XXXX XXXX XXXX card. I explained my plan to transfer a {$21000.00} balance to the new card. The application was granted but the balance transfer was {$7500.00} and credit limit was {$25000.00}. I contacted XXXX  today and was advised that there is {$7500.00} maximum on balance transfers. The agent should have advised me of this maximum prior to completing the application. I did not want to make the same mistake twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: CA

Complaint narrative:
I notice several hard inquiries that doesn't belong XXXX on XX/XX/XXXX __ XXXX on XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: Diversified Consultants, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX originally XXXX  XXXX- XX/XX/XXXX {$490.00} Was sold to another company so I Filed a dispute explaining the account is a no contract account and was not verified. 

XXXX- XX/XX/XXXX {$4600.00} Filed a dispute that account was not verified Diverified Consultant originally XXXX- XX/XX/XXXX {$1000.00} Account was sold to another company, I have tried to dispute account stating this was not verified and account has no contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
This complaint is time sensitive to try to recover funds in 10-14 days that will reappear on the account. 

On XX/XX/2018 My employee fell victim to a phone scam. She followed their directions and went to XXXX, purchased an AMEX Serve card {$220.00} with my funds and provided the information to the caller Upon determining what had been done, I immediately filed a police report with XXXX Maine Police Department and contacted AMEX who provided me the merchant info for how the card was used at XXXX for {$220.00}. 

XXXX at XXXX was helpful and will return the transaction as fraud to the card in 10-14 days The transaction id of the fraud transaction was # XXXX AMEX SERVE is very disappointing. The did finally answer after hitting 0 # repeatedly as suggested by another AMEX department. They agreed to freeze the card for outgoing transactions but directed me to register the card. Unfortunately, in trying to register and providing all personal information including DOB, SS #, and mothers name..it continued to come back with Sorry an error occurred. I went on to repeat this process with 3 different representatives where they would unfreeze the card and it would say the same. The troubling thing is the call would go to a point then they would say hold on a moment and " we are sorry we are having technical issues with our phone system '' please try your call another time. It was very convenient how this message came up when they seem to chose. 

All that will happen now is the card will finish being registered by whoever the thief is and they card will be unfrozen and the funds gone again. AMEX will not give a new card or send the funds back to me as I requested. I am repeatedly told to register the card and the above., Resolution : I have the card in my possession, the receipt where purchased. I want my {$220.00} refunded to me at my mailing address. 
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: CA

Complaint narrative:
I notice several hard inquiries that doesn't belong XXXX on XX/XX/XXXX __ XXXX on XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XX/XX/XXXX __ XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ

Complaint narrative:
I have previously submitted a complaint against Bayview Loan Serving, claim # XXXX, for trying to collect on a debt not owed to them. Now Bayview Loan Serving is listing my home for sale on three different online sites ( XXXX, XXXX, XXXX ). The problem with this is that they do not own the home. The deed is still in our name and they do not have the right to title to sell. On XXXX the house ( XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ) is up for auction and currently there are two active bids. An interesting point is that on XXXX they list our address and details, but the picture of the house they show is not ours. Also as part of the purchasing agreement with XXXX, they attached Addendum " A '', which on page 6 # ( 5 ) states : NO RECORDING. Buyer agrees that neither this Contract nor any notice or memorandum hereof shall be recorded in the Public Records of County or State where the Property is located or any other public records. Any such recording by Buyer or anyone acting by, through or under Buyer shall constitute a material breach by Buyer of this Contract and shall entitle Seller to invoke the default provisions hereof. 
They are trying to sell this home with a Special Warranty Deed or equivalent, which by it's nature suggests that they do not have proper title. 
Bayview has no contractual agreement with XXXX XXXX XXXX XXXX XXXX ika XXXX XXXX XXXX XXXX XXXX, As Trustee For The Certificateholders of XXXX , XXXX, XXXX XXXX XXXX XXXX,  Mortgage Pass-Through Certificates, Series 2005-74T1, even to service the loan, let alone sell the property. The Trust is no longer registered with the Security Exchange Commission ( SEC ) and is not registered in the State of Delaware ( it's original point of origin ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP
State: NV

Complaint narrative:
Purchased a boat in XXXX Filed Bankruptcy in XXXX Paid off loan through bankruptcy in XXXX received credit balance check on XX/XX/XXXX Bank will not send title

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/2018 I applied for a XXXX  account to finance furniture from XXXX XXXX. On the XX/XX/2018 I contact XXXX  and let them know I cancelled the order from XXXX XXXX because XXXX XXXX ordered my furniture incorrectly. XXXX  agreed to waive the {$49.00} annual fee since I never received the product from XXXX XXXX, 30 days went by and I received notification from Fortiva indicating I was past due {$76.00} which is $ XXXX+ a late fee. I talked to them on XX/XX/2018 and I was told to call back in 7 days so a manager could review my account, I spefically asked if it would be reported past due and ahe said no. The account is now showing closed with a balance and past due. I would like this corrected to either closed at {$0.00} balance or deleted completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
These individuals continue to contact me via email and threatening to contact my employer and I have no idea who they are. Please see below : This Proceeding issued on you Docket No : - XXXX with one of SPEEDY CASH LOAN. The Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you.

Now its high time if you failed to respond in next 12 HOURS we will register this case in  court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. 

The above invoice for {$780.00} has recently become overdue for payment. As such, we would appreciate you making this payment as soon as possible. 
Settlement Options/Outside Of Court Settlement ( O.O.C.S ) : ( 1 ) Offer in compromise : {$680.00} ( Submit today to close the debt without interests ) ( 2 ) Payment of {$780.00} due has to be paid in full by installments or offer in compromise {$780.00} Today to close the debt. 
NOTE : IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF COURT THEN REPLY OUR SETTLEMENT DEPARTMENT ON : mailto :  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
The statue of limitations has expired for the outstanding HELOC with 5/3rd, but they are not going to provide me with a lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have been trying to receive a credit card from citibank since XX/XX/2018. Unfortunately, the two times they have tried sending my card since then have not been successful. I tried to cancel my card afterwards but despite being able to answer all my personal questions, they refused to do so on the grounds they could not send a message to my personal phone. They have sent a letter that would allow for my identity to be verified, except I have until now received no mail from them, so I am not confident this will work either and when I pressed them as to what will happen if the letter does not arrive, I was told that they are not sure. I am uncomfortable that I have an open account that I can not use and can not close.

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 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NY

Complaint narrative:
In XXXX my husband and i separated, i left the home at that time ... it took 7 years to come to a conclusion and a divorce with my husband retaining ownership of the home and property. We were divorced XX/XX/XXXX. At that time the mortgage was in good standing and up to date. The divorce agreement stated that my ex husband had to put the home in his name ( refinance ). He never did. And his last payment to the mortgage company was XX/XX/XXXX. He apparently didn't want the house but didn't want me to have it either. so fast forward to XXXX, i have very little power in this process due to the divorce agreement itself, i gave up my rights to the home with the understanding he would refinance, the house sits empty, i have worked hand in hand to the fullest extent i am allowed to, and finally signed a quit claim deed in XXXX. 6 mos later i am called by selene finance who states that the quit claim deed failed. I go thru the process with them all over again and it ended with this email From : XXXX XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : RE : 2nd part of email Correct. You are no longer the owner. You deeded the property back to XXXX XXXX who is the investor/noteholder. Every noteholder is required to have a servicer. XXXX and Selene are servicers. Hope that helps! You should be receiving your check sometime next week! 

it is now XX/XX/XXXX and i am still receiving statements from selene finance stating that i owe them money for the above named property, it still sits as an unpaid account on MY credit.. I have called, i have emailed, never any response, no help, answers or a game plan. this has destroyed my life ... i have no idea what do to next. i am now XXXX years old, i left at the age of XXXX i would like to have my own home again. NEVER NEVER would i ever do business with these people again, to say that they couldn't care less is an absolute understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Statement Accounts for checking and savings which have now been closed. While they were researching the fraud I purposely had them lock the accounts where I didn't have access to them and surrendered the debit card, credit card and false credit card, which I never used since it had the wrong zip code and they just added all the fraudulent charges to it that I said I didn't do plus charged back the merchant which they reported me to a collection agencies after I reported to the credit bureaus. Please see attachment. This statement printed at their branch location XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Shows my deposits it then shows XXXX being electronic transfers but my electronic withdraws only amount to {$3900.00} and ATM debits are XXXX plus overdraft fees when funds were available. Then my next statement I am at XXXX? See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that Equifax as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: TX

Complaint narrative:
showing inquires that are not mine and a collection filed ftc and XXXX XXXX

Company response to consumer: Closed with explanation