vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C.
State: CO

Complaint narrative:
I would like to add some information to my already opened case #  XXXX . We got a few days ago a document from the court, which was held 20 days ago. About this court nobody inform us. Collection agency urge us to set up the payment plan. How we could set up the plan, when  XXXX   XXXX  still counting late fees twice a month, after they put us under collection more than 2 years ago? Follow their rules, if they are getting regular payment by  XXXX  of each month, never will be any late fees. Follow our attachment it 's not seems like that. To get last statements through  XXXX   XXXX  we could n't because it accessible only to administration. Resent paperwork we got through  XXXX   XXXX  lawyer office. Since  XXXX / XXXX / 2015  we paid to  XXXX   XXXX  {$6500.00}. Our money somewhere lost follow our attachments. We are sending all our payments on time, but on court paper was n't noted. They showed only their processing fee in amount of {$1200.00} which was illegally stolen from our bank 's account. We would like to correct our debt amount through  XXXX   XXXX  first, and then to set up the payment plan through collection agency. When I visited  XXXX   XXXX  administration, I did n't get information, because they said it 's going through computer, and nobody could correct it.  XXXX   XXXX  cheated on residents with their service fees. If nothing will change, we 'll collect signatures from our residents regarding poor serv ice. The street near ou r house very damaged for a few years and anyone could turn the neck by walking.  XXXX   XXXX  sleeping in a darkness at night time, because just a few lights are working in the streets. Question : Resident! Pay huge money for poor service, and wait until our pockets will be full to do any better service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
Since  XXXX / XXXX / XXXX , I have been Disputing fees charged by Nationstar Mortgage.     I was forced to Close escrow and pay disputed fees on  XXXX   XXXX ,  XXXX  or be subject to  Breach of Contract with the Buyer.      The amounts in Dispute on my Closing Statement with  XXXX   XXXX   XXXX , are Interest owed in amount of {$3900.00}. Amount of {$14000.00} for Escrow Advances. Legal fees in amount of {$420.00} and lender paid expenses in amount of {$440.00} ; assuming legal and lender paid expenses are a result of misapplying payments and charging for an Escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: ClearPath Lending
State: GA

Complaint narrative:
CLEARPATH LENDING sent me a promotional offer for a refinance loan product despite the fact that there is a promotional opt -out block on my credit file.

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 2017-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I have sent debt validation letters and never received validation of debt.

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 2017-05-23 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: NRA Group, LLC
State: TX

Complaint narrative:
XXXX   XXXX   XXXX  has listed a past due account for the     XXXX   XXXX    XXXX   XXXX . Per my insurance documentation and the agreed upon of their agreement with th e    XXXX   XXXX    XXXX   XXXX , this bill was paid and my responsibility is {$0.00}.     I emailed th e    XXXX   XXXX    XXXX   XXXX   (   XXXX  XXXX  XXXX  ) on  XXXX   XXXX ,  2017 a nd have not received a response. I also mailed a letter to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017 and h ave not received a response.     Please assist me in having this removed from my credit profile.     Thank you,  XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Rented a car from   XXXX   XXXX   XXXX   using my MasterCard to initiated my car rental using my Capital  One   MasterCard endi ng in  XXXX . I had a accident in the rental car, I decline insurance from the car rental company initially, because I believed based on what my credit card company informed me that I was covered. The claim was made to  master Card a round early part of  XXXX   2017, after I h ad gotten into a car acciden t,   XXXX   XXXX   resp onded by issuing me a claim number #  XXXX ,  XXXX  Also ask for the following documents : Car rental agreement, credit card statement and miscellaneous documents ;  Cardholder respon ded with items he had received from Capital One,  XXXX   XXXX   XXXX .   XXXX  res ponded via email with what appeared to be benefits agreement, I 've never known this agreement existed. I looked over my document after sending the first set of Documents in and discovered the billing on  XXXX   XXXX   XXXX  was not final, it state pending Charges I contact   XXXX   on  XXXX   XXXX ,  2017 for c orrect updated billing which reflects payment for the car rental ; from my  MasterCard  ending in  XXXX .  XXXX  send me a decline of my claim on  XXXX   XXXX ,    2017 st ating I did not follow the agreements set by there insurance carrier ; please contact  XXXX  regarding there dodging there clear responsibility to co ver. ( Cardholder Sincerely   XXXX   XXXX   )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I have a Conventional with PMI mortgage.
SunTrust Mo  rtgage  / Loan officer   XXXX   XXXX .   I believe I have been charged PMI inappropriately since the mortgage was issued based on the loan to value ratio.   I have called the local branch and was told  XXXX   XXXX  no longer works there and given a direct number to call. When I did I was told I would have to pay for another appraisal to file for discontinuance of PMI. Again my complaint that I should never have been charged PMI was politely ignored.   My appraisal document shows the appraisal at  XXXX  and the  appraiser  states that is on the low end of a scale between $  XXXX .and {$540.00} My original loan amount (  XXXX / XXXX /   14  ) was {$360.00} which equates to 72 % of the appraised value even at the lower end of the scale.   No one will discuss or admit that it is clearly below 80 % which I believe is the threshold for PMI requirements. I have copies of the appraisal Etc.

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 2017-05-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Mobiloans, LLC
State: NC

Complaint narrative:
I received a call in  XXXX  from a company called  XXXX   XXXX   XXXX  . They are a debt collector hired  by Mobiloans. De spite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of  XXXX  for a debt that was  XXXX . I agreed to pay back the amount of  XXXX  in  3 in stallments of  XXXX . I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was  XXXX . I called the company to inquire about this and was directed to a man named  XXXX . He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the "  XXXX   XXXX . '' He wanted to know who signed the letter and I said it was only signed  XXXX   XXXX  but it was sent by  XXXX   XXXX . He then forwarded my call to  XXXX   XXXX .  XXXX   XXXX  was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took  XXXX . She said it 's not valid and you have to make payments in the amount of  XXXX . I said I could n't afford that, especially in the summer months as I am a teacher and do n't get paid in those months. She accused me of bouncing a check t o Mobiloans and  threatened th at I may very w ell be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called Mobiloans and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this  XXXX   XXXX  uses often. This is a horrible company and should be shut down. Thank you,  XXXX   XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was recently made aware of an upgraded credit c ard ( Metal Card ) Capital One i s   offering to SOME of their customers. An associate of mine received this card after hearing about this new product. He reached out to Capital One and after speaking with a few employees an exception was made and they provided him with a new metal card. We both have Capital One Venture cards so he prompted me to connect with Capital One to to get the new upgraded card. I 've had issues with my Capital One card bending and not working with some merchant : therefore, I was very interested in this new product they were offering.
Today, I reached out to Capital One to receive   an upgraded metal card and  was told several different stories why I do n't qualify for this card. I was told there are two types of Venture cards, Type I and Type II. Unfortunately, I ha ve the wrong type. After escalating, I was told it is only for new customers and not existing customers. I told supervisor  XXXX   ( I.D. #   XXXX  ) my associate has been a customer for over  two years  and was not a new customer. Lastly, I was told it 's a test market and only some customers are receiving this new card at this time. At this point, I 'm not sure what to believe. I 've been a C aptial One credit card customer for 13 years ; however, I 'm not receiving the same benefits as my associate and other Capital One customers. I 'm not sure how they are selecting their " test '' population, but in today 's banking environment you can not be too careful with UDAAP violations. I sincerely hope their decision making is n't based on race/ethnicity, income level 's or some other unjust criteria. Please help me receive the same benefits as other Capital One customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  Consolidated Recovery Systems  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide  by the FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in  XXXX  of   XXXX   and the false information is still showing on my credit reports under the first  XXXX  names listed : Date  XXXX   XXXX ,   XXXX   Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX   XXXX  : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c.  The Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
From  XXXX  to  XXXX  of  XXXX ,  Borrower  made timely payments on his mortgage loan of {$150000.00}. In  XXXX , Borrower lost his normal monthly income when he was undergoing treatment for  XXXX   XXXX   XXXX   XXXX . When he realize d he could no longer make monthly payments, he submitted a comprehensive package of financial, medical, and tax documents, exactly as prescribed by Lender, requesting a temporary forbearance on monthly payments. The Lender failed to communicate effectively with the Borrower, despite numerous telephone calls attempting to speak to an employee with adequate training that would enable them to understand the facts of the situation. Several Lender clerical-level workers communicated with Borrower suggesting refinancing, a solution totally inconsistent with Borrowers medical circumstances, income outlook, and posture of being under a tax lien. Borrower wanted to discuss a deed-in-lieu of foreclosure as it relates to a federal tax lien. However, no one with sufficient knowledge of either DIL or liens would contact Borrower by telepho ne. In  XXXX   XXXX , afte r four payments were missed, Lender filed foreclosure papers in court. It is maddening that no one from Lender, with appropriate experience and authority, will contact Borrower as requested ; no one from Lender acknowledged the facts presented in the forbearance application in fashioning foreclosure alternatives ; and that Lender essentially behaved as if they were a computer program, spitting out notices to Borrower following a sequence of steps that were heedless of Borrowers circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
II r eceived a letter ( by mail ) from COMENITY CAPITAL BANK dated   XXXX   XXXX  .   COMENITY CAPITAL BANK  XXXX   XXXX   XXXX , OH  XXXX .  XXXX  I had applied for a MY PLACE REWARDS credit card account which Comenity Capital Bank issues and handles any account-related matters. The letter stated that they were unable to approve my application as I did not meet their debt to income requirements. M y credit score a s of   XXXX   XXXX   XXXX     :  XXXX  I contacted them immediately asking why I had been denied the credit with an Excellen t credit score. Unde r the Fair Credit Reporting Act, which they based their credit decision, in whole or in part, on information they obtained from  XXXX . They told me they could tell me nothing at all and I would need to contact  XXXX . I did so, and after explaining my situation and telling them that I was n't concerned at all about the denial of the card, I wanted to make sure that this did n't leave a denial on my credit.   XXXX   explained to me that they could n't tell me anything and I would need to contact COMENITY. Since I 'm at a standstill, I just want to get an answer verifying that their denial ( and purpose ) will not be on my credit report. I have ALWAYS had excellent credit. I do n't want this to jeopardize my credit.     I would appreciate any help you can give me to get this issue straightened out and to insure that this has n't effected my credit. Thank you.      XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently submitted a dispute package to Experian. This package contained proof of my identity and current information -- along with letters and proof of identity theft ( affidavit and police report ). The investigation was completed however not all of the accounts that were  opened as a result of the ID theft have been removed, nor was provided with any debt validation information ( 15 U.S. Code 1692g -   Validation of debts ) or proof. The following accounts need to be removed from credit report :  XXXX   XXXX  {$3700.00},  XXXX  {$3000.00},  XXXX  {$3000.00},  XXXX   XXXX  {$1600.00},  XXXX    XXXX   XXXX    {$20000.00},  XXXX  {$790.00}.

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 non-monetary relief
Consumer complaint received 2017-05-23 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was contact ed by a 3rd p arty loan discharge program and was advised that  XXXX   XXXX   XXXX  along with Navient were under  a Class Action suit. I explained I was in program with Navient to repay my loan under an Income Based Repayment plan. I was advised that I should qualify for an Pay as You Earn program which has lower requirements than the IBR plan. They also mention that this is one of the practices that brought about the class action suit against Navient because they mislead customers no loan repayment that is less cost effective for the customer but benefits Navient. I was also given multiple offers of forbearance instead of being offered a more affordable payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION,   XXXX   have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX    XXXX   -   XXXX   XXXX   -   XXXX   XXXX   XXXX   were all removed from my reports th en re ad ded again, these are not my inquirys these applications were done without my permission.   I have asked TransUnion several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.

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 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: FL

Complaint narrative:
Calls all times and leave messages to call back for a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation