vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I received debt collection calls around XXXX XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XXXX XXXX when my wallet was stolen, and that I did not authorize the accounts at the service location. Contrary to DC 's XXXX XXXX, XXXX response to Complaint XXXX. XXXX, the account was NOT delinquent before my identity was stolen. The fact that DC 's records does not reflect their debt collection efforts correctly ( i.e., does not show that I identified this account as fraudulent upon first receiving a debt collection phone call ) highlights their negligence. To make it perfectly clear because we are obviously dealing with a company that does not keep adequate records : MY IDENTITY WAS STOLEN IN XXXX XXXX. The XXXX XXXX XXXX account became delinquent in XXXX XXXX. I was informed of the delinquent, fraudulent debt in XXXX XXXX and informed DC AND XXXX XXXX XXXX that the debt was fraudulent and reported the account to the XXXX Police Department to be included in my identity theft report. Thus, as of XXXX XXXX, both DC and XXXX XXXX XXXX knew the account was fraudulent yet continued to report the account to the credit bureaus on XXXX XXXX, XXXX. 

The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''. Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - XXXX XXXX XXXX with Incident No. XXXX. After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls. I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit. Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX  and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum. Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
The short sale was approved by Chase on XX/XX/XXXX. Settlement was scheduled originally for XX/XX/XXXX. The documents were submitted to Chase for HUD approval on XX/XX/XXXX. The closer did not respond or even review the documents until the day before settlement ( XX/XX/XXXX ). Upon reviewing the information the closer advised that he could not get HUD approval in time for settlement and that he was backed up on other HUD approvals. He advised we reschedule settlement for the XX/XX/XXXX or XX/XX/XXXX. 

Settlement was rescheduled for the XX/XX/XXXX, ( today ). The HUD approval documents were resubmitted the morning of XX/XX/XXXX, giving a full 3 business days for review and approval as instructed in the short sale approval letter. HUD approval has still not been issued. In speaking with the Chase escalations department, there is nothing they can do and several files are backed up. I was advised to cancel settlement and wait for a response from the short sale department. 

The short sale approval letter expires tomorrow. Chase is not handling this file properly and we are going to lose a buyer. This home will end up in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call regarding an old credit from XX/XX/XXXX. I was told that they had gotten my name from the original collection agency and that they were representing this company - XXXX XXXX XXXX for {$730.00}. I told them I did not have this money to pay and was threatened with my bank account being frozen, loss of my driver license and arrest. I had been a victim of a scan last year and told them this was the case so I hung up. This morning, XX/XX/XXXX I called to see about paying the money in installments starting XX/XX/XXXX to which I was told I would have to at least pay part of the loan. I requested they send my this legal documentation by mail to which they refused stating they would send me the information by email. The woman I spoke to was once again threatening and she hung up on me. I am attempting to get this matter sorted out and would ask for your assistant

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a credit card with Bank of America and have used promotional offers for balance transfers from credit cards. This is what they offer : " A balance transfer has several benefits, including : Saving you money on interest and monthly charges Consolidating debt, which may help you pay it off faster One statement with one payment due each month '' So, I thought that if I paid my statement in full I will pay my purchases and the balance transfer, because they said " one payment due each month ''. So I made a full payment of my balance on time, before the due date and I was charged interest, also, they said I still owe {$260.00} from my balance transfers. They do n't show the remaining balance related to balance transfers on their statements nor their website in their online bank, so there is no way for me to check what they are seeing or to check how much I have paid and how much I still owe. This is really a problem, because I do n't know if there is a mistake or not, if they are overcharging me or if what they say I owe is true or not. I do n't like to be late in my payments and I really do n't feel that the bank is being honest with me. 
It seems they apply my payments in the amount I owe from the statement, plus from the current purchases, but it is not clear how much they are applying to the remaining balance from my transfers I can show you my last statement if you need to see it. In my previous statement the total balance was XXXX and that 's what I paid and now they say I still owe {$260.00} due to the balance transfer. In the page where they post the Interest Charge Calculation, the balances there go up or down every month, even if I do n't do any new balance transfers and that is very confusing.

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 2017-08-30 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: TX

Complaint narrative:
I could not find an option that matches my complaint but selected this option. I have a account with XXXX with a excellent payment history.They outsource their Customer Service/Billing Dept. to XXXX or XXXX and half the time a customer can not understand what they are saying or they provide answer to question you did n't ask. It frustrates the customer that causes to agree to anything just to get help. 
A few months ago I was diagnosed with XXXX XXXX and called XXXX XXXX to notify them and to get assistance with my account that would not affect my credit. They refused to assist with my account therefore I did n't have a choice but to allow the account to become past due. Although on the first call you tell them the financial hardship, they called me 4 -5 times a day asking for payment and telling the customer to borrow the money to pay them. I got so frustrated and stressed that I stop answering the phone. To harass the customer into borrowing money to make the payment, they started placing the same derogatory item on the customer 's credit report twice a month. Due to my identity had been compromised, I have a credit monitoring service. In the past 2 months, XXXX reported the same information on my credit report 2 - 3 times in the month. I started questioning if that was legal. Below are the dates of everytime XXXX reported the same information as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and continues the harassing calls. For the most part, my other creditor assisted in keeping my account current where I would not have any derogatory information on my credit.

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 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
XX/XX/XXXX statement said that {$1400.00} was due by XX/XX/XXXX in order to avoid late penalty. 
On XX/XX/XXXX I wired {$150000.00}, which was enough to pay off the mortgage.
On XX/XX/XXXX Nationstar Mortgage returned {$150000.00} to my checking account. 
To date Nationstar has not sent me an XX/XX/XXXX bill but looking at my account online they say I did not make an XX/XX/XXXX payment and they have tacked on {$63.00} late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I leased a XXXX XXXX XXXX on XXXX XXXX, 2017 that requires payments to be made for {$1700.00} for 36 months. 

The dealer who sold me the car lied to us about tire and wheel coverage and when presented with the facts agreed to refund the cost of the policy in the amount {$1900.00}. 

They would not issue me a check directly but sent the money to BMW Financial who promptly posted it as a credit to my account. They produced a statement reflecting that i would owe nothing for the month of XX/XX/XXXX and had a rollover credit of {$260.00} for the next month. 

Regardless they still took a payment of {$1700.00} on XX/XX/XXXX Their explanation to me was the billing system and the auto-pay system do not talk to each other. I control neither system, they are XXXX 's systems. 

These two systems ought to speak to one another to avoid this and the potential O/D charges and credit report impact that their outdated systems create.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX I disputed a collection that was being reported on my credit report by XXXX XXXX in the file that Equifax maintain under my social security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to sub paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL

Complaint narrative:
I answered my phone at around XXXX on XXXX XXXX to an unknown number. The man asked if he was speaking to me ; I said yes. He asked if I lived at X address ; I said no, that was an old address and asked what this was regarding. He mentioned a debt I owed to a health club membership and said that it had been turned over to his collection agency. I asked for my address to be updated and for information regarding the debt be sent to me and told him that I fully plan on paying off this debt. He updated my address and provided me with a reference number and phone number to reach him at. 

He then proceeded to ask me about my employment status and the amount of my rent. I said that I am unemployed ( I have a small child that is totally dependent on me for care ) and that my fiance covers living expenses. He asked how long I had been unemployed and then asked if I was prepared to make a payment. I said two years, I had to quit the day my daughter was born as we do not have any one else to help us with her care, and said that I would like to start making payments in XXXX. I had my debit card out, ready to give him my card number for automatic withdrawals to start in XXXX at this point. 

Instead of closing the deal, the debt collector got really nasty. He started talking about how I have n't worked in 2 years, how I 'm living off of my fiance 's income. ( I actually work very hard as a homemaker and a mother to my child with absolutely zero help or babysitters or family to help, but did not have a chance to explain this. ) At this point, I realized that my particular debt collector was a misogynist, but I tried once again to tell him that I would like to start making payments in XXXX -- again, card in hand. He told me nastily that he could n't wait until XXXX. I said I have no extra funds currently, so he was going to have to. Here is where his misogynistic tactics actually scared me : " We most certainly do not. '' If I had already made it clear that I do n't have the money to make payments this quarter, how does he think he 's going to get the money from me? Does he want a pound of flesh? That 's literally all I have to give right now. I do n't understand how it would benefit him to threaten me like that. Again, I blame his blatant prejudice against women. I was so scared at this point I hung up on him. I need to pay this debt, but at this point I am terrified to call the contact number he gave me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check in my Wells Fargo checking account on XXXX XXXX. The check came from my checking account at XXXX. After completing the deposit, I received a message from Wells Fargo that XXXX funds would be held for up to 10 days. The funds were withdrawn from my XXXX account on XXXX XXXX. 

There is no reason for Wells Fargo to hold on my money for so long. This will probably trigger some additional overdrawn fees on my account. I was going to pay down my credit card balance. I was going to pay several bills, but this delay to access my funds means more late charges. 

I would like Wells Fargo to release my funds to me immediately.

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 monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, on behalf of Capital One Bank ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have sent a notice to AR resources via fax on XX/XX/XXXX at XXXX to fax # XXXX XXXX XXXX to validate that I do n't owe this debt. The company had 10 days from the time they received the notice to respond to me. they have not responded and they have not removed the item from my credit file. When I called them on XX/XX/XXXX, they said they have to dispute the debt with the original creditor. I have no agreement or contract with the collection agency. They refused to update their records. I have attached the document i sent them. This is hurting my credit from getting loans and paying higher insurance rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo ... ... I tried to dispute it as instructed, they have been taking 4 months to resolve it, the law says 30 days

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 2017-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MT

Complaint narrative:
OneMain Financial said I was approved for a personal loan of up to {$6800.00}. Not " pre-approved '' nor " tentatively approved '', but " approved ''! Then they did not honor their promise. This kind of deceptive business practice must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Amcol System Inc. Amcol System Inc. does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. So, I checked the Secretary of State Texas Debt Collections Division website and found out that Amcol System Inc is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In fact, I need all account that they have in their office under my given social security number and first & last removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I was contacted several times by Midland Credit Management about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a XXXX credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Dear CFPB, My fixed 30 year mortgage with VHDA when up from approximately {$2300.00} to approximately {$2400.00}. VHDA and XXXX XXXX reported to me that my mortgage was a 30yr fixed mortgage when I bought my new townhouse. Now I have been told by VHDA that my HUD insurance when up. VHDA told me to call HUD for further explanation. I called HUD FHA Resource Center and they referred me to CFPB to file a complaint to VHDA. I hope you can investigate my case ( FHA Case Number XXXX ) at your earliest convenience. I appreciate your assistance. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation