vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
My XXXX covered all my expenses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ovation Financial Services, LLC
State: TX

Complaint narrative:
I am currently in processed to be XXXX since I have several health issues such as XXXX, XXXX XXXX, XXXX XXXX  XXXX, my bones are the ones of a XXXX XXXX XXXX woman. So currently I can not work, I am applying for ssi. So I can not make the monthly payments I have on my home tax loan. I have tried to work with them to lower my payments since my kids are the ones helping me right now but they have families of their own. I have been treated with disrespect from employees of this company. I can not reach an aggrement with them since they do not want to lower my payments, I have send them proof of my medical issues and they do not care. I am at risk of losing my home or have a forever debt since whenever I can give payments it goes to the interests only. I am desperate. This company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Mr. Cooper my mortgage company is saying that I have missed payments on my mortgage, however, I am up to date on my payments. I have spoken to 3 different representatives and each of them keeps telling me they are looking into it but no one gets back to me. At one point my mortgage showed due for the XXXX payment, and then once they appeared to start looking into this it is now showing due for the XXXX payment. Then, I received 2 letters telling me that my account is due for my XXXX payment and threatening foreclosure. I left 2 messages today for one of the representatives on the letter-XXXX XXXX and still did not receive a call back. I called again and spoke to another representative XXXX XXXX in the same department as the other representative who told me that the problem has been fixed and that I am now due for my XXXX payment. I have gone through all my statements all the way back to XX/XX/2018 and can prove that each payment has been made and I should be due for the XXXX payment. I spoke to a customer service rep a few weeks ago, who agreed with me that I should not send in my XXXX payment until this is resolved so that Mr. Cooper does not get confused in trying to resolve this issue. 

One of the reps told me the reason they are confused about my payments is because I have been making partial payments. I explained that I spoke to a representative several months ago who told me that I could go on their website and click on the " Make a Partial Payment '' button and make my payments that way. It says, " We understand that sometimes you are only able to make a partial payment. But keep in mind, you need to make your payment before the due date. '' This is what I have been doing since my paycheck is not enough to cover our entire mortgage payment. Our payment amount is {$1700.00} and I have been paying {$1800.00} a month. If their computer system can not handle customers making payments like this then they should not offer this option on their website. I have attached my bank statements all the way back to XXXX showing my payments. Below are the dates and amounts of each payment and which payment these amounts have paid. 

XXXX pmt- {$1800.00} debited from my account on XXXX XXXX pmt- {$600.00} debited XXXX, {$500.00} debited XXXX, {$700.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$700.00} debited XXXX, {$500.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$500.00} debited XXXX XXXX {$600.00} debited XXXX, {$700.00} debited XXXX {$1800.00} XXXX pmt- {$1800.00} debited XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On my XXXX report I have 11 Hard Inquires including the XXXX credit cards still open from HSBC bank, but not used because it is transferred to my new HSBC credit card. Also, those XXXX cards are still there when I check my bank account statement. Additionally, all those 11 hard inquires is because of fraud. Please, if there is any way to delete or clear the 11 Hard Inquires on my credit report when it was based on fraud claims through the years. Transactions that I did not make causing my credit to be very low and can not apply for other credit cards or increase my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
on XX/XX/2018 i send a XXXX dollar cash money from XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ohio XXXX to my wife n son in XXXX for our fastival XXXX but .when i send that they give me tracking number and i give to that to my wife n she went to XXXX  store in XXXX  to take that out but they not give her after that i call consumer services number in united states but they say me some XXXX try to fraud n scams that n they declined that transaction.then refund me that money back but they say me me not allowed to send any more money from america to XXXX for anyone.i try next day from other stores but there also it show transitions not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was trying to open an account at XXXX XXXX but I was denied and they told me to call XXXX  XXXX  XXXX.When I reached out to XXXX, they explained to me about the attempted to transact with an account in a unauthorized and prohibited manner. I have no clue what they are talking about. It was 2 that they sent to me. This was with Bank of America that they stated I had an account with at the time.I 'm clueless to what their talking about and I'm trying to get this matter taken care of because I can't open up another bank account due to this reporting to XXXX XXXX XXXX. I'm looking to hire an attorney to see what's actually going on with this account. At the time, I was living in a alcohol and drug facility and i lost a lot of my personal information. 
My consumer ID # XXXX Bank of America I look forward to hearing back from someone soon. 
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 2018-10-02 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: TX

Complaint narrative:
I sent in several written notices to Transunion, XXXX, and XXXX within the last year stating identity theft/fraud was committed on my account. The fraudulent accounts were never removed. The amounts in question are {$3700.00}, {$1900.00}, {$680.00}, {$620.00}, {$450.00}. I have obtained a police report as it pertains to identity theft.

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 2018-10-02 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: TX

Complaint narrative:
I sent in several written notices to XXXX, XXXX, and Experian within the last year stating identity theft/fraud was committed on my account. The fraudulent accounts were never removed. The amounts in question are {$3700.00}, {$1900.00}, {$680.00}, {$620.00}, {$450.00}. I have obtained a police report as it pertains to identity theft.

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 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/2018, I opened a checking and savings account with SunTrust bank and was approved. I began receiving emails with my account information and instructions to fund my account. I just started a new job and was awaiting my direct deposit to hit the account to fund it. Every day since then up until Sunday XX/XX/XXXX, I received multiple emails to fund my account. The requirements stated that we had up to a few weeks to fund the account. Then on Saturday, XX/XX/XXXX, I received in the mail 2 notices that both the checking and savings accounts were closed and if it wasn't my request, to contact SunTrust directly. I contacted the customer service line on Monday, XX/XX/XXXX and was told it was due to bank regulations regarding fraud that they closed my accounts. I later received in the mail, a debit card, a debit card pin and a separate letter stating my accounts were closed by the SunTrust XXXX XXXX XXXX. I was not given an explanation of what might have happened, because I have not committed any fraud. I did get married in XXXX and my name has changed, but it's disturbing to be linked to anything fraudulent when you have not committed fraud. I understand that banks have the right o close accounts at will, but why open the account from the beginning and then suspect fraud as opposed to contacting the customer to ensure they've entered the correct information. Sometimes typos can look fraudulent, but it's just a average customer wanting to bank with a specific brand.

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 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MD

Complaint narrative:
Hi Team, National recovery collection agency they did not send any notice to me and opened a {$65.00} amount account on XX/XX/2018 on my credit report.

I called them about the account then they send back notice to contact them in 30 days.i called again and asked more details on this account but they give an email ID for any further communication. I sent out 3-4 Email after that but they never responded. 
Again I called them but they said will update in some days .after more than a month I have not received any account information back from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
Cbe collection said I owed debt I paid with debit card over the phone in full Said they would remove it from my credit report from XXXX if I paid in full they had it taken off and put it right back on I have contact both XXXX  and cbe collections and they blame One another I am trying to buy a house and the collection on my credit report is keeping me from it please help me Resolve it I have online recipe of payment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: World Acceptance Corporation
State: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to WORLD FINANCE CORPORATION and all e credit bureaus. It is now XX/XX/2018. I sent the WORLD FINANCE CORPORATION and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a payment for concert tickets via XXXX, so that I could take my mom to a concert. The tickets were {$200.00}. I contacted XXXX and Wells Fargo, my bank, and both declined to help.

Im out {$200.00} and my mother never made it to the concert.

Im heartbroken and feel violated by this.

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 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
Effective XXXX our mortgage was transferred to XXXX XXXX. In the opening letter, XXXX stated that effective XX/XX/XXXX we were to begin making mortgage payments of {$2400.00} to them instead of the previous mortgage company. T In the letter they state that the amount due is {$2400.00} and that will be the amount of subsequent payments. We paid in XXXX, XXXX, and XXXX. As of a few weeks ago they started contacting us staying that we were delinquent. I called and spoke with four representatives and a supervisor, all of which gave a different story. Initially the first representative stated that because I paid XXXX cent over on one of the payments, that payement went into a supspnse account. He further stated that he email the cash department and they will move the funds and everything will be cleared up. When I started paying the mortgage for XXXX XXXX it was still showing delinquent and I called again. This time a supervisor stated that they sent to XXXX payment to another mortgage company and as a result, we were delinquent. I asked advised home that, as instructed in the transfer agreement, we sent the payment to XXXX every month on tine and did not authorize the payments to be used for anything else. He further stated the the account remains delinquent because they shifted the funds from the suspense account. I have made all payments per the transfer agreement and can provide evidence via Bank XXXX XXXX and XXXX is trying to say we are still delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 to XXXX XXXX XXXX and all e credit bureaus. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and all the credit bureaus a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.

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 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
please be advised that a copy of this letter has also been sent via certified mail. the equifax, and XXXX credit reporting agency both continues to be dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, it was confirmed that the company XXXX was the supplier of this invalid account being reported, but they could not validate these bankruptcies with XXXX and therefore XXXX deleted the items, however equifax and XXXX continue to say that this company is their supplier of this invalid info.I hav never lived at the address this bankruptcy was filed under, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). please provide me with the courthouse name, address, phone number of who verified this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
please be advised that a copy of this letter has also been sent via certified mail. the XXXX, and experian credit reporting agency both continues to be dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, it was confirmed that the company XXXX was the supplier of this invalid account being reported, but they could not validate these bankruptcies with XXXX and therefore XXXX  deleted the items, however XXXX and XXXX continue to say that this company is their supplier of this invalid info.I hav never lived at the address this bankruptcy was filed under, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter  attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). please provide me with the courthouse name, address, phone number of who verified this 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 non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TMX Finance LLC
State: LA

Complaint narrative:
I was a few days late on a title loan from XXXX XXXX, as i was backing out a XXXX XXXX in XXXX XXXX when a repo truck blocked me in lift my car up then told me to get out or they would pull me out.

I responded you can't block me in an restrict my movement that is holding me against my will and it's called false imprisonment. As i was still in the vehicle the driver began driving off with me in the car. They drove about 15 feet then stopped, i told them i alerted the police an that this was actually a kidnapping. One of the repo men said XXXX XXXX told us take your car an please call the cops back an tell them everything is fine. They first blocked me endangering my life and others then threatened to pull me out the car and after that drove off with me in the vehicle. California law states any unwanted movement of a person more than 3 feet i believe is kidnapping.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2018 I went on XXXX to make my payment. I set my payment to come out on XX/XX/2018 in the amount of XXXX. I go back on the site today to pre-arrange my payment for XXXX and the site says I am past due. The site didn't save my payment. So now I am delinquent with late fees etc ... 

So I started a chat session with an agent. Keep in mind I am logged in. The virtual assistant keeps asking me to log in to my account. I keep saying I am and eventually get to a live chat agent. The system asks me a second time for my account info input the info. The chat agent still says I am not in but on my end I see my account, my name, amount owed, all my details. So she sends me a text and I have to give a code so now we are up to the fourth time logging in due to their system. So that is a red flag with their website. I explain my situation and tell them exactly what I did last month with the payment. I asked for them to waive the late fee. The agent tells me to hold for five minutes comes back and say they can't waive the fee. 

I ask to be connected to someone else they won't. I ask for a name they won't give me one. They tell me that my info and request will be forwarded to management. That if something changes I will see it ... Which is horrible service so I ask a second time for a contact name to follow up they throw me a generic phone number with no name I just need for their website to work and this late fee to be waived.

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