vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: Atlantic Recovery Solutions LLC
State: GA

Complaint narrative:
First, I received a robocall from XXXX - the name was XXXX from ARS asking to speak with XXXX XXXX. I blocked the call and then the company proceeded to send a text message from the number XXXX that states '' This text is from ARS. XXXX XXXX XXXX we need to speak with you pertaining to a legally required notice sent to your address. Please call XXXX to discuss your case and refer to File # XXXX while calling back. Thank you. '' I responded for them to never contact my number again. This was at XXXX on XX/XX/2021. Then at XXXX, I receive the same text message from the same phone number. After asking them to never contact me again, they defied my request and continued to contact. 

Now they are starting to call my office phone. They called from XXXX on XX/XX/2021 and left a voicemail stating that I or my lawyer needed to contact them at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
We had our loan through XXXX XXXX  and then it got sold to NewRez which an affiliate of Shellpoint. In XX/XX/2020, we received a notice from XXXX which is our home insurance company that our policy will get canceled due to failure to pay premiums. They said that it will be canceled if they didn't receive the payment by XXXX. We called the mortgage company and they said that they didn't have our insurance policy information ( but they never mentioned that to us or ask for it, which for a fact I know that it was transferred when the loan was sold to them ). After 3 different calls and a long run around, we did a conference call with XXXX so they can get all the information needed. From there, we thought all was resolved. As of today XXXX we found out that we have no home insurance because it was canceled due to failure to pay. Knowing that we had an escrow account with NewRez and never ever have we missed a payment. Now we have to find a new policy and pay extra because we " defaulted '' in our insurance payments. Of course they are not taking any responsibilities and they even denied a conference call with XXXX while my husband was on the phone to grant authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Thaxton Investment Corporation
State: NV

Complaint narrative:
yes I had purchase a vehicle through heights financial services and after I purchase the vehicle I was making payments fell out of out of work got laid off due to covid fell behind in payments they close the account out because I fell so far behind but yet every month they're still adding money out on a closed out account how can that be you're not if you close out account it's closed out it's not supposed to change I mean but every month they're adding XXXX XXXX XXXX dollars to the account but yet it's a charge off and it's closed out if it's a charge off enclosed out it's not supposed to increase in price and it was no revolving loan to start with it had to fix interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I opened an account with Chime. 
Things were okay until They accepted my benefit payment from DC unemployment. 
I received a message saying my account had been flagged and a hold was placed on my account pending verification of additional documentation they requested. I provided and received confirmation the documents were accepted and reviewed. 
they closed my account, blocked my phone number from being able to reach them via phone and sent a message saying they would not be giving me my money nor providing any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was under the impression my Federal Student Loans were not accruing interest due to the Pandemic. I logged in XX/XX/21 and found I had accrued {$3000.00} interest from Group A and B loans from XXXX. I emailed Nelnet to remove the interest immediately and they responded stating my loan was originated as a part of the Family Federal Education Loan ( FFEL ) Program by lenders other than ED and didn't qualify for interest suppression. This is a Federal Student Loan! I became angry and paid off Group A loan on XX/XX/21 for {$25000.00}, and remaining principal {$7.00} on XX/XX/21. That savings was in case I became sick with COVID or lost my job due to the Pandemic. I need this investigated. I want the interest I paid during the Pandemic credited to my remaining loan, which is also accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am planning to refi my home in a few months. I only have a 5 '' android screen. No tablet, no public computer to use. I am XXXX & have trouble seeing without help. I requested print out of XXXX credit agencies after seeing scores only online. For only 2 credit reporting agencies can I easily find my credit scores : XXXX  & XXXX. There are popularly found together. Not Experian. I finally found my Experian score and saw a notation that this 1 score was much less than my other 2 and a negative note saying " ... score dropped XXXX points ... ''. I never downloaded my reports because I can't see on my phone all the details I need to see! I asked for print outs of all 3 agencies and got them successful EXCEPT for Experian. By mail, they sent me a " denial letter '' claiming I already downloaded it. I didn't. With this upcoming refi, I didn't because I have limited storage on my phone, & I'm going to need it for my refi. I also am on a fixed income and can't afford a new phone or having storage problems with it. 
So, I followed Experian 's instructions and sent them the ID copies and why, as I explained here, & " ... because I suspect " fraud '' being the reason for their claim of " XXXX point drop ''. 
Now Experian responds by sending me an email, " Dispute Results '' and I have to click on small print and sift through Experian legalise on their online email message " terms and conditions ''. I can't read it easily and why is this becoming such a major issue with them???? 
All I need right now is my printed out Experian credit report! This is all I ever asked for.

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 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: AZ

Complaint narrative:
I was never contacted by this company ( IQ Data ) via phone or mail. They had the wrong name and address but left a message with my mother. I returned the call as a willing payer. Both representatives I spoke with were rude, offensive, yelling, and abusive. 
I explained to them that this debt was in regard to a move out balance and because the apartment complex sold the business to another company I could not get my move out balance because they never returned my calls and when I contacted them via email I was told that the company had sold and that I would be contacted. 
When I spoke with the debt collection agency I explained this was not a broken lease or eviction and my arrangement is in writing and still stands. I also told them I never received any letters because they were sending the statements to the addressed the debt belonged to which I obviously no longer lived. I was told by them I had no reason for a dispute and I have to pay the balance in full today or it would be reported to my credit bureau. I tried to give my current address which has also been updated with the USPS, he refused to send me a statement of the charges. He said I did not update my info with the USPS and that was my problem. I was yelled at over and over by agents and as a collections professional myself I am appalled at how they conduct business XXXX ( second agent with IQ Data ) also refused to take my phone number and stated the only thing he would accept from me is a Visa, Mastercard, or Discover. The balance is now {$1700.00} and he refused to give me a breakdown of the charges. I have every intention on paying what I truly owe this company and only reached out to them because I have not received a notice or bill nor did was I made aware of my rights or options.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: LoanCare, LLC
State: UT

Complaint narrative:
Loancare is reporting an erroneous late on my credit file and it must be removed. Back in XXXX I received a letter from Loancare that my mortgage was being transferred to XXXX to be serviced. I made XXXX payment with Loancare and they closed the account and were supposed to transfer all the account information to XXXX. On XX/XX/XXXX I got a call from XXXX that my mortgage payment was past due. I let them know that I had made the payment with Loancare but XXXX notified me that they had not received any of that information. To be safe, I ended up making XXXX payment again with XXXX and decided to pay XXXX payment as well to avoid any mistakes. I thought the account was taken care of and closed successfully. However, I recently checked my credit and noticed that Loancare is reporting a late for the month of XXXX?! This account was closed and is being serviced by another company that they chose to do! Loancare has not been handling this well and even made me make XXXX payment again because of their incompetence.

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 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: IN

Complaint narrative:
Crown Asset Management ( CAM ) sued me in XXXX County, Indiana, and I just happened to find the summons on my front porch step flapping and blowing in the wind. It was only by pure luck I found the notice. If this unattached document had blown away I would have never know I was being sued, but fortunately I did find the summons and I responded promptly. The huge error on Crown Asset Management 's filing was that I do not live in the county where they sued me. Simple research based on my address would have easily indicated that my county of residence is XXXX county Indiana. CAM filed a motion to dismiss the case and then they refiled in the correct county. I was only able to find this out by checking the website XXXX daily to see if CAM refiled in the correct county. The case was initiated XXXX, but as of today I still have not been officially notified. I am a XXXX XXXX XXXX and my time and energy is dedicated to making sure my XXXX needs are met during this very difficult time. In addition to that, I am a mother with XXXX XXXX and the last thing I need is this company distracting me from my XXXX  and my own family. They have repeatedly contacted me before the court filing and have violated the Fair Debt Collection Practices Act by ignoring my plea for them to stop. They have wasted enough of my time and by having to respond to them over and over again without any results is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I submitted my compain to your Buiro.Investigation was close.Today I spoke with Capital one at first and ask to talk with supervisor of Neiman Marcus.When I ask about dispute when transferred me to wrong department and finally hang up the phone again.They send the negative report, but this is unlawful because they dont want to take care of my account.Finally she gave wrong department.They ask me about survey.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CITIBANK, N.A.
State: IL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CBNA, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: IA

Complaint narrative:
I received an email from XXXX this morning XX/XX/21 stating I have a payment due in two days. However, I have not authorized nor have I applied for a loan with them. Nor have I received funds from them. 

I asked them to send me the load documents to verify its accuracy ; first rep told me to login to the account on the XXXX site to look at my documents as they do not email them. I can't login to an account that I have never created. They advised me to log a police report and send it to them to have the account closed. 

I contact a second rep, was advised they put in a request to have the documents emailed to me and could do nothing else. 

I called a third rep at XXXX, I asked him to verify when the loan was originated, for how much and with what bank? He stated it was created on XX/XX/21 for {$1300.00} with XXXX XXXX ending in XXXX. I have never banked with XXXX and have no accounts with them. Not my loan but whoever created it used my name, SS # and birthdate with their own bank. 

I have placed a fraud alert on my credit reporting agencies and in process of calling my bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: MD

Complaint narrative:
XXXX XXXX put a collection on my credit report without giving me a right to dispute. I filed a complaint and they responded by stating they that sent communication regarding an alleged debt. I sent correspondence to them asking for a copy of the letter they sent giving me the right to dispute, as of today I have not received any communication regarding a right to dispute. They are also reporting on my credit report as an installment loan showing a high balance and a low balance and increasing my balance by {$1.00} once and week, then they increased it to {$3.00} within the last couple of days. Collection agencies are not supposed to act as if a person has an installment loan by having a high balance and a low balance, nor charge interest the way that they are which is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc.
State: NC

Complaint narrative:
To whom it may concern I am writing in reference to what I feel are unfair lending practices with Earnest LLC Operation Company. In the wake the financial difficulty in relation to the COVID 19 pandemic, companies should not be allowed to create financial hardship for those who are already struggling finically On XX/XX/XXXX I received an approval to refinance a XXXX  loan that is in my ex-husbands name Prior to this approval, I never indicated that I was the primary borrower of loan, at the request of the companies representative provided the divorce decree as proof that although I was not the original borrower, I was legally responsible for repaying the loan and in no way misrepresented myself After reviewing the information provided the company extended a loan offer on XX/XX/2020 which I reviewed and signed in XX/XX/2020 The company is refusing honor the loan agreement post-approval because I am not the primary borrower I have spoken with several representatives with the company without success. I contend that if the situation has been reversed, this company would have consider this a legal and binding agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Direct Recovery Services, LLC
State: IA

Complaint narrative:
They ( specifically XXXX XXXX ) called and left a nasty voicemail with threatening language about an old debt that I have repeatedly disputed. I have never had a credit card from the original creditor that is listed. XXXX became very aggravated and agressive in the voice mail and even caught himself at one point and pointed out his aggravation. He also mentioned it would " behoove '' me to pay in a threatening tone. Never in the message did XXXX or the automated voice inform me who was calling or who the original creditor of the debt was, but demanded payment on an invalid debt. I have received no paper communication from this company in the mail, else I would have disputed it as I have several times withother companies claiming I owe this debt. Not one of these companies has furnished any proof or an original contract that I owe such debt or have ever had such card. They simply say that I DO owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called into Capital One to request that my XX/XX/XXXX late payment be waived due to being unemployed to the pandemic. I also experienced an unexpected death in my family and I forgot to make my payment. I have not charged anything on the card since XX/XX/XXXX almost 1 year. I have been diligently working towards paying this credit card off. I was informed that the {$25.00} late fee could not be waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am researching a potential class action lawsuit against Barclays Bank Delaware involving Fraud, Unjust Enrichment, NY GBS 349 Deceptive Business Practices, and several other federal statutory claims. Please help me obtain the contact information of Barclays ' regulator. I would like to confirm some information with their regulator.

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 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
HSBC BANK USA N.A. CUSTOMER CORRESPONDENCE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CHARGE ON CREDIT CARD FOR {$24.00}. WAS AN CHARGE I DID NOT MAKE. IT WAS A PURCHASE THAT WAS MADE FRADULENTLY. LAST 4 OF CARD NUMBER WAS XXXX. THE CHARGE WAS NOT MADE BY ME. I CALLED THE COMPANY AND ADVISED AND THEY CANCELLED THE CARD AND ISSUED A NEW CARD. I DISPUTED THIS AND THEN THE COMPANY CAME BACK AND SAID I STILL HAVE TO PAY IT. EVEN THOUGH IT WAS FRAUDULENT. THE COMPANY GOT BACK TO ME ON XX/XX/2021 AGAIN THIS CHARGE WAS NOT MADE BY ME.

Company response to consumer: Closed with explanation