vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
Issue : Setting up recurring payments with Caliber Home Loans I closed on my new home on XX/XX/2019. XXXX XXXX transferred my loan to Caliber Home Loans. Every month, I have tried to set up recurring payments via the company 's website but every month I receive an error message that I can't set up my recurring payment until next month. 

I called Caliber 's customer service today ( XX/XX/XXXX ) to ask how to set up recurring payments. They told me I would need to wait until my next manual payment is processed ( XX/XX/XXXX ) and I'll then be able to set up the recurring payment anytime from XXXX XXXX XX/XX/XXXX. 

My complaints are as follows : 1 ) I should be able to set up automatic payments at any point in time in order to avoid missing a payment on my mortgage. 
2 ) If Caliber is to keep this " window of opportunity '' there should be a notification of the window of opportunity on the company 's website when I go to arrange recurring payments. Otherwise, only seeing that I can sign up " next month '' makes it look like the company is trying to make me miss my next payment. 

I am trying to meet my obligation and should be able to do so easily. Caliber is not making it easy to meet my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I keep getting phone calls all hour of the day and night from portfolio recovery. When I answer and say hello. No one is there. When you call the number back, It goes to no where. They keep calling from hundreds of different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I alerted Regions I was going to be traveling and one of the cities I was in Was XXXX ( XXXX ) XXXX and several thousand dollars worth of fraud in the form of overcharging was done on my debit card approximately $ 5,000- {$6000.00} worth of fraud. Regions admitted they did not have my signature on file nor did my debit card require a pin and I told them they were negligent in managing my funds because had a pincode been required, or a signature, some type of fraud alert or call I could have caught these transactions sooner. I was ripped off and overcharged, I have recorded conversations from regions admitting they messed up by not requiring a pin on my debit card because these transactions were processed as debit transactions and not credit had they been processed as credit they still admitted they do not have my signature on file. I told them to get videos, itemized receipt etc to see where the items purchased on my card were sent etc. They processed over {$5000.00} in transactions in one day and I have never spent that time of money in a month! I'm very upset that this did not send off alarm bells to their fraud department and I'm more upset with their lack of serious investigation! Everyone in banking knows former XXXX XXXX are known for bank fraud and the fact I have never spent $ XXXX- {$6000.00} in a month let a loan a day in XXXX should have been flagged immediately especially when no signature or pincode was required!! I want my money back and Regions needs to be fined for having a XXXX fraud department and being negligent in managing peoples funds.

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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Robinson, Reagan and Young PLLC
State: TN

Complaint narrative:
Request that this debt be validated with original company, and removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: FL

Complaint narrative:
There is a collection on my credit file that I've disputed about 3 times it gets removed and added back on this collection XXXX XXXX XXXX  in the amount of {$1200.00} doesn't belong to me. I've called TransUnion regarding the inquiry details on my credit file the six inquires doesn't belong to me with are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings.

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 2019-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
So, fresh out of college working as a XXXX XXXX in New york barely making enough money to keep up with my {$1000.00} rent and federal and private loans and other expenses. It has been hard for me to save money. Sometime I end up only have {$20.00} left after I pay all my bills and loans. Sallie mae doesnt offer anything else lower than the $ XXXX payments and the interest of % 14!! Doesnt help either. Its basically like I pay my loan the interest just keeps adding up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX   XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please see this date and accounts that are in inaccuracies : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please see this date and accounts that are in inaccuracies : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
Information, including name and Dates are inaccurate on this account, and the account does not belong to 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 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tiempo Finance Company Inc
State: TX

Complaint narrative:
Company is Tiempo/XXXX XXXX XXXX. Have been calling my job phone every single day, 5-7 times a day, to collect a debt, since before XX/XX/2019. My director and myself have repeatedly requested them to stop calling my job, ( XXXX ). The ladies are extremely belligerent and rude. They call me non stop on my cell, after hanging up the job phone. I have recently mailed a certified mail cease/desist request to them or the TX Attorney General office will be notified. I just finished doing an online complaint with the FCC, as well. My mother just recently passed away and I have financially gotten behind. I told the lady this morning, that I know I owe and when I get money, they will get a payment and AGAIN, requested to stop calling my job and harassing me. They will NOT stop calling my job, after REPEATED requests, from myself, as well as my director. I work in an XXXX XXXX. Please help me to stop these people from calling my job, my cell phone and the phones of my family members. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to cash a check in branch. I was denied because the check was too large. XXXX said the amount of a check that is acceptable to cash in his branch is none of my business and he said I cant come back to cash any other checks.

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 2019-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Requested Do not call on all phone numbers on account XX/XX/18, Company has continued collection attempts through phone calls, has left several voicemails. Spoke to a manager at the branch, XXXX XXXX, she initially admitted fault and apologized for the continue phone call. XXXX used the exact words " we made a mistake ''. XXXX stated she would have her manager give me a call back at the end of the day. Spoke to XXXX again, only to confirm the manager 's information that I would be expecting a call back from later, XXXX became very upset and confrontational, raised her voice, denied any fault in the situation after already admitting fault. States either you're going to pay your loan or you're not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Perfection Collection
State: OH

Complaint narrative:
Ask company to not contact me unless they were discussing validation of said account. 

Original and third party cant provide validation of debt due to the fact signature are visibly different. 

They've provide more documentation with the same signature. They are using stall tactics to delay deletion of said account.

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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: TX

Complaint narrative:
On XX/XX/XXXX my account was cancelled at XXXX XXXX XXXX XXXX/XXXX. So say this is around the time that it should be 7 years from not ... XXXX XXXX as it says on my XXXX  report . I called ERC whom is a third party collection agency and spoke with 3 people and left a voice mail for the so called President and was told that's just the way it is. Because of this I was denied a house I desperately needed next week. Thanks to ERC it's not going to happen now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I borrow a loan from beneficial it is amount of $ XXXX.in XXXX I refinance my house in XXXX XXXX XXXX paid off that loan. I have a lien against this loan on my house from Winn Law group, XXXX XXXX XXXX XXXX. I want to them to remove the lien it is for {$19000.00} lien. I can afford to pay that lien and it was paid off through XXXX   XXXX in XXXX. This shouldve never be on my record and this ruin my credit I am having a hard time refinancing my house because of this lien. I have called Winn Law Group they said theyre working on it but since last 5 month they have not done anything to take care of this problem and Im about to lose my house. my ex husband is taking me to court to make me to sell the house if I sell the house my daughter and I have no place to go except to being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have called and written to dispute these fraud items on my credit report and I have let them know that his information is incorrect. The following accounts are listed incorrect XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I obtained a second mortgage on my home in XX/XX/XXXX with maturity date of XX/XX/XXXX, from Household Finance, ( agreement attached ) for a total of 240 payments with no balloon payment. 
I am unsure when but at some point HSBC took over the loan or merged with Household. In XX/XX/XXXX the mortgage was taken over by XXXX XXXX. I have made my XX/XX/XXXX payment and will be making my XX/XX/XXXX regular payment of XXXX as soon as XX/XX/XXXXclears. My maturity date is XX/XX/XXXX and my balance before the XX/XX/XXXX and XX/XX/XXXX payments is XXXX, I do not understand this balance and have been trying to obtain information from XXXX ( which they have been helpful ) and HSBC as to why I have this balance. 
XXXX has sent me payment history from XX/XX/XXXX to present ( attached ) and this shows 10 missed payments as you can see, and they are XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which would be equal to XXXX, but I do not understand why these payments are missing as loan is not showing modification which I believe I would have had to agree to and sign. I have also tried to obtain payment history from XX/XX/XXXX to XX/XX/XXXX and I have called HSBC but they have been very uncooperative and said they do not have access to household accounts. XXXX on the other hand has provided me with the payment history from XX/XX/XXXX to present but for some reason I am having a problem getting XX/XX/XXXX-XX/XX/XXXX. I  would greatly appreciate any help you can give me in determining why I have this large maturity balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.

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 2019-06-24 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: OH

Complaint narrative:
THIS IS MY THIRD TIME COMPLAINING. I have had some inquires that I do not recognize on my credit report. I have filed a complaint and I never received an answer back it have been over 40 days please delete the following inquires companies, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX please delete these inquires they are not mine. I demand that you provide response exclusively through mailed letter. Please contact me about this inquires in writing, to me at home.

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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: American Financial Network Inc.
State: NJ

Complaint narrative:
American Financial Network keeps sending plastic cards via USPS with personal mortgage information for all to see - how much I still owe and estimated home value, I had previously submitted opt out to XXXX which has been ignored

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other 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: HW Holding, Inc
State: VA

Complaint narrative:
I received several threatening phone calls on my phone. They were so threatening, like call in 30 minutes or you'll go to jail etc, from a collection company called Hunter Warfield , Inc., that I thought they were fake calls because this kind of talk is illegal when collecting debts.

The debt they refer to as a joint debt, is not. It is a debt from my ex wife regarding a home she lived in and I never lived in because I lived in another state and we are divorced.

Additionally, I never received any written notification regarding the debt, just random threatening phone calls about going to jail from Hunter Warfield , Inc .

This is not my debt, and their collection practices are illegal.

Also, this was placed as a collection account on my credit report. I was never informed besides threatening messages even what the debt was about. I was never informed I could dispute. And I want it off my credit report because it is not my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
My car was wrecked while parked outside of my home. A police report was filed and a part of the other car containing the vin # was found. The vin # reported back to a rental car from XXXX. I contacted XXXX who stated the person who rented the car claimed the car was stolen and they would not be accepting responsibility. My insurance ended up taking responsibility. I had full coverage through my insurance with XXXX as well as GAP insurance through XXXX. Both companies made payments, but Suntrust states there is still a balance on the account. 
There should be no balance on this account as I made my monthly payments on time throughout the entire duration of the car loan, and had both full coverage and GAP insurance.

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 2019-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I am being harassed by ace cash saying they have a lawyer they are filing a civil suit for fraud a lawyer whoever called my mom saying they are going to serve me with papers at work or home and also trying to get my information to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: PR

Complaint narrative:
Noticed and tried to fix problem of " Account Review Inquiries '' at TransUnion from the following sources that I do not recognize : XXXX XXXX XXXX requested on XX/XX/2019, XXXX XXXX XXXX  requested on XX/XX/2019 and XXXX XXXX XXXX  requested on XX/XX/2019.

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