vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I've had the Barclays Visa Credit since XX/XX/XXXX with a excellent pay history until I was diagnosed with XXXX XXXX. My salary was cut in half which made difficult so contacted my creditors. Every creditor I had made reasonable arrangement with and sent a letter with the terms of the agreement. I successfully completed the payment plan without any derogatory information nor did they cancel the card. I contacted Barclays for assistance to help with me making my payment without them reporting past due information. 
In XXXX, Barclays Credit Card/Bank agreed to place my account on a payment plan. My understanding with the information provided was for lower payments, credit card would be closed, no late fee without interest and report payments history from payment plan. They did lower the payments in the payment plan but interest was added and representative provided incorrect information. The incorrect information caused issues with the payment plan where Barclays canceled the plan without notifying me. Therefore, I continued to make payment plan amount each month then I received an credit monitoring alert notifying me of a derogatory information on my credit report. I called Barclays and was told the payment agreement wasn't completed as agreed so they canceled the plan. I disputed the item my credit report, filed a complaint with XXXX  to remove the past due information. They stated something entirely different from what I initially agreed to and I tried to tell them what I was told. I requested the payment plan in writing but I got the round-around with vague answer and transferred from department to another. In XXXX, I borrowed the money from a relative to pay Barclays off because they were adding interest with {$10.00} going toward the principal. Therefore, it would have been XXXX before I completed a payment plan for {$1200.00} balance. Although assured me it would not affect my credit report because of the payment plan. Barclays did not tell the truth about payment plan especially the interest without derogatory information on my credit report. On XX/XX/XXXX, I was denied credit because of the Barclays 60 days past due item that shouldn't be there. When I disputed the 60 days past due, it came back saying it was 60 days past due. I was in a payment plan with the assurance only the payment plan history would be reported to credit bureaus.

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 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
I received no notice of collection but it was put on my credit report. It's also an old debt from XXXX that the company has said is from XXXX. The statute of limitations expired in XXXX to collect the debt which is from Arkansas, where I lived at the time and services were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I received a call from Nissan on or about Monday, XX/XX/2019, I spoke to the representative and advised that I would be making my payment before the end of the month online. The representative gave me a breakdown of all the charges including late fees, and personal property taxes the representative recapped the call several times and also asked when I would be paying next month 's payment. I advised when I pay it, I gave this response because I was frustrated and didn't want to continue the call and also asked why Nissan had not contacted me with regard to my mileage not being correct on my lease or offer an apology. The representative just blamed the dealership. I reminded the representative that the dealership would not be involved if I go over my mileage I would be paying Nissan Finance. At any rate, I promised to pay with a method, amount and date on that call. I then received two subsequent calls from Nissan attempting to collect a debt when I informed them that I would pay. I gave specific instructions and calling and harassing me is a clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
I received the loan in my bank account on XX/XX/19 and paid it in full on XX/XX/19. The took a payment of {$260.00} on XX/XX/19. None of this payment went towards the principal. They do not explain their loans with transparency. When you log into your account online there is no information about your loan, balance or payoff. I borrowed {$1000.00} and in 3 weeks I paid it off. It cost me {$1300.00} to pay it off. Yes. You read it right. In 3 weeks they said {$380.00} had accrued in interest charges. They said I would receive a paid in full letter via email immediately after my payment. I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I was sued judicially by Nationstar/Mr. Cooper. They never served me a copy of the summons and complaint, so I had no idea of anything. When I moved to vacate the default judgment, the court did not even look at it, as I would have likely settled the matter in mediation given the minute amount of past due, I was never given that chance and did not want to file for bankruptcy, so they sold the property for far less than the market value despite never serving me with anything. My tenant is going to leave, and now, because they didn't even look at the motion, not to mention I was in a trial modification, I lost my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I refinanced my mortgage via an MHA modification in XXXX, making all my trial plan payments on time. The original lender was XXXX XXXX XXXX. I never missed a payment. In XX/XX/XXXX, I was laid off and my wife and I fell behind on our payments in XXXX of XXXX. Select Portfolio Servicing requested paperwork to attempt a modification which we provided and the servicer almost immediately declined the modification in XX/XX/XXXX, claiming that it could no longer be modified. Because it was modified previously in XXXX, a loan that SPS did not originate. I was able to get back to work and resume making payments in XXXX of XXXX, but I could only make one payment a month. In XX/XX/XXXX, my wife left me and filed for divorce, taking my son with her. Now I am faced with foreclosure. My wife and I made over 84 straight payments, I lost my job for 6 months, we missed 4 payments and now I can lose my house. SPS strategically and unethically denied my modification request and did not offer forebearance or any other method where I could have kept my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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 am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-09-27 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: CA

Complaint narrative:
Due to a hardship I fell behind on my credit card payment to XXXX XXXX XXXX  and without notice XXXX XXXX XXXX closed my credit card account. Unfortunately, after closing my account XXXX XXXX XXXX transferred this debt to XXXX XXXX XXXX and is now reporting my closed credit card account 3 separate times on my credit report. I have contacted them several times to dispute these items, but have only gotten a response saying the debt in valid and these 3 accounts are still reporting on my credit report and affecting my credit score. It is my understanding that a company can not report one negative account multiple times on my report? I am asking for these accounts to be removed/reported accurately. This would help me tremendously in building credit worthiness. I do plan to setup a payment plan to pay 20 % monthly until the debt is paid in full when XXXX XXXX XXXX   reports my account information accurately.

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 2019-09-27 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Due to a hardship I fell behind on my credit card payment to XXXX XXXX XXXX and without notice XXXX XXXX XXXX closed my credit card account. Unfortunately, after closing my account XXXX XXXX XXXX   transferred this debt to Midland Credit Management and is now reporting my closed credit card account 3 separate times on my credit report. I have contacted them several times to dispute these items, but have only gotten a response saying the debt in valid and these 3 accounts are still reporting on my credit report and affecting my credit score. It is my understanding that a company can not report one negative account multiple times on my report? I am asking for these accounts to be removed/reported accurately. This would help me tremendously in building credit worthiness. I do plan to setup a payment plan to pay 20 % monthly until the debt is paid in full when XXXX XXXX XXXX reports my account information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Avant Credit Corporation
State: TX

Complaint narrative:
on XX/XX/2019 certified letter XXXX XXXX XXXX XXXX XXXX was mailed to Avant on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/2019. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the  required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
I was served documentation from Gurstel Law Firm Professional Services. They were representing XXXX XXXX XXXX company. This is for a debt that I had not repaid yet because of a financial hardship I am going through currently. I had relayed this to XXXX on more than one occasion however they still turned this account over to Gurstel. Gurstel served my wife court documents ( that are only in my name ) and in those documents there was a reply that was asked for on a questionnaire sheet via US mail. I mailed this in and then I also received a letter back with the copy of the letter I sent along with their acknowledgement that they had received such letter. Without notice from Gurstel or any other communication or a phone call they put a lien on my house on the day it was supposed to fund when their lien came through and I was forced to pay that debt in full to move forward this did not only finacially hurt us even more but put us in a worse off position than we currently were. Gurstel did this without warning and I had explained in my letter that I was willing to work with them and that I needed to get this situation in order because I had fallen upon some hard times. They proceeded without any further contact to seize that money. This left my family and I in a very hard spot that could of otherwise been avoided. We are still trying to recovery and will be for a while. I looked online and they have reviews after review of similar tactics where they insert themselves into your personal life trying to capitalize in any moment that they can take advantage of you when your are vulnerable and that is what happened here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: National Collection Systems, Inc.
State: TX

Complaint narrative:
I have disputed this issue with National Credit Management several times, all to no avail. National Credit Management is collecting funds for XXXX College. 

When I made contact with XXXX College 's Bursar 's Office, the bursar 's office states and confirms this debt was NEVER SENT TO National Credit Management for collections. This debt remain solely with the college. The debt was paid directly to the college so that I could register and attend classes. 

I made contact with XXXX XXXX of National Credit Management via phone [ ( XXXX XXXX XXXX ] and informed her of this issue. She gave me her email address and asked me to send them a copy of the paid receipt the college sent to me via email. Plus she said she would contact the college directly to verify the paid receipt. I sent the email directly to " XXXX ''. As of today, XX/XX/2019, I have not heard a response from National Credit Management. 

Please see attachments for proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: TN

Complaint narrative:
XXXX, XXXX and Experian are reporting 3 hard inquiries in my credit reports all originating from the same mortgage loan. This is having a negative affect on my credit ratings, and could affect my interest rate. 

We applied for a home construction loan with XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX. As with all construction projects, the loan process occurs over a period of several weeks while a construction contract is negotiated, plans developed, and pricing finalized. Seacoast pulled our report twice, at initiation and with the final builder contract 8 weeks later. The other two banks pulled once.

It was obvious that we were shopping for the best mortgage proposal  for our new home and should not be penalized for doing our due diligence. This should be treated as one hard inquiry ... period. 

My experience is without getting an attorney involved, these companies do not take the time to adequately investigate issues within their reports. 

Thank you for your assistance in this matter. 

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 2019-09-27 00:00:00
Product: Debt collection — I do not know
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: Atlantic Credit & Finance, Inc.
State: IL

Complaint narrative:
To whom it may concern, on multiple occasions I have been contacted by both Atlantic Credit & Finance Special Finance Unit,  LLC ( ACFSF ) as well as their counter partners XXXX XXXX XXXX, XXXX. ( XXXX ), in regards to a phantom debt which is alleged to have been originated between myself and a company called XXXX XXXX ( XXXX ). 
When I was first contacted by ACFSF, I explained to the collection agent that I had never heard of XXXX nor did I have any accounts with a company by that name. I asked for the details of the account and later pulled my credit reports in an attempt to authenticate what the agent from ACFSF, had shared with me. 
Upon reviewing my credit reports I realized that I in fact had never had a creditor by the name of XXXX, within my entire credit history. Shortly thereafter I received another call from an agent working for ACFSF asking for payment on this unknown XXXX account, I reiterated to the agent that I was unaware of any such account with a company called XXXX. I advised the collection agent that I would like to be sent a copy of any promissory note or written agreement, which would bare my signature for of terms that I allegedly agreed to repay on a loan from XXXX. I never received any such proof of validity of this debt which is in violation to the Fair Debt Collection Practices Act ( FDCPA ).  These communications with ACFSF transpire within the first two weeks of being contacted by their office.

To this date I have not received any information that would provide any details of the debts origination date, nor in what form that I am alleged to have utilized these funds. 
To add insult to injury this debt is still not reporting to my credit reports and I have been pursued for a judgment by ACFSF, along with their counter partners XXXX, in XXXX county circuit court of  Illinois. On XX/XX/2014, a judgment was entered in favor of ACFSF. The judgment has now provided both ACFSF and XXXX, the ability to garnish my pay checks as a result this phantom debt created by ACFSF and enforced with XXXX. 
Im seeking assistance from the CFPB, to place an inquiry into both ACFSF and XXXX actions against me the matter of illegal debt collection tactics, fraud, and additional violations to the FDCPA. 

I implore your office to take immediate action in this matter!

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 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Collection agency keeps calling after I have asked them on several occasions to not call my cell phone. I advised them I do not have any accounts with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A total of {$760.00} was fraudulently withdrawn from my account. I was also subjected with over {$100.00} of over draft fees which the bank would not refund nor remove the charges. This was the 3rd occurance this year of fraudulent activity on my account. I have had an account with Wells Fargo for some time now and am extremely upset with all of these fraudulent activities this past year. Despite all attempts to rectify this I was informed that they would only refund me {$40.00} and credit my account {$33.00} in lieu of the overdraft charges.

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Dear bureau worker, I am requesting for your help because I am disagree with my Barclays bank reporting for the late payments on XX/XX/XXXX. On my last payment of {$31.00} on XX/XX/XXXX I had a left balance of {$1200.00} and set up an automated payments which had to start from the next payment cycle. I did not receive any emails or phone calls that I have problems with payment. On the XX/XX/XXXX I called to the bank to find out my outstanding balance, and found out that non of my automated payments went through and I was reported as a late payments. I was trying to resolve that issue and they just keep telling me to contact via letter to the FCRA and I did that once, never got the answer and now hoping for your help. Please, help me to remove this late payment from my credit report. It makes my life much harder and I am really working toward my credit history. If you can check the other credit cars and auto loan that I have, I do not have any late payment. Please, help me. 

Thank you for your time! 
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 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV FUNDING LLC XXXX XXXX XXXX  XXXX XX/XX/XXXX {$640.00} LVNV FUNDING LLC XXXX XXXX XXXX   XXXX XXXX. 
XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The above accounts were from id theft. I have sent the companies all of the verifying information the police report, the id theft affidavit, my verifying information. these companies have re-reported this information after they recieved the the police report and all other information, and spoke with them on the phone multiple times.

Company response to consumer: Closed with non-monetary relief