vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I received a letter dated XX/XX/XXXX from Velocity Investments , LLC stating they now " own '' a debt from XXXX XXXX XXXX. It was only a notice and another letter was to follow in/about 30 days. See attached. 

On XX/XX/XXXX I received another letter from Velocity Investments , LLC with an " Introductory Message '' and the notice to " dispute within 30 days after receipt of the letter ''. See attached. 

On XX/XX/XXXX, I sent a validation request/ notice of dispute to Velocity Investments , LLC and requested that they " prove '' they own this debt. Unfortunately I did not save a copy of my letter to attach, but they did respond on XX/XX/XXXX ( see attachment ) to my request with a copy of the original creditor contract- no other details. See attached. 

On XX/XX/XXXX, I sent a second request validation to ask for more information again, in case they misunderstood my initial request. Keep in mind we are still within the original 30 days to dispute. My second letter is attached. 

On XX/XX/XXXX, Velocity Investments , LLC responded with the exact information again. Not one document that has my name on it ( associated with Velocity ), an assignment or any proof that they can legally collect on this alleged debt. Second response attached. 

How does a consumer really know if they are legit and have truly purchased this alleged debt? In days of IRS scams, Identity theft ... so forth, they have not provided any real proof but they feel they are compliant. I am not sure they can prove ownership because of the way they purchase these debts from companies in bulk. 

I understand for them to be compliant with a dispute request, they only have to provide limited information but after two specific requests they have not been willing to share any real proof of any debt. So they must not have it or wish to share it. That is my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: MI

Complaint narrative:
Keller XXXX Mortgage is advertising to consumers that they can guarantee lower rates, costs, and savings on their mortgages without any apr disclosure, or how they are doing it. This is simply not allowable. Please have them stop as they are deceiving consumers and not following the rules we as lenders all have to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
This debt of {$180.00} was charged from XXXX XXXX ( the original creditor ). The new creditor is XXXX XXXX XXXX. This debt was included in my chapter XXXX bankruptcy and has been resold twice since then. It keeps re-appearing on my credit file and I'd like it removed permanently. I tried disputing the debt with the creditor and they refuse to remove it. I have attached proof that this debt was included in my BK and it doesn't report on my other two credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: WA

Complaint narrative:
Deceptive advertising and violation of the Fair Housing Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
I financed a vehicle through XXXX XXXX and financed by Huntington National Bank of XXXX, Ohio ... .The Loan was paid off as of XX/XX/2018 ... ..After numerous telephone calls and every possible excuse on their end, I have not received my Title ... Please HELP!!!!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I am a XXXX XXXX in a low income, XXXX XXXX XXXX. This is my 22nd year of XXXX, and I still owe a tremendous amount on my student loan. My qualifying employment begin date was XX/XX/XXXX. In XX/XX/XXXX I went on what I was told was a repayment plan that would qualify for Public Service Loan Forgiveness. I've been working now for four years under that assumption. I contacted my provider and was told that I have NOT been using one of the correct plans, and there could be no resolution of the problem. My retirement date should be XX/XX/XXXX and I will definitely have been making the XXXX monthly payments on time as I do and have done every month. I was told that my loan balance would be forgiven in XX/XX/XXXX, and now everything is a mess because they say that I CHOSE the incorrect plan. Please help me. I am XXXX years old, and I don't think I should have to start my 10 years of repayments over again. I am convinced that I signed up for the correct repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I never received notification, and no way the amount owed is accurate nor did I have have business with this company NCC. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted dispute to XXXX and XXXX and Equifax all the same day XX/XX/2018 - it was not until I complained to you I ever got any correspondence from Eqifax. They did not respond to me in the required 30 days so they MUST TAKE OFF THE NEGATIVE INFO AS REQUIRED BY LAW FOR NOT GETTING MY DISPUTE RESULTS TO ME TIMELY. It was not until I compalined to you the they even sent an email and then I could not even open the darn thing. Equifax you XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STATE FARM BANK, FSB
State: MN

Complaint narrative:
State Farm Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Pacific Credit Company, LLC
State: VA

Complaint narrative:
I contacted Federal Pacific Credit Company to validate the debt they said I owe as I do not have a contract with them I also asked for the following as well : A copy of purchase agreement between XXXX XXXX and Federal Pacific Credit company. With XXXX XXXX giving all rights to this debt including the right to receive payment and charge interest to Federal Pacific Credit Company. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

On XX/XX/2017 I was sent a response of a retail installment sales contract with a dealership and not the original creditor they say I owe to validate this debt and along with a letter from them addressed as a lawyer with a payoff agreement. My complaint with Federal Pacific Credit company is as follows : - They have not provided me with any of the above information requested - They have put new collection balances on my credit report every month, as if I am somehow in a monthly agreement with them. 
- They are not licensed or permitted in my state allowing them to collect finance charges as a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: FL

Complaint narrative:
In XX/XX/XXXX I was effected financially by Hurricane Irma and asked Franklin American Mortgage if any assistance could be offered. They provided me 3 months of no payments with the intent do a Disaster Loan Modification to move the 3 payments and the interest to end of the loan. 

In late XX/XX/XXXX I started and applied for the Disaster Loan Modification process with Franklin and made a payment for XX/XX/XXXX for {$1800.00}. I was put on an forbearance period of 3 months with a new mortgage trial payment and APR. Originally I was told that XX/XX/XXXX - XX/XX/XXXX was  the trial period and then it changed to XX/XX/XXXX - XX/XX/XXXX. 

Two concerning events happened during XX/XX/XXXX ... first they had on file that I " Accepted '' the trial period terms when I had never have done that because they never contacted me with the new payment information. After learning this, I did accept the updated payment information. Secondly they did not inform me in XX/XX/XXXX when I started this process that my APR would change, had I known that I may have sought out other means to help myself out financially.

I made the first two trial payments for XX/XX/XXXX and XX/XX/XXXX of {$2000.00} each. In XX/XX/XXXX I learned ( they again did not tell me this ) that the lien was not in 1st position that there was a judgement lien against my property for another person with a similar name as mine. I worked with Franklin to get the information and went to my local court house to find out that there are no other liens against my property and the legal information Franklin has are simple court orders from previous years dating as far back as XX/XX/XXXX.

I sent them this information on XX/XX/XXXX and requested an Affidavit to help prove that the persons on the legal document are not in fact " me ''. It has been almost three weeks, I have talked to multiple representatives and 3 supervisors all who can not tell me any information about where the " lien not in first position '' issue is at, and if the information that I provided will correct the issue. I am in my last 30 days of the trial period and the modification  request is showing denied for this reason. If Franklin does not have this lien position resolved by then this could severely impact me financially and force me into a foreclosure because of a false red tape / paper work error. 

At this point due to the lack of communication, cooperation and unwillingness to get me answers to help resolve a simple issue, I feel like I am fraudulently being force to foreclose on my property.

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 2018-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: NH

Complaint narrative:
I lost a significant amount of money to a building contractor after which time I lost my job and had to file for bankruptcy. I needed to continue to work and needed a new car to make a daily out of state commute to work to pay off my bankruptcy ( I had no consumer debt, just had gotten behind on my mortgage -- I have never had any debt ). Santander Bank offered me a bank loan at a rate of 24 % which required I work 2-3 jobs to cover. At the time I took out the loan I told the car dealer that I would prefer to buy several junk cars if they wouldn't refinance the loan after I paid off my bankruptcy which I did working days/nights/weekends for 5 years. They told me they would. I reiterated that the car would have high mileage from my commute and constant work schedule and asked them to qualify again that they would. I was told yes. When my bankruptcy was paid off and I requested the refi, I was told they didn't refinance. The car cost {$14000.00} and after 5 years I still owed over $ XXXX. I went to other lenders but they all told me the mileage was too high. The car was repossessed in the middle of the night. 

I am XXXX, have worked for 45 years and have never had any kind of debt to warrant such a high interest rate it seems to me. I can not get to work without a car. I spoke to a representative at Santander who told me that they were well within their limits to ask for 24 % which I agreed had not been misrepresented, just the refinancing of such an outrageous amount of money. A class action lawsuit in the state of Massachusetts has successfully sued them and I am asking for my debt to this company to be dismissed and have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I have previously tried to get Fair Collections & Outsourcing to make sure they updated my credit reports properly, but they have not done so, and have caused me to be declined on a new rental application as such. I am trying to remedy to situation, and need someone to help me make sure they are providing the correct information to XXXX, XXXX, and XXXX  because its been negatively affecting my credit for over 4 years now.

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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
Diversified Consultants is contacting repeatedly through out the week and multiple times a day. I have advised them i am having financial hardship but am working very hard to pay down all of my debt. They are continuously calling while I'm at work even though I have asked them to stop. Today XX/XX/XXXX I advised I was submitting a formal complaint. I started to pay down my debt starting in XX/XX/XXXX. Even though I am not paying large amounts, I am trying. The following is a list of all the calls I have receieved in the past 2 weeks, I have saved the screenshots and have the managers name, they are calling from three different phone numbers. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX & XXXX XXXX. XX/XX/XXXX XXXX & XXXX. XX/XX/XXXX XXXX XXXX. I have advised I do not require a settlement, I am willing to pay the debt in full, I just don't have the spare funds. I have rent and more pressing debt which is my priority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XX/XX/2018 - XXXX XXXX  contacted my Landlord 's mother several times over the past two weeks. This person has no relationship with me, the only way they could have gotten her number was to search for my Landlord 's name. I have already made payment arrangements to bring my account current yet the continue to call her looking for me, she lives in another state and does not know me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
HARDSHIP LETTER On the month of XX/XX/XXXX I received a call from Roundpoint offering me a FORBEARANCE PLAN due to Hurricane Irma which happened on XX/XX/XXXX. Roundpoint said that due to my area was declared on disaster this federal plan allowed me to stop paying the months of XXXX, XXXX and XX/XX/XXXX so I can use that money for the expenses caused by the hurricane and those payments would be put to the end of the mortgage. Roundpoint asked me for many papers during the lapse of those three month which I sent. Every month I kept receiving letters of intent of accelerate the mortgage, and every time I received those I called to Roundpoint to remind them that they put me in Hurricane Irma forbearance plan, my calls were received by a different persons not aware of the plan and, after reviewing my file they every time told me that everything was OK and to disregard those letter that were generated by the system and that I would be receiving those letters up to the end of the process. Every time I called I kept asking for confirmation on the conclusion of the plan, in other words I asked for confirmation on the three months would be put to the end of the mortgage and if this situation would not affect my credit and they always said yes, on times even I got comments of not to be afraid. On the month of XXXX Roundpoint call me asking if I would start paying my regular payments, I told them that as it was our agreement and that I was prepared to start making my regular payment, which I have been doing on time every month. Approximately, the XX/XX/XXXXl I received a call from Roundpoint stating that my modification was not approved by the investor ( XXXX XXXX ) and that I have to pay all the amount of three mortgage payments which is almost {$6000.00}, which at the moment I dont have, and if I dont pay my house would be put on FORECLOSURE and I would lose my home. I asked if there are some kind of appeal and they responded that the denial happened many days ago and I only have 30 days to appeal and the time was expired. I did not received any notification of denial! Now I have been asked to make this application for a regular modification which was never my intention from the beginning. I have been pushed to this situation which will remain in my record and probably in my credit and I dont have any other way to fight for my home. This is unfair considering that I have been paying according to the agreement, so from my side I have honored the agreement, however it didnt happened from the other side of same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: KS

Complaint narrative:
How do they come up with these figures. They advertise No Lender Fees and a {$1000.00} Off Closings Costs. How does that come up to {$4500.00} to {$6500.00}??? I would imagine the typical lenders fees would be {$1000.00} with an additional {$1000.00} credit that's more like {$2000.00} where are they coming up with {$4500.00} to {$6500.00}?? I don't understand the math.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: MO

Complaint narrative:
XXXX XXXX continues to skirt around the CFBP RESPA guidelines we all have to adhere to. We have been extorted by there vendor program for years and now they are blatantly incentivizing agents to refer buyers to Keller Mortgage. Offering profit sharing bonuses, discounts to customers and not disclosing an affiliated relationship. 

This is illegal yet it seems there is no recourse. Why is it that the rest of us lenders have to follow the rules but Keller is not only allowed but incentivized to steer customers and illuminate options for consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXXpayment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.

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 2018-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been trying to dispute a large amount of money. I have been given the runaround from Capital One. First they lost my certified packet that I sent for my dispute. Then I had to upload over 100 pages to them with an expert who verified that the large charge was invalid. After speaking to many different supervisors they did nothing. They kept telling me that they would escalate this, but in the end I received a phone call from someone who was foreign who had a hard time explaining why this was not allowed. After all of this mess I contacted the Executive Resolution Center ( you can only fax them ) and explained my case along with the Chargeback reason code XXXX, which is where my dispute is valid. This was faxed on XX/XX/2018. I have heard nothing back from them. However Capital One called me the other day telling me that they were adding back XXXX to my card. The Executive Resolution Center does nothing. I have many emails and a paper trail of all supervisors and staff I have spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
cra violation sent po report and ftc inaccurate information coming back under another name violation of my rights

Company response to consumer: Closed with explanation