vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MIDCOUNTRY FINANCIAL CORP
State: MS

Complaint narrative:
I obtained a loan from XXXX towards the end of 2016. I have been making my payments that was agreed upon initially every month and they have been reporting me to the credit bureau as behind every month. I have called for two weeks straight and was kept on hold for hours every day. The automated system try to refer me to the online site but I can not get on my account because it keeps telling me to contact customer support. They wouldnt refinance my loan as I requested unless I reapply for another loan which I refused because that would be adding on to my current loan. 

After my refusal to reapply for another loan, they went ahead and submitted new application which required a credit pull that was declined without my authorization and then they told me that I wasnt qualify anyway. Due to my PCS move to a new state, I took a huge pay cut which was the reason I wanted to refinance but they decline. 

I asked for copies of the actual contract and the payment history because I had no clue what the balance was and they just ignored my pleas. This has been going on for months. They locked my account and it tells me to contact customer service but its going on 3 weeks now and was put on hold for hours. I receive no update on my payments & balance and recently out of curiousity because I know the loan should be close to being paid off but no luck. I am so tired of these companies getting away with these types of fraudulent business behavior. The sad thing they advertise so much about helping military families and yet theyre taking from them more than helping. I am never working with this company ever again. It was a time of distress that I had to take this loan from them to help cover my brothers XXXX because he was XXXX and his insurance had dropped him because the XXXX treatment was too expensive and this is what I had to deal with. Its so hard to deal with them once I obtained the loan. Dont ever believe their untruthful slogan about helping military families. Its a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: CA

Complaint narrative:
We entered into an agreement to purchase a XXXX Truck from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana. After numerous e-mails, a wire transfer of funds was sent and the truck was to be delivered the next week. When we received no information about the delivery, we called the dealer and the phone was not working. All information is still up on the website, including the truck we supposedly purchased. We tried contacting the bank that our bank, XXXX XXXX XXXX, transferred our money to and they are very rude and told our bank agent that they do not like dealing with XXXX XXXX XXXX  and will make them jump through hoops before dealing with them. However, they did let XXXX XXXX XXXX know that the funds in the account we sent our monies to were frozen. This happened on XX/XX/XXXX and Iberia Bank of Louisiana is still not cooperating about what has happened to our {$25000.00} that we transferred. The XXXX XXXX XXXX XXXX XXXX XXXX is still advertising classic cars for sale, but will not answer our phone calls. I am attaching all the e-mails and information I have to substantiate our claim. 

On the wire transfer instructions, it is listing Iberia Bank with a XXXX Indiana address, however, there is no Iberia Bank in Indiana and our monies went to Iberia Bank in Louisiana according to the routing number. Our XXXX XXXX XXXX Agent, XXXX, has called them numerous times and they will not deal with her. I filed a report with the Police Department in XXXX Indiana, however now that we know the bank is in Louisiana, I had to call the police department there are they would not take a report. I filed a report with the FBI, but have not heard back from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: NY

Complaint narrative:
Receive multiple calls from the number. Receive both automated messages and scripted messages with a human when I don't pick up. Receive calls after asking them not to call since they were unable to actually confirm the debt when I did pick up once. Received calls from other XXXX phone numbers that are similar, each with the same tactics of leaving threatening voice mails that are either automated or scripted humans.

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 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Advantage LNS Inc.
State: NJ

Complaint narrative:
My husband & I rented an apartment at XXXX 's XXXX ( XXXX XXXX ) since XXXX. We were good tenants and regularly had maintenance repair things, kept the place nice, etc. In XX/XX/XXXX, my husband passed away suddenly from XXXX XXXX unexpectedly. I am permanently XXXX. I went into the office and spoke to XXXX XXXX a few times explaining I couldn't afford the rent anymore and would probably have to leave. I told her I had to see when everything settled. She was fine with that and told me that they needed 60-90 days notice if i left and said they would work with me due to the situation. 
In XXXX I sent an email stating I could no longer afford financially to stay. I also went back to speak with XXXX telling her my husbands employer had dropped me and my children from insurance and now i had to pay for all my medical, prescriptions, etc. So i had no way of affording the rent and that I would be leaving by the end of XXXX. As I had informed the office by the end of XXXX, I packed up, spent the weekend cleaning, painting with help and shampooing the carpets. Now since XXXX we had paid a deposit for a cat plus {$25.00} a month pet fee. All the walls were repainted with 2 coats of white paint. there was normal wear and tear in the apartment after 7 years, the carpet had never been replaced but regularly shampooed by me. There was a spot in the bedroom they claimed was from my cat, but it was actually from the maintenance man XXXX who when our air conditioner leaked, he drilled a hole in the unit causing the stain. counters get used, etc. 
But in the end of XXXX i get a note from XXXX XXXX stating they are keeping my security deposit, i owe damages, plus 2 months rent. I tell them I don't owe as i am XXXX and my income ( my spouse ) has died i can break the lease. they sent me to XXXX who tells me they are sending me right to the credit bureau and has done so making my credit go down and i don't feel this is right. I would like them to take this off my credit report immediately and i would like the so called debt eliminated and actually would like my security deposit refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: MA

Complaint narrative:
I went to XXXX XXXX from XXXX XXXX XXXX by XX/XX/XXXX i was employed full time at a non profit company. apparently partial amount of my loans went into repayment in XX/XX/XXXX and the rest in XX/XX/XXXX. i went on XXXX XXXX XX/XX/XXXX for which i continued to make payments regardless. around that time ( XXXX - XX/XX/XXXX ) i applied to be put on the IDR repayment plan and WITHOUT my consent/knowledge nelnet put my account in forbearance although i made normal payment that month and at the normal amount. 

in XX/XX/XXXX once again nelnet put me into forbearance WITHOUT my consent/  knowledge when i enrolled in their autodebit and they still received their normal payment at the due date. 

I transferred into a public service loan forgiveness program through XXXX in XX/XX/XXXX and my loans. After contacting nelnet I found out that WITHOUT asking/knowledge they put my account once again in forbearance when i continued to make normal payments. 

then there are a period of approximately 8 months where they say they have no record of payment BUT at the same time say there was no forbearance or deferment but refuse to answer my question as to why there would be no payments and the lack of negative reports/delinquency notes on my account. 

ALL of these issues have caused me to loose out on over 12 qualifying payments for my loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Hello Digit, LLC
State: FL

Complaint narrative:
Last year, This whole year from XXXX XX/XX/XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX. I have been fighting with them so long. Their platform all of sudden wasnt working with my my bank verified. I had money in it. Im not sure when I continue to closed. I still was getting these fees. They go back to XXXX. Im tired

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I keep getting phone calls from several phone numbers leading back to Diversified Consultants , Inc . They have left one phone message threatening me that they were going to call the police on me and have me arrested if I don't show up in court. The other times they just call and don't leave a message. I block the calls but then they call back only with different last four digits. The only credit cards I have are the ones I currently use and make monthly payments on them and have had no problems with the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
These people were contacted by me as well as XXXX they had no information also told me this debt was well over 7 years old I am the victim of if theft this is fraud and they said they were disputing it over 60 days ago yet nothing has happened I even mailed them a is theft affidavit they still try to collect fraudulent account money 's

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had three credit cards with Capital One going back to XX/XX/XXXX in various credit limits : {$300.00} business Visa, {$1200.00} Visa and {$2200.00} Mastercard. In XX/XX/XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XX/XX/XXXX and XX/XX/XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from VISA about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. Executive Response employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XX/XX/XXXX-only to find the fake Capital One charge off back on my credit report. The statue of limitations in Louisiana for collecting is three years. XXXX is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries,  that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for XXXX puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off XXXX was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX  ; the Capital One alleged debt appears on XXXX again along with a debt collector XXXX XXXX with fake address and phone number ). Capital One did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX VA account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I received an Alert from my credit karma account and they said the my score dropped 73 points because Equifax is reporting my mortgage as closed/sold or transferred. It's my XXXX XXXXXXXX account XXXX is how it reports on their response. The account is still opened and we are still paying on it. I feel they purposely did this because I am disputing things they are reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Overton, Russell, Doerr and Donovan, LLP
State: MD

Complaint narrative:
I XXXX XXXX have had my protective rights under XXXX XXXX State banking laws violated, basically because of an account support associate named XXXX XXXX, who does not understand the difference between a social security number and an EIN for a limited liability company. As you will notice from my attached inserts, a judgment on medical issues was granted against me XX/XX/XXXX. The law firm in question never submitted a complaint where I was legally served while I lived in either upstate XXXX XXXX   or the state of XXXX. I current have separate legal counsel working on vacating an illegal judgment by XXXX XXXX XXXX XXXX XXXX XXXX. This law firm that specializes in medical collections has abused the civil liberties of consumers for decades. The subpoena under CPLR Section 5222 ( b ) does not conform to state regulations in the state of XXXX XXXX  on the merits that I was never even issued an original complaint, that XXXX XXXX XXXX XXXX XXXX XXXX too a default judgment against me personally, not corporately. 

Most important, the judgment is against me personally and my connecting social security number, not any corporate entity such as my limited liability company registered as XXXX XXXX, XXXX. The hold on my {$5700.00} in funds in that account is simply a violation of banking procedures in the state of XXXX XXXX, or any other stare for that measure. My usage of my own money is being held against my rights to said funds, and XXXX XXXX XXXX XXXX XXXX should be held accountable. 

A separate complaint will be issued to the National Credit Union Association regarding the oversight. 

NCUA # XXXX Year Chartered XXXX Employees 326 Primary Regulator I demand release of my LLC account funds immediately.. Since the debt is being stolen from a non-entity connection, Im claiming an identity theft was used to process this hold on funds by XXXX XXXX XXXX XXXX XXXX XXXX, and that the New York State Bar Association must be informed of this illegal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been contacting Experian since XX/XX/2018 disputing the accuracy of an account on my report. Ive been asking them to provide me with the method of verification used to determine the accuracy of the information they have against me. According to the FCRA section 611 ( a ) ( 7 ), if I request verification they must provide it to me. Experian has not responded properly to these requests. They are in violation of the FCRA.

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 2018-06-26 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: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX of 2017 during Hurricane Harvey we spoke with our mortgage company NationStar/Mr. Cooper and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy NationStar/Mr. Cooper it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I checked my credit report and discovered an account from a company called ONLINE COLLECTIONS. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address or under my social security number. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
ON XX/XX/10 MY XXXX WAS CHARGED BY REALTY VALUE SERVICES FOR {$720.00} I DID NOT DO BUISNESS WITH THIS COMPANY, AND WHEN I CALLED XXXX TO TELL THEM THAT I DID NOT AUTHORIZE THE CHARGE THEY SAID THEY WOULDNT HELP ME. ALL I WANT IS MY MONEY RETUNED TO ME I AM A SENIOR CITIZEN AND DESERVE TO BE TREATED WITH MORE RESPECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/18 I did a balance transfer from my card ending in XXXX. As is evident in pictures I will show, I was left with a {$0.00} current balance which stayed that way till XX/XX/18 where I was literally charged an interest charge, on top of a interest charge on top of a mystery fee. The mystery fee was for {$220.00} and doesnt show in my current balance so theres no way to see what that charge was for. I called BofA customer support 3 times for hoping someone could explain these charges reasonably. Each person reading from a script said, this is standard practice at the end of a promotion with no valuable elaboration. The first interest charge was a {$41.00} on XX/XX/XXXX for interested charge on a balance transfer. BofA did nothing in this balance transfer. Standard practice for banking companies is not to charge money when they are getting paid the entire balance. Then that same day there was a second interest charge of {$37.00} just called interest charge.

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 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I checked my credit report and saw an account for PROFESSIONAL DEBT for {$3500.00}, stating it was assigned to an attorney. They are threatening to sue me fore a debt I have no knowledge of and have never been contacted about.

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 2018-06-26 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing the negative information shown on my report again and again. 
Since XX/XX/XXXX and every time they the information and the negative accounts belong to me and they verified it as accurate. 

I requested them to send me method of verification that they have used, name of peple/company they have contacted and their phone numbers, I also requested what are documents that justify the negative accounts shown on my report are accurate within 15 days from the receipt of the letter. It was requested on XXXX XXXX and its been 15 days already and I have recently received letters from them saying, I need to contact the creditors directly.

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