vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Yesterday ( XX/XX/18 ), my son and I both received phone calls from National Credit Systems , Inc saying that we needed to call immediately regarding an account for my son. He and I called together right away and my son gave them permission to speak to me since he is XXXX years old. We were told that they had just taken over an account for an outstanding balance from when my son moved out of his apartment in XXXX, Florida in XX/XX/2018. We were told that the full amount of {$2500.00} had to be paid that day and that if it wasnt my sons credit would be negatively affected. After some conversation with the rep ( XXXX ) from National Credit Systems, my son and I both thought we heard her say that the account could be settled for {$1300.00} if I paid right then, so I gave her my credit card information. When she came back on the line to confirm, she told me that she had charged my card for {$1900.00}. However the miscommunication happened, that was not the amount I thought I was agreeing to so I told her to please void the transaction. First she told me they were not able to do that. When I insisted, she transferred me to her supervisor ( XXXX ) who said that he could void the transaction, but if the account was not paid in full that day that my sons credit would be negatively impacted. When I asked about payment arrangements, he said that he would not authorize any payments on this account since I was making him void the credit card charge and that my sons credit was going to be negatively impacted by this. My son called back today ( XX/XX/18 ) to try to work out a payment plan and was again told that payment in full was required and that he was going to ruin his credit if he didnt pay right then. He asked for something in writing showing the exact amount and stating that payment in full was required and was told that they dont do anything by mail or email and that they will only handle accounts over the phone. I dont know how any of this is legal, but even if it is, this certainly isnt fair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, Equifax and XXXX  on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from XXXX called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from Equifax on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, XXXX and XXXX, I applied for the forbearance on my consolidated loans with XXXX  XXXX. I had a total of XXXX missed payments ( XXXX missed on XXXX loans ). Once my I was approved for forbearance, my late payments with XXXX XXXX were retroactively brought to " current/on-time '' payment status. I requested that they remove the incorrect payment status with the credit bureau, as I am currently in good standing. 

I called XXXX XXXX on the following dates to get this matter resolved : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I sent emails to the CEOs of XXXX, XXXX and Experian on XX/XX/XXXX to get these incorrect reports removed. 
On XX/XX/XXXX, XXXX updated my credit report with the correct information and removed the late payments. 
On XX/XX/XXXX, a man from Experian called me. We then called XXXX XXXX on a three-way conference call to verify the information I was disputing was correct, but the representative refused to acknowledge. She did ; however, verify that my account was in " current/on-time '' status. 
As of today, XX/XX/XXXX, I have not heard back from XXXX  on 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 explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I called Exeter Finance and asked for a breakdown of how much the car was sold for, other charges ( interest, storage, cost to pick up ) to be mailed to me. I specifically asked for an Intent to Sale form and a 1099c. They told me that they would mail a 1099c but did not have nor do or use a 1099c and could not provide that to me. I asked them how much I owed and they gave me a total of {$10000.00}. They then told me that I owed the debt to XXXX and not them and to call XXXX XXXX set up a payment system. When I called XXXX they told me that my balance was {$7800.00}. Today, on XX/XX/XXXX, I still have not received an Intent to Sale form in the mail. I called them today for an update and asked why XXXX said I only owed the {$7000.00} but they are charging me {$10000.00}. She stated that the car sold for {$6300.00} and I was charged for other things such as the preparing for auction, the cost of the car, late fees and the cost to pick the car up. I am not sure who I would pay the other {$3000.00} to if XXXX is only charging me for what is the remaining balance on the car. She noted that she sent me a breakdown of the costs on XXXX of XX/XX/XXXX but they sent it to the wrong address and I never received it. I requested another breakdown of everything I was charged for that she listed plus any other charges. I would like them to send me a complete breakdown of all the charges to ensure I am paying an accurate amount and not being held responsible for something I should not be. This is the second time I have had to request this form and would like to resolve this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX Credit report and found an inquiry made under a fraudulent application submitted XX/XX/2018 to American Express ( XXXX ).  This item is being report to XXXX credit reports. An official dispute of this inquiry was mailed certified with return receipt to XXXX XX/XX/2018 however that inquiry is still being reported to her XXXX credit reports as of today and XXXX has failed to reply to the status of the investigation as is their obligation under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Payday loan 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: Red Cedar Associates LLC
State: TX

Complaint narrative:
Company called my fathers work phone number and left a message stating Red Cedar Associates was coming to serve me papers for a lawsuit this Wednesday. I spoke to a representative named XXXX on the phone with my dad on the phone as well. He asked me to verify my private information prior to releasing any information about the judgment against me or without telling me what the call was in reference to ( as I never received a phone call or voicemail prior to this ). He sent me and my father an email with the deposition that I will be served on Wednesday, but there is no reference to any lawsuit or any legal action to be taken. I have had phone calls like this before and I know they are scammers, as well this company has had numerous complaints and lawsuits filed against them in the past 5 years. I want something done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
I have tried 4 separate times to make good on judgement. Continue to get false and misleading information. Have asked for multiple managers and follow up by other reps or mgrs to no avail. My account and money is being locked up over 2x because of bank hold and wages are being held x2. No money has been taken even though repeated attempts and phone calls to resolve in full. Every time I am treated poorly with no solutions for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
1st call was made to my job on : XX/XX/XXXX at XXXX XXXX, i told the woman on the phone i could get in trouble for them calling me at work. Asked them to stop. 
Here is a list of dates and times they still called XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WI

Complaint narrative:
I check my report often to make sure my information is reporting accurately. A few years ago, I was a victim of identity theft and had several accounts removed because someone fraudulently used my personal information. I received a notification from my credit monitoring service that an account has been listed on my credit reports. It is reporting under the company XXXX as a collection for {$270.00}. I have never heard of this company and have no idea who they are. I was never sent any notice or dunning letters in the mail, therefore I have not had a chance to dispute this inaccurate information before being placed on my report. This a violation of my rights and I want this account removed from my credit reports immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I leased a new car at XXXX XXXX on XX/XX/XXXX. I turned in my existing lease which was paid up to date. I started a new lease with a first car payment of {$450.00} due XX/XX/18. I was told to leave a check at XXXX XXXX for my XXXX payment. I did. Fast Forward to end of XXXX when I receive a collection call saying I never made my XXXX payment and I was delinquent on my lease. I had to pay 2 car payments to catch me up. I contacted XXXX XXXX 3 times over the phone and twice in email and never received a response from my sales person or the finance department. I reached out to XXXX XXXX XXXX on XX/XX/18 hoping for some help. I was contacted by their representative who said that she could not help with this issue but would contact the dealership. I still have not been contacted by the dealership. I would like the delinquency removed from my credit report.

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 2018-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The debt in question is for a repossession of an auto over 8 years ago in the state of New York. The Statute of Limitations has exceeded for collecting this debt and the car has been sold by the company. In addition, I have asked them not to contact me, especially during the day, at work. I have hired an attorney - XXXX XXXX XXXX, who has sent 2 letters to the original company who called and threaten to come to my office and serve my boss with a letter to sue me ( XXXX, XXXX, and Associates, XXXX ). My attorney has sent 2 letters as they did not stop contacting me. Now I am getting calls for 2 weeks from a company called XXXX XXXX XXXX phone number XXXX, XXXX, or random XXXX. I finally asked the guy on the phone what company he was calling about as they usually hang up when I ask and he stated Santander. I requested he contact the attorney of record for me - who was noted previously not contact me. He hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was approved for a HELOC on our current property. Upon title review, we were informed by our credit union, XXXX XXXX XXXX XXXX, that there was a 2nd trust deed recorded for {$85000.00} HAMP Loan through our service provider, Bank of America on XX/XX/XXXX. My husband and I were NOT aware of this second lien. We were having difficulties back in XXXX paying our mortgage and applied for a modification. We were past due about {$42000.00}. We completed 3 trial payments successfully, then was approved for a modification through Bank of America on XX/XX/XXXX. We DID NOT agree to a lien on our house for {$85000.00} NOR was that amount revealed to us by the bank or on the documents we received. THE SECOND LIEN THEY PUT ON OUR HOME IS DOUBLE THE AMOUNT WE WERE PAST DUE! Due to this 2nd lien, we are unable to access out home equity to pay off emergency bills that we have, we are not able to refinance our mortgage. Bank of America mislead us as homeowners in believing that we were adding the past due amount to the back end of the mortgage. There was NO documentation provided to us or explained to us by the lender informing us of this HUGE lien that we would have NEVER agreed to. We did NOT sign agreeing to this {$85000.00}. We only owed half of that amount. Bank of America fraudulently had us modified our own under those terms. Also, on XX/XX/XXXX, we modified our home again, and no where is this big balloon amount included in the modification. There has to be something done about this fraudulent lien that Bank of American orchestrated through the HAMP program. This second lien should be dismissed and Bank of America needs to be held accountable for this misleading actions that has caused us great stress.

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 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tate and Kirlin Assoc
State: TN

Complaint narrative:
Received correspondence from Tate & Kirlin Associates to collect a debt for XXXX. 
I informed XXXX to terminate the services because the security service never worked because of the internet connection. Previously I made several calls to XXXX requesting the service be repaired or terminated because of bad services. I wasn't in a contract when I requested the services be terminated. This debt was previously with XXXX XXXX XXXX. I also informed them I didn't owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: FL

Complaint narrative:
Loan was Paid in Full on XX/XX/2018. Balance still showing and loan is still open on my credit report. They refuse to update per their own reporting guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have an issue to open bank account since XX/XX/2015 because bank of america made mistake and put my name under fraud activities and closed my account. 
I cleared my name with XXXX and I have identity case. 
I cant open account because bank of america still blocking my name. 
Can you please help me. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
My mortgage was sold to PHH bank from XXXX XXXX   XXXX in XX/XX/2010. I have not been late in paying my mortgage which is due on the XXXX of the month with a 16 day grace period. 

XXXX bank has bee contacting me every month on the XXXX of the month informing me that my mortgage payment is late, when it is not. 
This has become a constant with these people, which is quite bothersome and a harassment to me. I feel they are trying to DAMAGE my credit by constantly calling me about my mortgage- which has been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My husband pasted in XX/XX/XXXX. I informed Nation Star at that time Now Mr. Cooper Mortgage I had received a foreclosure letter within two months of my husband death.I went to XX/XX/XXXX Mortgage payment protection They began helping me with the Mortgage in XX/XX/XXXX they informed me at that time The Nationstar Mortgage could not give me late charges or late payments. Only because the XXXX XXXX XXXX XXXX XXXX XXXX  will be paying it for. That would be my Mortgage payments and escrow I was approve the loan amount of XXXX and a cushion XXXX XXXX was for Reinstatement to Nationstar. XXXX Monthly for 16 payments XX/XX/XXXX to Nationstar. XXXX Annual for payment to HOA. XXXX for Lender 's Cushion. Now Nationstar was also charging for late fee they removed them at that time the late fees which Nationstar removed after they were contacted by the XXXX XXXX XXXX. After that I started paying I have not been late.I lived her since XXXX Mr. Cooper Mortgage put me in for being late on XX/XX/XXXX and XX/XX/XXXX which lower my credit score I have been disputing these two late payments for those  months I believe in paying my debts, it hurts me that Mr. Cooper will not fix this issue. When I call I can get some of the most rudest costumer service. I have ever experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 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: UT

Complaint narrative:
Have a settlement agreement with company my payments are current. This company has not update my payment status or my added payments to my credit report and also they have not changed my balance.

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 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
I had them change the date of withdrawals to coincide with my paydays and they charged me an extra {$150.00} and added that to my payment I have already paid this company over {$2000.00} for a small loan. Now the agreement they send me is an out of the country bank who I believe are a fraud in fact 1st page undercpayment schedule interest rate is over 800 % and says if you pay off early you still apy full fiannace charge. 
How is this legal I have asked XXXX multiple times to stop withdrawals from my acct and they wont as company makes remote checks. 
I think they need to be reported to FTC

Company response to consumer: Closed with explanation