vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-19 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: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2017. I received a response more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been trying to get a modification to an existing mortgage for 3 +  years. Every time I submit the information that they requested, they state that they want additional information. I must have submitted the information at least 10 times. Last week they stated that they had all the information that they needed. Two days later they stated that I had to start over and submit everything again new. I did do that, but they said that they did not have enough time to do the required work. The property is now scheduled for foreclosure sale on XX/XX/2018. This is an example of the worst customer service I have ever seen.I now am working and could afford to make the mortgage payments, but they are not offering me that option. Please help. I have attached a document that shows the fax 's I have submitted. This is only the top page of 5 pages of faxes.

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 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: FL

Complaint narrative:
XXXX XXXX XXXX  is reporting a collection account to all 3 credit  companies in the amount of {$4900.00} this account is not mine I have been disputing this account for a long time. I currently have sprint for the past 2 years for my cell and company services an my account is up to date with them. 
I need written confirmation from XXXX XXXXXXXX XXXX that this is my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
This company had an outside agency which did not disclose there name or number call me and my husband which is not on my loan or a reference leaving threatening messages on both of our voicemails stating they will find me I cant hide they have my SS # and they will find me so I called them and set up a payment arrangement that is for more than what I originally took the loan out for which I already paid I was making the payments and missed one and the lady called leaving the same threatening messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: AZ

Complaint narrative:
In preparation to close on my property on XX/XX/18, I requested a payoff statement from Reverse Mortgage Solutions ( RMS ). It was emailed to me on XX/XX/18 indicating a payoff balance of {$120000.00} that would be good thru XX/XX/XXXX. 

Without notifying me, RMS sent payoff information to XXXX XXXX with an additional fee of {$540.00} added. I contacted Customer Service at RMS to ask why and was told I was in default. The rep couldn't tell me why, thought it might be an appraisal. When I told her there had been no appraisal, she next said I was in violation because I had not returned the occupancy verification letter. I told her I had, and she put me on hold, at which time the call was disconnected. 

I called back again and spoke with a different customer service rep with whom I had to start completely over. She told me that my letter had indeed been received, but that she still could not tell why I was in default. She said someone would be in touch with me by the end of the week. I asked if it could be taken care of sooner, as my closing was occurring Friday morning. She suggested transferring me to a supervisor, to which I agreed. Instead, I got someone's voice mail, on which I left a message at XXXX XXXX on XX/XX/XXXX requesting a return call. It is now XX/XX/18 and I've received no return call. 

I next sent an email ( also a fax ) on XX/XX/XXXX detailing my efforts to clarify this issue in which I requested a response. Again, it is now more than a week later and I've received no response. I have attached the text of this email. 

My closing officer at XXXX XXXX called RMS customer service on XX/XX/18 and learned that RMS had indeed received my correspondence, that my case is under review and appears to have some problem about insurance. 

Having heard nothing, I sent an email on XX/XX/XXXX requesting an update. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: PR

Complaint narrative:
Made an investigation with all major credit reporting companies about a Debt Buyer Company : XXXX XXXX XXXX which has no license as a debt collector in the XXXX of XXXX XXXX as per State Debt Collection Statutes and did not ERASE this debt collection information ; DECREE # XXXX LAW # XXXX of XX/XX/XXXX and Law # XXXX dated XX/XX/XXXX. 

Reporting companies are placing this information twice with the Original Creditor and also the non state compliance debt collector XXXX XXXXXXXX XXXX which has no license as a debt collector to the residents of the XXXX of XXXX XXXX THEY DO NOT MEET THE REQUIREMENT OF THE FEDERAL REPORTING CREDIT ACT

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 2018-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
First Midwest Bank is a predator for poor people. 

I am constantly charged excessive overdraft fees even when my account is not in the negative. I estimate about {$500.00} a month in over drafts and extended over draft fees each month from this bank. 

In the month of XXXX I deposited a total of {$5500.00}. I spent a total of {$4100.00} and I paid a total of {$490.00} in overdraft fees. 

XX/XX/2018 I received a direct deposit for {$920.00} and received an Overdraft fee of {$32.00} the same day. 

XX/XX/2018 the day of my direct deposit I got an over draft fee the same day for {$36.00}. 

On XX/XX/2018 I reviewed a direct deposit payment of {$1800.00} I made purchases of {$180.00}, {$12.00}, {$1500.00}, {$3.00}. and the next charge that exact same day is a CONTINUOUS OVER FRAFT FEE FOR {$32.00}. 

On XX/XX/2018 I has a direct deposit go in for {$1800.00}. My account was not in the negative however the following day I was still charged an overdraft fee. 

On XX/XX/2018 I deposited cash to cover a check that had not yet cleared my cash was held the for days and I was again charged an overdraft fee even though I provided funds to cover it. 

If you deposit cash in a branch or at the ATM it is held like a check. This bank does not trust CASH. 

No transaction is ever declined. They will except any transaction rather you are in the red or not in order to charge more fees. 

There are virtually no ATMs for this bank except for the branches so you are charged fees from both First Midwest and the ATM service to access any cash. I have been charged as many as 5 overdraft fees in one day. 

You don't even get until the end of business to cover a transaction if it posts early. I get charged a fee before a transaction is even cleared. 

Almost half of my income is going to overdraft fees. It has become impossible to manage my account because of this. I make $ XXXX a year and I can barely cover my living expenses because First Midwest is  literally robbing my account as soon as I get a dollar. 

They have never offered me a resolution. I find a way to justify each transaction and will even go so far as to yell at you. I fell like a victim. This is the worst back I have ever done business with and I have had a bank account since I was XXXX and I am now XXXX years old.

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 2018-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Platinum Holdings Group, LLC
State: MA

Complaint narrative:
I took out a {$500.00} payday loan from XXXX, which was eventually sold off to XXXX XXXX XXXX. These collectors are hyper aggressive, calling my place of work and threatening to serve me court papers. I realize this is an empty threat. 

This is threatening my job security and while I've spoken to 3 different agents with this company, 2 of them have hung up on me while I attempted to get a written letter of debt confirmation. 

I told the agents I would be willing to pay down my principal balance from the original loan for {$500.00}, but no more. They got angry and tried to scare me into paying over {$1000.00} and proceeded to hang up on me when I tried to get their physical address in order to send a certified letter of debt confirmation, since I really don't know who these guys are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
This USAA FSB account # XXXX is Paid-in-Full and Closed.  However, XXXX  CRA and XXXX  CRA continue to incorrectly report as Open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19 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: ResidentCollect, Inc.
State: FL

Complaint narrative:
Innovative Recovery Inc is reporting a collection account to all 3 credit companies in the amount of {$840.00} this is not my account I have been disputing this account for a long time. I need written confirmation that this is my account. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX has that I owe them {$1500.00}. However the orginal creditor has that I owe them a complete different amout. Im confused, this debt is in question to me. Should all amounts be listed as the same or is XXXX XXXX  ingaging in some illegal collection tactics? Please explain such to difference to me so I can fully understand. 
Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I ran my credit report through XXXX. 3 accounts were on my account that show date account opened and closed with no activity reported. The dates closed respectively are XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, ell well over 10 years old. I called XXXX, was told to submit a dispute request and they would investigate the accounts. At the end of XX/XX/XXXX, I was notified XXXX finished its investigation, but would not take the accounts off. Reason : due to Customer Dispute, the 10 years changes to most recent activity date ( my dispute ) and the accounts would stay on the report. First and foremost, these accounts were not mine primarily, they were joint accounts dating back to when I was married. Since being divorced over 10 years now, there is no reason it should stay on my report. It is reducing my credit score for no good reason and immediately needs to be removed.

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 2018-07-19 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:
This XXXX XXXX account # XXXX is Paid-in-Full and Closed. However, XXXX CRA and Experian CRA continue to incorrectly report as Open.

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 2018-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Ocwen has made many mistakes. 
Last one was including a borrower that wasn't on the loan.

Ocwen has started foreclosure proceedings and endangering the household.

With the foreclosure filed strangers drive by all hours of the night especially while homeowner works at night.

Ocwen keeps delaying saying that they haven't received my filed personal taxes when in fact in their own email they say they have received them With that delay Ocwen won't review the complete package and submit for a loan modification so we can keep our family home and get rid of the foreclosure.

I am ready to make a mortgage modified payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
XXXX, XXXX XXXX  card. 
we only use our card 1 time a month. XXXX says we owe {$1000.00}, we only go up to {$100.00} if nessesary. 
we contacted XXXX and told them that our card was scanned by a card reader illegally. 
we feel that we have paid enough on this bill. XXXX wouldn't work with us. 
we have been paying on this for 9 months. and it seems like it is going up. whats going on with this company?

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 2018-07-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc.
State: MO

Complaint narrative:
On XX/XX/2018, a garnishment was granted against me for the amount of 15 %. I am paid weekly as a XXXX for XXXX XXXX. 

The garnishment has been in effect and active since XXXX. 

The agency processing the garnishment is Delta Management. I  received no prior notice of the garnishment. I understand that this is normal with federal student loan collections. 

Delta Management has now taken to calling the company I am assigned with, XXXX  XXXX XXXX. It is a highly sensitive company that deals with consumer issues. To get calls regarding me is not a good look and puts my employment in jeopardy. For the past two weeks, a XXXX XXXX has been calling various departments asking questions about me. He left this number and extension, XXXX XXXX. 

Please advise as to what rights and options I have to make this stop. The garnishment is being paid there is no reason to contact my assignment. I work for XXXXXXXX XXXX and not XXXX. 
The lien is for {$200000.00}. If you get me fired, then I don't understand it is expected for me to pay off this debt.

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 2018-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
My employer submitted a background check to XXXX XXXX   XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX, IN XXXX ). I received a copy of my results, which included a criminal file for a court case that would have taken place when I was XXXX years old in a county I have never held residence. On XX/XX/2018 I contacted First Advantage consumer disclosure center at XXXX to discuss the issue. They could not locate any information related to my name, ssn and stated that they could not help me. I have also attempted to search the criminal records for the county that is listed on the background check, but have not been  able to locate any criminal records based on the information provided on the background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
A Mr. XXXX from " XXXX XXXX '' tried contacting me multiple times on XX/XX/2018, XX/XX/2018, and I finally picked up the call on XX/XX/2018. He said he was Collecting a debt that was once owed to Wells Fargo Bank. I called Wells Fargo to verify the Debt that was mentioned. They had no knowledge of whom owned the debt or if it had been collected ( This was a debt that I owed 10 years ago when I was in college that I thought I had paid off ). I called back Mr. XXXX and told him that I would be willing to come to an arrangement as long as they provided verification of the debt owed. After using harsh language and warning about a potential lawsuit multiple times, I asked for validation again. He proceeded to say some rather disrespectful things and hung up on me. 

I could not find out any information about this collections agency. I only know the telephone number that they called me from, which was ( 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 2018-07-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have had a reverse mortgage with XXXX for well over 11 years, and I have been in full compliance with the provisions. They have been calling my home daily for the past year at XXXXXXXX XXXX EST, despite my request to please stop calling. I had a letter sent to XXXX from my attorney to advise them to please stop calling, as this is harassment. I am XXXX years old, and their calls are abusive, harassing and an infringement of the privilege of being able to call my home. There must be some guidelines for this type of behavior on the part of a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account to all 3 credit  companies in the amount of {$9300.00} this account is not mine. 
I need written confirmation/proof that this account is under my name. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19 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: FL

Complaint narrative:
I've disputed information twice to have an item removed, The second time I SPECIFICALLY asked that the original creditor listed on the debt be verified by the company XXXX XXXX XXXX reporting the information as I have never had a contract or knowledge with any company named XXXX XXXX XXXX. The results returned " Remains '' with NO updates to the specific area I asked to be investigated. I had already lodged complaint against XXXX, XXXX   and XXXX with CFPB but was awaiting results from Experian to include them. This issue has also been reported to XXXX who has also acknowledged complaint.

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