vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial, specifically a person named XXXX at XXXX at extension XXXX is repeatedly call my number, my wife, friends, family and people I barely know telling them to call him and then have me call them. He even called a friend of my wife the day before our wedding on XX/XX/2017 that she needed to call him and have me call him before our wedding because there are serious issues going on. I am behind on payments due to my divorce and having to leave my job due to a dispute with my employer over funds they owe me. I am trying to get back on my feet but this is now clearly harassment.

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 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc.
State: MD

Complaint narrative:
On XXXX.2017 Interstate Recovery Service contacted me about an alleged outstanding debt I had incurred from some sort of transaction that they can not provide me verification for. Something about magazine subscriptions. After contacting them and requesting any and all information pertaining to this alleged debt, they informed me that there was none. No receipts, no judgement, nothing. They could n't even tell me when this alleged transaction took place. I informed them I would not be paying the alleged outstanding balance of {$540.00}, and would report them to the FTC. They still would not provide me with any information at all. I looked up the company on the Better Business Bureau website and the very fist complaint was about something similar, magazines never received and on that case, accounts still requesting money after being closed. All correspondence with this company has a different address and a different phone number than the information given on the BBB website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I submit a previous request ( XXXX ). 
The company submit proof that I never sign. I need original copy, with my original signature in a notarize document. I need copy of the only modification paperwork that I did in 2010 with XXXX. I 'm taking legal action agains XXXX XXXX. for fraud and forgery and probaly agains SPS if I do n't received an appropriate answer from them, since I tried to communicated with them several times and nobody can give an answer about my problem. After spoke with my lawyer, if we do n't received copy with my original signature, we will included SPS as well as part of the legal action for fraud and forgery since they own my mortgage now. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Yesterday evening, XXXX XXXX, 2017, I was in the XXXX XXXX XXXX Store ( # XXXX ) and purchased a XXXX  bundle. 

I had had a XXXX XXXX credit card for years, also through citibank, ( always in good standing ) however earlier this year it had been shut down due to inactivity. To purchase my new camera and take advantage of the 18 months zero interest financing that was being offered, I applied for a new XXXX XXXX  credit card ( through Citibank ) in-store. Before approving me, the sales rep was prompted to call the bank for further information. I spoke with them, verified my social, DOB, address, and cell phone number where they sent me a text with a code that I had to read back to them. Thereafter I was approved for a {$6000.00} credit limit. 

After attempting to use my new XXXX XXXX credit card to make my purchase of {$2100.00}, it was declined. The sales rep was then prompted to call the fraud department. The fraud department with the bank kept me on the phone for well over 30 minutes ( and after the store had already closed ) transferring me from person to person keeping me on hold for extended amounts of time which seemed intentional, hoping I would give up and disconnect, and then finally sent me to a manager. The bank told me they could n't verify my identity because my cell phone number did n't come up in my name when checking public records. Yet, the SAME bank just verified my identity by sending me a text message that I had to read back to them- which was good enough to approve me for a credit card but not make a purchase? How my phone number has anything to do with my new credit card I was approved for I do n't know ; however, checking public records and using the information to determine credit eligibility and verify someone 's identity is against FCRA, the Fair Credit Reporting Act. It is absolutely ridiculous that they 'd approve me for a credit card, however, would not allow me to use it. At the end of it all, I applied for a credit card, which hurts my credit score, for a credit card that I was n't allowed to use and now absolutely refuse to use. 

I worked at XXXX XXXX for over 3 years and have never seen this type of thing happen, not once. I plan to take this as far as I need to get this rectified. 

Thank you for your time.

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 2017-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: OH

Complaint narrative:
Around XX/XX/2017 I was contacted by Clearpath Lending in an unsolicited mail offer stating that I could use a VA backed refinance to lower my interest rate. They stated that I could use a hybrid loan that started at a 2 % interest rate with deferred payments for two months but that in 3 years the mortgage would convert to a variable rate and would increase by one percent per year to a maximum of 5 percent. They also stated that this would not happen and that I would have nothing to worry about. They tried to sell me that the markets would not be good enough to allow an increase in percentage. They also stated that the VA guaranteed that the loan terms and that the 5 % was a cap that the VA guaranteed. They used their VA loan number to assure me that they were legitimate and that I was getting a good deal. 

They were very vague with the terms of the loan and would not allow me to see any legal documents detailing the loan agreement before I signed the paperwork. I fear that any other veteran may have fallen for their promises and would be stuck in a predatory lending scheme by clearpath.

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 2017-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BB&T CORPORATION
State: CA

Complaint narrative:
I have setup autopay with XXXX XXXX. XXXX XXXX, recently transferred their loans to XXXX XXXX and I had to figure this out on my own before I could make payments. Unfortunately, I have been delinquent for over 30 days since I did not know my autopay has been terminated. 

I have only received one letter from XXXX XXXX on XX/XX/2017 and two phone calls ( last week and XX/XX/XXXX ) with no description of their service other than to call a number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: NY

Complaint narrative:
I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my Transunion and XXXX Credit reports. The Transunion and XXXX report clearly shows that my last payment was in XX/XX/XXXX, but XXXX reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written XXXX and they have yet to respond. when I call XXXX I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with transunion via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my transunion credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from transunion and XXXX claim that a change had been made, but the derogatory is still on my credit reports. Pls help!

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 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northland Group Inc
State: LA

Complaint narrative:
The case number is XXXX its with northland group. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 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: DISCOVER BANK
State: WA

Complaint narrative:
Based on the statements enclosed fraudulent transactions were posted in the amount {$7400.00} from XX/XX/XXXX through XX/XX/XXXX. According to the statements the majority of the transactions are consistent with common fraud. {$2500.00} are large online purchases or card not present transactions. The other main purchases are large amounts with XXXX XXXX XXXX ( {$1500.00} ), XXXX ( {$790.00} ), and XXXX XXXX ( {$250.00} ). In addition several gasoline transactions took place on days when I was at work ( XXXX XXXX XXXX, XXXX. ) This is undeniable fraud because I have only commuted to work by bus or bicycle for 13 years. Additional purchases were made online during weekends. The fraud is flagrant. All the transactions were perpetrated in the course of 67 days. The amount spent was more two months of my take home pay. I believe the reason that Discover will not release the original application was because they also verified the application with a cell phone number. This is also impossible because I did not have a Cell phone until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
The case number is XXXX its with XXXX XXXX. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX after federal Government agencies investigated XXXX XXXX XXXX use of the XX/XX/XXXX-XX/XX/XXXX TARP Money, XXXX XXXX XXXX, finally modified my home loan. I believed the loan to have certain guide lines that may have been violated during the transfer. Including and not limited to deferred balance forgiveness of the amount of XXXX and a fixed interest rate after seven years. XXXX  XXXX XXXX sold my modified loan to Carrington on XX/XX/XXXX which is the 7 year mark. Carrington sent me a mortgage statements due on XX/XX/XXXX for XXXX with a fix interest of XXXX. 20 day later they send another statement for the XX/XX/XXXX for XXXX with a variable rate of XXXX. I am confusing and now I have two mortgage payments to make when I was previously stated one. See attached original statement. This is going to cause a hardship. Such practices needs to be audited to ensure consumer protection. 

Also Carrington failed to send a letter 15 days prior to the transferance of the loan. 

I want the public and banks to be aware that XXXX XXXX XXXX may be dumping modified loans in an attempt to not fulfill promise to the public. As i am suspicious that my loan was sold the very day that my loan was supposed to be a fix rate and that the deferred debt forgiveness did not take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
I was sent through a text message on my phone from speedy cash, which I have no dealings with, but the kept trying to contact me. So heres the last harassment : Legal Matter. 

Read all case related information carefully we will not able to provide you any information over the phone if you willing to settle this matter out of court call us on listed number. 

Three Criminal allegations against your name under Financial Fraud are : - Violation of federal banking rules and regulations. 
Theft by deception Breach the contract with Loan Company The affidavit states that you went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX.Basically all the loan companies in your state they are working under my client XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse. 

As of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges. 

Your Credit score will hit by negative XXXX points & your drivers license will get blocked. 

You do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court. 

Now this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$950.00} NOTE : This case is under investigation by the credit bureau so we cant accept your payment from your bank account or your debit card we can only accept EFTS ( Electronic fund transfer system ) payment at this moment so kindly contact on the listed number below to get the information for the XXXX XXXX and XXXX XXXX. 


XXXX XXXX XXXX XXXX To Remind you, I have never taken any loans out through this company. I have through a different company which is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I closed the credit card on XXXX 2013, but still display it on the credit report. 

1. bank of america A # XXXX open date XX/2013 closed date XX/2013 ( chapter XXXX ) {$1500.00}

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 2017-11-21 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: FL

Complaint narrative:
In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect one. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and the bureaus have n't remove from my credit neither fix other wrong information about some debts I already paid and them do n't upgrade my report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you 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 non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
We paid off the loan in full with our lawyer XXXX XXXX  2017. We 've checked with register of deeds in XXXX county WI and they keep telling us they removed the mortgage from the deed as lien holder and of this date it still has n't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello, I received a call from XXXX XXXX XXXX XXXX XXXX at approx. XXXX XXXX on XX/XX/2017. This call was from a representative of XXXX XXXX credit cards collections department. The call resulted from my account being 115 days past due. I ask the representative what would happen if my account was more than 120 days past due and the rep stated the account would be charged off, negatively effecting my credit. I explained to the rep that I was experiencing a financial hardship and the difficulty involved in me being able to make a payment. The rep restated that their policy was to consider the account for charge off after 120 days showing complete disregard to his companies actual policies which can allow an account to be delinquent for up to 180 days before being considered for charge off. A simple notation on my account stating my intentions of paying should have been enough to delay any actions. After double checking his companies policies, the representative stated that he had been incorrect in his prior answer and stated a charge off of the account would occur within 150 days instead of 120.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My car was seized in XX/XX/XXXX. I went to 2 court dates and on XX/XX/XXXX the judge gave the car back to Ally. They put in the paperwork to have the car returned to them. I was told in court that Ally would contact me within 30 days to let me know if they were going to return the car to me. I called Ally and customer service said that I would get a letter on instructions of getting my car back. That did not happen. I paid the car up to that point. The XX/XX/XXXX payment was never cashed. I did not hear from them until XX/XX/XXXX stating that my car had been repossessed and was going to be sold. I answered back that I wanted my car back but received a letter from XXXX XXXX that I owed {$10000.00} before they even contacted me. How does a car that they had in their possession for 3 months get repossessed?

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 2017-11-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I opened a loan with XXXX, and they made me do a 1 month term loan after getting out of school they demanded i pay the loan back in full during the first and only month to repay it, i could not afford of pay the loan back in all of one month, this has effected me and i cant get certain loans because of the payment history of this loan even though i eventually paid it off. 
ive disputed this through the 3 major CRA and they have denied to take it off my report DO NOT get a loan through them you will regret it.

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 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Robo calls sometines as much as 6 to 8 times a times a day XXXX ( XXXX ) XXXX, constant spoofed numbers XXXX ( XXXX ) XXXX,,,, those are some of there numbers with same area code as mine it says XXXX XXXX. I believe it is debt collector and I am on the do not call list. Thank you. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief