vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Im on XXXX and having a tough time making financially. I saw the CashNet commercial and applied for a {$250.00} loan. I was approved and when paid back they sent a message saying I could apply for a {$2600.00} loan. Rent was due and I was desperate so I applied. They sent me a message saying I was approved and they were putting the money in my account. They sent me a document packet with a promissory note. When I open the document for the first time I was given the terms. They are charging me a total of {$8000.00}. The interest rate is 189.13 %. How is this legal? Shouldnt I have been give this info upfront so I could have decided if I wanted to do business with them. I would think people applying for Pay Day loans are experiencing some type of financial hardship and this company is taking advantage of them. Is there anything that can be done about this predatory behavior? My rent takes up half of my XXXX check. After paying back CashNet I only have about a fourth of my monthly income to buy food, pay utilities, pay for medical and insurance, buy gas, etc. Had I known upfront CashNet did people this way I would have never applied for a loan with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: MN

Complaint narrative:
I received a call from Asset Recovery Associates, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/XXXX demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, Asset Recovery Associates # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Toyoyta financial Is charging of my account for XXXX for a 2015 toyoyta Camry that was a total lose due to a crash the XXXX XXXX XXXX insurance company along with gap insurance company payed off My account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity fraud. I have submitted documentation as in a police report proving identity fraud. I also find problematic that I was a victim of the security breech, which was my drivers license, and these items still have n't been removed. It is an issue that Equifax did not protect my information but yet, still allows these fraudulent items on my credit report. The items that I have disputed are as follows : All XXXX accounts ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and all of those inquiries with the exception of the inquiries from XXXX 2016. 

I have disputed these items multiple times. Multiple times they have been denied. Also I see that Equifax has tried to cover up the fact that the investigation was n't completed within 30 days so they reopened another one to cover everything up. 

I have records of conversations, the numbers of disputes that I have opened, and more as proof. I also have my police report. I am prepared to file a lawsuit against Equifax and I will. I am tired of Equifax playing these games and messing with my livelihood. I do n't appreciate it and I will not sit back and just take it anymore. I will be filing a lawsuit asap because my rights have been repeatedly violated and I am not going to sit here and take this anymore. If you do n't want that lawsuit to happen, you will remove those items asap in accordance with my police report that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: FL

Complaint narrative:
To Whom It May Concern ; XXXX was my previous loan service company. Today, I am being serviced by XXXX XXXX XXXX XXXX XXXX. The issue begins when XXXX sells mortgage to new company, XXXX XXXX. At the time ( XXXX,2017 ), I had made my regular monthly payments in addition to one large principal payment of {$78000.00}. The issue is that the new company, XXXX XXXX, never received these payments and all of the funds that were paid are currently " lost. '' I have been trying to resolve this issue with both companies for over 2 months and have not been able to get this fixed. I ask that you please review my case and help me with my problem. 

In addition, since the funding of accounts were not properly transferred, all recent payments that have been made have charged a higher interest and I would like for a new amortization schedule to be applied from a " true '' cost of funds. In other words, older loan ( XXXX ) was suppose to transfer funds into the new loan ( XXXX XXXX ), therefore my outstanding principal should have been established at {$310000.00} and not at the amount of {$390000.00} ... there is currently a discrepancy of {$81000.00} + additional interest charges that my account is being charged since the loan started at the higher amount {$390000.00} and I have already made a couple of payments to this amount. 

Thanks in advance.

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 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I became unemployed on XXXX XXXX. I contacted XXXX XXXX and was told to send in my unemployment approval award letter to e looked at for a unemployment forbearance. of Which I did. I never heard back from anyone! I called multiple times for status with no return calls. I then received a application for a Modification ( XXXX ). The letter gives me a specific person to contact XXXX XXXX with his direct line. I received one call on XXXX XXXX @ XXXX XXXX from XXXX XXXX I called back on XXXX/XXXX/XXXX @ XXXX XXXX pst. XXXX/XXXX/XXXX XXXX PST, XXXX/XXXX/XXXX XXXX PM PSTXX/XX/XXXXXXXX XXXX PST, XXXX/XXXX/XXXX XXXXPST,  XXXX message says he will return within 48 hours. I received no call backs during this period. This is a RESPA violation. I finally got a call back on XXXX at XXXX XXXX PST. I called back the same day at XXXXPST. again on XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX XXXX PST, again on XXXX/XXXX/XXXX XXXX XXXX I can continue to list times and dates my point is there has been no reasonable timely calls back per RESPA this is mandatory. I faxed my mod application over on XXXX/XXXX/XXXX no calls back to go over this with me. I have again left numerous messages XXXX/XXXX/XXXX XXXX PST, XXXX/XXXX/XXXX XXXX PM PST and so on and on and on!!!!!! I am now in jeopardy of losing my home and have had to seek a real estate agent to list my home on the market due to no response from my assigned Home Preservation Specialist XXXX XXXX. This is unacceptable and again in violation of RESPA. I have owned my home for 18 years now subject to losing it due to lack of response to my first request for unemployment forbearance and now lack of response to assist me with a workout option as the letter from wells fargo indicates.

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 2017-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
My loan was sold by XXXX XXXX to M & T Bank during the month of XX/XX/XXXX. A mortgage payment was processed by XXXX in the month of XXXX. M & T claims I did not make my XXXX payment so they contacted me to rectify. I agreed to process a 2nd XXXX payment to M & T while XXXX researched my XXXX payment intended to be forwarded to M & T. 
That 2nd XXXX payment was inaccurately processed due to a communication issue between myself and the M & T rep. No further communication has been received by self from M & T indicating my 2nd attempted XXXX payment was not properly processed. M & T then reported a late payment to the Credit bureus. I contacted the M & T call center and spoke with sitting supervisor. He was not helpful and stated the late payment is solely my fault and was not willing to resolve the inaccurately reported late payment. His name is XXXX and his number is XXXX XXXX XXXX. I have a letter from M & T thanking me for my XXXX payment.

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 2017-12-08 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: NC

Complaint narrative:
To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX  XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & TransUnion on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( TransUnion tracking : XXXX, XXXX tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on 2 XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.

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 2017-12-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom it may concern.
I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XX/XX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to Equifax on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XX/XX/XXXX) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXXXXXX XXXX tracking : XXXX, Equifax:XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
As of XXXX 2017, Equifax has not fixed the error that 's on my credit report. I have contacted Equifax and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted Equifax on several occasions to remove this account from my credit file. I disputed this account with Equifax and Equifax has not done anything about it. I even asked Equifax if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. Equifax does not respond or they take well over 30 days to respond if they feel like it. Please have Equifax remove this account from my credit file immediately. I even tried calling Equifax to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Im originally from XXXX, WA, and had XXXX XXXX in the house where I lived with two other roommates until XX/XX/XXXX, at the time of moving to XXXX, NC, I asked XXXX to cancel my subscription, as my roommates were taking it over, and I would not be needing their service anymore, they agreed, and said they would send or have someone call my roommates to switch the policy into their name, needless to say, this never happened. And unknown to me, my roommates continued to use the cable under my name, well sometime in XX/XX/XXXX, they fell behind on the bills, and now Im being held responsible for the debt, Ive received a collections notice, and a delinquent report on my credit for cable services when I havent lived there for 3 years! I spoke with the collection agency, XXXX, and the local law enforcement office to see what can be done in this matter, but I hit a brick wall with every call that I make, I have lease agreements and utility bills, let alone an NC drivers license that proves I was not there nearly a year before they fell behind on the bill. And their delinquent report is that I didnt pay {$200.00} on XX/XX/XXXX on my credit report! The bill originally was over {$400.00}. I have never fallen behind on any of my payments, my credit history will show that, I keep everything in good standing and on time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I received a letter from XXXX saying that my loan was being transferred to Specialized Loan Servicing, LLC ( SLS ) around XX/XX/XXXX. After not hearing from SLS around the first week of XX/XX/XXXX I decided to contact them. I asked them for a welcome package and a billing statement so that I can make a payment. I was informed that both would be sent out within 3-5 business days. After receiving nothing for another 2 weeks I contacted them again and requested information regarding my loan. I still received nothing after a week so I contacted them again and asked for a supervisor. I was informed that a welcome package should arrive soon and I was informed that my mortgage was under investigation because the terms of the loan did n't match up to what they had on file. I had a promotional interest rate of 1 % with XXXX and SLS had my interest rate at 4.75 %. I contacted SLS again in XX/XX/XXXX because I still had not received any information regarding my loan or the terms of my loan. I spoke with a supervisor, XXXX, who informed me that I would not be receiving a statement because I did n't have a payment due until the year XX/XX/XXXX because I was paying far in advance. She stated that it 's not unlawful to not send out a statement if there was no payment due even though interest is accruing. She also assured me that the interest rate that I had from XXXX would carry over. After speaking with her for about 40 minutes with no resolution I decided to just refinance my loan so that I would n't have to deal with SLS at all. I contacted XXXX XXXX on XX/XX/XXXX for refinance and we began the process. On XX/XX/XXXX SLS sent me a welcome letter via email. On XX/XX/XXXX, SLS sent my first statement. I have since closed with XXXX XXXX so I 'm not involved with SLS any longer. Another issue that I have is that SLS did n't report any of my loan transfer to the credit bureau so it looks like a long good standing account with XXXX was closed which dropped my credit score significantly. To date, SLS still has not reported my account with the credit bureau.

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 2017-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting to be collecting on an alleged debt. Upon review of the Florida Office of Financial Regulation they are not licensed in the State of Florida. Supporting documents attached. Their license expired in 1997. How is this legal?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: GA

Complaint narrative:
As of XXXX 2017, XXXX has not fixed the error that 's on my credit report. I have contacted XXXX and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted XXXX on several occasions to remove this account from my credit file. I disputed this account with XXXX and XXXX has not done anything about it. I even asked XXXX if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. XXXX does not respond or they take well over 30 days to respond if they feel like it. Please have XXXX  remove this account from my credit file immediately. I even tried calling XXXX to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account 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