vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
XX/XX/18 at XXXX, XXXX. I have been receiving multiple calls daily at work and on my cell phone. I answered today and was told the company name is XXXX XXXX. I asked that they do not call my place of employment as I can not take personal calls. The lady XXXX  stated she would call whatever number she wanted and was very threatning. I disconnected the call and she called back 3 times on my work line and left several messages, I then began receiving calls on my cell phone XXXX XXXX, XXXX. 
I tried calling back the number XXXX and it does not work the line stays busy. I tried researching the company online, no information. I looked the company up on XXXX XXXX XXXX   site, and the information stated this company is no longer in business. 
I returned to my work phone and called another number they called from XXXX and asked for information on the company, I was hung up on, called back I was transferred to XXXX and hung up on, I called back and spoke to someone named XXXX and asked for the company information so I could send a no contact letter and was hung up on. I am unable to speak with someone about removing my work phone number.

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 2018-08-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Although the Co-signed loans were included in Bankruptcy, the said collection company now takes responsibility of the loans sold by XXXX XXXX XXXX ( XXXX ) and in accordance with the " Consent Order '' filed against XXXX and XXXX by CFPB, they are continuing to break the law. See appended document. I was told that the loans have defaulted, even though Co-signed loans were included in the Bankruptcy, they still report negatively towards my Credit report and as a Co-signer to the loan, I was never informed that the loans were defaulted until recently. I never, ever received any notification. If XXXX and/or XXXX has refused to accept the applicable documents and continue towards collections, why was I not notified that the Co-signed loans defaulted? Again, I just found out a couple of days ago. 

XXXX  before selling the loan to XXXX has committed illegal activities by reporting negatively against my credit report - regardless of the XXXX XXXX. Now XXXX is totally disregarding and not complying with the XXXX XXXX and/or Bankruptcy. They have since mailed documents to my home - when told not to contact me in any manner ... 
I believe that there are many students ( borrowers ) just like my daughter that is constantly being silently harassed by XXXX  and XXXX ( Simply Disrespecting the Consent Order ). There are so many students  complaining about sending payments and their payments were sent back because XXXX/XXXX felt that the money was not enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Subject : Credit Fraud Protection -- On XX/XX/XXXX I bought my Car Finance Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX I have Auto payment SetUp with XXXX XXXX XXXX. 
Monthly installment directly deposited to XXXX XXXX XXXX on last week of every month. 
Monthly Installment {$790.00} Total Paid Amount : {$19000.00} No billing Statement received by XXXX XXXX XXXX. 

Without prior notice or any communication the XXXX XXXX stop taking the Installments from my Bank. I been trying to contact with the XXXX XXXX to understand the situation but unable to contact. 

On XX/XX/XXXX early morning I found my car is missing. I reported the Police as my car was stolen. And with the help of Law enforcement agency I later found my car was towed away by the Finance Company and getting ready for re-sale. The repositioning authority did not co-operate the situation. No letter or further was provided by the authority as of today. 

The huge emotional, social harassment and inconvenience is not acceptable to any customer. The is against the business ethics and violating consumer right. Please help and take necessary action. This will completely ruin my credit line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXX XXXX  a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX requesting that an inquiry by their company was on my XXXX Credit File that I do not recall authorizing requesting their company to please remove the inquiry. XXXX XXXX XXXX XXXX XXXX replied back by mail but did not send me proof on a contract bearing my signature.

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 2018-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
I've been working with XXXX XXXX XXXX since XX/XX/XXXX requesting a mortgage modification. I've faxed the modification request and financials to the mortgage company. While the modification request is in processing there is a property foreclosure sale date set for XX/XX/XXXX. I don't want to loose my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: SD

Complaint narrative:
I had XXXX XXXX internet service about 4 years ago, for literally less than two weeks. The service was not as promised, so we canceled it right away. Since then, I have been contacted by a number of different collection agencies regarding a bill of {$690.00}. I have disputed the amount and collection agencies over and over on my credit reports. It showed up again today. I do NOT owe this money, and the lady I talked to when I closed the account in early XX/XX/2014 assured me that my account had been credited to a XXXX balance and then closed with no further amount due. Today again, I see this showing up on my credit report with a new collection agency name ( EOS CCA/account number XXXX ). This account should NEVER have been sent to a collection agency at all for less than two weeks of service that didn't work and a XXXX out balance. The service not working correctly was why we canceled in the first place. I do NOT owe XXXX XXXX or any collection agency {$690.00}. XXXX XXXX should never have sold this account to any collection agency over 3 years ago. I spoken with XXXX XXXX today and they refuse to assist me with this matter at all. I am not paying a collection agency {$690.00} for a bill I was told was XXXX balance, especially for service that I canceled within two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I discovered fraudulent activity on this card in XX/XX/XXXX for {$220.00}. 
I contacted the company to report the fraudulent transactions with no resolve.

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 2018-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Oklahoma Student Loan Authority
State: NH

Complaint narrative:
On XX/XX/2018, I paid off one of my student loans ( loan 3, group C ) with OSLA. A few days later, I checked back to make on my account via the online interface to make sure that everything had gone through, and it had. I continued to make payments. On XX/XX/XXXX, OSLA sent me my quarterly account summary confirming that I only had one loan outstanding ( loan 1,  group A ). 

On XX/XX/2018, I logged back into my account and noticed that while the total amount of the loan was similar, it had retroactively been divided between Loan 1 ( a 5.3 % interest rate ) and Loan 3 ( a 6 % interest rate ), despite OSLA sending me documentation ( the quarterly account summary mentioned above ) stating that only Loan 1 was outstanding. 

On XX/XX/2018, I contacted OSLA 's customer service. The first person I talked to failed to acknowledge any problem and seemed to not understand what the problem even was ( she said, " well, the total amount is the same, '' seemingly not understanding that the interest rates between the two loans would have an effect. ) She passed me off to her boss who took a similar stance. They only agreed that there was a problem after I sent them quarterly account summary and screenshots of the payments that I made. 

I had checked my account a number of times between making the payment and XX/XX/2018 and all was fine. It seems that OSLA retroactively managed my account to disperse the funds in a manner that would benefit them ( specifically partitioning the money between the two loans ( 1 and 3 ). Their actions seem to define predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bepensa Capital, Inc.
State: NC

Complaint narrative:
Last week, XX/XX/XXXX, i receive a phone call from MR XXXX, who keeps on calling me, my co workers, step mom. Both of which he called multiple times, when he already received my phone number from them. He called me, i chatted With him XX/XX/XXXX, he said he worked for AFS acceptance, i told him i couldnt make his payment at that time, he was very rude, asking for family members numbers and my wifes number to call her for a payment. I also said, do not call my work nor my family. He told me he got my privacy offline from the internet. Today, XX/XX/XXXX, he called me while i was working, and i cant Use my phone at work, he does NOT leave a voicemail, nor a message. He immidiatly calls my family member and co worker again stating he cant get ahold of me. He needs to stop calling me and my family and conworkers. Its getting out of hand. He needs to stop contacting me. How could someone so rude work for a company like that.

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 2018-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: CA

Complaint narrative:
This was originally disputed when they contacted me last year. I was under eviction proceedings from XXXX. I had no idea, so as soon as I found out about it I hired an attorney and took care of it. The judgement was vacated prior to me moving out of the apartment. With the judgement being vacated, our lease was terminated and all obligations were therefore met. I had my attorney speak with Hunter Warfield after they refused sending me debt validation. He spoke with them in XX/XX/XXXX & XX/XX/2017  multiple times. They stated they were removing the account and it wouldn't be reported onto my credit report. I got a notification recently that as of XX/XX/2017 it is being reported to all XXXX bureaus in the amount of {$2300.00}. I have called repeatedly and they won't acknowledge anything unless they speak to my attorney. I have sent them multiple letters ( certified ) and emails with the order of the judgement being vacated. They are in violation of the FDCPA and not following the law. Please have them remove this from my reports as they have been in violation for almost a year. The next step is filing suit against them for violation and damages.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
XX/XX/2018 Co.Rushmore loan management services located in XXXX Ca XXXX. My name is XXXX XXXX from XXXX Illinois address XXXX XXXX XXXX XXXX XXXX. I called today asking for a A home equity loan or refinance this company couldnt provide neither one they said stop doing it in XX/XX/XXXX of this year XX/XX/2018. This Co.Never sent no email phone call or mail that they were stop providing this Service and didnt know if they were going to ever do so again something has to be done about this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXXXXXX XXXX a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.

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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXXXXXX XXXX a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.

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 2018-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I discovered fraudulent activity on this account in XX/XX/18, $ XXXX.I contacted the company without any resolve.

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 2018-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX requesting a Public Record on my File be removed from my report. which show up as a bankruptcy, along with a letter from the U.S court house stating that they don't report to third parties. The Bankruptcy isn't even under XXXX XXXX. Equfax stated to me over the Phone that the U.S Courts Reported the bankruptcy to their company I ask Equifax to provide me with the information from the U.S Courts the person from Equifax stated that the cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 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: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Mortgage payment was returned for NSF. When contacted Mortgage company to pay over the phone I was advised not to pay it. I was told the payment would go through a second time automatically. Contacted the Mortgage company a few weeks later to discuss the payment again. Was then told the Payment would not be pulled automatically and that I needed to pay it. Money was in the account waiting to be paid. The mortgage company reported a 30 day late to the credit bureau. It should have never happened. It was completely the Mortgage companies fault..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Earnest Inc.
State: IL

Complaint narrative:
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age. However, this is exactly what this company is doing because of not being properly qualified and being unprofessional, relying on automated systems vs. dealing with each lender personally, not doing due diligence in checking for all required documentation and discriminating consumers purely due to their misunderstanding.

First they harassed me with constant marketing mailers claiming that I'm pre-approved for the loan ( XXXX credit score, extremely healthy credit, no derogatory marks at all ). They then denied my application not based on my credit worthiness, but because they discriminate me based on my origin and because they don't have professional services in place to understand my immigration documents and moreover, failed to contact me prior to decision to ask for additional supporting documents. They claimed that my green card expired, even though at the time of application I attached the official stamped extension letter ( form I-797- notice of action of the petition I-795 ) received from the USCIS , stating that my green card and immigration status are in order. I also additionally attached form I-795 ( which is previous step prior to getting extension letter- form I-797 ). My immigration status is already set, and I already even got the approval for green card extension, and their automated system was asking for some other irrelevant form I-90 ( which in only requested after you had a card for 10 years. I had mine for 2 years only, which was shown on the card submitted, and in that case form I-I-795 is requested, not form I-90 ). That made me eligible to receive any type of loan in this country. They however failed to research into this ; didn't contact me to correct it ( never e-mailed me with specifics of question, never called me ; just updated status in the system rejecting my application ) ; thus illegally basing decision on incorrect information. I would not authorize a credit inquiry had I known that the company doesn't understand requirements for the documentation. Nowhere in their marketing attempts or rules do they state anything related to required documents, number of attempts they will make and their ways of handling such cases. And their lack of professionalism caused me damage ; created inconvenience, and made me waste my time while I was waiting for response for more than 3 weeks, not even talking about damaging my credit score. Even after that, they failed to communicate with me and call me to correct their mistake. 
Incredibly bad service. I'd like consumers and financial administration to be aware of that. They don't perform a due diligence prior to making decisions on loans, they fail and thus fail consumers and government.

Company response to consumer: Closed with explanation