vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Worldwide Processing Group, LLC
State: FL

Complaint narrative:
I have been receiving as many as ten calls a day from various XXXX area code numbers. I called back and was told the agency was collecting on behalf of XXXX XXXX. I told the agency that I had nevery heard of XXXX XXXX and I wanted to see a copy of the contract. The said they could not produce a copy of the contract. I asked the agency to stop calling me as is my right under FDPCA and they refused. I asked the name of the agency since that information wasn't provided in any of their voicemails and they reused to provide either the name or address of the agency. When the agency called me today I asked them to send me a letter since was my only method of finding out who they were. They sent the letter which has an address from at least six years ago. Again I don't knw who XXXX XXXX is. from : Forward Movement Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Payment Arrangement I would be happy to provide a copy of the letter. I happen to be in the collection industry and the agency 's failure to provide me with documentation is an FDPCA violation. 

Again, I do not know who XXXX XXXX is and this agency refused to provide any documentation. The agency has a six year old address and I have not received any written notices. The balance letter the agency sent me does not have any language that complies with the FDPCA rules. This is the sort of tactic that in my opinion the CFPB was created to stop. 

Thank you XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received notification from Lowes that my credit account was closed even though it was in good standing, never missed a payment and actually had a payment scheduled for 3 days after they closed it. I will still continue to make the payments because the balance will be paid off after the payment that's scheduled for Friday and I have already scheduled the one for XX/XX/XXXX. I am concerned because my credit score dropped because if it and they had no good reason and gave no warning. All they said is that I could reapply

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 2018-06-21 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: GA

Complaint narrative:
There is a XXXX bill on my credit file and it does not belong to me. I did not authorize this account to even be open and it was suppose to be deleted from my report. This is weighing negatively on my report and hurting my score

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 2018-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: NY

Complaint narrative:
NCC is calling my home and leaving messages over many months to collect a debt not owed by me or any of household members. I contacted them many times but they keep bothering me and leave voicemails for person who is not a member of my household. They fill up my voicemail with message and call with different names, location and fake caller ids.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: National Credit Systems,Inc.
State: IN

Complaint narrative:
Please see the attached letters from the Federal Trade Commission. I request that the accounts of XXXX XXXX and XXXX XXXX be immediately from my XXXX, XXXX, and XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On Tuesday XX/XX/2017 I transferred funds from two joint checking accounts at First National Bank ( FNB ) to a personal checking account making the AVAILABLE balance in the personal checking account {$15.00}. I then made a purchase for {$15.00}, leaving a positive balance in the account of {$.00}. The next day both of the transfers and the debit card purchase were showing a pending and the account was showing an overall balance of {$.00} but I was also charged an overdraft fee. Credits are posted to the account before debits so the transfers were credited before the purchase and the purchase is still showing as pending. I contacted the bank to request a refund of the overdraft fee but was told the funds were not available at the time of the purchase. However, FNB policy is that transferred funds are available immediately, credits are posted before debits and again, the funds were showing as AVAILABLE. If the funds are not available then they shouldn't be included in the total available amount listed online. This is deceptive and is a way for the bank to obtain more overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: SD

Complaint narrative:
I applied for a short term loan online XX/XX/XXXX at the website for Big Picture Loans. I did not receive any details about the loan but the money was credited for {$850.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I thought I had paid off the loan but was still getting notices about upcoming payments. I requested that Big Picture Loans revoke my ACH agreement and asked for the payoff balance. 

The online account screen shows I still owe 8 more payments of {$200.00}. That would make a total repayment {$2600.00}. That is nowhere close to the cap of 36 % I expected. 

I have already paid {$1200.00} in payments but they say I still owe the full 8 more payments. The payments I have made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX should have been enough to payoff the loan, instead they claim it only reduced my principle by {$45.00}. That is not possible! 

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/2018 along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 550 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I am a resident of South Dakota I had no idea they would be able to charge over 550 % interest. I do not live on their reservation, but they say that they do not follow federal or my state laws, that I am subject to their tribal laws. 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am requesting that Transunion immediately remove XXXX XXXX from my credit report. Please see the attached report from the Federal Trade Commission, and the letter I have sent to 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 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
On XX/XX/2013 I was highly pressured into buying an over priced used vehicle with a {$1000.00} down payment on a {$19000.00} installment account from XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). Shortly after entering the agreement and without warranty I found out that the car in question was on recall for a faulty motor and after paying for repairs I fell behind on the payments causing severe late fees and interest ultimately resulting in repossesion of the vehicle. There was no offer to deduct fees or interest on late payments in an attempt to get the account in a current status. After selling the vehicle to another person, the balance of the sale was charged to me by a collection agency in the amount of {$10000.00}. This has affected my credit score greatly and damaged further attempts to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I have had to defer my payments due to no income and a chronic health issue that has prevented me from being able to find employment at this time, I need some other options that are legit and not scams in order to be able to defer my payments out longer than the few months that the online deferment allows me to do until I am able to return to work, this has really stressed me out and according to my Dr 's they have advised me to go on this website to see if the Consumer Finance Protection Bureau can advise me of other options that are legit or reduce my payments to the very minimum until I am able to return to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prosper Marketplace, Inc.
State: DC

Complaint narrative:
An individual by the name of XXXX XXXX called my employers corporate headquarters in XXXX ( I live in XXXX XXXX ). When corporate let me know, I had them transfer XXXX to my direct line. He wouldn't let me off of the call after repeated attempts to tell him I needed to call from my cell phone. He was extremely hostile and misstated multiple facts about my debt and situation, and told me that if I don't give him my payment information right now, he would sue me. I repeatedly told him that I know my rights under the Fair Debt Collection Practices Act and each time I brought that up, he would cut me off and keep trying to get me to give him my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a payment arrangement with XXXX XXXX on a delinquent account ( XXXX ) .XXXX XXXX has received 4 payments on time of the 6 payment arrangement.I have 2 payments of {$79.00} in XXXX and XXXX for completion of the attached agreement.In the agreement, under the heading '' What you need to know ... '' it says '' in accepting this settlement we intend to discontinue collections. " AND " Your payment ( s ) are confirmation of this arrangement. " YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGE-OFF WITH NO NOTES OR INDICATIONS IN THE CREDIT REPORTING OF THE AGREEMENT! DOES XXXX XXXX THINK THAT ALL CONSUMERS ARE STUPID? THE REPORTING AS IT STANDS TO ALL 3 BUREAUS IS INACCURATE AND INCOMPLETE PER FCRA AND IS DEFINED AS A COLLECTION EFFORT BY THE FCRA! I HAVE NO FAITH WHATSOEVER THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '', SINCE THEY ARE NOT HONORING THEIR AGREEMENT NOW, YET, I WILL MAKE MY FINAL TWO PAYMENTS AND KEEP MY END OF THE ARRANGEMENT AS AGREED.THIS ACCOUNT WAS DISPUTED RECENTLY BUT ONLY SUCCEEDED IN GETTING XXXX XXXX TO UPDATE THE PAYMENTS MADE, WHICH THEY WERE NOT DOING ( FCRA ) .EVERYONE KNOWS THE FACT THAT XXXX XXXX STEALS FROM THEIR CUSTOMERS UNTIL LAW ENFORCEMENT CATCHES THEM.XXXX XXXX IS CROOKED FROM THE EXECUTIVE OFFICES DOWN TO THE BANK WORKERS.THE CFPB HAS CAUGHT XXXX XXXX ONCE MORE UP TO NO GOOD AND HARMING CUSTOMERS AND VIOLATING LAW.

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 2018-06-21 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: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
I am requesting that XXXX immediately remove Honda Finance from my credit report. Please see the attached report from the Federal Trade Commission, and the letter I have sent to Honda Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: HW Holding, Inc
State: IN

Complaint narrative:
I am requesting the Hunter Warfield remove the account of XXXXXXXX XXXX XXXX XXXX from my XXXX and XXXX account. Please see the attached report from the Federal Trade Commission.

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 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Recovery Solutions, LLC
State: AL

Complaint narrative:
Representative of firm called Consumer Recovery Solutions, name of rep XXXX XXXX, phone number XXXX, called to attempt to collect on an overdrawn checking account from XXXXXXXX XXXX, overdrawn in 2010. Original overdrawn amount was {$130.00}. Was attempting to collect {$700.00}, and threatened that their firm has attempted a court summons recently, though he could not say when. We have received no mail, or any other notification, of the overdraft or the attempt to collect. He referenced a case number, XXXX. We initially agreed to pay, but moments later, changed our mind. Our bank told us that to fully cancel the transaction before it took place, we would need to close the debit card fully that we provided to them. This is a damage to us, and we will be without the debit card. We have suffered significant emotional stress due to this call, and this entire ordeal. When I attempted to contact this firm, I did speak with the rep, XXXX XXXX, and told him we wanted some paper form of the original debt and who it was owed to, and told us we would not be provided that information, then abruptly hung up the phone.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: MA

Complaint narrative:
I am a Massachusetts XXXX. 

On XX/XX/XXXX I was the settlement agent for a closing at XXXX XXXX XXXX in XXXX, Massachusetts. 

The lender was Fairway Independent Mortgage Corporation ( NMLS ID # XXXX ). 

On XX/XX/XXXX I approved the lender 's CD. 

I closed using the agreed upon CD and disbursed funds accordingly. 

The next day I was contacted by XXXX XXXX. She works in the lender 's post-closing department. 

( Her address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MA XXXX. Her direct line is XXXX. ) XXXX informed me that the CD signed at closing was not the final CD. 

The numbers were accurate. However, the lender intended to send the CD again labeling it " Final ''. 

I informed XXXX that I could have such a CD signed and sent back to her by the end of the day ( XX/XX/XXXX ). 

She refused. 

Instead, she insisted that the loan re-close. 

This will cause serious financial hardship for the borrowers. 

I ask that the CFPB investigate the matter. 

Closing documents are often resigned after closing and it never requires the loan to re-close.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I owed XXXX XXXX for equipment I mailed it all back and paid the final bill the collection agencies will not take it off my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX SENT A NOTICE ON XX/XX/XXXX STATING THAT WAS REPRESENTING DISCOVER BANK TO COLLECT A CLAIM AGAINST ME FOR $ XXXX.I SENT XXXXXXXX XXXX XXXXXXXX . A LETTER US MAIL ON XX/XX/XXXX DISPUTING SAID DEBT, OR ANY PORTION THERE OF.NO RESPONSE FROM XXXX..ON XX/XX/XXXX I SENT ANOTHER LETTER TO TO XXXX DISPUTING SAID DEBT. ON XX/XX/XXXX XXXX FILED A CIVIL SUMMONS AGAINST ME {$1800.00}. I FILED A REQUEST ON XX/XX/XXXX FOR DOCUMENTS IN CONNECTION WITH THIS MATTER.ON XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX.DENIED ALL REQUEST FOR DOCUMENTS. STATING REQUEST SEEK TO DISCOVER INFORMATION, DOCUMENTATION OR TANGIBLE EVIDENCE PROTECTED FROM DISCLOSURE BY ATTORNEY-CLIENT PRIVILEGE .XXXX  STATES THAT MY REQUEST FOR DOCUMENTS AS IMMATERIAL, IRRELEVANT, AND TO BURDENSOME.WITHOUT INFORMATION OR KNOWLEDGE SUFFICIENT TO FORM AN OPINION AT TO TRUTH OR ACCURACY OF CLAIM. ON XX/XX/XXXX XXXX FILED A MOTION FOR JUDGMENT .WITH OUT A HEARING.ON XX/XX/XXXX XXXX GOT A  JUDGMENT. WITH OUT A HEARING BY DEFAULT .STATING I DIDNT RESPONSEIN A TIMELY MINNER .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I recently discovered, quite by accident that attached to my PayPal account there was something that PayPal set up without my signature or application ( at least they have been unable thus far to provide any proof that I had applied for this account so it is much like the XXXX XXXX situation ) and placed charges on this account at a rate of about 25 % interest. The account was associated with my PayPal account but the billing address was an address that I had not occupied for several years. The way I found out about this account was that I had closed my old account associated with my PayPal account and started getting three to four calls a day badgering me to make my PayPal Credit payment. I was on vacation at the time and I thought that somehow I had {$310.00} of unpaid PayPal transaction that needed to be paid so I paid it from my new account. UPon investigation when I returned home I learned that it was " payment on my PayPal Creidit Account with 25.49 % interest. '' I was genuinely confused and contacted customer service and have basically been given a lot of vague answers. They could not provide me with any specifics like an application for the credit or anything like that instead they told me to go through transactions. 
The problem I have is that I do not recall applying for this credit or authorizing charges with it. I have used PayPal delay pay ( pay for something after it is delivered ) and split charges ( paying for items in multiple payments but not as a credit card or credit line but as two separate cash withdrawals ).

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 2018-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
On XX/XX/2013 I was highly and predatoraly pressured into buying an overpriced used car. After entering into an installment loan in the amount of {$19000.00}, I shortly thereafter found out that the car was on recall and by paying to repair the car I fell behind on payments and could not remain current on the payments ' late fees and interests ultimately resulting in repossession. After the repossion an agreement was made with the original creditor that no further payments would be made and no further billing from the original creditor was done. However, after the sale of the faulty car I was billed for the balance of the sale in the amount of {$10000.00} by a collection agency and they have continued to report to the credit bureaus monthly and in turn this information is being reported to credit reporting companies greatly impacting my credit score and ability to obtain credit. I disputed this adverse account via FCRA but it remains on all 3 major bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: AZ

Complaint narrative:
My are trying to pay off the Reserve Mortagage loan with XXXX  on my father 's house. 
XXXX  keeps charging us fees for monthly property inspection, and now wnat sto charge us {$420.00} for Payment of Attorney Fees and {$40.00} for Property Inspection right before our house closes on XX/XX/XXXX 

In order to avoid any foreclosure problems, or any additional late fees with my Father-In-Laws Reserve Mortgage, I requesting that XXXX provide us, my Real Estate Agent, and Probate Attorney with detailed written instructions of what your company requires, and the time frames it requires them. 

They continue to use confusing verbal instructions with us, and omission of critical information, and due dates, which is causing us much unnecessary stress, therefore, I formally requesting written instructions with due dates, listing any required support documents from XXXX.We did not get a response back until XX/XX/XXXX. 

I wanted a check list that we can easily following in order not to miss any of their requirements, thereby causing XXXX  to charges us any extra fees. 
I requested this written instructions in accordance with the Americans with Disabilities Act since I am XXXX XXXX.

Company response to consumer: Closed with explanation