vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC
State: GA

Complaint narrative:
Today, XX/XX/2020 - XXXX XXXX from Capital Link Management, on behalf of XXXX XXXX, called my step-mother and my mother first before calling me and threatened me. I'm a realtor. My phone number is everywhere. There's no reason whatsoever that she called my family in the first place. But the to add salt to the wound, she told them that there is a Civil Suit, that XXXX is threatening to file to petition for a lien against me. I have no problem talking to someone about paying my debt, but that's a personal matter that I would rather not have anyone else know about. This caused so much grief and strain. 
Also, I've received zero correspondence about the matter. Nothing written or otherwise. XXXX  asked for my email to email me, but I haven't received anything there either. I pulled my credit report and there is no evidence that XXXX has my debt to begin with. How do I know this isn't a scam? 
I asked XXXX what it is that XXXX  wants and she said they'd be willing to drop 80 % of the debt. When I asked her for a dollar amount, she told me they'd settle for {$6700.00} of the {$8400.00}. She had it screwed up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have been paying steadily on my student loans for 4 years now ( never missed a payment, I am now XXXX ) via auto-pay. The Fall 2019, I went back to school XXXX. 
Nelnet ( without my authorization or knowledge ) automatically placed my loans in Deferment and I haven't been paying on them for 5 months. I do not check my nelnet account often -- as I've always had auto-pay and have never had to think about it. 
They collected about {$100.00} in interest ( I realize this is minimal ... but its about principle, not the amount I'd like to recover ) during this time while I was unaware of my deferment status. 
After contacting them, they essentially said 'too bad, there is nothing we can do '. 

They put me in deferment, without ANY authorization of any kind, and didn't notify me of this change ( mail or email ). What absolute shady " company '' can legally do this, make money off of me without my knowledge, and then have ZERO accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I HAVE DISPUTED AN INACCURATE BANKRUPTCY WITH EXPERIAN SEVERAL TIMES. AFTER THE INITIAL DISPUTE THEY INFORMED ME THAT THE BANKRUPTCY WAS VERIFIED, AND IT WAS VERIFIED THROUGH XXXX XXXX. WHILE DOING MY OWN INVESTIGATION I CONTACTED THE BANKRUPTCY COURT & XXXX XXXX DIRECTLY. AFTER REVIEWING MY XXXX  XXXX  REPORT IT STATES THERE IS NO RECORD OF ANY BANKRUPTCY FOUND. I RESUBMITTED MY DISPUTE WITH EXPERIAN AND ATTACHED ALL OF MY SUPPORTING DOCUMENTS WHICH STATES THERE'S NO BANKRUPTCY FOUND. I ALSO DISPUTED THIS WITH XXXX  AND XXXX, AND BOTH BUREAUS REMOVED THE INACCURATE BANKRUPTCY. I THEN PROVIDED EXPERIAN WITH MY INVESTIGATION RESULTS WHICH SAYS THE BANKRUPTCY HAS BEEN REMOVED, AS WELL AS THE XXXX CONSUMER DISCLOSURE REPORT FROM XXXX XXXX. AFTER ALL OF MY SUPPORTING DOCUMENTS THEY HAVE YET TO REMOVE THE BANKRUPTCY AND IS LYING SAYING THEY VERIFIED THE PUBLIC RECORD.

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 2020-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
This is actually the second sale of my home. The first was in XX/XX/XXXX and was later rescinded via court order ( I have that paperwork ). It was given back to me due to errors ( which I argued to be an illegal foreclosure ) in the modification process. 

I was then allowed to complete another modification. I completed said modification and was approved. After numerous calls to the mortgage servicer, asking for my modified payment amount and being told to wait as they figure it out, they again sold my home on XX/XX/XXXX. 

I was referred to Legal Aid via a community resource. I contacted them in XX/XX/XXXX, explained my situation and was told it would be reviewed and someone would get back with me. After months of waiting and hearing nothing, I reached out to Legal Aid and was told my case had been closed due to them only having enough resources to help 1 out of 3 people. 

There were so many errors, wrong information and failures to communicate throughout this process. I am now literally a month away from losing my home of 22 years. 

If there are any attorneys or agencies available to help me keep my home, I would forever be in your debt. All of this began when I became ill and unless I have help, I will lose my home, as I can not fight this corporation alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to report delinquency with XXXX XXXX when none exited. XXXX XXXX  had a system platform update and my account was never transition to the new platform. Therefore, the reporting created by XXXX XXXX was an admin error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I sold my home on XX/XX/XXXX. My loan with Freedom Mortgage was paid off in full on November 5, 2019. I have not received my escrow refund of {$2100.00} yet, and it has been almost three months. I have tried resolving this issue with the company several times. 

I was initially told that my mail was being returned undeliverable. I contacted my local post office and was told that this was not true. I received mail every day to the same address Freedom Mortgage had on file without issue. Freedom Mortgage never provided me with any proof that a check was ever mailed out or returned undeliverable. 

I then provided Freedom Mortgage with a different address to send the check to and I was told that I would receive it within 7-10 business days. I have not received anything. I spoke with a supervisor again today ( XX/XX/XXXX ) and was told that it still had not been mailed out but it would be and they would try to put a tracking number on the package. 

Each time I call I receive a different answer as to when I should be receiving my refund. The customer service representatives have been extremely rude and unhelpful.

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 2020-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
After filing a complaint on yesterday with CFPB in regards to repeated phone calls and a cease and desist, I received a response from CFPB this morning in which the company stated that they have ceased calling my family and friends and will continue to call me. Well, that has been determined to be a lie. All 3 of my references received a phone call on today, XX/XX/2020 but I, personally did not receive a call. I called the office and told the lady that I would call in everyday that way she did not have to call me and she stated that she still was going to call me and all of my references EVEN IF I call the office each day until payment is made, which makes no sense if I have already informed them by calling of the status of that payment. This further proves my harassment claim. The fact that they would blantantly lie to a government agency speaks volumes for the moral of this company. I do not understand their obsession with defrauding the government by providing information that they knew was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
For the past three years this has been going on Synchrony Bank opened a Car Care account in my name mailed the card for undisclosed location that cause was used and has a balance on it no as it shows on my credit report I tried to contract Synchrony Bank several times and ask them one single question please send me the paperwork and application that was submitted I have yet to receive that every time I sign an Affidavit of not using the count Synchrony Bank opens a fraud investigation for the past 3 years this has been going on Synchrony Bank opened a car care account in my name mailed the card for an disclosed location that cause was used and has a balance on it no as it shows on my credit report I tried to contract XXXX XXXX  several times and ask them one single question please send me the paperwork an application that was submitted I have yet to receive that every time I sign an affidavit of not using the count Symphony bank opens a fraud today everytime they come up with a different reason which shows that they don't even know what's going on please help me remove this fraudulent card from my credit report as it is constantly making my score goal like a yo-yo I never applied for this card never use this card send them affidavits to

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 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
The company was totally incompetent at handing off the process from one person to another. Any response I had to a request for information from them took days to respond to. Despite being told that I will be out of the country and need a POA, I wasnt notified until the night before the closing that the POA has to be a relative and I was not given a reason. The closing company was surprised by that requirement as well. Despite being told that the closing was XX/XX/XXXX from the beginning and that I will be in flight/transit on the day of closing and would need to wire money the day before, I did not get a final closing disclosure with the final amount. The one I did get was very different than the final one. The closing company was waiting for better.com to send them documents and were extremely delayed. 

They kept changing the terms of the loan regularly. and any updates from me would not get logged or anyone at better.com notified about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: NM

Complaint narrative:
I tried to do a money transfer on the Sunday the XXXX when they told me it would take one to four business days I told them forget about it well since I'm a customer and they had my account number they went ahead and processed it anyway I called up immediately and they canceled it and said the money will be returned to me immediately now I'm going on day 4 The amount was {$560.00} this is on Sunday the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
Today XX/XX/20 I received a call from CONVERGENT on behalf of XXXX XXXX Phone # XXXX.They asked me for my Social and when I refused they then ask for my PIN # for my XXXX acct . I refused that as well as XXXX has inform me to never give that info out. The call said that she would not be able to give me any info if I would give verify acct. I don't not have an account with Convergent. I do have an account with XXXX and I called them and all my accounts are paid and up to date. I also have not received any documentation in the mail from this company. I asked the call to mail me a debt verification and she said she had to end the call now.

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 2020-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a phone call from Macy 's saying someone was trying to increase my line of credit using the terminal at a store in XXXX XXXX CA using my social security card. I was told they tried to charge XXXX of merchandise, which I was able to stop. Card cancelled However, I received my Bloomingdales statement and saw over one thousand dollars of merchandise charged at two different locations using my social security number and reported this as identity theft. Bloomingdales requires me to file reports in order to stop me from being charged. The stores my SS was used are not in my area, and I don ; t know how they were able to use without an ID check. My concerns is that they have a fake Drivers license and this makes it easier. 
I have put a report into newly subscribed XXXX XXXX, but these charges were made prior to my getting this protection.

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 2020-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my wife XXXX XXXX received a text from XXXX saying that " I ( they ) need a call from you ( my wife ) today XXXX XXXX there is an urgent matter we need to discuss ''. I called the number from my phone and spoke to XXXX from XXXX XXXX. He said there was a payday loan from Advance America from XXXX for {$510.00} that they were willing to settle today for {$400.00}. I told him that I wish to dispute this as I do not recall having had such a loan, although my ex-wife did take several loans from Advance America. He said I would have to dispute this directly with Advance America and that XXXX XXXX would continue with their collection efforts including adding this to my credit file. When asked, he refused to give me their address for me to mail them my dispute since I received nothing from them in writing. He said he needed to put me on hold to get the number to Advance America, then he disconnected the call. I immediately called back and he picked up and disconnected the call again. I called again and spoke to another rep ( a female whom I can't remember her name ). She gave me the address when I asked for it but when I asked to speak to a Manager the call was disconnected again. I called from my wife 's phone and spoke with a female named XXXX. She said she would not be able to give me the number to Advance and that I would have to find the number online or by another means, that they would not be sending me written notice because they sent it to an address I moved away from in XXXX ( even though all address changes have been submitted to the United States Postal Service ), and that XXXX XXXX would proceed with processing this as a collection against me even if I dispute it with Advance America. When I told her that I wanted to speak to a Manager, the call was again disconnected. I still have nothing in writing and no reference to this supposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: CO

Complaint narrative:
Transunion is reporting incorrectly a collection in the amount of {$500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX XXXX in search of an internet provider. I was talking to a customer service agent and the telephone call was disconnected before I could give them any credit card information. I tried calling back and was routed to an overseas help desk and I was unable to understand what the representative was asking me. I asked the representative to transfer me to a supervisor. They were unable to transfer me to a supervisor. I then asked the representative to immediately cancel any service I allegedly signed up for. I was not aware, since no money was exchanged, that they could just send me to collections for an account I did not agree to open up, and had specifically asked to be cancelled. I never received any statements and consequently had no knowledge that this account had gone to collections until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the  bureau to remove this however, I have not been successful.

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 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
During the afternoon of XX/XX/2020 A man showed up at an apt where my wife and kids live located in XXXX XXXX, FL. No uniform, no id, no logo on shirt. 

This is a private enclosed residential development and unexpected visitors must use the internal phone system to contact residence. My XXXX  small children and wife reside at this apt because random people are not allowed to just walk around or enter and knock on peoples doors. 

This man was not in uniform, did not disclose or share his name or state who he represented. Neither did this man furnish any form of official identification. My wife simply described the man as an Older XXXX XXXX Man. 

My wifes first language is XXXX  and she has difficulty understanding English. All my wife can tell me was that a man from the court possibly a police officer came to the apt demanding I show up in court. I know that police and court houses do not work this way. This individual also asked for her name. 

This individual left my wife with a bundle of uncertified ( No original county or state seal ) papers for a XXXX XXXX credit card and some from the XXXX XXXX county courthouse. 

I searched using my name and found a case, however ; based on the dollar amount from the XXXX papers I suspect that this case could be fraud/incorrect or some kind of collections scheme.

I have had issues in the past with collections, however ; this is the 1st time an un-uniformed man shows up where my wife and children live ... what seemed to be impersonating a county worker or law enforcement officer. ( This is how my wife described the individual and their conversation ) The only people who show up where my wife lives unexpectedly are XXXX, XXXX, XXXX, and her friends. Everyone else uses the phone system or calls before they come. The apartment development is private property. 

What if a criminal or a delinquent decided to impersonate a debt collector, officer or county worker, and raid the apt or XXXX one of my children? 

I am writing this letter because ... I have difficulty believing this type of activity/process/procedures are endorsed by the Police of XXXX XXXX and the County of XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX is behind this they were trespassing, impersonating to be gov employee or officer and harassing my wife.

I have asked my wife three ( 3 ) times what the Mans name was, and she can not tell 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 2020-01-29 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: TX

Complaint narrative:
My name is XXXX XXXX and I have been working on things reporting on my credit file that are not accurate with all three bureaus. For some reason TransUnion is the only one that still have not corrected a huge mistake. They are reporting XXXX XXXX XXXX   XXXX as a paid repossession and that is NOT CORRECT. I have personally spoken with the bank and they indicated that it should not be listed as a Repossession.  The worst rating was 60 days late and it was paid in full. I have requested on several occasions for this to be corrected!!!!

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 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received a call about a missed payment, which was an oversight on my part. Talked to a rep from Citibank and discussed about getting the payment plus late fee and my next payment sent in by a certain date. I am still getting calls from them about my payment and the date we set up which I believe was XXXX XXXX hasnt arrived yet and I said I planned on paying it before then. Was told by the rep shed make a note of the payment being sent in and on what date. Not sure why Im still getting called about this then.

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