vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
My name is XXXX XXXX XXXX, I have a VA loan that is serviced by loanDepot, XXXX. XXXX XXXX, XXXX, New Jersey XXXX. Customer Service telephone number : XXXX. 

When I purchased my home my wife was not on the loan. I would like to add her to the loan. 

On three ( 3 ) separate occasions, over the last 5 months I have called my lender, loanDepot, and have requested documentation from them so that I can add my wife to the loan. 

All three times I have been assured that I will be receiving the documents in the mail and it will take 5 to 7 days. 

I have yet to receive the documents. If they are sending them via the mail, it most certainly isn't to the address on the loan. 

I have called and the Customer Service Representative looks into the computer data base regarding my loan and finds no mention of my request or of the documents being sent. I have requested to speak to a Supervisor but none are ever available. 

My next step after this is to contact the VA regarding loanDepot 's lack of support for Veterans. 

I am curious as to the motive of loanDepot for not providing me the capability of accomplishing putting my wife on the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC
State: OK

Complaint narrative:
Credit report IS NOT REFLECTING THE DATE OF LAST ACTIVITY CORRECTLY date OF LAST CONTACT WITH CREDITOR WAS END OF XXXX BEGINNING OF XXXX

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 2018-07-23 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: Nelnet, Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
I borrowed {$300.00} from mypaydayloan.com. I was paying {$90.00} every other week to " extend '' the loan. I did this for 14 payments which equaled {$1400.00}, but still " owed '' them {$390.00}. This {$90.00} was only to extend the loan and was not being used to pay down any of the principal. This was not disclosed when the loan was applied for. I stopped payment on the payments in XX/XX/2018. I am now being contacted by XXXX at work, at relatives saying I owe them {$1000.00} ... how in the heck can I still owe them that much. Oh ... .penalties and interest of course!! How absurd ... what a sham and a scam! I would hate to see other people who are in need of quick funds get pulled into this wicked operation!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
I'm currently in Income-Driven Repayment under the PAYE program with XXXX  and the XXXX XXXX XXXXXXXX. I've been working for a 501 ( c ) ( 3 ) since XXXX and have verified my employer as qualifying for Public Service Loan Forgiveness ( PSLF ). On XX/XX/XXXX I requested a manual recount of qualifying payments toward PSLF as the number they currently have is inaccurate. Multiple attempts have been made to get updates on the status of this request without any response other than, " you'll have to keep waiting ''. It's been over a year now and I've lost any confidence that XXXX will be able to rectify this situation. I'd appreciate any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Bureau Collection Services, Inc.
State: SC

Complaint narrative:
I had XXXX at XXXX XXXX Medical Center on XX/XX/XXXX. I received my first bill the end of XXXX XXXX after which I called them and explained that I am only receiving {$320.00} a week on unemployment ( ended in XXXX ) and would need to make monthly payments until the bill was paid off. Since that phone call interaction I have made the following payments. 

XX/XX/XXXX {$100.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} I received a collection letter dated XX/XX/XXXX after which I contacted XXXX XXXX again and told them I was continuing to send them payments as agreed to earlier and did not understand why I would be sent to collections. 

Today when I got my mail, XXXX XXXX has returned my XXXX payment stating they are no longer handling my account. This seems illegal since I was making an honest effort to pay the debt. 

I have not received any further correspondence from the collection agency and my XXXX payment is not shown on the XXXX collection agency letter and was not returned to me so XXXX XXXX must have excepted it but did not apply it to my outstanding debt. 

XX/XX/XXXX XXXX XXXX amount due {$2000.00} XX/XX/XXXX CBCS Collections amount due {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: OK

Complaint narrative:
THE CREDITOR IS MISREPRESNTING THE DATE THEY LAST CONTACTED ME THE CREDITOR. I LAST HAD CONTACT WITH THIS CREDITOR IN LATE XXXX OR EARLY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have my automobile loan through BBVA Compass Bank. On XX/XX/18 and again on XX/XX/18 they withdrew my husbands truck payment twice out of our account, causing it to go into a negative balance. i have called BBVA and nobody was able to send the check back right then. They keep telling us it will be 7-10 business days. NOTHING has been sent to us yet. When we call them they always give us the run around about whats going on. I want my {$600.00} back that they took and will not return. Now the truck payment is due again and we are still out the {$600.00}. They through our bank account into the negative while we were on vacation and i was not around to do anything about it. it cost me {$60.00} in overdraft fees and another {$20.00} to transfer money. I will refinance this through another company. Also i spoke with a couple of different managers who all told me something different. This business is not professional at all!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I CALLED XXXX XXXX AND NOTIFIED THEM I WOULD BE CANCELING MY POLICY AND MOVING TO XXXX FOR A BETTER PRICE. THEY CONTINUED TO SEND ME A BILL EVEN AFTER i NOTIFIED THEM IN WRITING AND BY PHONE THAT I WAS CANCELING MY POLICY. THEY BILLED ME FOR THE LAST MONTH ON MY POLICY ANYWAY. I WAS INSURED BY ANOTHER COMPANY AND DID NOT WANT THE INSURANCE ANY LONGER

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UMPQUA HOLDINGS CORPORATION
State: IA

Complaint narrative:
Company ( XXXX XXXX ) is reporting owed amounts of {$30000.00} on my XXXX and my XXXX  reports. This is debt from an S-corp " XXXX XXXX XXXX XXXX XXXX '' from over 2 years ago. This is what I was told by the original creditor, XXXX XXXX XXXX. I have sent many documents to the credit reporting companies for dispute. They have recognized that this isn't a valid " personal '' debt. Because I was a signer for the Company XXXX XXXX XXXX XXXX  XXXX, they have been harassing me for the past 2 years. And just recently decided to attach this debt on my personal report, which I am still trying to figure out how they were able to do this without my SS #. After this debt is removed by the reporting agencies, they intend to keep reporting it over and over again. This is a violation of Federal law to falsely report on one 's personal credit when the original purchase was through a XXXX XXXX XXXX # for an incorporated business.

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 2018-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I went and spoke with the manager at the XXXX XXXX location in XXXX NC, due to I made a routine deposit ( My paycheck ) that Ive been doing for the last year every two weeks. My deposit went through fine on Friday XX/XX/XXXX. Saturday XX/XX/XXXX I checked my account and the deposit was placed on hold. So I went to the bank and the manager didnt call anyone, he didnt look up my account he just insisted there was nothing he could do. When I asked why and for him to look into the account or to call someone to figure out what was going on he replied if you were rich, this wouldnt happen Now I do lol Ive paycheck to paycheck like everyone else so that remark was uncalled for. 
He proceeded to have someone call to see what was going own, they tried to say it was with my XXXXXXXX XXXX XXXXXXXX XXXX XXXX. But I had copys from the bank and a statement from my employer showing that its not the case that the money cleared with them on Friday after the deposit. 
The manager then told me there is nothing he can do and he can not give me a reason as to why. I asked him to close my account and he refused then made comments about my age. My age has nothing to do with my account , st the end of it all he said if I didnt like the rules then I can go to another bank but they wouldnt close out my accounts. Once this matter is handled after me having to wait 3 weeks to get my paycheck, I will have bills over due and Bank of America can not give me a reason as to why when the check was cleared within less than 24 hours of my deposit so I will close the account once it clears and Ill never bank there again.

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 2018-07-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I have a debt that I owe to XXXX XXXX XXXX, which is an apartment community in XXXX, Colorado for an eviction. I owe {$4600.00}, which is not disputed. I want to make arrangements to pay because I figured out a solution in order for me to begin making payments. I recently checked my credit report and the balance increased by {$1600.00}. The collection company is " Hunter Warfield '', based out of XXXX, Florida. http : //ww2.hunterwarfield.com. Hunter Warfield has a business relationship with XXXX, I do not. I never agreed to ANY arrangement with Hunter Warfield, I do not have a business relationship with Hunter Warfield of any sort. If XXXX chooses to outsource this debt to Hunter Warfield, that is their choice. The {$1600.00} makes future payments for me unreasonably difficult, I will not agree to ANY interest or increase in balances owed. I will pay what is owed {$4600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: MO

Complaint narrative:
I have contacted Transunion, XXXX, and XXXX several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I

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 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery bought a debt I owed to XXXX XXXX. The last payment sent was to XXXX XXXX in XXXX. Portfolio Recovery has called me daily numerous times a day for around a year. They have called my parents, past neighbors, and anyone they think is associated with me. They have lied to the credit reporting agencies about the last payment date to keep it on my credit report. As I stated last payment made was XXXX, they are reporting I made a payment to them in XXXX which is an absolute falsehood. I have told them to stop contact, I have sent them a letter requesting them to stop contacting me, my family, past neighbors, past employers but it seems to be of no avail. Not only have they lied to keep their debt on my credit report, they are harassing me. Its been 11 years since I last made a payment, but they set it up so they could continue to harass me and lower my credit score until XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
I cancelled a transaction with moneygram and they promised to refund my money then locked me out of my acct and wouldnt let me back in and wouldnt give me a legitimate reason why and they sent the money to the moneygram in XXXX XXXX and then wouldnt give it to receiver so i cancelled it and i havent got my refund but yet they took my money the amout was XXXX dollars and XXXX for exchange fee the reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: IA

Complaint narrative:
I HAVE CREDIT INQUIRES LISTED ON MY CREDIT REPORT THAT ARE NOT MINE, I HAVE SENT A REQUEST TO TRANSUNION TO HAVE THEM DISPUTED, THEY FAIL TO DISPUTE THEM AND SEND A CANNED MESSAGE SAYING THAT I HAVE TO CONTACT THE COMPANY THAT PLACED THE INQUIRY. THIS IS A FCRA DISPUTE, FCRA STATED THAT THE CRA MUST INVESTIGATE ANY INACCURATE INFORMATION ON MY REPORT, TRANS- UNION HAS FAILED TO DO THIS. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX 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 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX bought a debt I owed to Capital One. The last payment sent was to Capital One in XX/XX/XXXX. XXXX XXXX has called me daily numerous times a day for around a year. They have called my parents, past neighbors, and anyone they think is associated with me. They have lied to the credit reporting agencies about the last payment date to keep it on my credit report. As I stated last payment made was XX/XX/XXXX, they are reporting I made a payment to them in XX/XX/XXXX which is an absolute falsehood. I have told them to stop contact, I have sent them a letter requesting them to stop contacting me, my family, past neighbors, past employers but it seems to be of no avail. Not only have they lied to keep their debt on my credit report, they are harassing me. Its been 11 years since I last made a payment, but they set it up so they could continue to harass me and lower my credit score until XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Greetings! I have recently filed a complaint with CFPB, case # XXXX, and have receive a very unclear response. Since the company in question, CITI BANK does not reply to my follow up, not XXXX XXXX XXXX has ever picked up the phone, I am submitting another letter with more precise follow up questions. 

To recap : my XXXX credit card application was denied solely for the reason of my citizenship and/or immigration status. 

XXXX XXXX, please, address the following questions with as much precision as you can to help me fully understand the reason for the inability of your company to continue with the process : 1. In your original letter, you mentioned that " due to the United States laws and regulations pertaining to transactions with or in XXXX ''. QUESTION 1 : what laws and regulations you are referring to? Please, cite names and numbers, if applicable, so I can familiarize with them. NOTE : I have never heard of any such U.S. laws as I presently have and had in the past credit cards with all major banks. QUESTION 2 : if such laws and regulations exist, are other banks exempt from them? 

2. I would like to clarify the actual reason for the denial. To my knowledge, the bank is NOT making transactions WITH XXXX, NOR IN XXXX. I am a private citizen and live in the US for many years, I am a resident of this country and pay taxed as a resident. The back of the letter you sent me explicitly states that ECOA prohibits discrimination based on many factors, including national origin, provided the applicant has the capacity to enter into a binding contract. In my opinion, my credit records do show my capabilities and trustworthiness, unless you can present a reason why you would think otherwise. QUESTION 3 : how come your sole reason for the denial is my citizenship/immigration status? Isn't that a direct violation of the ECOA laws? I say : look at my credit score, not my passport! 

3. I was speaking several times with CITI BANK representatives and have been told repeatedly that CITI does not discriminate, even though in my mind, this is a direct discrimination based on citizenship status. QUESTION 4 : to help me better understand the discriminatory policy, please, provide a hypothetical example, where your company would indeed discriminate someone based on the same factor. 

4. QUESTION 5 : does CITI BANK have a unified policy towards ALL applicants? What I mean is whether any non-US citizen or XXXX XXXX holder is not able to obtain a XXXX credit card? Or Ukrainian citizens are in a specific list, for which CITI BANK does not want to open accounts? 

Thank you.

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 2018-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Broward Adjustment Services
State: MA

Complaint narrative:
Ive sent Several letters to this company over the past 3 years and advised them that the debt was not owed by me and Im XXXX and not liable. Advised them that I am exempt from collection attempts under the federal XXXX act. As of the writing of this complaint Im still receiving multiple collections calls from different untraceable numbers from this company and adverse actions on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2018 i received a phone call on my mothers cell phone from Portfolio Recovery. They stated that if I did not pay that I would be sued. Collections agent kept switching her story between telling me that the statute of limitations had passed, and that it hadn't passed and I was going to be sued because the statute was not up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: MO

Complaint narrative:
I have contacted XXXX, Equifax, and XXXX  several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I

Company response to consumer: Closed with non-monetary relief