vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I want to file a complaint against Ally Online bank because they're not removing or giving me the opportunity to make monthly payments on a debt that was brought up by scam. About XX/XX/2019, I was trying to apply for a job on the XXXX  website and I applied for XXXX XXXX. I didn't realize that it was a scam because it came from the XXXX  website itself. A person named XXXX XXXX from XXXX contacted me and stated that prior to employment, I would have to do a couple things for them. They sent me 3 checks that they told me I had to cash. In addition, this person told me to buy a couple things for them such as an XXXX gift card to help with humanitarian aid. I bought it and then they asked me to send them the code and then to purchase an XXXX gift card but I thought that sounded a bit peculiar, so I didn't proceed. By this time, my bank Ally Online and their Fraud Department, took the money that was sent to me and put my account under a negative status of $ XXXX. Ally 's Fraud Department called me and said that I was scammed. I was later sent a letter stating that if I didn't pay it all in 30-days, I would be put on XXXX. I called Ally today, XX/XX/2019, and they said that I was the one responsible for paying all of it off. I asked Ally, since I'm the one who has to pay it, if I was able to make monthly payments, so they would not send me to XXXX. However, they said that I could make payments but they would still send me to XXXX. I feel this is an injustice and unprofessional because I am a victim of fraud/scam and are willing to take care of my balance but would like a monthly payment plan and to not be sent to XXXX. I would like some assistance with this matter. I am XXXX  years of age looking for work to help my parents at home. My family is very ill, and I feel this is the reason I was taken advantage of. Please assist me in any way possible with the Bank. I do not want my record to be damaged by this incident.

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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX i received a letter from this collection agency about a townhouse i moved out of saying i owed XXXX dollars they are saying i renewed the lease and broke the lease early when infact i moved out when my lease was up and told them months prior i would not be renewing the lease i sent all this information including copies of all communication with XXXX XXXX XXXX showing that i terminated the lease well before the 60 days they still put this collection on me and my wifes credit reports causing my scores to drop this is illegal according to my lawyer who i have contacted i have sent this collection agency 3 letters now as well as emails showing the debt isnt owed and all they send me back is a copy of my lease saying automatic renewal when this cant be the cause because i terminated the lease almost 5 months before the lease was up so i am still owed my XXXX dollar deposit from XXXX XXXX XXXX that they are refusing to give back to me on top of them putting a bogus XXXX dollar collection my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We were going through XXXX to complete our modification, we turned in all necessary paperwork only to be called from our XXXX XXXX in the beginning of XXXX saying that we were being denied due to not having enough employment because when we first submitted the file I was on unemployment and during the process began working but with a decrease in pay. All of my pay stubs were submitted since XXXX of this year. Our XXXX representative had to submit the documentation all over again. In XXXX, we received a escrow refund check and was able to pay our XXXX mortgage with those funds not knowing that if the account was current, the modification could not be done. I received a call from our XXXX representative on XX/XX/XXXX with the bad news that since we paid our XXXX mortgage, we couldn't receive a modification. I explained to her that this is unacceptable, if the modification was completed correctly the first time before we ever received an escrow refund, our modification would have been approved and that it wasn't our fault that the documentation was there but the rep at Shell point neglected to double check the pay stubs or even ask. The reason I received was that she thought the pay stubs from XXXX until XXXX was unemployment when the pay stubs clearly state my employers name XXXX XXXX XXXX. So now we have to continue trying to pay the mortgage due to someone else 's mistake and in addition we never received the documentation of not being approved the 2nd time so that we could appeal the decision. Shell point doesn't want to work with their borrowers when they are experiencing hardship and it's a shame!!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Machol & Johannes, LLC
State: WA

Complaint narrative:
Well it certainly would have been nice to get a response long before now from XXXX XXXX. It would have alleviated a lot of undue stress that I didn't need to have. Received a response finally from XXXX -- I was attempting to tell you that something was amiss on your end. I just got the same info I already knew recited back to me. It always boils down to something I did, not that something may have gone wrong on your end. 
I was never notified that the account was going to charge off. You recite dates like I should have known all of this already. That is something that you say this new attorney got the account on XX/XX/XXXX when I didn't receive the note from XXXX XXXX XXXX until XX/XX/XXXX ( dated ), and I didn't receive the letter from THEM until XX/XX/XXXX ( dated XX/XX/XXXX ). You have to understand how confusing all of this is for an average person, this is not my life ( unlike yours ). It sure would have been nice on your end to clue me in before now. 
Apparently the note from YOUR attorney XXXX XXXX XXXX is not going to be honored. Seems extremely deceptive to me since they are apparently lawyers. They told me the issue was closed. I believed them since they were lawyers YOU hired. Seems deceptive and unfair. Can't believe ANYTHING that comes from your end. You don't honor anything, even letters that come from your OWN lawyer. I was tricked and deceived. 
I have been treated extremely unfair by your company. I am sick of the stress.About the checks you refused, I sent you a copy of the checks front and back in the complaint I sent. Did you not even bother to look at the attachments? So anxious to tell me NO on everything that you didn't read everything? Also sounds unfair. 
Like I said, I have no job, am unable to get a job, and have no money. This attorney you hired deceptively got me into a Payment Plan that I can not do or afford. I want to start paying on this, so since YOU hired them could you PLEASE tell them to stop the payment plan and I would like to set up one with you. Please call off them. I am fearing for my life with them sending me threatening letters and I want them out of my life. Can I please just set up a payment plan with you and could you drop the lawyer? Since I have XXXX income ( and XXXX XXXX has already zapped every XXXX of my savings ) I would like to do {$150.00} or more per month starting XX/XX/2020, and due on the XXXX until it is paid off. Please I can not afford what that lawyer intimidated me into. Please email me back, and please give me a prompter response than this time? Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Suffolk Consulting Group Inc
State: NJ

Complaint narrative:
We were solicited by a company called XXXX XXXX XXXX. They called us and told us that they would be able to lower our monthly payments by restructuring our debt. We were told that they had an attorney on board for our protection. We signed up on a Friday. Things went very fast and they were very persistent and aggressive. They asked us if we could wire them our down payment for the program. We decided not to do that and knew that if things went sour we would never be able to recover our funds via a wire transfer. I should have known then something seemed shady. After doing our research about the program over the weekend we decided the program really wasn't for us. They told us on our confirmation call on Monday that we were not able to speak to their supposed attorney and we were coached to stop paying our bills and default on our loans. In addition we were told to stop picking up our creditors ' phone calls. That is exactly what my partner and I did NOT want to do. We were told a lot of things on that Friday to get us to sign up that just didn't turn out to be the case. We never wanted to stop paying our bills and not pick up the phone when our creditors ' called. In the state of NJ, you have 72 hours to rescind a contract. On that Monday, after our confirmation call we realized the program was not what they said it was so I immediately e-mailed them asking them to cancel the contract and refund our down payment immediately. They were then very defensive and stated that they would not allow a refund. The law is the law, I am requesting a full refund of the money I put down for services not rendered. These people are extremely shady and the public needs to know to stay far away from them at all costs!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
MARINER FINACE IS REPORT TO MY CREDIT REPORT A ACCOUNT THAT DID NOT OPEN. I HAVE ASK TIME AFTER TIME TO VALIDATE THIS ACCOUNT. THIS ACCOUNT NEED TO BE REMOVED FROM ALL CREDIT BUREAUS AS THEY CAN NOT PROVIDE ME WITH ANY SIGN DOCUMENTION THAT I SIGN.

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 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Received a charge on my XXXX XXXX XXXX Mastercard sponsored by Barclays Bank, Delaware, credit card statement Period XX/XX/2019-XX/XX/2019.  There was a charge with Transaction date of XX/XX/2019 and posting date of XX/XX/2019 for a transaction in XXXX Florida, XXXX XXXX. We were in New Jersey working on that date. We called the credit card company to dispute the charge on XX/XX/2019 and spoke with XXXX at XXXX, they cancelled the Credit card and put it in as a dispute. We paid the balance of the monthly bill due. We also requested a copy of the transaction showing our signature. 
We received a letter dated XX/XX/2019 stating " After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity ''. In the same mail we received another letter dated XX/XX/2019. The letter stated " Our research has indicated that the transaction is valid. The transaction has therefore been placed back on your account. If applicable, interest and other charges related to the disputed amount will accrue on any unpaid portion of this amount, '' You can see our confusion so we called back and spoke with XXXX, who would not give us an employee number, and were told it was from a charge on XX/XX/2019 and that they can change the Transaction date whenever they desire. We still do not have a valid copy of the charge slip and feel that this company is not going to send one. When we called the number XXXX, and spoke with XXXX they said that the Merchant can change the transaction date when they want. How can a consumer check their transactions on a credit card if the Merchant can change the dates at will. We can understand the posting date being different but not the Transaction dates. Especially making it almost 30 days later.

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 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi Reviewing Transunion credit report dated XX/XX/XXXX. I saw where Third party supplemental information was listed and has been since XX/XX/XXXX also listing over 30 items that are county records and federal records. these keep me from getting apartments and losing applications fees also high interest on vehicle loan. I filed a chapter XXXX and XXXX both was discharged. the XXXX discharged in XX/XX/XXXX, They even have a home I brought and paid cash for in XX/XX/XXXX listed on the back with Total lan Mass in square feet, Assessed land value, total improvement value, Market improvement value, Home equity, and others stuff that has NO business on my credit report. 

I applied for a car in XXXX Illonois at XXXX XXXX on that day and was approve and had to return car. XXXX XXXX XXXX XXXX is listed as requested ..They use XXXX XXXX XXXX XXXX  in XXXX NY . They also used XXXX XXXX XXXX Texas XXXX, XXXX This is uncause for and violating my rights and should be fine. I am XXXX and had paid out money and it was nonrefundable.

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 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
For over one year now I have been asking Rushmore loan management services to reappraise my house so that I can avoid PMI. I have asked Rushmore loan to arrange their home appraise and Ill pay the cost - they have time and again refused to appraise my house- they have never given me any legal reason as to why they are not appraising my house in Arizona XXXX this communication started in XXXX and this is XXXX XXXX. I believe my house value has significantly increased in past couple of years and LTV ratio is way better than threshold of 70 % This company is fraud and deliberately denying my right to reevaluate through appraisal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: LA

Complaint narrative:
The company offered us a loan and the payment practices were not made clear. The issues : If you do not opt for automatic payments, and decide to pay by check, they charge a {$7.00} check processing fee which is deducted from your payment. Checks issued can take up to a week to process when received. This will add up in interest charges. 2. They will ONLY accept the monthly payment ON the due date, otherwise, they process it as principal payment and you are still required to make the regular scheduled payment. 3.  Calling in a payment on the due date, is not same day processing, it will process on the following business day. Calling 2 days ( Thursday ) before your due date when falls on a Saturday, will not process until the following business day.. more interest. 4. The information provided in the loan documents and the web site, is not clear with their payment practices. In a nutshell, they dont allow monthly payments to be made early, dont allow multiple payments which add up to the monthly payment. Their current payment practices costs the loan recipient more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mother passed in XXXX when she passed she was current on her mortgage payments I applied for a modification with Wells Fargo due to me being behind on the payments in XXXX the mortgage was paid up until XX/XX/XXXX when I lost my job due to job relocation out of Maryland Wells Fargo gave me the runaround for over a year on modification with my long as to which I believe I qualified at the time and had turned in all the necessary paperwork through the local Wells Fargo branch everything was documented as I was told certain things were not turned in as I continue to follow through and turn them in with the modification process I was denied twice the first time was because I only got a second chance because I made a complaint based on their procedures I am coming to find out that the home may have been covered with insurance after my mother passed I believe Wells Fargo went to far with my modification and I also believe at the time I was qualified for modification as well as there was MPI and PMI insurance on the home and I believe This is why they rejected me due to them being able to be paid out double on the home this is fraud and it should not be allowed

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 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX my cell service provider I have been with since XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX they began asserting that I owed an amount of {$600.00} for services not paid for/not transferred to from different service plans when the 4 phone lines, the equipment and previous amounts owed at that time. I am a XXXX XXXX XXXX XXXX veteran retired military now but was XXXX  during when these issues began. For nearly 9 years I have wrestled with XXXX and their revolving debt collectors slandering my credit rating with their erroneous collection information and fraudulent amounts owed and with XXXX to remove the information. After XXXX County Sheriff 's department investigated this matter they found that XXXX nor their debt collector XXXX XXXX could prove or substantiate the charges. XXXX XXXX then removed the information from my credit report. XXXX in unprofessional business practices and outright fraud hired another/sold to another collections agent the account and the process of attempted to clear my credit continues to rotate to another collections company as the current one is investigated and then found at error clears the fraudulent information from my report. I am under contract to purchase a XXXX equipped home for the XXXX I incurred in military war service. The actions done to me by XXXX, XXXX XXXX and currently Credence Resource Management is in the process of causing my home financing to increase drastically in interest rate or fail altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper DBA Nationstar Mortgage has placed my account in arrears for the XXXX mortgage payment that was paid to my previous mortgage company before the transfer date. 
My mortgage was transferred to Mr. Cooper on XX/XX/2019. Subsequently, I received a letter on XX/XX/2019 from my current mortgage company at the time ( XXXX ) and from Mr. Cooper stating that I shall make my XXXX mortgage payment to XXXX if paying before the XX/XX/XXXX due date. I paid my XXXX mortgage payment and it was received by XXXX on XX/XX/2019. Mr. Cooper did not own my mortgage loan yet, but they have put me in arrears for my XXXX payment that was paid to XXXX as instructed. Now that I have made my XXXX mortgage payment to Mr. Cooper, they have applied it to XXXX and now I am arrears for XXXX. I contacted Mr. Cooper via phone on XX/XX/2019 and emailed documents that they requested which included : my bank statement showing that payment was debited, a letter from my bank showing they paid XXXX electronically through their billpay department, my XXXX   statement showing payment was received by XXXX on XX/XX/XXXX, and the transfer letter showing I was instructed to make my XXXX payment to XXXX before XX/XX/XXXX. I followed up with Mr. Cooper via phone and email on XXXX XXXX and emailed them my next month 's bank statement as requested, showing that no payments were credited back to me. I followed up again on XX/XX/2019 via email, XXXX also reached out to them at the same time, and I filed a complaint with the XXXX  and all correspondence has gone ignored. To date my account has still not been fixed and no one from Mr. Cooper has answered any of my emails, calls from XXXX, or replied to my XXXX complaint. I am extremely concerned that Mr. Cooper will report their own mistake to the credit bureaus which will leave derogatory marks on our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc.
State: UT

Complaint narrative:
I am not the person with a felony. I have never been in XXXX County court. I have never even been arrested for a felony.

I am not convicted in anything ever from XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: FL

Complaint narrative:
A debt collection for a repo of {$8000.00} from XXXX XXXX XXXX was deleted and removed from my credit report in XX/XX/2019. This collection agency then sold the collection account to Jefferson Capital Systems which was re inserted into my credit report stating that the account was opened on XX/XX/2019 and was reported on XX/XX/2019 to all 3 credit bureaus. I am working with a credit repair company XXXX XXXX  who is disputing this and requesting for it to be deleted from XXXX, XXXX  and XXXX.

Company response to consumer: Closed with explanation