vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Received a call from an unknown number and was informed that I would be served with legal papers on XX/XX/XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XX/XX/XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax representative took it upon themselves to add a included in bankruptcy status on my student loans. That were NOT discharged in bankruptcy but rather paid by XXXX XXXX XXXX and Im still currently making payments on them today. I did not dispute these accounts neither did the creditor report them as being included in bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
For more than a year, I am paying my mortgage to Mr. Cooper ( Former XXXX XXXX XXXX ) on time before the 15 of each month, that is the time that I have before getting late fees. I make electronic payments thru XXXX XXXX XXXX online services ( yearly payment statement attached ). On XXXX, I received a statement stating that I did n't pay part of my mortgage and Mr Cooper charged me late fees and the money that I supposedly did n't pay. I made a 3 way call between Nationstar and XXXX XXXX  XXXX. My bank rep confirmed that full amount payment was made electronically on time on XXXX/XXXX/XXXX ( money was withdraw from my account ). Nationstar admitted their mistake and returned late fees. On XXXX XXXX, this situation happened again. I spent an hour taking with Mr Cooper rep that did n't believe me and they could n't understand what electronic payment means, stating that Maybe I was using mail service to do it. A XXXX XXXX XXXX confirmed that full payment was made on time the same way, electronically, same address and account number. The problem was solve after that. 
Now I received a default letter stating that I did n't pay XXXX Mortgage. I contacted XXXX XXXX XXXX that proved that payment was made on time on XXXX/XXXX/XXXX ( All info was verified by Mr cooper rep ). I still being harassed by Mr Cooper, sending letter of " my default ''. I do n't know what is happening with Nationstar ( Mr Cooper ) that keep not registering my payments. This situation is causing me stress and anxiety. I pay on time and I do n't know what to do at this point. Attached you can find my online electronic payments and a letter from my Bank proving that Mr. Cooper received the money on time. This is the 3rd time and I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Received a call from an unknown number and was informed that I would be served with legal papers on XXXX between the hours of XXXX XXXX and XXXX XXXX. Gave me a number that I could call if I needed to reschedule. Received a text message from my sister with a voicemail attached. The same person that called me called her and left her the same message telling her that the message was intended for me but left my sister a message saying that I would be served with legal papers on XXXX. I have never heard of a process server calling someone and tell them that they are going to serve them legal documents and I do not feel that my personal information and situation should be relayed to my family and friends. This is a private matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX XXXX, XXXX, a customer of ours transferred {$910.00} to our Paypal account. The same day, XXXX charged {$27.00} for this transaction. Also on the same day, I requested that the money is transferred to our XXXX checking account. Paypal would only transfer {$500.00}. Since then, we are trying to transfer the remaining {$410.00}. XXXX is coming up with excuses. SSN needs to be entered in profile, technical issue etc. None of them has fixed the problem and I still can not transfer the money as of XXXX XXXX, XXXX. As if Paypal was trying to keep it for themselves. They should be punished and forced to reimburse the high fees that they charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
WENT TO EMERGENCY ROOM XXXX XXXX, XXXX HAD HEALTH INSURANCE COVERAGE FROM 2 SOURCES XXXX XXXX XXXX THRU EMPLOYER AND XXXX XXXX THRU STATE PHYSICIAN FAILED TO FILE A CLAIM FOR PAYMENT IN A TIMELY MANNER AS STIPULATED ON THE HEALTH INSURANCE CONTRACT AND FAILED TO FILE AN APPEAL FOR SUBMITTING CLAIM LATE. NOW IT IS IN COLLECTION IN THE AMOUNT OF XXXX AND HAS DRASTICALLY IMPACTED MY CREDIT 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 2017-11-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax dont want dispute UNAUTHORIZED inquiries on my credit report. keep telling me, I have to call banks and ask them to send Electronic notification to remove those inquiries ... its been a week now, I called banks but they unable to find anything in their system under my full name or ssn. So they cant send anything to equifax ... called back equifax again, explaining what banks told me, but they keep telling again same story ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central States Recovery, Inc.
State: GA

Complaint narrative:
I sent in a debt validation letter and Central States Recovery sent a letter stating that they do not have any record of the alleged debt ; however, they are still reporting to XXXX and XXXX This needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trying to remove a dismissed bankruptcy from my credit report.The following sections of the FCRA .1681c mentions nothing relating to bankruptcy dismissals or filings.Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law.Therefore transunion has no right to maintain this information. 

Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, transunion must delete this information from my credit report.

( See attached letter I sent to Transunion )

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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: HI

Complaint narrative:
Quiken loans have called 5 time in two days. I called and they said I would be off the list but it has not happen. All different numbers they are calling from including my area code.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I just received a hard inquiry notification off of my XXXX XXXX account made by : On XXXX XXXX, XXXX. 

XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I have not opened any XXXX 's account recently. 

Thank you, 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 2017-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I bought a house in XXXX 2017. Within 3 months I started shopping for a refinance mortgage company to re finance my home. form XXXX to present date I have contacted at least 17 mortgage companies with no success in refinancing m home. Each time I contact a mortgage company all 3 credit bureaus are list them as hard hit. Another inquiry is added to my already my already spiraling downward credit report. I was made aware of the info that CFPB has relating to Mortgage Bureau 's protocol within the Credit Bureaus Reporting practices on Mortgage inquires. The article says and i quote " You can shop around and get multiple preapprovals and official loan estimates. The impact on your credit is the same no matter how many lenders you consult, as long as the last credit is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45 day window is over. Shopping around is still worth it. The impact of an addtional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hosto & Buchan, PLLC
State: KY

Complaint narrative:
I am a XXXX resident and my wages were garnished and continue to be garnished by XXXX XXXX XXXX. Sometime around XXXX XXXX XXXX purchased a credit card debt XXXX XXXX  XXXX allegedly owed to XXXX under my XXXX  name XXXX XXXX. In XXXX XXXX XXXX filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Case No. XXXX ) alleging that I owed them XXXX  and obtained a default judgment. They mailed the notice of lawsuit and any other papers associated with that lawsuit to a XXXX XXXX XXXX XXXX, XXXX using my XXXX name on all of the paperwork. I am not nor have I ever been a resident of XXXX, XXXX. I was never served any papers by the XXXX and I never signed for any papers at the XXXX XXXX in XXXX, XXXX 
I was critically injured in an XXXX XXXX on XXXX XXXX, XXXX and lived with my XXXX in XXXX, XXXX up until XXXX of XXXX I was XXXX on charges stemming from that XXXX. I was incarcerated in XXXX from XXXX until my release on XXXX XXXX, XXXX. I obtained a job with XXXX in XXXX of XXXX and first heard of this lawsuit when my wages were XXXX by XXXX XXXX in XXXX of XXXX. 
I never received notice of the lawsuit back in XXXX and I never received any notice or letter from XXXX XXXX or their XXXX XXXX and XXXX attempting to resolve this matter before garnishing my wages. The information that I have I got on my own from my employer. XXXX XXXX has failed to send anything to me ever. 
XXXX XXXX is taking at least XXXX XXXX of every paycheck and there is nothing that I can do to stop it. In addition to the alleged debt of XXXX they have tacked on another XXXX in XXXX costs and " XXXX XXXX interest ''. How can I defend myself for a debt that was incurred more than XXXX  XXXX ago when I have been XXXX for the past XXXX XXXXears? How can I stop this wage garnishment? This puts a tremendous hardship on me. I am a single XXXX with a XXXX year old child to support. Please look into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
XXXX XXXX, 2017 XXXX XXXX XXXX with held the fund {$2200.00} in my bank account due to a Notice of Levy Under Writ of Execution in the amount of {$30000.00}. I did n't know where this debt came from. I received a judgement letter notifying me of the bank levy on my account after the withdrawal had already taken place. I was short on all of my rent and bills. I
contacted the Winn Law Group that filed the judgement and asked to provide me more information on the debt amount, but I was given the run around with no resolves. I did sent them a follow up letter regarding clarifying the debt and collection.
In addition, I contacted the Sheriffs department that executed the bank levied but they ca n't help me or release the funds. 
I check my credit report on with 3 major credit reporting agencies and found no debt or collection account in the judgement letter.
This collection is a misrepresentation on the part of the Winn Law Group and falsifying the judgement with the local court. 
I 'm a XXXX XXXX and low income with my wife and XXXX children. I need the CFPB to help me investigate the law firm and get my funds release with XXXX XXXX XXXX. So I can pay rents and living expenses. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We refinanced our vehicles in XX/XX/XXXX. We signed all the paperwork they needed to process the loans for our XXXX XXXX XXXX and XXXX XXXX XXXX. Since then, every month they send additional documents, needing more signatures, the same paperwork we originally signed. Everytime we get the papers in the mail, we take it to the Wells Fargo, we got the loan at, the banker there, XXXX, faxes the signed copies to them and then calls them to ask if there is anything else they need from us, they tell him no, everything is fine. The next month something else, this is getting really upsetting.

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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I initiated a refinance application via the usaa.com with USAA. I have banked with USAA for approximately 10 years. I have all my banking and car/home insurance with USAA. I wanted to refinance my existing loan with XXXX XXXX to apply for greater discounts and to consolidate my credit card debt into my mortgage for a more manageable payment. I owe approximately {$86000.00} on my home and it was appraised by the contracted USAA appraiser for {$160000.00}. I was going to refinance for {$120000.00} which is 73.8 % of the value and well within the normal range to request a refinance. After spending over an hour on the phone with the Mortgage pre-qualification, I was emailed several documents to e-sign. I signed everything and was then handed off to XXXX XXXX on XXXX XXXX, XXXX. 

For the following 18 days, I was repeatedly harassed with requests to provide narratives, documentation of income, and then more documentation supporting my narratives. I provided an unofficial transcript to prove my time taking classes 2 years ago, I was asked for my monthly income from 2 years ago, I was asked for a copy of a lease I had, on and on even questioning my daily commute to work, until I finally gave up and requested that the application cancelled on XXXX XXXX, XXXX. XXXX again ignored this request and assured me that the underwriters boss and his boss were now reviewing my loan application, but that they again needed additional income verification! I responded that if I had additional income that he/she would have known because I would have provided it several weeks ago at the initial request. 

Towards the end of the 18 days of harassing gotcha inquiries and prior to requesting the application cancelled, I had requested of XXXX XXXX to refinance through HARP and each request was ignored like I had not even mentioned. I complied with every request for 18 days, until the " underwriter '' asked again for additional income verification! The requests were so ridiculous and frustrating that I can only assume the Mortgage division uses this tactic to underhandedly discriminate against single females without a dual income. I have a good credit rating, never been late on any payments and as mentioned, have {$82000.00} of equity in my home. I 've lived in my home for 10 years. I make over $ XXXX, which is more than enough to manage a {$120000.00} mortgage. 

I refinanced my house through HARP to a XXXX mortgage in XXXX so I know the process to refinance is not as grueling as USAA 's mortgage division imposed. The refinance I did in XXXX was closed in a matter of weeks and NONE of my statements were scoured for dishonesty. 

I have all of the supporting emails for my claim of gender and income discrimination in Mortgage Lending against USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I submitted a letter to settle by deleting unverified information off my report. Experian, sent me a letter stating they will not follow government law to do so. I am attaching the letter to this complaint along with 4 months worth of letters sent to settle the issue. They wrote I needed to be specific and all my letters stated I want experian to follow the law by verifying the information on my report that I have concerns with. That is very specific. If they are not able to verify they are required to delete, in which the statute of verifying with Proof has expired. I have been sending my verification and they are asking for it in the letter. Experian is ignoring the fact that there are laws that give me the right to ask them to verify any account on my credit report, which would keep creditors honest and reporting agencies on board of reporting things they suppose to 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 2017-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Enclosed XXXX will find correspondence with XXXX XXXX XXXX XXXX showing they have taken the steps to remove account from collections status. Experian has been notified of bankruptcy no less than seven times now requesting my credit report reflect accurately. I have provided discharge notice on every occasion along with request to fix the errors. Experian has failed to fix the problem. At this point my attorney is suggesting that Experian is the liable party for a law suit. I have provided all documents for this very simple error. I will provide them all yet again in this complaint. If this is not resolved in the next 30 days a law suit will be filed in federal court for violation of court order and violation of the Fair Credit Reporting Act. XXXX with XXXX XXXX XXXX XXXX informed me, on a recorded line on XX/XX/2017, that  any failure of this reporting correctly would be a failure on Experian 's part not theirs. All other companies who were informed of their inaccurate reporting fixed the errors within a week and were also reflecting within that time frame. There is no excuse for this gross negligence other than someone somewhere is not doing their job and it is reflecting poorly on the company and harming the consumer.

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 2017-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I was not informed that the loan required that I start making payments immediately while in school. Now that school is complete I have a total payment that is twice the amount I originally borrowed. How is it possible to have more interest than the original amount borrowed? I have tried to work with navient but with no success. Can not afford to pay more in interest than originally borrowed.

Company response to consumer: Closed with explanation