vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
On XX/XX/2018, I went into a XXXX in XXXX, TN to inquire about the rates of a title loan. The customer service rep showed me that the interest rate would be 23.98 % and showed me a printed guide on how much I would be paying down every month. She really encouraged me to do the monthly option and the guide showed how much the principal would be going down with each payment. 

After I made my first payment of {$580.00} on time, I noticed the principal did not go down at all and actually increased. I looked at the statement and saw where there is a customary fee of 127.75 % APR added to the 23.98 % per billing cycle. This customary fee was not explained to me and she showed me a payback guide that had the principal going down every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate  notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

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 2018-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Flagstar Bank purchased my mortgage from my previous company. I did not ask them to purchase it - they purchased it without my knowledge. On XX/XX/2018, I received a letter from Flagstar Bank stating that property in the Special Flood Hazard Area ( SFHA ) as shown on maps published by the Federal Emergency Management Agency ( FEMA ) are required to have flood insurance. They then claimed that my property was in that category. They are incorrect because FEMA has issued a Letter of Map Amendment ( LOMA ) that can be found online, that specifically excludes my property from the SFHA. If Flagstar bank had typed my address into the FEMA database and read the LOMAs issued for our area they could have figured it out themselves. More importantly, the mortgage company that previously owned my loan did not require it because it isn't required. Flagstar should have asked that previous mortgage company. It isn't my job to educate them. After I received that XX/XX/XXXX letter, I called the number listed in XXXX and sent the insurance department the LOMA. Flagstar sent a 2nd letter on XX/XX/XXXX. I called their insurance department again in XXXX and resent the documents. Flagstar sent a 3rd letter dated XX/XX/XXXX and now say I have to pay {$2300.00} for flood insurance that I DON'T NEED and ISN'T REQUIRED. I have uploaded all the documents to them as requested today XX/XX/XXXX. Please help!

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 2018-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions Specialist, Inc.
State: TX

Complaint narrative:
This company is reporting to my credit report twice for the same debt. ( see attached ). This is a violation of FCRA and the Texas Finance Code 392.

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23 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: FL

Complaint narrative:
My complaint is regarding Trans union dropping my credit score 113 points without merit and without explanation abuse of correct credit score cause me significant damages after long time of repairing my credit score Thanks

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 2018-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for a home equity loan from US Bank on XX/XX/XXXX on my primary residence at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided all of the documentation and received a written confirmation based on DTI that i qualified for {$280000.00} pending the appraisal. Although I believe US Bank eventually denied my home equity loan in order to " steer '' me to refinance my primary loan at a higher more profitable rate for them, I'm not filing a complaint about that at this time. I am filing a complaint regarding the appraiser used by US Bank and the appraisal process in general. As you can see, I've filed a previous complaint a few years ago regarding the appraisal process. They've now exhibited a trend in how they instruct their appraisers to appraise properties or they are using incompetent appraisers. It would seem that you now have two appraisers doing the same thing that it's likely the instructions given to the appraisers by US Bank. Both appraisers two years apart came in 6.5 % below the market value ( {>= $1,000,000} versus market value of {>= $1,000,000} for this current one ; {>= $1,000,000} versus market value of {>= $1,000,000} two years ago ) of the property which seems odd that the percentage would be the same. The appraiser two years ago left off a room with enough square footage to come in at the value the bank wanted. I didn't realize it until i went back and looked at it. This appraiser used comps from a different zip code in an area that had houses built prior to the 1994 XXXX earthquake in order to bring the value in at what the bank wanted to lend. Either the bank is instructing the appraisers or they are incompetent.

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 2018-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank is breaking the law. My house was damaged by hurricane IRMA in XXXX. 

Since Florida has been declared a federal disaster area, which means, by law I can get a forbearance payment on my FHA mortgage. 

When I contacted regions in XX/XX/XXXX about my repair cost due to hurricane IRMA preventing me to be able to pay on time they offered a repayment plan not a forbearance plan.

The repayment plan is that I only skip one month of payments and then pay extra payments every month for 4 months until the loan is current. Thats not a practical solution. And I requested a different strategy and was denied.

And not only that they never mentioned to me that not making the one month payment would be reported to credit agencies and a missed delinquent payment.

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 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On Friday, XX/XX/2018, I received a credit monitoring notification that an address was removed from my Equifax credit report. After reviewing the alert, I realized that Equifax removed my current address. I did not authorize this change as this is my only and current place of residence. Equifax has a copy of my driver 's license and utility bills from prior interactions and I did not change my address from the current one with any of my creditors, so there was no reason for this change. I'm not sure what fraudulent activity is going on with my report, but I need Equifax to update this error immediately and send me a copy of my credit report to my address. This is the ONLY address Equifax should have on my file. I do not have this issue with XXXX neither XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: TX

Complaint narrative:
Collins Asset Group , LLC never sent me notification of this alleged debt until after I reached out to them in the form of a dispute. I saw a negative entry by this company on my credit reports in XX/XX/2018. This company claims I owe {$10000.00} to XXXX XXXX XXXX ( TX ). I wrote them a letter of dispute and also notified XXXX and XXXX of the erroneous mistake. Collins Asset Group did not remove the negative mark on my credit reports and in fact, told the credit bureaus this was a valid debt. I then reached out to the alleged original creditor and spoke to the owner of XXXX XXXX XXXX, Mr. XXXX XXXX XXXX. He told me that he has no knowledge of Collins Asset Group and he never hired them to pursue me because, I do not owe him any money. I received a letter dated XX/XX/2018 from this company and I decided to pay a visit to XXXX XXXX XXXX and to show them the letter as proof this company claims I owed them money on XX/XX/2018. Mr. XXXX immediately said this is not accurate and proceeded to call the phone number from the letter ( XXXX ) XXXX. A female named XXXX refused to talk to Mr. XXXX calling him a third party and that she needed my permission to speak with him. When I took the phone to give her permission to speak to the owner they claimed is the original creditor, she then refused to talk to me as well. I asked for a manager and was told none was available and that I need to once again, put my dispute I writing. Mr. XXXX, just a frustrated as I was offered to help by writing the enclosed letter and asked me to attach his business card for verification. Im in need of assistance and would like this company to stop pursuing me and remove this negative mark from my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: LA

Complaint narrative:
In XXXX of this year, I spoke with a representative of P & B Capital Group by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018. 

This company has a negative rating with the XXXX XXXX XXXX. 

I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept. 

I have attached copies of correspondence sent and received by this company. 

Please assist me in obtaining the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: AR

Complaint narrative:
In XX/XX/2017 I obtained a secured credit card with Discover. I put a {$500.00} deposit in place at that time. I had not used credit at all for over 15 years so essentially had no credit, as opposed to bad credit. I got the card to facilitate transactions like car rentals, etc. that require credit cards.

I was told that after " a few '' months I could get my deposit back. that has not occurred despite making timely payments for about 18 months and never carrying a balance. My credit scores on XX/XX/XXXX and XX/XX/XXXX are between XXXX and XXXX with no late pays and no collections. I have since been offered unsecured credit up to {$15000.00} while I can't even get my {$500.00} deposit back from Discover.

Also, my payments are frequently held for several ( usually 10 ) days in spite of the fact that they have always cleared the bank and have always been early or at the latest on the due date. I keep being told this is for " security purposes '', but this is nonsense and just another way for them to make money on payments they already have in the bank. This is both unethical and illegal and it needs to stop. Discover employees have - including this past week when they put a payment on hold - have admitted it is a random process that has not real purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I notice that on my credit report that I C System reported a balance of {$920.00} which I do not recall and I contacted the company Via fax in regards to this account reporting on my XXXX, and XXXX  Credit Report requesting a signed Document bearing my signature.

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 2018-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc.
State: TX

Complaint narrative:
I have become aware - through a credit reporting agency - that Mid South Adjustments out of Arkansas is trying to collect a debt, ostensibly from someone named XXXX XXXX XXXX. I don't know these people and certainly don't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
In XXXX of this year, I spoke with a representative of XXXX XXXX XXXX XXXX XXXX by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018. 

This company has a negative rating with the XXXX XXXX XXXX. 

I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept. 

I have attached copies of correspondence sent and received by this company. 

Please assist me in obtaining the requested documentation.

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 2018-09-24 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: Navient Solutions, LLC.
State: ND

Complaint narrative:
I went through a Chapter XXXX bankruptcy in XXXX. In XXXX the bankruptcy was reopened in regards to my student loans. A settlement was reached with Sallie Mae in which I would pay {$260.00} a month at 3 % interest for 30 years. I started sending the money. Sallie Mae would cash the checks and then refund the money to me. I would send more, they would send it back. My lawyer contacted their lawyer and was told the problem was fixed. I would send them money, they would send it back ( I have bank statements to back this up ).  After over a year I stopped sending money to force them to contact me so we could settle the issue. They never did. Ten years later in XX/XX/XXXX I received a letter from Navient that my forbearance was approved and that payments would start in XX/XX/XXXX, however I now owe {$130000.00}, {$880.00} a month for 30 years. I sent a letter with a copy of the court order stating what I owed and the terms and they replied that they had no idea about the court order, that I had not made any payments since XXXX, and that I still owe {$130000.00}. 
I never asked for a forbearance, especially one that lasted ten years. I was never notified of the change in address to forward payments when Sallie Mae switched to Navient. They have not been able to explain why the loans were in " hibernation '' for ten years. Sallie Mae never accepted any of my money after the court order. How can they sit on a loan for ten years, double the amount, after the affair was settled in Federal Court?

Company response to consumer: Closed with explanation