vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Last year I noticed an account on my credit report that should not have been there from XXXX.I never received any bills in the mail that I owed them any money.I never received a phone call regarding an outstanding balance.The balance was just reporting on my credit report which violates the FCRA laws put in place by the FTC to protect consumers from frivolous debt.I contacted the company and they refused to update the information.I filed a dispute with Experian and experian responded back that the debt was validated yet refused to show me how it was validated and what information they relied on to validate the debt itself.This is in violation of the FCRA as well.Both Experian and XXXX are now making it impossible for me to get qualified for a mortgage as I was told by my mortgage counselor I would have to pay the erroneous debt.This is debt that I am not legally responsible for.I financed an insurance policy with XXXX and then decided to cancel after 6 months as I switched the vehicle to a commercial use vehicle and it required different insurance.XXXX received each monthly payment from me.At the time of the cancellation of the policy, XXXX failed to recalculate the interest that was charged to my account.This resulted in them showing I owed a balance.I am not responsible for interest charged but not used.I cancelled the policy before year end.When the policy started, I was charged interest for a FULL YEAR on the loan.I did not finance the policy for a whole year so I should not be responsible for the interest.Not only is XXXX and Experian ruining my credit, but they are also charging me for something I do not owe. That is THEFT and ILLEGAL.

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 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX continued to contact discover bank in spite of account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: TJR Asset Recovery LLC
State: NY

Complaint narrative:
This collector leaves message saying there is a legal case pending against me and that I need to call to stop possible wage garnishment. They also do not leave a message about who is calling and does not leave a return number.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
Final debt of {$250.00} after insurance payment is being paid today XXXX/XXXX/2016. The total amount was {$3000.00}. They are charging {$430.00} in interest which we are disputing. We feel that the amount of {$430.00} applies to the {$3000.00} full amount that we are not liable for, we can see paying about {$50.00} in interest, but not {$430.00}!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
Our account is current etc ... there is no legal basis for their refusal to remove PMI. As shown in our online account with State Farm Bank, our mortgage balance went below 78 % Loan-to-Value on XX/XX/2017 with the balance on that date being {$110000.00}. 
Original property value at loan origination is {$150000.00} 78 % LTV is {$110000.00} Our actual monthly payment is {$730.00}. State Farm is adding PMI charges of {$56.00}, hence State Farm is requiring a total monthly payment of {$790.00} State Farm continues to Violate the law regarding cancellation of PMI. 
In an attempt to make XXXX continue paying, State Farm sent us this threat to refuse payments without PMI : Excerpt from that threatening letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX TX XXXX Dear Customer : Please be advised that your XX/XX/XXXX payment was {$52.00} less than the correct payment amount. 
To bring your account up to date, please forward a check in the amount of {$52.00} to Cash Management Department, XXXX XXXX XXXX, XXXX, NJ XXXX. 
The words " SHORT PAY '' and your loan number must appear on the check. 
We can not accept short payments and will return any short payments we receive in the future. Thank you for your cooperation. 
Sincerely, Customer Service Department XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc
State: VA

Complaint narrative:
I have received over 10 calls/messages from United Consumers for a debt belonging to XXXX XXXX XXXX. When I called to inform United Consumers to report that this debt is not mine, I was told that the phone number is linked to the original account. That is impossible since I never received calls for the original account, and the other individual would not have provided my home telephone number. I suspect that Universal Consumers is trying to call people in the phone book to collect this debt without any good faith basis that the debt actually belongs to the individual called.

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 2017-03-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
i went to use the atm whn i put it in it took it so whn the store open at XXXX i walked in waited in line whn it was my turn itold them what happen an if ican talk to the manager thy said no an was rud ask them who can i talk to to get it back said thy dont no an the atm not part off the branch i called XXXX i called ssi office thy said whn it getts serived they give the card to the branch the us bank works just makin fun of me tht just becouse im XXXX didnt let me use the phone an kicked me out the cops came let them no whatb happed told me to file a repot think if they did this to me how many othetr have they did it to sad think i disever a sorry mean workers hope we can fix wat ever goin on there 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 2017-04-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have two Fidelity credit cards. Fidelity changed processors and their autopay service was stopped. Numerous times I signed up for autopay and it was unsuccessful without my knowledge. Fidelity signed up one credit card on autopay and the other did not go through. As a result they marked one payment as late on my credit report. They reversed all fees after I called and instructed me to write a letter to a separate department to notify the credit bureaus there was an error and the manager told me in 30 days the late record would be removed from my credit. I called this department 3 times holding for 40-55 minutes before the call would be disconnected. I latter received a response from Fidelity that they refuse to remove the late payment from my credit reports. 

I have always paid my credit cards monthly off in full. Fidelity made the processing error and need to remove the late payment record. Evidence of this is they refunded all late fees and admitted this to me on the phone.

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 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Client has been repeatedly mistreated during efforts to modify loan, most recently was denied based upon his being divorced and a " successor in interest '' to the original party to the note, his ex-wife. Specifically, modification was denied on basis that property was not " owner occupied '' despite client 's ownership and occupancy, demonstrated to servicer countless times. Second, denial of application based on this " occupancy '' issue is in direct violation of the XX/XX/XXXX amendment to the XX/XX/XXXX mortgage rules under RESPA ( Regulation X ) and TILA ( Regulation Z ) found at 12 CFR 1024 and 1026, which rules were implemented to protect " successors in interest '' to mortgage and property ownership by virtue of divorce decree. Despite this status and the explicit provisions of the rules, client 's modification was denied based on his status as " non-borrower '' ( the so called " brick wall '' ), the repeated request for unnecessary and nonexistent documentation of home ownership and occupancy ( the " treadmill '' ), and have otherwise made the application for modification unnecessarily difficult. The same documentation was requested countless times. When the servicer 's employees would finally acknowledge receipt of a particular document, they would invent inadequacies and demand additional information which bore no relation to the client 's ability to pay the loan or any other relevant factor in evaluating this request. By way of example and not limitation, client is XXXX and submitted personal financial statement. Servicer then requested further documentation to explain the financial statement in detail which was simply designed to make client produce more paperwork, and did not provide any additional information. These requests for " clarification '' were repeated and abusive, and the ultimate denial of the modification was not based upon any of the information repeatedly provided and painstakingly supplemented, but upon the " borrower 's '' non-occupancy of the property in question. Servicer also claimed investor did not offer modification under the circumstances in question, a claim that was never validated or documented. In short, client was completely " run around '' in the process of attempting to modify his loan, and his application was improperly denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DE

Complaint narrative:
I received an Annual Escrow Account Disclosure Statement in XX/XX/2016 - outlining my mortgage escrow shortfall amount. I could choose to have the shortfall amount of {$710.00} included in my mortgage over the next 12 months or pay the shortfall. The option to pay the shortfall was to pay it in full or a percentage - I paid 50 % of the shortfall which was {$350.00}. Instead of the shortfall amount being applied to the escrow, the amount was applied to my principle. A new mortgage analysis was never completed to reflect the payment of the escrow shortfall - therefore a new mortgage amount was never calculated. Now I am being told that I am behind in my mortgage payment since the payment that is reflected is based on no payment being made to escrow shortfall. 
The payment amount is based on the escrow being divided equally into my mortgage payments over the 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bilateral Credit Corp, LLC
State: FL

Complaint narrative:
XXXX on XXXX took out my monthly dues then took them out again on XXXX. I spoke to the owner and he put it back on XXXX and the same day charged my card again. 
that month they charged me 3 times and on XXXX i did receive XXXX of them back from my bank. XXXX Still owes me for XXXX withdraw which was {$76.00}. The owner and I did have words after he took it out for the third time and was so rude about it even to the point of harassing me. At this time I told them they were not allowed to access my bank account anymore and that I would no longer be a member after the way he had come at me. No even 3 weeks later I receive a bill from Bilateral Credit Corp. saying I owed XXXX {$1500.00}. 
I never received a letter from XXXX or anything. In fact they still owed me one month of tanning because they never paid me back. It costs {$76.00} a month to be a member and in two weeks I now owe them {$1500.00} even though still have n't paid me back. The owner did this to XXXX with me and credit agencies let me them get away with this because they are members.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
The choices above do n't cover my issue. I have been receiving harassing calls from individuals saying they are with " mobile loans. '' They have even searched for family members and called them. They stated that I received a payday loan XXXX 2013 and have a balance left ( approximately {$1600.00} if I remember correctly ). Supposedly it was deposited to a XXXX XXXX XXXX account, which I do not have nor did I have in 2013. I have already gone down the road with them on dealing with this as a fraudulent account opening/id theft and all they do now is get hostile and hang up the phone on me. I 'm tired of this company thinking they can call people up like they work for a federal agency and harass XXXX them. They are not going to bully me into paying something I am not responsible for.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BARCLAYS BANK DELAWARE
State: AP

Complaint narrative:
I signed up for the Barclay 's XXXX XXXX with XXXX benefits ( I am XXXX XXXX XXXX ). Benefits were waiver of annual fee and 0 % interest while I am on XXXX XXXX. Recently, I received notification that Barclay 's had reinterpreted their XXXX benefits and would no longer be waiving the annual fee ( I would be charged on the anniversary of my enrollment.

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 2017-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
There is no contract for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Results Unlimited, Inc.
State: GA

Complaint narrative:
This company garnished my wages for a 2 party debt after I paid the amount that I owed.I contacted the company to let them know they had already garnished me for {$1700.00} and that the other party to the debt owed the rest and was told by XXXX that it did not matter, so I asked for a manager and the manager XXXX advised that they would continue to collect the debt regardless although I paid what I owed already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Richard J. Boudreau & Associates, LLC
State: NY

Complaint narrative:
I was told, i could have my loans cut by 50 %. All I have to do was pay a fee upfront and then 30 days after I would agree to pay a certain amount monthly for 12 months and my loan would be paid off. This happened in XXXX. But now in XXXX, I started to get letters about paying for this loan I thought I already paid off years ago. Turns out I did enter an agreement to pay monthly with the right company but the Company i originally spoke to where the fee went to were scammers. No company heard of them and when i looked at my XXXX statements to get the name and search who they were. It says they closed down and had other complaints for asking for fee to settle loans upfront. Company that I think scammed me are called Richard J. Boudreau and Associates.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX I made my credit card payment, before the due date and more then minimum. Then again on XX/XX/XXXX I made another payment however my payment was not due until the XX/XX/XXXX and because I was in the same billing cycle it was not credited to my XX/XX/XXXX statement. Unaware of this I logged into my account on line to make another payment for XX/XX/XXXX and saw that I was charged a late payment fee and was delinquent with my XX/XX/XXXX payment. I have attempted several times to straighten this matter out. All of the representatives I have spoken to understand what happened and they were kind enough to remove the XXXX late fee however they are reporting me late on my payment history. I have had this card 5 years and have NEVER been late with a payment and ALWAYS pay more then minimum. I have a credit line of {$750.00} and have requested a credit line increase and was denied because of a missed payment!!! And this is how they are reporting to the Credit Bureau.. that I was delinquent on a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Highland Capital
State: TX

Complaint narrative:
North Wind Associates keeps calling my cell, my work etc with threats to come to my work or home and arrest me or serve me with legal papers if I do not pay, I am on probation and can not go to jail! These people have mislead me into making a payment with these kinds of threats because I do not want them to come to my work, they have even said they would follow me. XXXX thing is to take me to court to get payments etc thats fine, but threats to arrest me or take property away from me is illegal. Can someone please help me with them? Greatly appreciate it.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC
State: CA

Complaint narrative:
On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against Enhanced Recovery LLC because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. 

I discovered on my birthday XX/XX/XXXX that a company by the name of XXXX has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! 

I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! 

XXXX Account Number XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nudelman, Klemm & Golub, P.C.
State: NY

Complaint narrative:
An attorney company, Nudelman, Nudelman & XXXX of XXXX, NJ XXXX seems to have purchased a debt from the New Jersey Surcharge Violations Bureau, saying that I owe NJSV XXXX .NJSV said they will not discuss this matter with me, as the attorney is handling the matter. 
No more information was provided, even after I requested an itemized bill. In fact, the company representative " XXXX '' flat out refused to provide any information at all. As did NJSV. 

I was simply told these charges are accumulated surcharges. I have paid NJMVC thousands of dollars over the past few years, including surcharges. This alleged debt has placed a stop on my driver 's license, so I 've been unable to renew my license over the past couple of years. 

I am XXXX, but I 'd like to attempt to resume working again. This is impossible without transportation. I live in a rural area where public transportation is virtually non existent.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Chapter 7 bankruptcy from over 10 years ago on Trans Union. The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.

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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There was an unauthorized charge made to my Master Card credit card account issued by the XXXX XXXX XXXX ( XXXX ) in XXXX, which I refused to pay. After much haggling, I paid off the credit card account IN FULL on XXXX XXXX, XXXX and stopped using the card/account. The XXXX then reported the account as a Charge-Off anyway ; so I wrote to the XXXX and they responded that a mistake was made, but the credit reporting agency ( TransUnion ) STILL has not corrected my credit agency file, even after I submitted proof of my payment to the XXXX, and the credit reporting agency continues to show the credit account as a charge-off! How do I get this problem corrected???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed XXXX tax liens on my trans union report several times they are released and paid { which i did not owe } i called the the state of West Virginia they told me that the credit bureau did not verify my tax liens because they can not give out that kind of information. These tax liens have hindered my credit report and me of establishing credit.they should have never been placed on my credit 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