vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 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: First Advantage LNS Inc.
State: CO

Complaint narrative:
due to XXXX incompetence and continued corruption im forced to contact this other idotic shopping plaza office having derelict company. it makes no sense that a company is going to wait 4 years to sell a debt or a debt collector like your self to wait 4 XXXX years to start collecting it. no amount of XXXX dollars EVER!!!!! appeared on any of my credit reports UNTIL AND AFTER!!! my information was hacked at XXXX   in XX/XX/2017 I want this fraudulent debt removed from my report and I find it equally repugnant that XXXX so called investigation is just sending your XXXX of a company an email everytime I file a complaint report and everytime you sacks of XXXX say YES ITS A DEBT. well if it is it sure as XXXX isn't mine. im tired of arguing for a XXXX year with incompetent outsourced XXXX at XXXX so time to argue with what im sure is another outsourced XXXX in XXXX about this debt which is impeding me from getting housing. and the funniest thing of all is that even this so called FEDERAL CFPB company is ALSO OUTSOURCED TO XXXX so in total I bet all 3 XXXX  who could handle this matter are in fact just one sack of XXXX in XXXX at some XXXX run down stinky XXXX call center. RESPECT IS EARNED NOT GIVEN and none of you deserve any and demanding it only verifies your narcissism and sociopathic tendencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CARVANT FINANCIAL LLC
State: MI

Complaint narrative:
In XX/XX/2018, I notified Carvant Financial to cease telephone contact with me due to excessive calling and verbal threats of repossession. I have photo 's in my phone from Carvant Financial excessive calls. Their calls have been back to back and multiple times per day. I spoke with the account manager XXXX and advised him of the harassment and verbally requested the company stop all communication. I continue to review calls, text and voicemail 's from this company. I have records of expamples of the calls made : XX/XX/2018 calls from XXXX at XXXX est, XXXX XXXX est and XXXX est. This is a direct violation of the FDCPA and TCPA policies. Also dated XX/XX/2018 they called and left consecutive messages at XXXX XXXX est and XXXX est.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Loans with Navient and XXXX  reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello I bank with PNC Bank and on XXXX XX/XX/2018 my account was hacked by XXXX without my permission and they took {$1700.00} worth of charges on my account and they cashed out via Cash Advanced my issue is that my bank didn't let me know that there was 4 charges of {$490.00} deducted from my account can you help me with matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2018 my car was totaled at the time the insurance didn't want to pay. And since the car was in such bad shape when I arrived to the scene of the accident. XXXX County sheriffs had my car towed to their location due to the vehicle being non drive able. 
I called my loaner Capital one to dispute the claim and I was told the remainder of the cars total value which was XXXX was still due on the vehicle. I tried numerous times to decrease the payments due to pleading hardship and the car being totaled damaged. Less than six months later creditors are calling me on behalf of capital one, at this moment I am in a new vehicle and can not afford two car notes. Before i got a newer car I was trying to settle with the actual company, now creditors are calling me every other day, numerous different people, numerous area codes around the world so terrified to answer. I couldn't even get a loan was so close to the point of filing Chapter XXXX bankruptcy just so this unresolved debt wont linger over my head.I just received a letter in the mail about a few weeks ago around XX/XX/2018 saying that the creditor was willing to settle for XXXX. So if the loan has went down from XXXX then take it down another XXXX and i can then make a new compromise then what we discussed before. Due to not trying to really work with me the other times I rarely want to pay anything. I was in good standing with my this loan until this incident happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
For a couple of YEARS now we have had a billing issue where we purchased a home warranty from a company Nationstar ( now they changed their name to Mr. Cooper ) recommended. We paid the warranty company in full, each time a one year policy payment upfront. Yet Nationstar/Mr. Cooper shows overdue payment ( s ) of {$860.00} for this " Optional Insurance ''. We have called several times, sent in the proof of the annual payment, and the consecutive annual payment we paid, including a copy of the bank statement showing all paid at once. 

Upon talking to various Nationstar/Mr. Cooper personnel, they first said " You have to call the home warranty company as they authorized Nationstar/Mr. Cooper to automatically pay from your monthly mortgage payment ''. I called the home warranty company, they said absolutely not, they did not notify Nationstar/Mr. Cooper to deduct that as they show we pay the entire bill upfront directly to them. I did not authorize the deduction monthly, I have asked for proof of such authorization and Nationstar/Mr. Cooper can not provide that proof to me ( because they do not have any such authorization ). 

Even putting Nationstar/Mr. Cooper on a conference call with the home warranty company supervisor, has not stopped Nationstar/Mr. Cooper from continually putting this incorrect/bogus amount on our monthly mortgage statement. We had assurances they would, and still each time I call they say in " 10 days we will send a letter showing the amount removed '' and they NEVER DO! So now our XX/XX/2018 statement STILL shows the amount " Overdue Payment ( s ) of {$860.00} and WE DO NOT OWE AND THEY REFUSE TO REMOVE IT. 
We took their recommendation, bought and paid for the home warranty policy, renewed and again paid the complete annual policy amount, all shown on our bank XXXX Statement and they REFUSE to comply with our request. We are done, we need help and they will not correct this, we ask they be ordered to correct the mortgage statement and put in writing they have done so please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.

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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.

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 2018-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This company contacted me by mail stating that I owed a debt from XXXX in XX/XX/XXXX on XX/XX/XXXX. I have no knowledge of this debt & this debt isn't shown anywhere on my credit report. However back in XX/XX/XXXX- XX/XX/XXXX I did have XXXX XXXX that eventually ended up in collections but that was settled last year. I've sent letters to Pressler & Plessler LLC as well as the court. I've also asked them to send me valid proof of this debt in a letter via certified mail on XX/XX/XXXX & I haven't gotten a response from them until now. They sent me another letter recently stating wage garnishment but still haven't shown me the proof that I've requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
Sent in my escrow shortage along with the payment coupon that told what the payment was for and they applied it elsewhere. I have called several times over 2 week period and they keep saying they are going to fix it but it has not been fixed yet to display the proper mortgage payment amount. Also in the past I mailed in my mortgage payment and the funds where in my bank account. They said the funds where not in the bank and charged my a NSF fee. My bank didn't even charge me a NSF fee because the funds were there. I even went to my bank to get proof and sent it to them and they still tried to say the funds where not in the bank so they could get a {$30.00} fee.

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 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
Car broke down ( XXXX XXXX XXXX ) had already paid XXXX for brake job repair. Signed a note with XXXX XXXX XXXX XXXX. under ( XXXX XXXX ) for brake repair, after repairs the amount was XXXX after 90days. XXXX for 12 months. I can not borrow or raise the money to pay the loan off by XX/XX/XXXX. I already made 2 payment of XXXX. XXXX a piece. What can I do? Just keep paying for 1yr? I said the brake repairs were too much. and I was treated very hostel by MGMT. was told '' move your car off my lot or pay in a loan for repairs, I am an older lady and I signed for repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have asked XXXX XXXX since XX/XX/2015 to provide written proof of the alleged debt, and I to this day have never received any correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
My vehicle was repossessed by XXXX for a late payment. After I contacted them I spoke to different representives from their company and all gave me different information. My personal belongings that are my private property are still in the vehicle itself. My work tools and personal belongings shouldnt be held for a {$100.00} storage fee. But thats what they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Money was put in XXXX XXXX XXXX in two lump sums deposits first was XXXX, XXXX ; XXXX dollars and the second was XXXX dollars bank close went to XXXX and now Wells Fargo we have the deposit slips and have spoken to Wells Fargos Bank with no success. They keep sending us to missing money this money wouldnt be in that category. We need help finding the money

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 2018-11-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was notified by XXXX that my Social Security number was compromised. 
So after checking my credit report, I saw some inquiries that did not belong to me. 
I notified each one of the credit bureaus by certified mail to investigate the inquiries.

each one of the credit bureaus failed to prove that any of the companies who had performed a hard inquiry into my credit had my written authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bayside Capital Services, LLC
State: CA

Complaint narrative:
These people are calling my daughter, my parents who are XXXX years old. Last call was on XXXX to my parents upsetting them. On XXXX they contacted my daughter who live in Pennsylvania and works for the Federal Government and this jeopardizes her job. 

The reason for the mistake is the payday loan people double payments which forced the bank to close my account due to insufficient funds when my rent check, insurance checks everything bounced. I was then given a 3 day notice to quit. I almost became homeless. 
They call 5 to 6x times during the day while I'm at work STOP IT!!!!!!!!!!!!!!!!!!!! 

I already have a garnishment from the IRS, STUDENT LOANS, FRANCHISE TAX BOARD, so I don't know how they aspect to garnish my wages. I am not an expertise on the law but I already have 3 garnishments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I froze my credit report and tried to unfreeze it at a later point. I used all the same information, I am sure of this. Experian refuses to unfreeze it until I send in a long list of documents that I do not have. When I try calling it is not possible to speak to a human.

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 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I entered into a mortgage loan with Wells Fargo Home Mortgage and the loan that was offered on predatory terms. They have also refused to allow me to refinance the loan that I previously received. They also denied me the right to pay off this mortgage.I have been taken advantage of by Wells Fargo.I have been paying on account XXXX for over 20 years. I have been making balloon payments of $ XXXX monthly payments for over 20 years and my balance is still {$43000.00} and that not correct. Wells Fargo has tried to take my house several times and made me come up with balloon payments but my balance does not reflect these funds. Out of the total monthly payment of {$800.00} only {$73.00} is going to the principle and the rest is being applied to interest. I had XXXX at the time that I signed this loan and I feel like they are taking advantage of me and waiting for me to die to take my house. The way that they set up this mortgage loan, I will never own the house I have paid for over 20 years.

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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 2 inquiries on my Equifax credit report that should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX under the creditor XXXX XXXX has been contacting people that I am not associated with anymore and leaving messages that I will be sued. I contacted XXXX  directly in XX/XX/XXXX and let them know of my circumstances and repeatedly told them not to contact the phone numbers they had listed. I NEVER authorized them to contact my ex-husband, ex-mother in law or step mom. 

They call over 5 times in a day and my ex husband is also getting messages saying that if we do not contact them with a lawyer that they will have no choice but to sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth financial systems are reporting to my credit report negative and incorrect information that is affecting my ability to improve my life and receive a fair interest rate on a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I previously filed a claim for debt protection with Synchrony Card Protection on my PayPal Smart Connect account, which was approved, and I believe I need to disclose for tax purposes. 

Synchrony Banks card security debt protection insurance is violating federal tax law and putting those using their product at risk of failing to pay proper taxes. 

Synchrony Bank is legally required to report any taxable income due to debt forgiveness to the government and send the relevant forms to the insured so they can properly file taxes. 

Today, two Synchrony Bank card security representatives told me THEY DO NOT MAIL ANY TAX FORMS TO NOTIFY THE GOVERNMENT OR CONSUMERS OF THIS TAXABLE INCOME. 

I told them this is unacceptable and that they needed to provide me with the proper tax documents in accordance with federal law. They said company policy does not allow this. I demand that Synchrony provide the relevant tax documents at the end of the year.

NOBODY is asking them for tax advice, we just need the forms to take to our tax preparer.

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