vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I continue to have several issues with Calvary Portoflio Services : 1 ) I have received a letter from Calvary that they have provided debt validation, but they have not. I am still waiting on proof of assignment or transfer of the loan. From what I have receive the debt was purchased by them not assigned or transferred as per my consumer rights with the FDCPA. I have received proof from Calvary that they have my statements, which they have sent multiple times over and a copy of bulk loan purchase. This is not what I am asking for is proof of confirmation from about the relationship of assignment of debt to Calvary from XXXX. I sent requests for validation on : XX/XX/XXXX XX/XX/XXXX Certified XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ) Calvary reported my original balance of {$3300.00}. However I received a letter from their representatives at XXXX XXXX that I would appear paid in full if I paid {$2200.00} on XX/XX/XXXX, which means that all of the balance information that has been reported on my credit reports has been incorrect since they have had my account. Last and most importantly Calvary is still reporting a collections balance, which they originally tried to settle for, I volunteered to pay the full amount of the balance for removal of the tradeline, in which they say they have no knowledge, but they changed the payment plans coming from my account. They did not send me a confirmation letter. In total I have paid {$2000.00}, with a remaining balance of {$100.00}. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX They passed my account onto a company named XXXX and XXXX XXXX. who has been taking my money from my account on their behalf. I would like this tradeline removed form my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX- XXXX XXXX. They keep calling threatening me ' if you have an attorney have them call if not we will asset you are not interested in settling this matter and we will have to take further steps ' they send d letters I got one in XXXX stating pay. {$66.00} by XX/XX/XXXX. I paid XXXX yet they are not satisfied! I wAnt to pay my bills, but my husband and me ran into hard times. Try going through cold wuss with no heat taking cold shower s. It was more important to get oil so we had to let the charge cards go. Plus they don't work with you- by stopping interest they just keep adding it on. Please help they should be sued for harassment! I can not even ask questions when I call they know your information from caller I'd, yet they won't help or give info out. Today was the last straw I want something do e. Their number XXXX XXXX. Extension ( ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I received a letter from Santander Consumer USA that I had until XX/XX/18 to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/18 causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX XXXX XXXX XXXX and Santander was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX   XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/18 to XXXX XXXX. I informed them with proof from XXXX XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/18 and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/18 and received Monday XX/XX/18. But every time I call Santander they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning Santander tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
This account was removed from my credit report, but has recently been reported again as a new debt. Historically, there were payments made to three separate entities for this same account, but none of those payments are recorded in their system. I contact XXXX, XXXX, and XXXX in XX/XX/2018 to inquire, but they couldn't find me in the system. I was given the name of a law firm to discuss the matter with and upon speaking to them, they have now sent me a collection letter. These companies partake in predatory lending practices. I have requested contracts and other paperwork for my account, but they can't provide those items. These same companies were included in a federal lawsuit for the same reasons that I am experiencing and were ordered to dissolve all accounts. I would like that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
XX/XX/XXXX, insurance claim checks were received by a company reprentative at Rushmore Loan Management Services.

Initially Rushmore claimed checks were not received. 
A week later, the checks were found. I was informed that checks would be endorse and mailed to me the week of XXXX later in the week of XX/XX/XXXX. 

Today XX/XX/XXXX, the checks have to my knowledge now been signed and mailed back so I can pay contractors for their work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC
State: CA

Complaint narrative:
I have no idea who these people are. XXXX XXXX XXXX. Repeated computer calls. Asking for my XXXX year old son who hasn't lived here in over 30 years. XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: GA

Complaint narrative:
To whom it may concern : I have check my credit report and I have found an inconsistency on My credit file, inquiries on XX/XX/XXXX from XXXX XXXX ; XXXX XXXX DEALER S ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ), please verify these items by providing sufficient documentation showing that they belong to me, please provide original application with my signature on. According to the section 609 of the FCRA you have to provide one hundred percent accurate and one humdred percent verifiable information or you have to immediately remove this entry from my file. Be aware that law specify {$1000.00} per unverified item on a consumer credit file. 
Thank you in advance for you quick responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On my TransUnion report there is a collection of {$450.00} by XXXX XXXX XXXX for XXXX. It says it it was opened XX/XX/2017. I just moved to an apartment in XX/XX/2017 and had cable from a cable company. I did try the seven day free trial of XXXX through the internet and it didn't work so I cancelled the same day. There's no way I can owe money on a free trial that was cancelled before the free trial expired. I did a dispute through XXXX XXXX but wasn't able to give much information, mostly just choose from topics. This was put on my credit report without any notice from XXXX XXXX XXXX, which should be illegal. I haven't received anything from them. I hadn't heard of this company before.

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 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX I made a debit card purchase of {$6.00} leaving a balance of {$0.00} in my checking account. Got email alert that my balance was low {$0.00} at about XXXX XXXX ... checked my balance around XXXX XXXX on XX/XX/XXXX the bank app had me overdrawned for a {$10.00} ACH and an overdraft fee of {$36.00} and a direct deposit of {$480.00}. 
I called the bank around noon on XX/XX/XXXX and spoke to a customer service rep who only said that the fees couldnt be reversed and that my accound was overdrawned on the 18th. I told the rep that if if was overdrawned on the 18th then why was I abled to make a debit card purchase using my pin on the 18th ... no reasonalbe respond, just that the fees could not be reversed. 
My complaint is simple ... .the banks are making money on its customers when they can charge a {$36.00} overdraft fee for a {$10.00} overdraft, the acount has a history of continuing bi-weekly direct deposits which had to be in their system on XX/XX/XXXX when the {$10.00} ACH came in so they knew that the money is or will be there credited to my account. This bank has a history of swindling its customers out of their money for excessive fees. 
The results Im looking for is the rescinded of the {$36.00} overdraft fee. 
thank you ....

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 2018-06-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
On XX/XX/18 two payments were made accidently to my mortgage company by me. One was for {$1000.00} which is the full mortgage amount and the other one was {$550.00} which is half my mortgage. I called them immediately to notify them I would need the {$1000.00} credited back to my account as this was an accidental payment on my part & that I would be paying split payments for {$550.00} each. 

I was given instructions on how to request this amount back in writing and I sent the fax in right away. 

That was XX/XX/18, today is XX/XX/18 and I am still waiting for my money. I have talked to numerous staff members, as I have called daily & several Supervisor 's. Each time I call, I am given different information. I chose this company because I am a Veteran and was told they " take care of their Vets ''. I am extremely disappointed in my dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services
State: NV

Complaint narrative:
I have received several phone calls from a company claiming to work for the county. They state that they are trying to serve me legal documents and by not returning the phone calls it will result in a missed court appearance and a warrant being issued for my arrest. I have called them back repeatedly, informed them that I am recording the phone calls, at which time they immediately hang up on me. I have no idea what the debt is for, if it is a real debt or if it is a scam. They are calling 5 or more times a day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Diversified Consultants are violating FCRA and FDCP statutes because they could not provide any documentation legally linking me to the account, and yet continue to try and extort monies from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo lied to me about previous deposit and credit card accounts that were opened in my name prior to me opening an account. Then after opening deposit and credit accounts allowed the fraud to continue ruining my credit and leaving me destitute. 
XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2018-06-20 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: NY

Complaint narrative:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2018-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I received a letter from XXXX XXXX stating that they closed my Care Credit  account in XX/XX/2018. I paid off the balance on this account in XX/XX/2018. I look on my credit report to find out that they also closed my XXXX XXXX account without notification. 

I do not understand why my accounts were closed 2-3 months after I paid them off. 

I did not put a request into the company to close either account.

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 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AL

Complaint narrative:
XXXX XXXX had placed a collection account on my credit report on XX/XX/XXXX for XXXX I paid a contract off with them and closed my account someone who used to be in my household set up a new account or fraudulently opened my old ones back up but I have never authorized or signed for a new contract with XXXX. This needs to be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
1. During the hurricane last year XX/XX/XXXX I had to evaluate. This situation left me and my family in dire straits. 
2. I contacted as many creditors as possible to request a deferment because of the storm. 
3. I spoke with the XXXX XXXX XXXX and explained the situation and requested a deferment. 
4. Un be known to me I didn't get the deferment. 
5. The account went past due. After I received money in XX/XX/XXXX I paid XXXX to the XXXX debt. 
6. XXXX XXXX still forward my debt to the IRS and to a debt collection agency. 
7. I paid another XXXX to the XXXX XXXXe towards the bill 8. In XXXX I received a letter from the IRS stating that they collected the remainder of the debt. 
9. XXXX XXXXr continues to show a past due amount on each of my credit reports and refuse to send me a paid in full letter. I get the run around and treated very badly when I call in.

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 2018-06-20 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: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX sold my mortgage to Nationstar, aka Mr. Cooper in XXXX of XX/XX/XXXX. I was in the process of a Loan Modification with XXXX when sold to Nationstar, I continued the process of the Loan Modifacation. I provided Nationstar with all necessary documents and was give an address from a representative to an office that had been closed and moved after me calling back 2 weeks after not hearing from Nationstar to be told that. Once again I sent paperwork in only for this time the paperwork apparently went to a different building and was not " delivered '' to the underwriting department. 3rd time sending paperwork in, Nationstar received it. Upon checking on status, via- online, phone, no one could give me a status update. A few weeks later, I received a letter in mail stating that " bowworrer denied loan Modifacation " NOT TRUE. Nationstar was Not willing to work with me on anything and was very unprofessional. I was talked to like a dog as well. Upon reading News Paper In classifieds, I seen that they were foreclosing on my home, without notice, I might add. I immediately contacted my lawyer and he went and stopped foreclosure at courthouse steps. On XX/XX/XXXX My lawyer and i filed a complaint in XXXX Court for violations of the home affordable modification program and breach of contract. XX/XX/XXXX, Nationstar removed the litigation to the United States count for the Eastern District. I have Case number when needed. Section. 12 of my court documents State Each party agrees to pay its own attorneys fees and cost. In Agreed order of dismissal as stated follows- It is hereby ordered Md adjudged that the plaintiffs complaint is hereby DISSMISSED with PREJUDICE, with each party to bear it's own cost and fees, however as of mortgage statement it is showing that I owe lender paid expenses as follows- 1. Property Inspection Fees {$420.00} 2.Legal Fees {$1100.00} Totaling {$1500.00}, In which I am not supposed to be paying, court ordered. Next, during the litigation process, I received letter staying that I could not make payments at this time. I sent payments in by check, just to be returned back to me. 
Upon Nationstar not accepting payments from my lawyer and I, Nationstar was reporting to all XXXX major credit bruearus that I was late. I have been trying to work with Nationstar and other Credit repair services for them to correct there wrong doings. I need Nationstarto remove delinquent status to all three credit bruearus. I have documented everything. This is just a taste of what I have been through. Help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
XX/XX/XXXX {$950.00} XX/XX/XXXX {$590.00} XX/XX/XXXX {$850.00} And another {$40.00} charge, not sure of the date. 


Have no idea of these ER visits. I'm a victim of identity theft and have been battling since XX/XX/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 2018-06-20 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: I.C. System, Inc.
State: WV

Complaint narrative:
On my XXXX  report there is a collection of {$450.00} by I C System for XXXX. It says it it was opened XX/XX/2017. I just moved to an apartment in XX/XX/2017 and had cable from a cable company. I did try the seven day free trial of XXXX through the internet and it didn't work so I cancelled the same day. There's no way I can owe money on a free trial that was cancelled before the free trial expired. I did a dispute through XXXX XXXX but wasn't able to give much information, mostly just choose from topics. This was put on my credit report without any notice from I C System, which should be illegal. I haven't received anything from them. I hadn't heard of this company before.

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