vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nations Recovery Center
State: NJ

Complaint narrative:
The company repeatedly refuses to send requested paperwork proving there is a debt. Gentleman keeps laughing and making veiled threats : '' " We already KNOW where you ARE!!! '' and " You 'd BETTER do a property search on your name and social security number! HAHAHAHA! '' and then hangs up.

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 2017-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I attempted to find out why Bank of America would not provide me with assignment information about my mortgage loan/promissory note when I asked them for it via a XXXX Qualified Written Request ( QWR ) ; however, they did not provide a sufficient answer about why they did not provide that information. Instead they chose to only mention their XXXX response to a second QWR ; in which they provided me with a false assignment XXXX years late. I believe that their failure to provide me with timely notice to the XXXX XXXX violated RESPA XXXX XXXX XXXX. I also believe that the fact that they had robo-signed a back-dated assignment years after the previous mortgager XXXX Countrywide XXXX, went out of business also violated the XXXX Judgment of the XXXX Mortgage XXXX. I further believe that they should be made accountable not only to me, but also to the States Attorneys, the XXXX XXXX XXXX XXXX XXXX CFPB XXXX, and to the Dept. of XXXX XXXX XXXX XXXX, by whom they are being monitored according to the XXXX Judgment. 
What they did was wrong. They should not have been allowed, nor be allowed, to conduct business this way ; and they definitely should not be allowed to get away with it. 
I would also like to know why their responses ( XXXX and XXXX XXXX, mention that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is the current owner of the Note ; however, that not only does n't come up on the XXXX XXXX site, but I have also been given contradictory information that the Note holder is 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 2017-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: VA

Complaint narrative:
I dispute illegal Charges against XXXX XXXX XXXX and illegal switching of my plan without my consent and that dispute was with XXXX XXXX credit card services fraud and claims. I won the dispute and what was a temporary credit became permanent. And acting of revenge XXXX XXXX XXXX used XXXX XXXX and Franklin collection companies to harm my financials and destroyed my financial records and unfortunately they succeeded. I was denied loans and the ongoing issue caused me emotional distress. I was able to make XXXX XXXX take off the negative item from my report but the so called Franklin collection gave itself the position of a judge and sided with XXXX XXXX XXXX and ruined my financials .i cant sleep anymore. I filed a complaint just recently against XXXX XXXX XXXX with the FCC : ticket number XXXX. I urge your bureau to protect my rights. This is so illegal. I attached the XXXX XXXX confirmation of dispute completed and credit permament to my credit account. I have XXXX of pages to show when we go to court soon and sue XXXX XXXX XXXX for all the damages and ongoing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Coastal Financial Solutions, LLC
State: OR

Complaint narrative:
Repetitive phone calls to friends and family more than twice for each member, telling them that someone wants to file a complaint against me, inferring a criminal charge which is false. I am on XXXX and they can not collect from me and they have been told that. But they still call from all these numbers weekly harassing me and my family. Part of the messages are spoken by a human and the other parts are computer generated. 

XXXX CFS, Central Financial Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Also ID themselves as XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX? ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS. XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CFS Legal Department XXXXXXXX  CFS XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS, Coastal XXXX CFS, XXXX XXXX XXXX , XXXX XXXX XXXX CFS, CFS/Coastal XXXX CFS, XXXX, XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS/XXXX  XXXX CFS Collecions XXXX CFS/Coastal XXXX CFS XXXX CFS  XXXX CFS XXXX CFS XXXX CFS, Coastal XXXX CFS XXXX CFS ( Using State Compliance Officer Scam Routine ) XXXX CFS, XXXX XXXX , XXXX & XXXX XXXX XXXX Coastal, XXXX XXXX , CFS, XXXX XXXX XXXX , Coastal Financial XXXX Coastal , XXXX XXXX XXXX , XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX Coastal XXXX Hopeful, CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX, XXXX XXXX CFS XXXX CFS XXXX XXXX, XXXX, CFS XXXX company calling for XXXX XXXX XXXX CFS XXXX The XXXX XXXX XXXX, CFS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-10-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Based off of the recent breach in the identity theft matter with the Equifax I am REQUESTING a freeze on my report until requested otherwise. Also I am not consenting to any reporting to my report until Equifax provides me with a legit agreement that I 'm in not in jeopardy of being a victim of fraud, identity theft and so forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX is a company I never heard of never done business with! I do n't recognize this account I cant find dates or balance available for my review.

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 2017-10-13 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: WV

Complaint narrative:
I 've sent 2 debt discharge letters for them to remove closed accounts from my credit report under the G.a.a.p. Including medical bills.

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 2017-10-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: NY

Complaint narrative:
ERC has informed me that they are handling a collection account for XXXX. The issue is that the date this debt became delinquent was before XXXX and they are reporting it now as a XXXX debt so that it will age current and affect my credit for longer than legally required. What they are reporting is false and XXXX is required to furnish truthful information and so is ERC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I do not have nor have I ever had an American Express card account but they annually request my credit without my consent. This was off my report : ( see below ). 

Show less Account name AMERICAN EXPRESS Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
A number starting with ( XXXX ) XXXX calls me every single day multiple times a day starting from XXXX XXXX until XXXX XXXX  The last four digits of the number are always different. They have called me every single day for the past 8 days in a row. When I answer, nobody speaks. I have sat on the line for 90 seconds just to see if an automated system message would begin but it never has. Its just silence. When I call the numbers back, its always the same voicemail You have reached Trans World.. but nobody ever talks when they call. I feel harassed and a little unsafe as I do not know if this is a scam or not. I have told them multiple times to please stop calling when I answer the phone but Ive never gotten a response and they continue to call. When I XXXX it, trans world comes up as a collection agency and I do have an eviction in collection for {$1400.00} so Im not sure if this is related or a scam. Please help!!! This is getting very aggravating. I cant block the number because the last four digits are always different

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
My mortgage was purchased by another mortgage company, and they told me I would continue to pay the same monthly amount. But months later they asked for additional chatrges, and I asked them several times to explain the additional charges. Tey have not done so. Also they took one of my mortgage payments and redireted it into a general account, instead of applying it to my mortgage. I did not authorize them to do this, and now they claim my balance is short.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
Hi, have been struggling to repay my NJCLASS loan. I have approximately 96000 to repay and my monthly payment went up to XXXX a month after they gave me the option to do there reage program. I have been in and out of work for the past three years and my student loan almost reached default status until they offered be to do the real program which only raised my student to the XXXX dollars I pay now. I am married with XXXX small children in day care just to work in a field I did not go to school for. And because NJCLASS does not offer income based payment or lower payments. It makes it very difficult for my family to manage our finances. I would like to see this loan forgiven due to me not having work in the field I went to school for, or would like them to offer incomes based payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. I rcvd an email that my most recent dispute has been completed on, but I did n't r'cve information pertaining to my dispute as requested. 

I was told that the public records Bankruptcy and Tax Lien ( which reports on my credit report inaccurately XXXX were verified through a third party company but I did n't rcve the third party companies information. I called the court listed and I was told that they do not have information on me in regards to these two public records and if they did, they would not release this information to a third party due to violation of my hippa rights. I contacted XXXX, because this is who the other two reporting agency say they were verifying through, but as with them, XXXX advised me that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that TransUnion is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.

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 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had my credit pulled for the very first time in XX/XX/XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX XXXX XXXX and have never had any credit established in my name until just 9 months ago when I got my XXXX 's account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; TransUnion 's response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and XXXX 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.

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 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had my credit pulled for the very first time in XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX years old and have never had any credit established in my name until just 9 months ago when I got my XXXX XXXXs account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; XXXX XXXX response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and Experian 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.

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 2017-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I spoke with representative on XXXX XXXX, XXXX regarding a debt that showed up on my rental report. I requested a letter of deletion as this debt is invalid. Representative stated that company claims last months rent was reported as unpaid and additional fees were assessed, totaling the debt amount. Representative recommended sending in supporting documents such as bank statement showing receipt of rent payment. According to FDCPA, debt collectors are required to provide proof of debt, in which I have not received. I explained to the representative that I sent in a written dispute in XXXX XXXX, in which the judgement ( Docket # XXXX ), as well as collection, connected to the debt were permanently removed from all credit reports. Representative confirmed that account has been disputed online and via a third party agency, yet no debt validation has been received. Debt collectors are required to send a written debt validation letter within five days of the initial dispute, which in this case was XXXX XXXX. Given that the debt has not been validated, nor has it been proven that any debt is owed I am demanding that National Credit Systems permanently removes account # XXXX from rental report, and verify that no further collection efforts will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX XXXX credit card account : XXXX do n't belong to me. It 's not my 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 2017-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
My XXXX XXXX credit score with all 3 major credit agencies on XX/XX/XXXX was around 810. I  understand companies can use different models and the score can differ slightly - slightly being the key word. When I financed my application for loan with Hyundai Motor Finance on XX/XX/XXXX, they used a score of around 769 for me. That score of almost 50 points lower is ridiculous and would have caused me to get a significantly higher APR. Such unethical practices must harm so many customers who trust Hyundai 's name. Such a big score difference for a person with an otherwise excellent credit history can be damaging financially, but for someone with moderately good credit, it could result in predatory terms of loan or rejection of credit altogether, which could be a fair lending concern for persons of XXXX like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: ND

Complaint narrative:
I am a victim of identity theft. The following XXXX XXXX credit card account : XXXX do n't belong to me. It 's not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is a company I never heard of never done business with! I do n't recognize this account I cant find dates or balance available for my review.

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