vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 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: NC

Complaint narrative:
I filed a dispute with XXXX on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX  XXXX/XXXX XXXX  which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX   XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by XXXX XXXX. I also had this same account listed on my Equifax credit report and I disputed it there, as well. I received the same notification on my Equifax report stating, " XXXX XXXX  Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my Equifax and XXXX  credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX  will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I noticed when checking my credit report that I have a collection from LVNV Funding I reached out to them asking what this was for, I have attempted to contact them via the mail to get documentation that this account is mine and what they are collecting for? 

I got no responses at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
On XX/XX/2019 I applied for a position with the employer XXXX XXXX XXXX XXXX they had me consent to a background check. Three days later I received an email from Checkr. They listed a Nole Prossed charge of leaving a scene of an accident and also stated that they have a nine year old charge of driving with a suspended license. So I called Checkr and spoke with XXXX with Checkr and filed a complaint to dispute these issue. I asked XXXX if she knows what Nole Prossed means and she stated No but she works at a background reporting company and is involved with reviewing peoples background reports. That is very scary and neglent. The worse part is damage is already done. They are exposing me to an employer and causing me to look bad. They have those two items on my report with clearly shouldnt be disclosed to any employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX  you are in violation of reporting a alleged account that is in dispute it was not and has not been verified as legal or accurate to report XXXX XXXX XXXX has no right to report to you .you clearly are violating the FCRA this was referred to the CFPB case XXXX on XX/XX/2019 remove this account at once

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: AL

Complaint narrative:
date of bill recieved princable interest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX princ pymt of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no pymt show and balance went up from XXXX to XXXX loan was for XXXX over 12 years XXXX a month i pay every month from wells fargo bill pay and it gets to them in a day or two lots of phone calls seems like no one know what XXXX saying and a differant persons name every month on the poc on the bill I am getting ripped off iam not a banker but know that these charges and process cant be right.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: U.S. BANCORP
State: TN

Complaint narrative:
Was contacted on XX/XX/XXXX about a debt from XX/XX/XXXX. Was threaten to be sued over debt that I thought was resolved. Was very aggressive over the phone and attempted to immediately take payment. I agreed to review a payment plan to get off the phone. Called again XX/XX/XXXX and XX/XX/XXXX attempting to collect. I did not answer these times and saved the voicemails.

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 2019-01-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2019, I received an email stating we did not qualify for a mortgage loan. And as, first time home buyers, we clearly met and qualified for their program. I have continuously email the processing senior loan officer processing our application and have waited days and weeks for a response! 

On XX/XX/2019, I received another email stating our FICO score results and clearly meet the bank 's requirements. 

We feel that we have been discriminated against based on our FICO credit score worthiness, despite meeting the banks requirements.

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 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I contacted Midwest Recovery Systems on the beginning of XXXX to resolve an old 10yr old debt of {$960.00}. The company advised me the debt was to be removed from my credit. The debt is still on my account, and Midwest Recovery will not respond to any further attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: NC

Complaint narrative:
ERC Corporation, is in violation of 15 U.S.C 1692-1692p. On 2019 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ERC Corporation, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. The individual calling did not want to provide information to me that would help me to understand the propose of his call. 
I was unable to talk at the time of the initial call, so i called back and spoke with a young man by the name of XXXX. I verified with him my name, and the number in which i was calling from. upon locating a reference number, XXXX was able to provide the for reference number without me providing him with additional personal information. XXXX apologize for the way i was treated and would investigate the matter further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
This Company ... Carrington Mortgage ... .calls repeatedly and I have NO debt, with them or anyone. they call at odd hours and leave a number to call back. I have tried and it is a fax machine with no human available. At the end of their pitch, they state that they are required by law to state that they are a debt collection agency. 

the # they leave is XXXX. 


They have called on XXXX and XXXX. They have called in XXXX on : the XXXX, the XXXX, the XXXX, XXXX, XXXX, and on the XXXX. Then again on the XXXX, XXXX, XXXX and the XXXX. They just keep calling .... I have NO debt. What a pain in the you know what!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore has intentionally obstructed the loss mitigation process for our home, has engaged in unethical and illegal foreclosure practices ( pay to play?? ) as well as denying access to mediation as required by New Jersey state law. My family has owned our home for 41 years and have attempted on multiple occasions to work out a loan modification or sale of the property. Instead of considering options and conducting a fair review Rushmore has blocked us at every turn, attempting to sell the house while still under federal bankruptcy protection and informing us that we can't be considered for any type of compromise or work-out solution unless we pay $ XXXX in cash upfront??? Rushmore along with foreclosure firm XXXX XXXX have engaged in unethical and illegal foreclosure practices and have my family facing a foreclosure sale date scheduled for XX/XX/XXXX. This was set up even though our home is still under bankruptcy protection but they have attempted to file a motion to remove stay so they can steal our property. My husband was a very successful XXXX  who XXXX XXXX XXXX XXXX XXXX and we never had a problem with our mortgage until Hurricane Sandy. When we struggled financially we tried to work things out with Rushmore but my husband passed away last year and they refused to continue negotiating with us. I provided them with the legal paperwork showing I was the rightful heir and executor and that they should negotiate with me but no progress. We gave them a good faith payment of $ XXXX in hopes this would break the logjam, but we found ourselves back in the same situation -- no review of our current and correct financial circumstances and a rush to auction our property. We have some equity and have also been trying to sell the property but they won't give us time. 

We took out this adjustable loan through XXXX in XXXX and then switched to XXXX. Hurricane Sandy destroyed our home and the government got involved and XXXX dropped our payments from {$8500.00} a month to {$5000.00}. In XXXX the loan transferred to Rushmore and they suddenly raised our payment to {$13000.00} a month. This corresponded with my husband 's health issues ( XXXX then XXXX ) which limited the amount of time he could XXXX   XXXX  -- this was exacerbated by a servicing transfer on our boat loan to XXXX XXXX. We had renewed the loan every 7 years but when XXXX took over they called the note in ( XXXX XXXX balance ) and we had to sell the boat. At that time the boat market was soft and we could not find a buyer to pay full price -- we found one who offered 75 % and XXXX XXXX  said they would accept that but they wanted to use their own broker on the deal so they could double-dip. When that fell apart XXXX called the note and seized our assets and bank accounts. This began the problem with the mortgage and ultimately when my husband passed away Rushmore blocked everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 I had XXXX available in my checking account I paid a bill in the amount of XXXX that was debited immediately from my account leaving me an available balance of XXXX I received a text message after I paid the bill. later that night I had an emergency so I debit {$300.00} from my account and was notified I will receive {$35.00} overdraft fee for the transaction leaving my account negative XXXX. on XX/XX/2019 I receive notification my account is negative XXXX which is the amount including the overdraft fee. Then on XX/XX/2019 I receive notification that my account is overdrawn XXXX because my payment of XXXX that was debited immediately on XX/XX/2019 and the overdraft fee. This is not the 1st 2nd or 3rd time I have been charged for transactions that had been completed already.

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 monetary relief
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
on XX/XX/2019, between XXXX and XXXX XXXX., US Bank sent out a third party vendor to my address # XXXX XXXX XXXX, XXXX , AR XXXX ( which is really in XXXX, Arkansas ) and they went in and winterized the house. The order # that was left on my front door was # XXXX ( name of company XXXX ), they stole a bunch of stuff out of my house and destroyed some of my stuff, which US Bank says I still own the property as of right now. I have made a list of all the stuff they stole. 

XXXX '' XXXX Digital Photo Frame Deluxe XXXX Coffee Maker and a box of coffee that was never opened ( both brand new ) XXXX Juicer Expensive pair of binoculars 1 or 2 totes, they threw my pictures in the floor and stole the tote they were in XXXX  Woven Clothes Basket, brand new A XXXX Digital Camera XXXX XXXX Lantern, still in the box A Single Serve Coffee Maker, stainless steel with a stainless steel cup that went with it XXXX  XXXX  XXXX Tree in a XXXX  box with soft gel like flowers on the ends of the branches They broke a brand new big picture frame They broke a new set of Owl Bowls in the kitchen XXXX XXXX XXXX XXXX Ice Cream Cone Maker XXXX and Stainless Steel Waffle Maker, brand new I've tried talking to US Bank several times, about this, and they won't help me. 

They won't give me the third party vendor 's phone number or anything either. 

US Bank should be liable since they are the ones who sent these people out to my house. 

Sincerely, XXXX XXXX XXXX phone XXXX Work phone 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 2019-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Santander Consumer USA has a statement and a collection department that do not agree. They will not send me a statement by mail to reconcile. They have threatened to repossess the car. I may have to file bankruptcy. The won't fox the XXXX XXXX  or repair the recall to make the car run correctly. It is still under warranty XXXX XXXX  XXXX in XXXX, TN sold me this car and it still isn't running right. They make treats and say they will repossess it. Their online computer does not agree with my payment records at all. I have lost jobs and left it in XXXX XXXX dealership for 12 days And it isn't correct yet XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
AUTHORIZATION FORM ATTACHED Flagstar is acting with gross negligence and incompetence regarding a financial matter. Flagstar is unable to handle the amount loans they service. Like XXXX XXXX they need to be fined and have heavy oversight due to their negligence regarding loans. 

At issue is the fact that Flagstar keeps repeatedly requesting documents they already received and we have proof of receipt. To make matters worse when 3rd party requested to speak with a supervisor on XX/XX/19. The representative stated that the supervisor would ignore requests for escalation. When it requested to speak to a different supervisor 3rd party was advised there was only one supervisor for the entire loss mitigation department. This is unacceptable there needs to tally of the entire amount of loans Flagstar handles and how many loans are in loss mitigation. There are thousands. To have one supervisor for thousands of files, it's no wonder they wont take calls. This is criminally negligent and needs to regulated properly immediately.

Flagstar requested an HOA statement when there is no HOA on home nor anything provided alluding to HOA.

Flagstar requested the food expense be completed on workout package when it was already completed with the amount of XXXX. 
Flagstar requested 60 days bank statements when 90 days were provided On our previous complaint Flagstar immediately rejected due to no authorization form when they received it back on the XXXX. It's attached again here.

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 2019-01-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, Equifax, XXXX  and XXXX  are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XXXX of XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on Equifax and XXXX 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX   XXXX  XXXX XXXX  XXXX  XXXX Reporting on Equifax, XXXX, and XXXX 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on Equifax, XXXX, and XXXX  1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 3. Balance of {$1200.00} incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NM

Complaint narrative:
I originally began this complaint with the Attorney General Of New Mexico and the XXXX XXXX XXXX   on XX/XX/2016 because of the harassing and threatening phone calls that I received from Castle Credit. I paid my bill faithfully until earlier that year when I went into a hardship. When I could pay my bill the phone calls started. I told them to stop calling me and to only contact me via email but they refused and I kept getting threats from them about taking my house because there was a lien on it. I later found out they put a lien on my house fraudulently when they opened the contract which I was told was against the law because my payments were current. I met with an assistant attorney general and I was included in a consumer complaint. I was copied on an email that informed Castle Credit to contact them only and not me. Beginning last year I began getting phone calls from Castle Credit again, on my phone and my work number. I told them again not to call me but the phone calls continue. I have been trying to find information about the case from the Attorney General but have not had any luck but was told to file this complaint.

Company response to consumer: Closed with explanation