vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I refinance my home XX/XX/2017 with village capital investment loan office at closing he had to sing closing to sign several times. I did but I had to call cause I told him my taxes was incorrect he said no they are right I told that is not what XXXX XXXX appraisal letter I fax over to you. After my house close I contract mortgage company to let them know about my taxes information. My house note went up due to a shortage of escrow put in at closing. I contact village capital spoke with XXXX  she tired to work on the case she also so the taxes was wrong. A big difference from $ XXXX month til {$190.00}. XXXX XXXX   enter the wrong amount. XXXX XXXX was my loan who falsify my taxes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I figured I fixed the problem, I got this loan in 2014, and Im getting text message from a attorney XXXX XXXX stating that if I dont pay this loan back I will be arrested or go to court if I didnt pay {$1300.00} or go to court and pay {$17000.00}. But here is catch I can pay them an settlement of {$890.00}, now this text message I received was XX/XX/2018 at XXXX. I have to contact this lawyer at this number ( XXXX ) XXXX, but the text message came from ( XXXX ) XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
What happened is that I bought the debit card to make a {$100.00} donation online. I loaded the card at XXXX. It is card ending in XXXX. Expiration XX/XX/XXXX. I noticed that on the back of the card it states : * No credit check. Clear, Easy to use and Simple. Buy online.. XXXX  prepaid Crd Reloadable.

This card can not be used until purchased, loaded and activated. Flip open to see fees and more. I thought I would be able to donate online and not have any issues with this card because of the verbage of having no fees and no hidden fees.

I spent about 2 hours on the phone trying to decipher why my card was saying deficient funds to the Orginization that I was trying to donate to.

I found out that there were hidden fees involved. At first, I feared someone had stolen my {$1000.00} off the card! The Agent and her Supervisor explained that there are , {$2.00} fees every time I use the card. Then I was informed that I had to go to a Loading Station.

I was furious! I told the Supervisor to refund my {$100.00} to me in the mail. Then she said, there was another way she could help. This was at or about the 2 hour of continuous, precious, time I was spending on the phone, trying to resolve this issue.

I am requesting a {$100.00} check be sent to me. I want to shut this card down. I still don't understand all the associated fees with tthis card. I don't understand the requirements to not have fees assigned either.

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 2018-06-11 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:
I recently downloaded the XXXX XXXX app because I want to get serious about getting my credit score up. That's when I saw the 2 items on my XXXX score.

1. Wakefeild and Associates opened XX/XX/2014 for {$940.00} and the original creditor was the XXXX XXXX.

2. Wakefeild and Associates opened XX/XX/XXXX for {$590.00} and the original creditor was also the 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 explanation
Consumer complaint received 2018-06-11 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: GA

Complaint narrative:
There are over 34 inquiries on my credit reports that are not valid on all three 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 2018-06-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've called Equifax 3 separate times today and told 3 separate answers to this question : Will filing a dispute affect my credit score? A few times, I was told no or it shouldn't. Then the last time an overseas representative said yes.

My score went down 13 points because I have disputes ongoing and XXXX XXXX in specific said they reported to Equifax on : XX/XX/XXXX - " midland funding reported account under collections with - dispute status - the unpaid balance that was reported is {$710.00}. '' per rep. This account with XXXX XXXX had ALREADY reported this to agencies XX/XX/XXXX. They told me they report twice in a month. So, for over a year they have reported often with no change in score points until this dipute.

I disputed the account and now my score went down? And the collection representative verbally validated that. A credit monitoring showed it was XXXX XXXX collections due to adding remarks about a dispute - was the reason the score went down 13 pts.

" The FICO score will not allow an item that is actively being disputed to harm your score. When the XB code is present on an account, a public record, or a collection, the FICO scoring system treats it differently than it would if the account was not actively in dispute.

This is where the confusion comes from. The FICO score will not allow an item that is actively being disputed to harm your score. '' Nothing changed as far as a payment, etc. TODAY I asked Equifax to stop the dispute. Also, Equifax should fix my points - add them back to my score.

Lastly, XXXX, nor XXXX touched my score and I disputed with them as well. I have paid off 3 or 4 collection accounts and my score will only go up 1 or 3 points, but it always go down 13 to 24 points if something is added.

Please look into this and have them to add my points back on as nothing happened on my credit report to justify this. Again, actually, I paid / removed 4 accounts and only Equifax barely show an improvement in the scores while the other 2 major agencies shows great improvement.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Re Account ending : XXXX My XXXX account was charged numerous overdraft/extended overdraft fees, returned check fees, overdraft transfer fees as a result of a stop payment on a check issued by Capital One in the amount of XXXX. I have attached statement copies to this complaint showing a total of fourteen ( 14 ) overdraft fees, a returned check fee in the amount of XXXX, an overdraft transfer fee also in the amount of XXXX. The total is XXXX in fees, these need to be refunded back to my account, a check sent for difference. A XXXX XXXX with Capital One insists a second check issued in the amount of XXXX on XX/XX/XXXX, cashed by a XXXX XXXX, lives at my address when she in fact does not. The statement will show I was in XXXX XXXX during the time the check was sent on XX/XX/XXXX, it was not signed for by myself which is fraud. I did not receive the funds, Capital One still owes me the amount of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 I was charged XXXX dollars overdraft fee because my account was overdrawn by XXXXXXXX XXXX. I noticed the fee but I didn't call until XX/XX/2018 when my checking account was hacked and had an unknown charge so I also complainted about my overdraft charge.

I spoke with a manager named XXXX who told me that the charges couldn't be removed. I told him that I have 3 other accounts in Fl banks and I have never seen this happened. Particular one of the banks told me the couldn't charge a customer for less than a dollar. XXXX   told me that there was not law that prohibited him to charge the account if it was not covering the full balance and that my charge was staying on the account.

I have proved of the bank statement as well as a picture of the mobile site and the account was only XXXX XXXX under. I am not sure if this a case that can be investigated, but in my opinion this is an abuse to a customer. I attaching a picture for your review. 

Please help!

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 2018-06-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are over 34 inquiries on my credit reports that are not valid on all three reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: GA

Complaint narrative:
There are over 34 inquiries on my credit reports that are not valid on all three 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 2018-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, American Express sent me an email stating my payment had not arrived. I never set up for such email alerts. My payment is due on the XX/XX/XXXX and was not late. I called on XX/XX/XXXX to inquire about my payment and it was received XX/XX/XXXX. So not only was my payment received before the email was sent out, it also was not late. I requested that the email alerts be removed and he said I had to do it online. I'm on vacation and don't have time for that. So not only did I have to take time out of my vacation to call them to inquire on a payment that was received now I need to remove myself from such alerts that I never signed up for. I want American Express to stop emailing me and remove me from any email alerts they send to my email. My payment is always made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates has illegally placed a debt on my credit. I have no knowledge of this debt and I do not have a contract or agreement with this company. This company did not legally provide any written contract information in regards to this debt nore did they contact me in regards to this debt. They have violated my credit rights and need to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: CA

Complaint narrative:
I first contacted Equifax in XX/XX/2018regarding the reporting of the XXXX XXXX XXXX XXXX. One that it is listed on my credit report twice with the same account number and second that this account belongs to a family member with a similar name and dob ( except for year born ). When Equifax responded that the account was verified as accurate, I asked them in writing to provide documentation of any signed contracts, who they spoke with and dates. Any information that would substantiate their proof of verification and so I can go back to the company. And also sent them verification of who I am so that they can verify signatures and dob.. When Equifax came back again stating it has been verified and still did not provide copies of any documentation used to verify this information or names of the person contacted it leaves me to believe they, Equifax is just sending out letters and not making any effort. As Equifax can see I am in the process of making payments on time, paying off bills, being more responsible and raising my credit score. It doesn't help if they are just processing complaints and sending out generic letters. Which in turn lowers my score the longer inaccurate information is listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Buckles & Buckles, P.L.C.
State: MI

Complaint narrative:
Buckles & Buckles P.L.C., a debt collector, along with XXXX XXXX   continue to attempt to collect a fraudulent debt ( Buckles & Buckles File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, Buckles & Buckles P.L.C., along with XXXX XXXX, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both Buckles & Buckles P.L.C., and XXXX XXXX several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both Buckles & Buckles P.L.C., and XXXX XXXX multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both Buckles & Buckles P.L.C. And XXXX XXXX that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before Buckles & Buckles, and XXXX XXXX claim I applied for, and opened the account.

Buckles & Buckles P.L.C., in conjunction with XXXX XXXX, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
*XX/XX/XXXX - Started XXXX XXXX job and XXXX was servicing my loans at the time *XX/XX/XXXX - Asked about student loan forgiveness and XXXX told me that because I was working at a XXXX XXXX   job that I could receive student loan forgiveness.

XX/XX/XXXX*I was told my a co-worker at my XXXX XXXX job that I needed to fill out some information regarding my XXXX XXXX  status *I contacted XXXX   and they agreed ( never told me to fill anything out in the past ).

*Information was filled out and submitted to XXXX showing backdating to my XX/XX/XXXX hire date that was verified by my employer *XXXX told me that I had to be on an income driven repayment plan for student loan forgiveness, which actually lowered my payment. They told me that because I was paying more than the amount at the reduced rate that all of my on-time payments in the past would qualify for student loan forgiveness XX/XX/XXXX*Received information that XXXX would now have to service my loans due to the Student Loan Forgiveness Status XX/XX/XXXX *Asked XXXX XXXX , why my qualifying payments only showed a few payments instead of all payments backdated to theXX/XX/XXXX ( when I started my XXXX XXXX job ).

*They told me that they would have to verify with XXXX that all payments were " close '' enough to the payment that I had with XXXX ( as well as verify that my payments were on-time ) to have all of my payments reflect my XX/XX/XXXX XXXX XXXX start date Numerous months during XX/XX/XXXX and XX/XX/XXXX *Asked XXXX about the status of the XXXX verification and nothing could ever be done, escalated to supervisors on more than one occasion via chat and phone call XX/XX/XXXX *Told by a XXXX representative that none of my payments from XXXX counted towards student loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
Account was opened XX/XX/2015, I did not find out about this until recently when I saw it on my credit report. I tried to contact the company, but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
My husband and I purchased our new construction home in XX/XX/XXXX. We have never missed a payment and I refer to the monthly statement carefully. Our mortgage loan is with Freedom Mortgage and at this point I am contemplating whether we should move to another mortgage company or bank. At the time of closing our Taxes ( payment to Escrow ) was {$220.00}. I would always make a payment of {$2300.00} to {$2500.00}, again never late. In XX/XX/XXXX we did receive an Escrow refund check. I was advised by Freedom Mortgage that this was my money ... I should worry about having to return it to Escrow. Escrow is new to me because with our prior home loan we paid the taxes on our own. In my XX/XX/XXXX and XX/XX/XXXX there was {$0.00} applied to taxes. On XX/XX/XXXXI received a letter from Freedom Mortgage demanding a full payment of {$8800.00} or my payment would increase to {$3300.00}. Neither option was easy for us. The increase in monthly payment was impossible, so my husband and I opted to getting a loan from our 401K retirement account. It still isn't ideal, but we felt we were left with no choice. When I called Freedom Mortgage and in speaking with the Escrow specialist they admitted that it was overlooked. I feel strongly that we were taken advantage of maybe at closing, I am not sure. Is there a possibility to get refunded if it wasn't our fault?

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 2018-06-11 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: Phoenix Financial Services LLC
State: MO

Complaint narrative:
Several calls have been made for a few months asking for a person who I do not know. The first call I stated the wrong number had been dialed. Since then several more calls have come through almost a week to 2 weeks apart. I have stated DO not call this number again as that person is not at this number. 2 of the calls the reps where argumentative and hung up on me stating they would not call again and my number had been removed. I expressed it was illegal. Today XX/XX/18 another call came in. I asked the same of the rep to remove this number and then I called back to speak with a supervisor. I asked that the calls that where pre-recorded for my number be reviewed. This is ridicules. This company is not following the law and are harassing me and I am not even a customer so I can imagine if I was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: IL

Complaint narrative:
I have sent several request to have fraudulent accounts removed from my personal credit file. Each time they return as being " verified ''. As a result I have requested the method of validation and also how are the accounts are being verified, which in return I have not received anything but a copy of another credit report with the same exact information included. This is considered insufficient validation of debt. Per FCRA 609 I need the signed original contract.

Company response to consumer: Closed with explanation