vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
For a little over 6 months now, I have been receiving calls from XXXX financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at XXXX XXXX, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her XXXX both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of XXXX financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Recovery Services, Inc.
State: GA

Complaint narrative:
I paid XXXX XXXX back onXX/XX/XXXX16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down XXXX over XXXX points.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down equifax over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down XXXX over XXXX points.

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 2017-10-11 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: MO

Complaint narrative:
EQUIFAX CONTINUE TO LET CREDITORS OPTAIN INQUIRIES ON MY CREDIT FILE WITHOUT MY AUTHORIZATION. THESE INQUIRIES ARE REALLY HURTING MY CREDIT SCORES, I WOULD LIKE FOR THE INQUIRIES TO BE REMOVED IMMEDIATELY AND UPDATED REPORTS SENT TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
XXXX account was sent to collections, I paid the collection company settled for less, XXXX XXXX XXXX -act # XXXX Paid on XX/XX/XXXX. 
XXXX sold the account to another collection company RPM Receivables Performance Management LLC. XXXX reported to the credit bureaus that I owed the remainder of the balance. RPM contacted me several times to try and collect what XXXX told them was a balance on the already settled account. I called XXXX several times to provide me with a letter that showed my payment settlement so I could provide proof of payment to RPM, I finally received proof in XX/XX/XXXX and sent to RPM VIA email. XXXX should have sent proof of payment within 10 days of my payment. XXXX should not have sent the remainder out for collection or reported it to the credit bureaus as owing a balance on the account. 
My Credit score has dropped due to this XXXX falls reporting.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Violation of the contract per the HUD XXXX statement was noted on XXXX/XXXX/XXXX with a incorrect interest rate adjustment being imposed via XXXX mail. XXXX ( employee # XXXX XXXX in Special XXXX Department assured us it was corrected from 2.625 % to 3.25 % XXXX the correct interest rate adjustment ) and did not know why someone was going into our account at this point of the year and adjusting our rate incorrectly. Today XXXX/XXXX/XXXX XXXX employee # XXXX in a recorded conversation by me was not able to explain why the interest rate was adjusted again and why XXXX payment due was calculated wrong again. There is gross mishandling of accounts and poor customer relations ( ie calls dropped or transferred.

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 2017-10-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXXXXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). 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 non-monetary relief
Consumer complaint received 2017-10-11 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Please note that Im mailing my final documents using Reference Number XXXX to inform you that I did settle an amount on my NFCU Accounts but Im not satisfied with the state of my credit. After thoroughly investigating the NFCU- PPP complaint the attached letters displaying the organizations ( NFCU and XXXX XXXXXXXX XXXX Letter Head with Logo validates that XXXX XXXX did in fact purchase a PPP and was eligible for protection during the time that NFCU sent the accounts to collection agency, it doesnt magically erase the unjustified damage that was done to my good credit nor does the letters cite blame or initiate consequences for NFCUs mishandling of a service they offered and didnt render as designed. On XXXX/XXXX/XXXX NFCU sent me a letter for an Redress Payment as terms of a settlement between NFCU and CFPB to be applied to my account in effort to keep a positive relationship with me and adhering to their standard of excellence with members. I strongly disagree with the commitment to any standard of excellence extend to me while we were in litigation to resolve a matter that was initiated because NFCU failed to render on a service that I paid for. I will also send a letter to the Better Business Bureau as well. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I paid Barclays Bank back on XXXX/16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal

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 2017-10-11 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: Innovis
State: IN

Complaint narrative:
ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND ANTHER ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: LEXISNEXIS
State: IN

Complaint narrative:
ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND XXXX ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar Mortgage became servicer of my mortgage for XXXX XXXX XXXX. While I was doing a modification with Nationstar/Mr. Cooper ( now ) XXXX filed foreclosure had a sale etc. sold property at sale did not notify me or my attorney at that time also I was in CH XXXX/Bankruptcy. When we went to court had sale vacated, the purchaser was refunded his money and the Deed was deeded to me. That was almost 4 years ago, but this was not really a clear title. Contact with XXXX and Nationstar both denied the sale action. I have correspondence to prove it. I have tried to get status from Nationstar to know avail. Now the HOA is trying to foreclose ( dues ) put lien on property, I went to Nationstar again, this time after 4 months they admitted the mix up/wrong not in writing. Said I could stay in house until I die no payments, but if I sell would have to do a short sale, with no funds to me. I am trying to get a loan etc or sell to pay HOA but I really did n't pay because not sure of ownership but can not because of this problem, HOA O/S is about 7K but about 25K in attorney fees another issue over the limit of fees for this case. This is in Florida HOA filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
At the start of my first lease through XXXX XXXX, the sales manager who guided me through the process gave me a few pieces of information that I later learned were untrue : ( 1 ) " There is no leasing company. '' I clarified by asking whether this meant that all their leases were internal, and he confirmed that they were. They 're not.
( 2 ) " You 'll never need to buy tires for this car. '' He told me this as he was handing me the coupon book for my maintenance agreement. You can imagine my surprise when I brought the car in a couple years later with worn out tires and discovered that they were charging me for the new ones.
( 3 ) " Overage miles are {$0.00} per mile, but you only pay that if you walk away. If you sign up for a new lease, they usually waive that for you. '' He went on to talk me into upgrading to XXXX, to cover any repairs that might be needed. " Do you plan to keep leasing? '' he asked. Then with XXXX, he explained, I would n't have to worry about any fees at the end of my lease. 

The first two times I learned that what XXXX told me was wrong, I let it go, willing to assume that he meant well and must have been mistaken. But, each " mistake '' has been significantly more expensive than the last. The overage fees came up two days after I 'd upgraded to a new lease ( XX/XX/XXXX ). The salesman for this new lease ( not XXXX ) texted me ( on XX/XX/XXXX ) and told me that " the new car deal is n't complete without closing out the old car, '' which meant paying overage fees and wear and tear, which XXXX 's employee, XXXX, had specifically told me not to worry about. This new salesman pressured me to pay these fees within the next couple of days, even though I had not yet received the inspection report detailing what repairs the wear and care fees included. 

I went up the chain and ended up talking with XXXX XXXX ( who I was later told was the owner ) the next day ( XX/XX/XXXX ). I explained that their salesman had put me in a bind by setting me up to be completely shocked by thousands of dollars in charges. He was completely unapologetic and unwilling to take responsibility for his employee 's XXXX up. I even offered to meet him halfway on these fees and split the costs with XX/XX/XXXX. He refused, saying that he would be " generous '' enough to pay one-quarter. 

I told XXXX that I could n't afford that much on such short notice. I added that the salesman on the new lease had let me know that the deal was not finalized until these fees were paid, and that I did not want to move forward under these terms : I told him to stop the deal. The next day XXXX called me back and told me that the deal had been finalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently experienced hail damage on my roof in XXXX when a storm came through XXXX. I filed a claim with XXXX XXXX on XX/XX/XXXX. After the adjuster came to the house a final report was completed and a check was issued and mailed to me. Per my instructions, I forwarded the check in the amount of {$6100.00} to my 2nd lien holder ( XXXX XXXX ) for endorsement after a couple of weeks of waiting, I called in to check status and was told that my mortgage had been service transferred to Bank of America ( "  BOA '' ) and that they had forward the check to them for endorsement. After waiting a couple weeks for the transfer to take place I started calling BOA to check status. Day after day, week after week, they continue to tell me that they were still receiving mail from XXXX and that they had n't received the check. After two months of waiting, BOA advised that it appeared the check was lost and that I should have XXXX reissue a new check. As such, I contacted XXXX and they put a stop check on the original check and reissued a new check. On or about XX/XX/XXXX, I received the new check and sent it overnight directly to BOA for endorsement per their instructions. I followed up a week later to check the status of the check, and was advised it was still in processing being endorsed and it should be completed within 2-3 business days. On or about XX/XX/XXXX I followed up a week later and was told the proceeds had been wired to XXXX, my 1st lien lender. So I called XXXX, and was told they had not receive any proceeds and that they did n't even accept wires. I called back into BOA, each time holding anywhere from 10-30 minutes for a representative. This time, I reached XXXX ( ID XXXX ) who advised that a check had been sent regular mail to XXXX on XX/XX/XXXX and I should give it 5 business days to arrive. After waiting a week, I called XXXX, and of course they had not received it. I called again a few days, later, still no luck. Finally, today on XX/XX/XXXX, after calling both companies twice to check status, I finally got XXXX ( ID XXXX ) at BOA to do more research and tell me that they had sent the check via XXXX on XX/XX/XXXX to XXXX. I confirmed the tracking number online and confirmed that XXXX XXXX of XXXX had signed for the package. It has been almost three months since the first check was issued, I still have no proceeds, I have had to reschedule the roofers twice, I have sustained additional damage to my interior due to holes in my roof and the subsequent rain storms that are now not accounted for in the adjusters report. I am beyond frustrated and desperate to get this resolved, but have no way to get any help and each servicer just keeps pointing the finger at the other. I have no other ideas other than to ask the CFPB for 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 explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My monthly mortgage insurance premium is exorbitantly high.

Company response to consumer: Closed with explanation