vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NC

Complaint narrative:
I had an account with Lending Club. I contacted their office and asked for a payment to be moved for a month. Moving the payment from XX/XX/2018 to the end of the term. I was planning to pay off the account in 30 days. I received a letter stating it had been sent to collections. I was very upset and contacted them immediately. I had never had a late payment. I did pay off the account in full XX/XX/2018. I asked that the 30 day late posting be removed from my credit to reflect " Paid in Full and Paid as Agreed ''. I thought this had been completed. I got a copy of my credit report yesterday and found that Lending Club had reported my account as 30 day late and paid in full. This wasn't handled properly on their end and they didn't follow the instructions we had agreed upon. I have not had a 30 day late on my credit. This is having a negative effect on my report. I ask that this mistake they made be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capitall One sent an offer entitled " 360 Money Market ''. It offered an interest rate of 1.60 % APY with up to {$500.00} in bonus cash. The account is referred to as " 360 Money Market '' in five different places on the written offer. It also has a quote by a Money Market customer saying, " Great Interest rate, super easy website to navigate, easy to open, EASY TO MOVE MONEY ''.

When I went to a Capitall One Bank to open the account, I was told that it had to be a paperless account. Next, I was told there would be no way to designate a beneficiary until at least the end of the summer. When I asked if I would be able to write checks on it since it was entitled " MONEY MARKET '', I was told NO. I was further told that it is a savings account and NOT A MONEY MARKET!!!

To me, this is outright intentional deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I recently reviewed my credit reports and noticed a collection account stemming from an XXXX XXXX   account that I have never opened. This account is being reported as a fraudulent account under my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 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: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Collection Agency : Contract Caller Inc.
Date reported opened : XX/XX/2018 This company is a third party collection agency for XXXX XXXX XXXX. This account was opened years ago however this company unfairly reported that this account was just opened 2 months ago. Usually a collection account will stay on my credit report for 7 years from the original date of delinquency. This company reported in accurate information. This was not the first collection agency taking over this debt. Is a company allowed to report the current date if they just acquired this account or are they support to report the original date?

At this rate, this collection will never clear my report if it keeps resetting every time this debt is purchased by a new collection agency. I need to know are my rights when it comes to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, I made an application for a mortgage with Navy Federal Credit Union and paid {$18.00} for a credit report inside the Navy Federal branch XXXX Florida. I received an email which assigned XXXX XXXX as my loan officer and uploaded my documents. I waited a few days before I reached out to her despite the email saying that she would contact me. On Friday XX/XX/XXXX> I briefly spoke with XXXX XXXX who stated she couldn't get me the original loan request but if I could accept a lower loan amount she would send the loan application to the underwriters. I waited a few more days and emailed her on XX/XX/XXXX at which time XXXX XXXX responded that my loan application was denied and that I would recieve a letter in the mail. Ive been waiting on the this letter since but have not recieved one. I called the customer service phone number for Navy Federal on XX/XX/XXXX to inquire about the denial letter, I was told that XXXX XXXX would email the letter by XX/XX/XXXX as the Mortgage person could not see what the reason was. I have not received an email or letter yet regarding the denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I'm being harassed with calls everyday on my cell phone which I didn't give them consent to call. In addition, a rude person is calling when I advised the company that I'm experiencing some financial difficulties and I will make a payment when I'm able to. Due to the frequent calls I'm now experiencing XXXX and 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 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
I recently reviewed my credit reports and noticed a collection account was posted for XXXX XXXX I never received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I filed numerous complaints for First Federal Credit Control in regards to a account of {$800.00}. The collection agency has not presented any documentation as evidence that I legally owe this alleged debt. First Federal Credit Control has provided a itemization of charges which is not what I requested and also a signed authorization form to release medical records which also not what I requested. I requested a signed contract or instrument bearing my signature proving that I legally owe the debt. The collection agency responded stating that there is no provision in the FDCPA to provide the signed document. However, under the FCRA, section 609 ( a ) ( 1 ) ( A ), the CRA are required by federal law to verify- through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT-any and all accounts they post on a credit report. Also under the FCRA, unverified accounts must be removed and if the copy of verifiable proof is not able to be provided, they must remove the account. I have been requesting a contract bearing my signature because it is by federal law that one is verified by the CRA to prove that I legally owe the debt. If a signed contract can not be presented to me then one will need to be presented to the CRA by law. If a signed contract can not be provided to CRA then this account needs to be removed under the FCRA. The collection agency has already openly admitted to not having a signed contract to legally prove that I owe the debt but refuses to remove the account which violates the FCRA. Under the FDCPA it states that collectors are not allowed to give inaccurate information about the consumer. I filed numerous complaints about the CA providing inaccurate and incorrect information previously presented to me in a form of a invoice. However, the account was still not removed for its inaccuracies but instead changes were made to make me the only party involved which violates the FDCPA. The collection agency has been non compliant with my requests. They violated HIPAA by presenting documentation including my mother who has no relationship to this account. They violated the FDCPA by presenting documentation with inaccuracies and also violated the FCRA by not having a signed contract bearing my signature. As a consumer I still have rights to privacy and fair practices.Collectors must abide by the FDCPA and are not allowed to treat consumers in any way that is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: TX

Complaint narrative:
Equifax and XXXX  keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
XXXX has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
Equifax just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I had an account opened with XXXX in XXXX the payments got to high so i canceled with them leaving me with a balance of {$380.00}. They were billing me one month in advanced and a partial month. I payed the partial i refused to pay for services that i did not use i returned the equipment and the lady told me i was all set with a XXXX   balance. Mind you i have two accounts with them in witch one account stood open actually till this day witch i am in good standard with. For the last two years never heard nothing till XX/XX/XXXX got a letter from Southwest Credit asking for money the balance was {$360.00} they offered to settle at {$230.00} That was sold to a 3rd party collection agency. In the letter they stated i could either resolve it or dispute it, so i started disputing it with XXXX. I opened an investigation and it was requested to be deleted from any consumer credit reporting agency.XXXX  had ceased all collection activity and it was deleted off my credit report. All of a sudden my credit drops down 10 points and to my surprise i am in collection once again. This is uncalled for i had fought for this to be removed I was not found at fault this is my credit and it means something to me i have been working on it for a long time please look into this for me and help me in any way you can i would greatly appreciate it so much. Thank you in advance for your time and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I use a rewards app called XXXX, whose service provider needs access to my credit card transactions in order for me to get the rewards points for purchases made with my card. ( Capital One XXXX card. ) Capital One is no longer allowing me to give XXXX access to my transactions. I have a right to share my credit card data with this app and I would like Capital One to grant this access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
They are trying to charge me {$110.00} for {$5.00} overdraft when i was within a 24 hr grace period. They gave me a confusing story its robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a a US Bank personal checking account in person on XX/XX/XXXX. I deposited {$25.00} in cash to both checking and savings.

OnXX/XX/XXXX I received a phone call from the bank rep that opened my account asking if I was able to get online banking set up and if I had any questions. That same day I transferred {$1400.00} from XXXX to checking account. 

On XX/XX/XXXX my debit card arrives but my checking and savings accounts disappear in online banking. 

On XX/XX/XXXX I am no longer able to log into online banking and get a message directing me to call US Bank. 

On XX/XX/XXXX I call US Bank and I'm told that " new accounts closed my account citing the terms and conditions that they can close accounts for any reason or no reason. I was told to call the local branch for more information. 

On XX/XX/XXXX I spoke with the local bank rep who opened my account who confirmed that the account was closed and that it was done under the " for any reason or no reason '' clause in the terms and conditions. I asked about my funds and she could not confirm that my {$1400.00} transfer completed or whether it was being mailed to me. She informed me that any cash I deposited " should be sent via check. '' Now my ~ {$1500.00} is in limbo due to US Bank 's policy of shutting down an account 2 weeks after opening. They will not cite a reason for the shutdown and the only transactions on the account are my original cash funding.

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 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL

Complaint narrative:
None of the options really covered the problem regarding this mortgage, but I'll explain ... 

Back in XX/XX/2005, when I bought my house, the mortgage company set up a " 80/20 '' loan. I believe this may be considered a predatory loan. To make a long story short, I have been paying a loan for {$42000.00} for 13 years and only a total of {$400.00} has gone to the amount. I still owe {$36000.00}! 

The interest is 10.74 % ... is there ANYTHING you can do to help me with this? I have not contacted the mortgage company because I didn't want any retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I called to attempt to settle my debt with Simm Associates. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: GA

Complaint narrative:
TransUnion is reporting a fraudulent entry on my report from XXXX XXXX XXXX XXXX. 
Also, there are continuous hard inquiries from XXXX XXXX, which I did not authorize and XXXX has admitted it was fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on 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 and XX/XX/XXXX. I do not believe the items reported by XXXXXXXX XXXX, XXXX XXXXXXXX and American Express are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on 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 and XX/XX/XXXX. I do not believe the items reported by XXXXXXXX XXXX, Capital One and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/2018 I called to attempt to settle my debt with XXXX XXXX. The agent was polite at first and outlined options for what I could do to pay. I informed her that I did not have the money now, but would have it in XX/XX/XXXX. She was aggressive about me paying, and then attempted to get me to pay some amount today. I informed her that I would need to speak to my wife and see our financial situation before making any such action. At that point, the agent became very rude and used aggressive language " You have a history of making promises and never delivering '' and repeatedly cutting me off, even as I strove to continue being polite and explaining myself. When I asked to speak to a manager or other personnel, she refused to put me in contact, repeatedly stating that they were at lunch ( at XXXX EST ) and could not be reached via voicemail. She then explained that she was not even the agent in charge of the call but that I did not have a choice in the matter, that I got whoever I got, and that if I did not pay today, there would not be a chance for a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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:
In XXXX of 2016 Navy Federal Credit Union reported to the credit bureaus that I was 30-59 days late in payment. This happens to false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Great Lakes Capital Management, LLC
State: VA

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX contacted me, with what XXXX XXXX said was a care regarding a payday loan I had taken through XXXX in XXXX. While I did not remember having taken out this loan I was pressured into settling on an amount to pay back, or else I would be served with a bench warrant for my arrest. I agreed to set up a payment arrangement, at which time I gave XXXX XXXX my debit card information and she took {$150.00}. I was unable to make the arranged payments after that, which I did email XXXX XXXX about. Fast forward to XX/XX/XXXX, when I receive a call from a private number, with a man stating he was with this company and had a bench warrant he would serve to me the next day, if I did not make payments. I made a payment with XXXX XXXX again for {$99.00}. After a little time, I became suspicious and contacted both XXXX  and their collections agency and was told # 1 my debt had been written off and # 2 they had no knowledge of XXXX XXXX XXXX or XXXX XXXXXXXX XXXX. I contacted XXXX XXXX about this, who informed me she would not contact me again, however she wished me luck with the legal matters that would come with me basically being arrested. I have tried multiple times to speak with someone to get my money back, and I was told by a gentleman ( called me from a private number and mumbled his name ) that the sum of the {$150.00} and {$99.00} would be replaced in my account around XX/XX/XXXX. I then spoke with a XXXX XXXX who told me the money had been replaced XX/XX/XXXX. When I tried to question this my emails and calls suddenly started being ignored. I've not heard a word since. However, during the time they were trying to collect money they were calling 6 to 8 times a day/night. I was even in California at one point and my phone would start ringing at XXXX in the XXXX.

Company response to consumer: Closed with explanation