vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with callss. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Bankruptcy discharged a few years ago, this account is still showing as open and reporting negatively.

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 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
I have an identity theft case going on they have made 28 inquiries, applies for payday loans, car loans. Etc etc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: J J Marshall & Associates, Inc
State: CA

Complaint narrative:
I have asked to cease and assist numerous times. Failed to provide a written, bill or any information sent to my home per request. I asked for something in writing from this company, they forged a company letter head and emailed me a bill, for a ridiculous amount threatening to file a lawsuit at XXXX this evening if the debt was not resolved. This most recent Gentleman 's name was XXXX XXXX and he says he is calling on behalf of " XXXX XXXX XXXX '' for a payday loan that may have been taken out between the years of XXXX all of which I was unemployed and collected unemployment benefits throughout. I am tired of being threatened. The complaint is not stopping these people from calling. They 've disguised their numbers to be local numbers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a refund from XXXX XXXX on my old XXXX XXXX account that was already closed at that time. XXXX XXXX received and kept the money without denying the transaction. I have the ARN number for this transaction. 

Claim # XXXX ARN # XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I made a payment to pay my XXXX XXXX account. The payment was not received. I did not have to make a payment over the phone amid this because I filed a complaint over the phone with XXXX XXXX. Upon calling the investigation of the XXXX XXXX took two months. During this time I waited and did not make any payments because I was told that the payments we 're going to be refunded and plus I made the payments. I just waited for those reasons to make the payments. The result was that XXXX XXXX lied, and what happened when I called the bank about this was the dispute took two months. After filling the complaint there was nothing left to pay because I made the payment. XXXX XXXX charged me for two months nonpayment and then charged me a late fee as a result. The next billing cycle I called to get a PO box for the payment and was given a PO box number. I set up my bill payment to go to that PO with XXXX XXXX and that was it. I began getting calls a month into the next billing cycle about nonpayment and the calls did not end for two weeks. The calls ended in XXXX upon a XXXX dollar payment through XXXX XXXX bill pay. Once the update about the payment not going through was recieved, XXXX XXXX, said they never received a payment for my XXXX XXXX account. I asked why were n't the payments received. They told me that they did n't receive the payments because of the bank. This was the second time in four months they used the same tactic to get the money before the business month ended. I end up paying XXXX dollars the XX/XX/XXXX and the payment was set to arrive the XX/XX/XXXX. Initially, I the payments were n't received and XXXX XXXX charged me another XXXX dollar late fee. Totaling XXXX dollars again for failure to pay. Over a year 3 years this company has done this to get the money before the end of a payment cycle. My credit has been devasted due to late charges from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: UT

Complaint narrative:
XX/XX/2017 From XXXX XXXX XXXX XXXX : Stearns Lending fraud. 
XXXX XXXX XXXX Dear Sir/Madam I have continually had issues with my loan with Stearns. Almost every payment they either reverse or re-apply to my detriment. I have been sending in extra payments yet they have recently charged me late fees and refuse to correct them. I have also sent in several cashiers checks recently of which some they have applied then later marked as " bad check reversal '' and un-applied them even though they are CASHIERS CHECKS from reputable banks. Regardless of the bank I use, they continually use these purposefully confusing shady fraudulent practices in order to hide the extra payments and mark my mortgage owed as higher than what I have paid. 

I have requested via email and I have called and they either promise to fix and never fi or they refuse to fix their error saying it was my error. My loan should be a full {$10000.00} less right now than what they show ( not including the interest paid they need to refund me ). 

I am only contacting you out of desperation because they will not help me and at this point my mortgage statement is so messed up it may take a forensic accountant to fix it. I am sure you will find more complaints regarding this company. The problems started when I began paying extra so I can only assume someone there has been funneling my money elsewhere. 

PLEASE HELP!!! I can no longer accept this fraud and I need someone to force them to fix my mortgage correctly. 

Thank you! 

XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX

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 2017-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX acct XXXX checking XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX mn XXXX on XXXX XXXX 17 brought balance to XXXX gave him my cash card to cut up.he cut one slice opposite strip to slide in machine.he kept asking if I wanted direct deposit and I said NO I WANTED TO CLOSE MY ACCOUNT. I CALLED XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX.SHE SENT ME A LETTER DATED XXXX XXXX 17 SAYING MY CHECKING ACCOUNT ENDED XXXX THAT IS M, Y ZIP CODE.MY ACCOUNT PIN WAS CHANGED AFTER I LEFT THE BANK.i HAVE HAD THIS ACCOUNT FOR 30 YEARS.i ALWAYS USED THE ORIGIONAL PEN. I NEVER CHANGED THE PEN I DO NOT WANT DIRECT DEPOSIT I DO NOT WANT TO EVER BANK WITH WELLS FARGO AGAIN I WANT MY ACCOUNT CLOSED.i DO NOT HAVE A BANK CARD.

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 2017-12-19 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: VA

Complaint narrative:
I have tried to contact Equifax on many occasions about unauthorized inquiries on my credit report. Ive called for months, Ive spoken to numerous representatives, but they are insisting they do not removed inquiries from credit reports. Ive contacted every company that was listed on my report and I was informed to dispute it through the credit bureau. On three occasions Ive disputed my information that was on my credit report and was informed that they were factual. This is not true. There was a credit card application for XXXX XXXX that was attempted to run in my name that appeared as an inquiry on my credit report. I then XXXX the name of the company and informed them that I was not the applicant. XXXX XXXX did tell me that they were going to remove the application, and also forward the request to the credit bureaus. After disputing it yet again from my credit report, it came back factual again. I then contacted Equifax and told them that I gave a letter stating exactly what XXXX told me and yet still was not successful. There are nine inquiries from XXXX XXXX on my credit report and again. I called the bank and told them that Equifax will not remove the inquiries off my credit report and was told from the credit bureaus that they are not linked to any account. XXXX told me to dispute them through the credit bureau and yet again, they came back factual. My bank told me that the credit bureau can dispute them and they will fall right off. I have one inquiry from XXXX XXXX that is NOT mine and yet again Equifax was no help whatsoever. I also have four inquiries from XXXX that are not linked to any accounts and yet still Equifax was no help. For months I have been trying to rectify these unauthorized inquiries and have been turned down. After contacting each creditor, I was told to contact the credit bureau. The only way I was able to get some type of document from XXXX was because I had to beg. That is very degrading. And after receiving the letter I tried to fax it into Equifax, they told me that inquiry could not be removed. I then tried to dispute, and was still not removed after having proof! This is absurd! For months I have been dealing with the run arounds, and the misleading information Equifax has giving me. There needs to be some type of resolution to this issue because its damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have repeatedly asked for Mr. Cooper to provide to me the ORIGINAL NOTE that I signed. On XXXX XXXX, XXXX, they sent me an email! They later mailed a " COPY ''! This is ridiculous! A photocopy does not prove ANYTHING! IMMEDIATELY VALIDATE THIS DEBT or REFUND MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fifth third is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and 5th3rd needs to delete this off my credit as it is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. Regions has requested that I fill out their identity theft document which is attached to this complaint. Also attached is a copy of my photo ID and the letters I received from the other banks where fraudulent accounts were opened and the FTC affidavit of identity theft as well as a copy of the lease for the apartment I lived in during this theft. The police report number filed with the XXXX Police Department is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 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: UT

Complaint narrative:
Bankruptcy discharged a few years ago, this account is still showing as open and reporting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: CA

Complaint narrative:
I applied for refinancing on an auto loan with Lending Club and was told the rate would be 2.49 % The payoff on my current loan was XXXX WHEN IT CAME TIME TO SIGH THE LOAN THE LENDING CLUB SAID THE RATE WOULD BE 3.4 % THIS IS BAIT AND SWITCH THEY NEED TO BE INVESTIGATED AND FINED!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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:
XXXX XXXX is reporting incorrect information and will not : 1 ) contact me ( they are trying to contact my WIFE! ) 2 ) remove the erroneous marks 3 ) fix the reporting 4 ) delete the negative reporting 5 ) DO anything!

This very frustrating as this is my SECOND complaint now! I already submitted a complaint and they tried to contact my wife, not me. 

This is XXXX XXXX and XXXX needs to delete this off my credit as it is not correct.

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 2017-12-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: NC

Complaint narrative:
BB & T has taken over {$15000.00} in overdraft and NSF fees due to them taking credits out of my account then processing debits then putting my credits back into the account minus the fees they charge. This is being done daily to my business account. I have screenshots of this activity and will be happy to share them with the appropriate people. I tried to talk to the local personal banker at my bank but he said " I should do a better job managing my account ''. I want the funds back that they have stolen from my company and for them to stop this illegal activity. I will seek legal action if this does not resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: PA

Complaint narrative:
Individual called me and would not tell me what the matter was about. I repeatedly asked for information and all I 've got in return I want your birth date and address. Very rude and the representative hung up on me while I was talking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I requested to see the ORIGINAL NOTE that I signed to validate this debt with Specialized Loan Servicing LLC. They informed me that they only serviced the note. This is not going to work! IMMEDIATELY show me my ORIGINAL NOTE OR FULLY REFUND MY MONEY!

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 2017-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: MO

Complaint narrative:
I have two loans from XXXX XXXX that have been consolidated, but are still showing on my credit report. 
They were both opened on XX/XX/XXXX and closed on XX/XX/XXXX. 
The first one is for {$5500.00} and the second is for {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MIDCOUNTRY FINANCIAL CORP
State: TX

Complaint narrative:
It written as charge off but still on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IA

Complaint narrative:
Keep getting robocalls from " harris and harris '' debt collector-I called them and they have wrong number-trying to reach someone in Illinois-I am in Iowa-totally different name.I told them twice-stop calling, but they do call several times a week-I blocked the number, but still fill my voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: CT

Complaint narrative:
I recently received a denial letter for a store card that mentioned this CRA name XXXX XXXX and their phone number. I have around 15 months credit history in XXXX and have never missed a payment. All major main CRAs ( XXXX, XXXX, FICO etc ) have my rating above 700 but this CRA XXXX XXXX reported XXXX. Even thought they claim they have no part in credit making decision, they do influence credit making decesions with such low numbers in comparison with other XXXX. Something is not right here. I called them during business hours but they only have a voice mail. Their website is asking to send lot of personal information - copy of XXXX, XXXX proof in fax just to give me my free report. They should respond to phone calls about the credit reports but they do n't. I googled about this company and it seems that some people were asked for higher interest rates due to low rating by this company. Something seems off - either major CRAs are wrong or this company is purposefully doing wrong reporting or rating. Please investigate. You should also check if their are other similar complaint against this company 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 2017-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/XXXX I received harassing phone calls from an XXXX XXXX stating he was calling on behalf of XXXX XXXX XXXX. He called me at least 5 times within a 2 hour period, and left messages stating I 'd be responsible for a debt and continued to recite my personal information to include my social security number. I received at least 10-20 phone calls over the span of 12-24 hours, and continued to receive harassing phone calls, even when I told them to stop calling, because I did not know who they were. I had to block the phone numbers they called from, because the phone calls would be disruptive during the work day, and they would not stop. I filed an Identity theft affidavits with the IRS and notified XXXX and XXXX to place fraud alerts on my accounts. I saw an alert that an account was added to my credit report ( XX/XX/XXXX ), by the name of MIDWEST RECOVERY SYSTEMS, on behalf of XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation