vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Debt Holdings, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX my friend called me upset because a lawyer called her saying they were sending deputies to her place of business to serve me with papers for a lawsuit. She informed them that I did not work there and was not there but the woman continued to be mean and told her to give me a message which was her phone number and a case number. 

I called the number to XXXX XXXX XXXX XXXX and was told by XXXX that it was regarding a credit card from XXXX. The woman claimed the card had a {$500.00} limit and I owed the bank {$700.00}. She went on to say I was being sued for over {$4000.00} ( she said the extra {$3000.00} was for court fees ) and a wage garnishment would be starting. I told her I had no idea what this debt was and asked why hadn't I been contacted before. I also asked why they called my friend 's store looking for me. I have lived at the same address for seven years and have received no mail whatsoever regarding this matter. I've had the same cell phone number for 15 years. The woman claimed the business was listed as my employer at the XXXX County Clerk 's office. After hanging up I contacted the clerks office and was told they don't have that type of information. 

After going back and forth about me having no idea what this debt is about, I was told to ask for a chain of title from the bank that issued the card. I called Matrix the bank and was told they didn't have any information before XX/XX/XXXX and was told to contact United Debt Holdings where I was told to contact XXXX XXXX XXXX where no one answers the phone. I have left several messages. The recording says someone will contact you within 24 to 48 hours but its almost two weeks since my first call. 

I just want proof of this debt and I want this lawyer 's office to stop calling my friend. I also find it odd that this debt isn't on my credit report and just surfaced out of nowhere. XXXX has very bad ratings online and I can see why.

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 2018-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
In 2016 I took a loan for {$900.00} in XXXX from XXXX  I paid them almost {$3000.00} to drop the loan {$300.00} as it got difficult to juggle XXXX and my rent and other utilities I refinance and eventually got another loan in XXXX. But I realize that I will never be able to pay this off the interest rates are too high it took me a year to take it down {$300.00} and I had to refinance so they won't take my car. I fallen into their trap no matter how much I pay them I will never pay off the loan they are like loan sharks it's gotten to the point where I am about ready to just give them my car. What they do can't be legal I understand I have to pay back the money but when I pay {$3000.00} for a {$900.00} loan something's wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax would not allow me access my free annual credit report and I was not given a reason. Equifax requested that I send them copies of sensitive documents like pay stubs, social security numbers, etc. Given Equifax 's history with not keeping information secure I have problems sharing any information with Equifax thru US Mail. 

I had no issues with XXXX XXXX or XXXX in getting the same information from the XXXX  site..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to bbva compass bank to open only a checking acct and loan officer used deceptive mechanics to have me sign for a credit card when I was clear with her that I just bought my house and didn't want to apply for a credit card knowing I would be declined. She asked me if I wanted a personal loan to pay off the debt of my max credit  cards and I told her NO! I'm trying to repair my credit by paying off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Once again, I go onto your Website to download information on my student loan. XXXX XXXX, Senior Resolution Specialist I need an explanation why is it on XX/XX/XXXX, under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. I get access to my account back on XX/XX/XXXX. On XX/XX/XXXX, and XX/XX/XXXX, it shows under Loan Details : Group A-Due Date is XX/XX/XXXX, Group B-Due Date is XX/XX/XXXX. Now I know somebody is messing with my student loan online account. This is unacceptable and now I have to look at every little detail and amount by navigating around my account and downloading my information. This will be another complaint with the Dept of Ed. I'm going to ask them if Nelnet is allowed to change due dates on an Income-Driven Plan with zero payments due. I am also going to report that I was not notified that you resubmitted my payment information to XXXX  and XXXX. Oh, sorry you have up to 60 days to reply to the CFPB. Had I noticed this problem earlier, I would have put this information on the previous complaint. Why would somebody purposely change my due dates. Maybe you have a good explanation and if you do, please reply asap. This is getting serious now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As a consumer on multiple instances I have written several cerified letters to all 3 credit bureaus requesting that they update my personal information and delete all other information that's incorrect however they fail to do so, here is the letter I sent certified to all 3 credit bureaus. 

XX/XX/2018 To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : ********* Please update my name to : ********* My only social security number is : *********** My only and correct date of birth is : ********** My only employer is : *********** I do not wish to have any telephone numbers on my report.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, ************ I've Enc. Driver License, and Proof of Residence

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 2018-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
On XX/XX/2018 I sent a certified mailed letter with a return receipt to Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. In my letter I asked this company to validate NOT verify an alleged debt that they are attempting to collect from me.I specifically asked for this company to please provide an agreement that had my signature on it and other supporting documentation. 

I received a letter from Debt Recovery Solution, dated XX/XX/2018, in response to the letter that I mailed to them on XXXX XXXX certified mailed. Their letter stating " we are responding to your recent request for verification of the obligated references above. Enclosed is the documentation you requested ''. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have dated their letter response one day before I even sent my letter to them certified mail. They have not provided me with the requested documentation that I asked from them. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 

I have enclosed my certified letter that I sent to this company on XXXX XXXX, Debt Recovery response to my letter, and my certified mail receipt with the date I sent the letter and the return receipt that Debt Recovery signed acknowledging that they received my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank I have 2 items that automatically charge my checking account monthly. One is always on or around the XXXX the 2nd one goes through every pay day. Usually if the 1st overdraws my account Chase doesnt charge a fee or will waive the fee. I have expressed numerous times to them to deny payment as the late charge imposed by the merchant is considerably less than the overdraft fee. Apparently Chase. .. a huge bank is unable to do so but seem ok charging me fees. The 2nd charge went through and my account was overdrawn. The company was supposed to charge a different card. I put the amount of the 2nd charge in my account and still charged overdraft fee they refuse to take off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, including but not limited to Specialized Loan Servicing, LCC ( SLS ) and all unauthorized mortgage assignments affiliates are reluctant to address my concerns explaining in detail the fraudulent mortgage assignments of why and how these assignments took place without an official POA for each assignment. These assignments some recorded and some were not recorded without my knowledge without the originators written authorization to do so, since the original originator business dissolved years prior. 

XXXX XXXX XXXX XXXX will not address my concerns and informing me to contact an entity ( SLS ) that they have no affiliation is alarming ( see attachments ).  Since XXXX  recorded on my deed as " grantor '' without authorization from an official representative and POA from XXXX XXXX  that dissolved is of great concern without answers from SLS and all of the chain that executed assignments without merit. 

Since XXXX XXXX XXXX XXXX is very aggressive with confirming holding a fraudulent lien on my property and rushing to accept and assign unauthorized mortgage assignments without holding responsibility for any liability, my concern why is SLS and all of the chain of affiliates reluctant to address all of the unauthorized mortgage assignment of discovery? I request that all parties ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX ) be accountable in referencing the attachment on pages 5,6,7, & 8. Under a microscope, initiating with XXXX up to XXXX ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized XXXX as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.

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 2018-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I was billed {$19000.00} for being past due {$1800.00} on my BMW lease. 

The car was repossessed and sold in the auction. I was not informed about the impending auction sale of the car while I still could pay the debt and get the car back. The lease contract ( attached ) says that I was supposed to receive the reinstatement rights letter and have 25 days to get current on my lease payments ( highlighted in the attached Lease Obligations document, point 26g ). I have never received the letter. When I spoke with Financial Services they say the letter was sent but apparently got lost. There is no proof of the letter being sent to me. The largest part of the bill I got is the difference between the supposed car value and the auction sale price. 

Consumer advocates website ( https : //www.consumeradvocates.org/fXXXX ) says : -You may be able to buy back the car by paying the full amount you owe or even bidding on the car in the auction. In some states, you can get your car back if you reinstate your loan and pay repossession costs. 

-The sale of the car must be done in a commercially viable manner, meaning that it is not sold for way below market value. This matters because you will be held accountable for the difference ( deficiency ) between the sale price and what you still owe on the loan. 

-In some states, the creditor must tell you if they are keeping the car or are planning to put the car up for auction. If there is going to be an auction, they must tell you when and where the auction will take place. 

In my case, I could not exercise any of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As a consumer on multiple instances I have written several cerified letters to all 3 credit bureaus requesting that they update my personal information and delete all other information that's incorrect however they fail to do so, here is the letter I sent certified to all 3 credit bureaus.

XX/XX/2018 To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : ********* Please update my name to : ********* My only social security number is : *********** My only and correct date of birth is : ********** My only employer is : *********** I do not wish to have any telephone numbers on my report.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, ************ I've Enc. Driver License, and Proof of Residence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I submitted a dispute on XXXX XXXX with Transunion on XX/XX/2018 for a XXXX XXXX XXXX card that was opened fraudulently. I still have yet to receive my results or they have not finished their investigation and it's been 2 months.

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 2018-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX at fifth third bank gave me information that was misleading and inaccurate. when i opened my acct. on XX/XX/XXXX i was told by the branch manager at 5/3 that my checks would be delivered to me within 5 - 10 business days, free of charge. i watched the manager order the checks. they have not arrived. i asked about the on-line banking, he set it up for me and it worked. that was on XX/XX/XXXX. a week ago i had to pay bills so i tried to make a car insurance payment using the online banking. and to an error message. on XX/XX/XXXX i went to a branch and they " fixed '' it and it worked once. but then i could not login. my user ID was invalid. so, after working on my login i could login but i could not use the on-line banking. so i called the customer service line and XXXX told me that it takes 14 days for checks to arrive and that they had never been ordered and there is a fee for the checks. i had to wait 30 day before i could use the on-line banking system. all of this information is misleading and bad! i would like to complain about the misleading information they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This a copy of a letter sent it to care credit and XXXX  to to dispute my charges, I dispute those charges several times, if Im not seeing any fixing for my report I will file a complain against care credit and XXXX  agency, also I down load my XXXX full payment. ( Care Credit Cared. I`m sending this letter to inform Care Credit that I have been trying to contact you several times to dispute the amount Care Credit Bank that I owe. I opened the account at the doctor office back in 2012, doctor office was not clear with me that I have to pay the total balance in 6 months, I spoke with Care Credit customer service that I will make monthly payments, they agreed to that. the High limit was {$850.00}, I paid total {$1000.00}, attached payments history. I`m asking Care Credit to contact credit Bureau to up date my file as paid in full ). please consider my request urgent. 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 explanation
Consumer complaint received 2018-08-11 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: TX

Complaint narrative:
I had an open account with XXXX XXXX XXXX in late XXXX. I paid them well until late XXXX. XXXX XXXX, has taken my situation as an opportunity to mislead creditors. In XX/XX/XXXX XXXX XXXX reported 120 past due and in XXXX they reported the same. Account did not go to charge off status until XX/XX/XXXX. I made several attempts, once I got back on my feet to pay XXXX XXXX, yet they sent my account to a third party. That third party promised to remove late payments from my credit file once Payment was rendered. I paid the third party, nothing was ever changed. In XX/XX/XXXX I reached out to XXXX XXXX to address the issue, they would not let talk to me regarding the account because it had been transferred. I reached out to Experian consumer reporting agency. Experian added a late payment to my credit that was false. It showed that the account was recently charged off witch affected my score tremendously. Both XXXX XXXX and Experian are at fault for false reporting. Experian has falsely updated information, the credit card company has stated it will not address my account.

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 2018-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our mortgage was purchased by Wells Fargo from XXXX XXXX. Wells Fargo increased our monthly payment by {$150.00} for the next twelve ( 12 ) months to fix the escrow account. A portion of this is covered the increased cost of the insurance. However, they also claim they can add a two ( 2 ) month cushion to the escrow, which accounts for nearly {$50.00} of the monthly increase. I looked over my original mortgage contract and no where does it stipulate that we agreed to this. We've never been required to have a " cushion '' on our escrow account in the past. I spoke to a supervisor and advised them they do not have the right to do this. They claim they can and refuse to withdrawal their request for payments towards a so called cushion. It seems like they are charging escrow on the escrow. The mortgage contract we signed says if at any times the balance falls short that we would be required to make up the difference at that time. We understand that and are willing to do that, but their demanding a cushion is just a way for them to take our money and earn on it without compensating us.

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 2018-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The names of XXXX XXXX XXXX or anything XXXX  related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/XXXX ( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off report.

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