vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Research & Recovery, Inc.
State: CA

Complaint narrative:
I XXXX XXXX purchase a pet from XXXX XXXX in XXXX, FL and he was about 4 months old I call to speak with the doctor after taking him to my physician. I advise them the dog had a XXXX and i didn't want to keep him they advise the dog has to be return in 2 days. I advise I didn't want any part of the contract they had me sign and that they were ripping me off just to get the dog off there hands so I spoke with someone from this company advise the dog got sick I couldn't afford him that way and he was taken to XXXX XXXX where they didn't know what was going on without charging {$600.00} to {$700.00} for everything to be check out on the puppy so the following month he past I advise the gentlemen that call and he said ok let me see if i can get a settlement on the account. I never heard back from this company two months later got a call from the same person he was being rude saying you need to pay the bill and advise not paying you all went from {$2000.00}. with 5 payments of {$240.00} a month to now {$4800.00}. That is being reported and it was charge off at XXXX so I '' m filing a complaint on XXXX and the credit reporting agency 's XXXX   This is the email trail to the company never receive one letter. 
XXXX via XXXX XX/XX/17 to me Account Number ... XXXX Merchant Name.XXXX XXXX Dear XXXX, Your monthly XXXX statement is now available for viewing. You may access your statement by visiting XXXX 
For your convenience, and to avoid potential late fees, you can setup your payments to be made automatically from either your checking account or debit/credit card. Please login to XXXX  or contact Customer Service to establish an automated monthly payment schedule that is convenient for you. 
If you have questions regarding your account, please contact Customer Service at XXXX during our office hours listed below. 

Regards, Customer Service XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX PT Monday-Friday XXXX PT Saturday They also block the payment site so I wouldn't able to know what owe and this after 2 1/2 months of not paying this company. Puppy mills should be close down because you never know what kind of puppy you will have.

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 2018-07-11 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: National Credit Systems,Inc.
State: NV

Complaint narrative:
NATIONAL CREDIT SYSTEMS says opened XX/XX/2016 balance reported {$3700.00}. Submitted executed contract that clearly states the account is to be deleted by property management company and that the balance reported was never correct and they refused to delete. XXXX and XXXX   deleted the account after receiving the executed contract and investigating, XXXX chose not to. In addition, XXXX will not allow a dispute though it has been over 2 years since the last dispute date and claim they will not allow me to dispute the fraudulent information again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc.
State: NY

Complaint narrative:
I am the XXXX of a mid-sized XXXX XXXX in XXXX NY. On XX/XX/18 was notified by a co-worker that XXXX XXXX from XXXX XXXX XXXX needed me to call him about a collection and that it was very important that I call him back. 

I returned the call to Delta and was asked numerous personal questions - which I refused to answer for fear of identity theft - and was then told that it was important that I cooperate because the issue was time sensitive and that it was going to be adjudicated. 

I was finally placed with a supervisor, XXXX XXXX XXXX, who stated that this had to do with an educational loan. I graduated 25 years ago and we finally agreed that the debt was not mine. She stated my name was common - yet knowing that they felt comfortable calling my place of employment, causing personal embarrassment - rather than seeking to contact me via mail, or using my personal number. 

In looking at this agency, ( EIN XXXX ) they have a long history of abusive practices.

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 2018-07-11 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: Nicholas Financial Inc.
State: TX

Complaint narrative:
I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: CORELOGIC INC
State: TX

Complaint narrative:
I spoke with the creditors and I also called XXXX XXXX and I was given false information from both parties concerning ways of getting this problem resolved. I was told in the past XXXX XXXX were experiencing problem with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
After seeing a dramatic decrease in my XXXX credit score I can a credit report. The results of this credit report showed a single delinquency posted by XXXX through Wells Fargo for {$3.00}. This is a card I paid in full then closed the account. The credit report shows the card with a {$0.00} balance then the {$3.00} a month later. I received XXXX communication of this charge, not an e-mail, not a statement in the mail. I was only made aware of the charge when my credit score was penalized. I called XXXX 's Card Service in XXXX and asked for the communication to be printed/digitized and shared with for evidence of their mistake. I was told this was a finance charge that should not have happened and they would remove the charge and dispute the credit report. On XX/XX/2018 they issued a letter claiming the accuracy of this charge and asked I fax documentation to further dispute. I never received any documentation to be able to comply with that request. I need to have my credit score returned to the pre-delinquency status and my husband and I are looking to finance a home.

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 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax continues to report a Fraudulent Collection from XXXX XXXX XXXX {$2500.00} after the Collection Company XXXX XXXX XXXX has requested by letter to have the incorrect information removed from my credit report. I have attached the deletion letter from XXXX XXXX XXXX and I have called Equifax to request removal of the fraudulent collection which they refuse to do so knowing it is incorrect information being reported. 
I have disputed this issue with Equifax and provided the deletion letter to them also. The other two credit reporting agencies have removed the fraudulent account but Equifax has not and refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, Ive been trying to contact Capital One for months in regards to my account and how I can get the late payments removed. I have wrote two goodwill letters and called numerous of times to no avail. I explained that I was facing a financial hardship during this time and couldnt afford to make the payments. Unknowing to me, the times I attempted to make payments last year there was insufficient funds in my account. I wasnt aware and it caused for all of the payments to reverse. After realizing I hadnt have enough money, I could no longer afford to make my monthly payments. As of today, the balances owed has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In 2016 I applied for two credit cards from Bank of America because my family and I couldn't pay the rent and bills after my husband got fired from his job. Because he got fired he did not qualify to receive any benefits from the unemployment, so even we were struggling I was making the payments that the bank required. The next year around XXXX I got fired from my job and I couldn't make any payments from my credit cards. I contacted the company by phone, by chat in person to tried to get some help and cancel my cards but the bank said that the credit cards were canceled. But each month the bank adds fees and more fees to my debt. One month ago I start a new job, but still, I don't have enough money to make the payments. And the debt keeps growing every month. Can someone help me please.

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 2018-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VanKeef Financial LLC
State: HI

Complaint narrative:
XX/XX/XXXX XX/XX/2018. Mortgage Vankeef Financial LLC. XXXX XXXX. 
We have requested that Vankeef Financial reimburse our appraisal fee, which they authorized. We had questioned them about paying an appraisal fee twice. The first time they assured us that the loan was approved and need to move forward with appraisal. It was not approved. They claim they needed more employment history from spouse.Who has been working for the Dept. Of DOE for approximately 6 years. They stalled our loan process and requested to order another appraisal. I informed them to make sure the loan was indeed secured. He assured again. I then asked him again ( Rep ) to make sure it was approved. They said it was. We ordered it and paid over {$700.00}. They appraisal value came at more than what Vankeef Finaincial anticipated. Good right? Wrong. They said that they could not confirm spouses employment and that the HR was not returning their calls. 

We told them, we initially we provided them with spouse XXXX, check stubs and tax returns. Why is that not confirmation enough to get the Loan? When another ( prior ) Mortgage Co approved our application, but had a higher interest and closing cost rate. 

We asked Vankeef Financial for full reimbursement of our Appraisal fee, because they ordered it, but was denied and said '' Because the appraisal fee ( they ordered us to pay ) was paid to the Appraisal Company, unfortunately we can not reimburse your appraisal '' ... ... .. We have filed complaints with various agencies and the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: PA

Complaint narrative:
My bank has to be the only bank that never wants to answer the phone, never wants to look into my disputes and then lies about dispute forms not getting recieved. 
I filed a few disputes in the past and they claim that I never sent the forms in and it was denied. This I said a lie, because a woman called me and asked me to tell her what I wrote because she didn't understand it. When I filed my first complaint, the woman that was talking to me had no idea her company was owned by comerica. She never filed the disputes and I got stolen from. They send letters stating they see no error. Hello? I'm telling you I didn't make this transaction or I didn't get my order. How's that not an error itself?! 
When I call after disputes, andnput my tracking id they say all reps are busy and hang up. When I finally get a person they transfer me but the line disconnects. Every time!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
I received call at XXXX XXXX which is outside of the allowed time frame. I do not appreciate companies that violate this rule. 
I have a voicemail proof of their call as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Select Port Folio my mortgage servicer recently reported XX/XX/2018 my mortgage being 30-60 days delinquent. There is a {$550.00} advance that was disbursed to pay association dues that were delinquent prior to my mortgage assumption.

They reported the advance being delinquent and I've been set up on a monthly pay plan to reimburse Select Port Folio for the advance. This incorrect reporting for the advance is reflecting the mortgage being delinquent has affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Over two months ago, I wrote a letter to Experian, asking them to investigate errors on my report. I have not received a response from Experian in the mail. I also recently wrote a follow-up letter, which has also gone ignored.

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 2018-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, i was notified that a collection was added to my credit report from Rentdebt automated collections. I have never had any type of services nor have i ever had any contracts with this company. I was never notified by mail nor phone regarding this debt at all. I have tried to dispute this and the credit bureau stated that the company assures them that this is accurate and it will not be removed. I do not owe this company anything and my rights were definitely violated as well as reporting false information and damaging my credit and for trying to collect an amount i do not owe them. I also know that it is against the law for any courts to give out information. I want this removed from my credit file on all 3 credit bureaus immediately. If this is not solved in a timely matter i will take the next step and submit my complaint to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request to begin a reinvestigation to verify the accuracy of the information with which I disagree, that it is incorrect, inaccurate or incomplete. 

I am writing to you for the purpose of helping me with this problem with the company " Experian ''. I have been doing it for more than a year, asking them to fix some erroneous information that they are putting in my credit, this is affecting me critically in my search of work and in the loans to buy my house. 

My reputation and prestige are damaged, where there is a law that a company can manipulate personal information for profit to increase sales and credit interests for the economic benefit of others, this is unjustifiable, abusive and illegal. 

I demand reinvestigation this dispute for account information from XXXX " XXXX XXXX XXXX XXXX / XXXX '' # XXXX, be removed from the negative record and, I've never had a delay or ever stop paying there is no reason to have it in collection and delinquency. " Experian '' has never presented me with any document or proof, the name of the judge, court, address, and telephone number of each person contacted regarding this alleged account. 

I have asked them on many occasions to investigate the error they have, but they use an automated response system, where all the answers are the same and do not pay attention to the request that I write to them. It is a total lack of respect for citizens not to take seriously the letters I send them.

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 2018-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NC

Complaint narrative:
There were multiple issues that I had with NetSpend this previous week. It starts on Monday XX/XX/2018 I realized that there were multiple charges that were made on my accnt that were not mine and I disputed such charges. I also disputed a charge for an ATM withdrawal where as usual no money came out and I was still charge the amount. So I disouted such charged that totaled over XXXX dollars and was advsd that I would get a provisional credit in 10 days. Ok thats fine however I called them to order a new card and paid to have the card express shipped, Which was done. However once I received the card I could not activate the card. I called in and was advised that the card was closed and my balance wa mailed to me which means that every dollar that I had no longer is accessible and once the credits are placed on the accnt that they are going to have to mail that check as well. All I am looking for is the money that belongs to be overnighted in a check to me and no more dealings ever with Netspend. This has been the worse exeperience ever.

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 2018-07-11 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I recognized that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times on XXXX XXXX. 

XXXX is one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX who identified himself as the Manager. 
He refused to help. 

It is very unfair that they did that. They lowered my credit score by 200 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11 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: NY

Complaint narrative:
THIRD NOTICE OF DISPUTE OF FRAUDULENT CREDIT REPORTING, FRAUDULENT INQUIRIES, THIRD NOTICE OF ERRANT EXPERIAN CREDIT REPORTING, EXPERIAN FRAUD ENABLEMENT CREDIT REPORTING, AND NOTICE OF INTENT TO SUE https : XXXXXXXX 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 2018-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
We refinanced with Mr Cooper rolling our first mortgage and second mortgage together paying off all our credit cards and other debts. We also had about {$40.00}, XXXX cash out on the loan. During the closing process we asked about a couple things that they said they were going to be paying off. One was a credit card that did not belong to us it belongs to my husband 's boss totaling over {$5.00}, XXXX. Then there were five checks made out to pay my school loans but they were made out to the incorrect company. We closed on XX/XX/XXXX, I called on XX/XX/XXXX to get them corrected. They dispersed funds on XX/XX/XXXX but still made the checks out incorrectly. I've attempted to contact them numerous times not being able to reach people half the time and being transferred to various people. It has now been over a month and I still am not getting any resolution on this. We are out more than {$7.00}, XXXX and feel like we are being ignored.

Company response to consumer: Closed with explanation