vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ERC
State: OK

Complaint narrative:
To start with they put on my credit opened XX/XX/XXXX. This account was opened in XXXX and I moved somewhere where they didnt have services! They have called me multiple times and called my employer at XXXX XXXX. The balance is {$110.00}. This should be removed from credit and for them to quit harassing me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one is blocking me from being able to continue being attached to XXXX. XXXX is an app that does " round up your change '' functions and daily transfers from your main bank to a online savings account so that i do not spend the money. 
It was working wonderfully for weeks and now its unable to connect. I have contacted both XXXX  and capital one 360 and the situation still hasn't been fixed. As per XXXX, capital one is the reason I can not connect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Without and prior notice my mortgage payment went from {$770.00} inXX/XX/2018 to {$780.00} in XX/XX/2018. I called Pen Fed Mortgage Company this morning and was told that the payment had been increased by a decision made by the company in XX/XX/2018. I was told that the escrow payments were increased and that the new amount was due to tax and insurance increases. I asked the lady whether the company bothered to send a notice of increase and she said that there was no notice sent on record. I am totally bothered by the fact that this company can just raise the amount collected from direct deposit without notifying me of any increases.

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 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent multiple letters advising the bureau that the information listed on my report in regards to the bureau is incorrect as I am not the owner of the bankruptcy. It is to my understanding they use the last four digits and other identifying elements which could easily be someone else's/ The y sent me information stating they verified with XXXX XXXX in which I am not familiar with @ all. I have sent several disputes and this is my final dispte

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 2018-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: FL

Complaint narrative:
My son, XXXX XXXX, the borrower ( I am the co-borrower ) signed up for hardship program in which he set up 3 autodrafts with a lower payment amount. After he advised me he did this, I called XXXX XXXX directly to ensure negative reporting would not occur. XXXX XXXX advised me they would not report ; The three payments were for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. When I reviewed the loan shortly after the XX/XX/XXXX payment was to be drafted and saw that it was not credited it to the loans I advised my son. This occurred approximately at the end of the 2nd week in XXXX. XXXX called XXXX XXXX to find out what happened - we learned XXXX XXXX had the incorrect checking account number for the draft. XXXX, who is a supervisor indicated he listened to the actual phone call and did admit XXXX XXXX made the mistake. XXXX relayed to me that XXXX went ahead and cancelled the existing set up drafts, rescheduled for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX with the correct account number. Meanwhile XXXX XXXX now reported the loan 60 days delinquent ( causing my credit score to drop by 81 points ). It was their error for incorrectly entering the checking account number. 1 ) The delinquency should not have been reported which they refuse to correct 2 ) Even if they do report at 60 days, again the loan would not have been 60 days delinquent had they entered the information correctly the first time in XX/XX/XXXX. XXXX XXXX is advising they will not correct until all three payments have been made which is not until the end of XX/XX/XXXX. 
I would like an immediate retraction of the negative reporting as their error has caused my score to drop -- at a time when I need to shop for a vehicle for my daughter. 

XXXX XXXX as a whole is a company that does not care about the individual only their bottom line. They are in the business of ruining students not helping them. Not only do they not care about the individuals who take the loans out but they are predatory and have no morals.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I cancel my service with XXXX XXXX, I paid my account in full. I had a number of cell phones which I physically returned to the XXXX store in XXXX, IL. The manager of the store said he wasn't able to provide a return receipt as they were not defective, I left the devices with him in the store. 

A few years later I received a collection letter stating I owed XXXX. I've responded to each and every collector of this account that I do not own anything as the account was paid in full and the equipment was returned to the store. There are no amendments to the contract that states XXXX can add additional fee 's in the case of equipment only to the outstanding balance of the account, which was paid in full. 

The current collection agency is falsely reporting the account was active in XX/XX/XXXX which is not correct and I have disputed this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
This account was opened in XX/XX/XXXX not XX/XX/XXXX! They have false dates on my credit report which is effecting it negatively!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Complaint involves an unauthorized transaction on my PayPal Account on XXXX-XXXX-18 in the amount if {$1100.00} ( {$980.00} EURO ). I recd a text from PayPal on XXXX-XXXX-18 @ XXXX XXXX  alerting me they discovered a suspicious transaction ( after making the payment ) and asking me if I authorized it. Less than 1 minute later I responded to the text advising I did not authorize it. On XXXX I called PayPal and spoke with a rep. who confirmed my complaint and advised I would not be responsible for the charge since I did not authorize the transaction/payment. Then I receive an e-mail stating they are denying my complaint based upon their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XX/XX/2018 I tried to get a temporary release of a freeze on my credit report with Equifax. 
It took XXXX or XXXX tries over XXXX minutes or so on their website to get to a pdf with the release code. The one time pdf did not open. I was asked on the webpage to call a number. 

After several questions, I was asked to submit ID by mail. I asked to speak to a supervisor. After XXXX min on hold, I worked through the same list of questions again and was told " I passed '' and that they would send on something - whereupon they cut off the call. 

After XXXX or so minutes of my time wasted by incompetence, I still don't have the temporary pin to release the credit freeze. 

For comparison, the process with XXXX on their website took about less than XXXX minutes total.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: LA

Complaint narrative:
I spoke with XXXX XXXX XXXX and they stated that I have a Perfect payment history with their company and I have no deliquecies. Equifax is reporting my account wrong and refuses to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
CASE # XXXX Companies have return policies that they are required to follow just like I'm required to follow them if I want to return something to a company XXXX XXXX have return policies they have a XXXX XXXX guarantee policies this information is relatively easy to find you can contact XXXX you can contact any XXXX XXXX contact the one closest to you and ask them if they have a XXXX XXXX satisfaction guarantee and you will see that I am telling the truth so please explain to me how you've come to this conclusion how is it possible that a company can have an advertised guarantee an advertised return policy in whenever I want to enforce that policy that is publicly displayed my credit card company doesn't agree with me. I would request that the merchant provide proof that they did what they claim they expect me to provide proof well then why can't I expect them to provide proof them just saying they did something isn't proof I did not receive any compensation myself XXXX XXXX did not receive any compensation from this hotel You keep sending me form letters but you're not actually answering my question I'm not going to go away until you answer my question they have a satisfaction guarantee policy it's advertised on their own website in addition to that the hotel did nothing that they claimed they were going to do you're telling me that they told you that they we're giving me points I never received any of that why can't you show me proof? I don't think it's unreasonable for me to ask to see the proof what documentation do you have that proves that they are right and I am wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
I asked for a moratoriam of payment for three months in the payment after a huracane and they accepted, went to pay and they did not accept the payment. They offered to try for a modification. After several months providing information they denied without much explanation. Now they want to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am in the process of lowering my debt ratio. This year I have paid off XXXX dollars in debt. {$8500.00} was to Synchrony bank on a vehicle loan. 
Now Synchrony bank who also is the lender on my XXXX XXXX XXXX has lowered my credit limit to the amount I currently owe. 
I have never been late with a payment. I always pay more than the minimum due. My credit is taking a dive because these ratios are off but when they lower my limit it gives a false number. This should not be allowed. If I had been late I would understand. But this seems manipulative to me. My credit score has gone down by over 70 points in one year and I have never been late on a payment and have paid 2 loans off. This is because of acts like this.

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 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent multiple letters advising the bureau that the information listed on my report in regards to the bureau is incorrect as I am not the owner of the bankruptcy. It is to my understanding they use the last XXXX digits and other identifying elements which could easily be someone else's/ The y sent me information stating they verified with XXXX XXXX in which I am not familiar with @ all. I have sent several disputes and this is my final dispte

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
The Loan Estimate ( Good Faith Estimate ) disclosed estimated property taxes for the LENDER ESTABLISHED escrow period to be collected at Settlement of the loan. 
The GFE- LOAN ESTIMATE - disclosed 10 months {$350.00} a month would be collected at Settlement on the HUD 1 ( {$3500.00} ) Closing Discclosure for XXXX property taxes. 
12 CFR 3500.17 ( c ) ) ii ) affirms property taxes may be collected from the date the property taxes were last paid until the date of the first payment for the escrow account for the escrow period. XXXX was the date established by the lender as the first month for the escrow period. Per Regulations, the lender was allowed to estimate for the GFE and collect on the Closing Disclosure ( HUD-1 ) charges from when the property taxes were last paid ( XX/XX/XXXX ) until the month of the first payment into the escrow account in the established esrow period by the lender-XXXX .XXXX TEN ( 10 ) MONTHS FOR XXXX PROPERTY TAXES ; XXXX XXXX XXXX The estimated property taxes for XXXX were XXXX..XXXX and paid by the lender as {$320.00} per Texas Property Tax Code 28.01. 
Should have disclosed 10 months @ {$26.00} per month for XXXX property taxes- {$260.00} for the GFE and the HUD-1 to be collected at Closing. 

Why was the lender allowed to collect on the CLOSING DISCLOSURE- ( HUD-1 ) an EXCESSIVE amount of XXXX property taxes. HUD-1 ( Closing Disclosure ) the lender disclosed {$1500.00} was collected at Closing- Disclosed as {$3500.00} on the GFE Loan Estimate and {$1500.00} on the Closing Disclosure- HUD-1. 

WHY the unreasonable difference on DISCLOSED loan documents? 
Each amount disclosed was not accurate by facts from the XXXX XXXX. 

WHY was the lender allowed to NOT DISCLOSE XXXX property taxes on the Loan Estimate or on the CLOSING DISCLOSURE. TO THEN REQUIRE UNREASONABLE INSUFFICIENT DEPOSTS TO DISBURSE INACCURATE PROPERTY TAX CHARGES FOR XXXX NOT DISCLOSED ON THE LOAN ESTIMATE OR CLOSING DISCLOSURE? 

12 CFR 1024.38 ( 11 ) requires WRITTEN EXPLANATIONS AND CORRECTIONS FOR ERRORS DESCRIBED in the Error Notices ( QWR ) submitted XX/XX/XXXX and XX/XX/XXXX within time restrictions of SUBMITTING QUESTIONS REGARDING THE LOAN SERVICING, WHICH HAVE NOT BEEN, WERE NOT ANSWERED BY THE LENDER/SERVICER IN A LETTER FROM XXXX XXXX, WHO WAS NOT THE LENDER OR SERVICER OF THE LOAN. 

WHERE ARE THE FINANCIAL PENALTIES, FINES, CORRECTIONS FOR THE INVALID NOTE AND SERVICING ERRORS IN THE NOTE BY THE CFPB to be assessed by the Bureau? 

Where are my WRITTEN COMPLETE AND CORRECT ANSWERS to THE QUESTIONS IN THE QWR 'S REGARDING AGGREGATE ACCOUNTING ERRORS AND DOCUMENT COMPLETION ERRORS AND ALL OTHER FINANCIAL COMPUTER ERRORS FOUND IN THE INVESTIGATION BY THE LENDER OR REGULATORS AS AFFIRMED IN 12 CFR 1024.35 ( b ) ( 11 ) Evidence of receipt of the Error Notices ( QWR ) by the servicer in the time period has been provided but is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: FL

Complaint narrative:
Experian, I have been fighting this for a while, I was NOT late nor past 30 days on our time share with XXXX XXXX / XXXX XXXX XXXXXXXX ( See attached proof of our payments coming out of our account in XX/XX/XXXX ). This has to be corrected ASAP. False information is being reported against me.

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 2018-07-10 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: OH

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting payments late for the time period of XX/XX/XXXX - XX/XX/XXXX but I had been approved for deferment during that time period by 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 2018-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The Student Loan Company XXXX XXXX XXXX XXXX XXXX is reporting payments late for the time period of XX/XX/XXXX - XX/XX/XXXX but I had been approved for deferment during that time period by 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 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The Student Loan Company XXXX XXXX/XXXX XXXX XXXX XXXX is  reporting payments late for the time period of XX/XX/XXXX - XXXX but I had been approved for deferment during that time period by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
I received a telephone call from XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 informing me that I had a debt with them in the amount of {$1700.00}. I am unaware of signing any type of agreement or owing XXXX XXXX XXXX XXXX XXXX any debt. Therefore, on XX/XX/2018 I mailed XXXX XXXX XXXX, XXXX a validation letter describing all the information I was requesting for said debt. The certified letter was received by Midland onXX/XX/2018. I then received a generic letter asking what information I was requesting. As you will see the request for information is clearly stated in the original letter I sent them dated XX/XX/2018. The company also included a statement from XXXX XXXX XXXX. Due to the fraudulent practices of XXXX XXXX XXXX I do not know that this is truly a debt of mine that is due to them. I checked my credit report today XX/XX/2018 and they have a derogatory account on my record. I would like this to be removed if they can not provide me the validation of this debt. I have no proof this is legitimate. I also requested in the validation letter that any bad marks be removed from my credit report. I greatly appreciate your assistance with this matter. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: GA

Complaint narrative:
Received a couple of calls in XX/XX/XXXX from XXXX and when I answer, no one is there. Did a XXXX search and read that it was a debt collector called capital management and that the call is set up to force you to call them back and then they'll ask for your personal info. They call almost daily now and I don't answer. I blocked the call, but my phone still shows that they called. I've never received anything in the mail stating that I owe any company money, so, I'm pretty sure this is a scam.

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