vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY
State: FL

Complaint narrative:
This complaint about Oceanside mortgage company.They sent a letter to me stating my escrow account was short $ XXXXsent check in they cash the check per my bank statement XX/XX/XXXX XXXXMy next house payment was suppose to be {$810.00}, but was for {$1000.00}, this shorted me on my electrical bill.Call Oceanside they would send a check to me for the they overcharged, stated i would get the check two weeks. no check came.Now it XXXX called Oceanside, they stated the would only pay the {$210.00} dollars back if I sent copy of my back statement, letter head of the back ect.I ask why do i have to prove that i sent the check and you cash it.They said its that there policy.They cost me time effort a late electric bill fax money, just to prove they cash my check..this is not common sense

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
It's been more than a year that I'm trying to find a way to negociate the debt I have with Visa TD Bank, if I call Visa, they tells me that they can not talk to me, the debt was SOLD to XXXX XXXX XXXX. I called XXXX XXXX XXXX and I spoke many times with XXXX XXXX, Vice President of Collection, the debt was {$18000.00}. ON XX/XX/XXXX, I received a letter from Mr. XXXX stipulating that they cut the debt to {$9000.00} to close my file. Obviously I called Mr. XXXX, and explained that I can not pay this amount in one lumps. He called me back that same week and told me, that he spoke with his contact at VisaTD bank - Mr. XXXX told me all the time that Visa TD Bank never SOLD the debt. He called me back to tell me the lumpsum can be {$7200.00} or {$1500.00} per month for 6 months. I thanked him, but {$1500.00} per month it is too much. I can pay a lower amount but in the meantime I asked if that will stop reporting CHARGE OFF on my Credit File every month, he told me that it will stop once I'm done paying the debt. He told me that he will call back his contact to see if they can do more or reduce the monthly payment. Between XX/XX/XXXX as of now in XX/XX/XXXX, I never heard from Mr. XXXX again. As I am penalize every month by TD VISA Bank that claim they SOLD the debt, but report me at all credit bureaus as Charge OFF, I called VISA on XX/XX/XXXX.  Again same answer, nobody can help me because my debt was sold to XXXX XXXX XXXX. The same day I called XXXX XXXX XXXX and samething Mr. XXXX will not take my calls since back in XX/XX/XXXX. Never returned any messages since XX/XX/XXXX. - I was in a total incapacity to be helped or to resolve this situation. Today XX/XX/XXXX, Mr. XXXX took the call and told me that TD VISA Bank gave him back my file, and confirmed that's why he took the call. He told me, when I asked why he did not answered or returned my calls since XX/XX/XXXX, he said that he did not feel that I will be able to pay. - Nice and encouraging. -- Unfortunately we are turning around, as his numbers {$7200.00} lumpsum or {$1500.00} per month for 6 months, we can not have an agreement. I told him again that I can not commit myself with a high amount of {$1500.00} per month and maybe have other problems. So, the conversation stopped there. Unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I am XXXX XXXX, a customer of First Horizon Bank, formerly known as XXXX XXXX  XXXX. 
My Account number is XXXX. This is a personal checking account. When I opened this account I remember there was a promotion going on for joining bonus of {$200.00} and I remember I signed up for that. 
Till date I have not received that bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: CA

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018 I applied with XXXX XXXX of XXXX to purchase a mobile home. We had to apply for a Mobile Home Loan via their loan servicer Vanderbilt Mortgage and Finance. In the process of transferring my handwritten credit application into electronic form the income reported for the borrower was doubled. Also when signing the closing loan documents the borrower nor the co-borrower were advised of our right to rescind, a notice of rescission was never given to us. 
We also have 2 different conditional loan approvals one states we are married the other states we are not. one states that we wish to not disclose our race while the other one states our race. One loan approval has a higher interest rate, higher payments, while the other one has lower interest rate with lower payments, all based upon the same reported income. I believe that myself and the borrower are both victims of predatory lending. as a result of a financial hardship we were sent a letter of default and subsequently evicted. Also an amount of XXXX and an eviction was reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient has constantly pushed my payment out and charged me an ungodly amount of interest. These loans have even kept me from being able to buy a home!! a home for my XXXX year old daughter, that's right I live with my mom! Thanks Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
*Loan was initiated XX/XX/XXXX by PNC bank *Loan is already existing with company since XX/XX/XXXX as an equity loan. I needed an additional XXXX for roof replacement. 
* Everything was going smoothly until loan officer said they did an appraisal but only a walk through was actually done. They never did an appraisal I provided them with an old one that was done in the first loan process. 
* They have told me over the months of this process that they are waiting for the appraisal to be validated ( whatever that means ). It was in the hands of the appraisal and not the underwriter. Which makes no sense because an appraisal was never done. 
To date I have only been provided one letter that stated I met all the conditions and that my end date for application was XX/XX/XXXX. Which after questioning they told me to not worry about. This whole situation seems to be very unethical and discriminatory based on my race and neighborhood demographics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. And I have filed a police report with my local police department to have this issue investigated

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 2019-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2019, a friend transferred {$250.00} ( USD ) to my paypal account from her XXXX XXXX Visa Debit Card for a private event. She paid a {$7.00} transaction fee, totaling {$250.00}. 


When I logged in to Paypal, it showed my currency as Euro, even though I am not now nor have I ever been a citizen of the XXXX or lived in XXXX. I have always been an American citizen and have always banked with U.S. based financial institutions. My linked accounts in PayPal has remained the same U.S. based financial institution. 


My PayPal account shows XXXX Euro were transferred in this transaction, which converts to ~ {$240.00} USD, a {$10.00} difference of what was actually sent. There is no explanation on the {$10.00} discrepancy. So I contacted support to find out why Euros were showing in my account, if they could correct this and to correct the {$10.00} discrepancy. 


My fist contact to support was on XX/XX/2019 through their message center. A series of messages were sent in which multiple representatives were involved and were providing inconsistent and largely incorrect information on how to resolve this. It was clear a phone call would be necessary. On XX/XX/2019, I called support about my problem, after about 30 mins on hold, my call was disconnected and nothing was resolved. 


On XX/XX/2019, I called support again and spoke with a representative who identified herself as XXXX. On this call, XXXX informed me that the currency was being converted to Euro and a conversion fee was being charged, even though the additional fee was not detailed anywhere in my or the recipient 's transaction. I explained to her that this transaction originated in USD from a U.S. based bank account and was being transferred in USD to another U.S. based bank account, both the sender and recipient are American citizens and we both live in XXXX XXXX, CA. Yet she repeated the same information. When I asked to speak to a supervisor-a request I kept insisting on for about 20 mins, she refused to transfer me over to someone continuously stating they were all occupied and instead instructed me to read PayPal 's terms and conditions ( T & C ). When I asked her to point me to the T & Cs that specifically detailed this situation, she was unable to give a precise location. After being on the call for 40mins, it was clear nothing was getting resolved through support and she would not forward me to a  supervisor, so I got off the phone call. 


Unfortunately, I am now left without a resolution after spending several hours trying to resolve this issue and lack of trust in PayPal 's support infrastructure to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Got in a car accident on XX/XX/2017 was not my fault my car was claimed as a total loss My insurance company paid the fin financing company called Chrysler Capital what the car was worth at the time of the accident. And with my car deal I paid for gap Insurance where they would pay for the remainder of the car after my car insurance paid and about a year later Im getting letter and phone calls from the financing company saying i still owe them money. I would like some help with this dispute please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I had a PayPal online credit account. I paid each month on the balance. Suddenly, I began getting phone calls and direct mail from Synchrony Bank saying they are representing PayPal to collect debt. I'm sending them money each month, they've reported that I owe them over {$1100.00} to XXXX  and the other 2 credit agencies and have closed the account. Yet, they are harassing me via phone call every 10 minutes every day. They phone callers leave voicemail messages only stating " hello, hello '' and stating my first name with the caller stretching out pronouncing my first name like a stalker, then they hang up. This happens back to back, then they wait an hour then do that again. The ONLY reason I know it's them is because I call the number right back after I answer and they hang up on me. Then a woman says she is Synchrony Bank. Then I will tell her that I've asked them repeatedly to stop calling me, stop calling my family, stop sending me mail threatening to send me the collections and that being a single parent on SSI there IS NO money yet I'm still sending money each month so just stop harassing and threatening 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 non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
I opened a dicover credit card inXX/XX/XXXX. It is no interest if you pay the minimum money every month. And it start to charge me the interest from XX/XX/XXXX. Without any email notice or statement, I didn't received the statement. When I find the interest charge, it already been charged for 4 months. I think it is okay for discover to charge the interest but they need to inform me by email or app notice instead of just silently charge the interest. I realized it and paied all the balance. But I still want to argue for the interest they charged on my account with no notice from XX/XX/XXXX. 
I think it is their abligation to inform customers of changes of interest policy. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: MA

Complaint narrative:
Experian is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why Experian had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX  as a result of Credit Dispute # 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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. And I have filed a police report with my local police department to have this issue investigated

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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transactions that I have made or authorized. It is the result of identity theft. And I have filed a police report with my local police department to have this issue investigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I WOULD LIKE TO HAVE MY CREDIT ALERT REMOVED AND CREDIT FREEZE REMOVED FROM MY CREDIT REPORTS. I HAVE A UNKNOWN ADDRESS ON MY FILE THAT I NEVER LIVED AT PLEASE RMOVE : XXXX XXXX XXXX XXXX XXXX, CA XXXX. I HAVE LIVED IN OHIO MY WHOLE LIFE!

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 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

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 2019-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Student Loan Financial Assistance
State: SC

Complaint narrative:
In XX/XX/XXXX I finished my payments to XXXX XXXX XXXX XXXX, which is a student loan rehab program. on Friday XX/XX/XXXX, I responded to a voice mail from XXXX. It was a company called Student loan financial assistance ( SLFA ). They were claiming to help me with my new federal student loan repayment options. When I called SLFA I spoke with a man named XXXX. He said I qualify for the student loan forgiveness program. He said my monthly payments can be {$0.00} after I make three payments of {$170.00}. XXXX asked me to email him my proof of income, checking account information routing and account number, Social Security number, and a picture of my last billing statement form XXXX XXXX. He then emailed me a 15 page agreement to sign off on. This was all done while on the phone with him. Once I e-signed the documents, He stated all I had to do now is make the three payments of {$170.00} in three months and after I will have a monthly payment of {$0.00}. I made my payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I thought my loan was in good standings now. In XXXX I noticed I received a bill from XXXX  stating that I am pass due on my student loan payments and need to pay {$220.00} by XX/XX/XXXX. I was confused because I obviously though SLFA took care of this. I called XXXX on XX/XX/XXXX and explained to them everything about SLFA and they said I was scammed because they are the company in charge of my student loan repayment options. And they had never heard anything about or from that company. after going back and forth with XXXX and SLFA each company was telling me the other is the scam. Confused and upset, on XX/XX/XXXX I called studentloans.gov and spoke with the Student Loan Support Center. They assured me that XXXX was my true loan company and SLFA was a third party scam company that charged me a total of {$520.00} for a service XXXX does for free! Student Loan Support Center advised me to get a new Bank account and call Social Security to make sure my information was not used by the fraud company SLFA. I called XXXX back and they put me in the Income-Based Repayment plan for free. And said I should have never been charged for this application. My loan is now in good standings with XXXX. SLFA is a third party scam company that claims they are going to help with the loan but they do not do anything. When I would call them they would talk very unprofessional and rude, even yelling at one point and saying comments like " do you get it now '' and would put me on hold for over 30 minutes and always had a different excuse on why they haven't done anything. Like " your file was put on hold, '' " your case is different from others so " its gon na take another 90 days '' after I ready made the payments. I never spoke with the same person and they all gave me different excuses.

Company response to consumer: Closed with explanation