vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
We are currently going through a short sale on our home with a company called XXXX XXXX XXXX XXXX XXXX, we have been going through this with them for well over 8 months. They represent a company called Midland mortgage and they have been delaying the process over and over, we have a buyer for the home willing and ready to purchase and XXXX just keeps delaying the process. They have asked for the same information on numerous occasions ( which I have kept all documentation ), but when we call them we can never get the contact person they have assigned us so therefore we are thrown into a pool of people in which we never get the same person so they read through the notes only to tell us, we have all the information we need it is sitting with the under writer. Then it ends up needing a new appraisal because XXXX has caused it to be out dated. We have had numerous appraisals as well. I can not explain the frustration and anxiety that this has caused but would like to see a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/2015 I purchased my very first home. I incurred high balances on several of my accounts as a result of renovations and making the house our home. I also sustained a small injury and a small medical debt while renovating. Needless to say these things caused my credit score to drop. 
I 've been paying everything down as best I can ever since and have never been late on a payment. 
But every time I make a substantial payment towards my Synchrony accounts they lower my credit limit to just above what the new balance is. 
This makes it look like I continue to have high balances on my accounts which keeps my score low. Then because my score is low, they lower my limit on another account and so on. 
So far I have XXXX accounts that they 've done this to. One of which has dropped from a {$4500.00} limit down to {$1700.00}. 
They are the only creditor that I have that insists on doing this kind of shady business. 
I am not being treated as a customer, I am being treated as a number or better yet, a risk. 
I have filed a complaint with the XXXX and am waiting for Synchrony to contact me in regards to this issue.

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 2015-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Northeast Collection Bureau
State: GA

Complaint narrative:
I have received numerous phone calls to my cell phone ( XXXX ) from XXXX ; sometimes, 2-3 calls back to back in one day. The number will ask you to press XXXX to speak with someone ; however, no one is ever available to take the call. 
Today ; I was called, yet again and this time XXXX XXXX answered after selectingXXXX, I advised I had no knowledge of the bill stated owed XXXX, he advised I needed to look it up on the internet to find out. I asked him to no longer contact me. He stated he would contact me at a later date. The repetitive phone calls to my cell phone are harassing, and should be covered under the TCPA. Since Northeast Collection XXXX is n't able to provide any details to the bill, yet continue to harass me, I request a cease and desist before I move forward with legal action. 
A written request has also been sent XXXX XXXX XXXX XXXX NY XXXXEvery call received ( answered and missed ) is documented and printed, including the voice mail messages left.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
Hello, I believe Paypal has illegally seized {$9800.00} from an illegal debt collection attempt ( debt 10 years old and not under my account ). These potentially illegal policies undertaken by Paypal effect many Americans who have been very vocal but as of yet not heard. I appeal to you to please investigate Paypal. I have included my story below. 

On XXXX/XXXX/XXXX Paypal limited my account so I could no longer remove my balance until I contacted them. When I called they informed me that I owed a balance of {$1300.00} and they were freezing my account and my wife 's account until it was payed. This {$1300.00} dollar debt was not part of either of our accounts and was not our debt however they " hard linked '' our accounts to this defaulted account and held over {$13000.00} to cover a {$1300.00} debt that was not ours to begin with. To add insult to injury this debt is from XXXX XXXX, well outside of any statute of limitations date in America. I feel this debt collection attempt was illegal. 

I called Paypal to inform them of this illegal debt collection attempt and I was finally put in touch with an individual named XXXX who was 4 supervisors up in the call chain. He assured me the problem was fixed and the debt was cleared off our accounts. He spoke of white listing the defaulted account. 

On XXXX I attempted to move funds from Paypal to my personal bank. It was blocked. Paypal stated they wanted more information. They asked for my drivers license and a copy of my invoices. I complied. Within the hour my account was shut and my money seized and I 'm now being told I must wait for 6 months to receive my funds XXXX if there is any truth to that ). 

I 'm being harassed for an illegal debt collection that is not mine and now Paypal has seized my cash balance of {$9800.00}. Paypal has seized {$9800.00} to collect on a 10 year old debt for {$1300.00}. 

Thanks for you time and help, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
Lender charged my account when it was not expected/unauthorized, which cost me overdraft, return check fees, and bank account is at negative status.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
For several years now, I 've been unable to view my Experian credit report online at AnnualCreditReport.com. The website provides no information regarding the reason for this ( e.g., whether there 's a problem with my application, or perhaps they 're just doing server maintenance, etc. ), so there is no way for me to take action to correct the problem. 
They do provide a way to request the report by mail, but I need a soft copy to store in the computer. 
I 've found several other people in online forums who have the exact same issue ( and no problem at all with the other XXXX credit agencies ). For your reference, I 'm attaching a screenshot of the now all-too-familiar denial screen. 
One gets the impression that Experian wants people to " become members '' at their own online service, for a fee. 
Is there a way to require them to explain why such online requests ca n't be processed and provide users a pathway to resolve the problem? 
Thanks for all you do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I initially sent a dispute as the info on my Equifax Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureau. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or XXXX party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XXXX/2016 not XXXX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XXXX 2016.. This items should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
See the attached dispute results, dated XX/XX/XXXX, showing XXXX credit card account XXXX " updated ''. 
Based on the reported Date of First Delinquency/FCRA Compliance Date of XX/XX/XXXX, as well as applicable state law ( NY GBL 380j ) limiting reporting of paid charge-off accounts to no more than 5 years, this account was considered " obsolete '' and had to be deleted as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 've filed multiple disputes to have the company XXXX removed from credit report and Equifax just keep replying the item has been verified as yours. The company XXXX has settled a lawsuit with Florida Attorney General XXXX XXXX on XX/XX/2016, and in the settlement any XXXX, XXXX XXXX loans are to be removed from the credit bureaus. The settlement also sttes that XXXX violated Florida 's consumer protection, consumer finance, and usury laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: High Point Asset Inc
State: CT

Complaint narrative:
HighPoint Asset. Keeps calling me for a payday loan that I never took out. Says they will take me to court or a warrant has been issued for my arrest. I asked for the request in writing and never received it. They just wanted money. I ignore them and block the phone number but they change number every few days.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
A new debit card with the logo visa was issued and was supposed to come in the mail, my account balance was {$16.00} but when I went to check it it was at - {$4.00}, when I saw my current bank statement it said that the debit card was used but I have n't received it which was odd. Called to the US Bank and was told someone activated my card and used it at a gas station which I knew I did n't make, the personnel at the bank told me that after various attempts to withdrawal money from my debit card failed because of the wrong pin number, the remaining quantity of {$11.00} was used. Then we proceeded to make a card fraud report with the bank via phone.

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 monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Screening Reports Inc.
State: NJ

Complaint narrative:
I have never been evicted. The report done by Screening Reports shows XXXX eviction notices. XXXX notices are the result of the rental company filing paper work too quick and not giving me a chance to take care of things. The XXXX from XX/XX/XXXX was quickly rectified, we never went to court. The XXXX from XX/XX/XXXX was a mistake. I gave the landlord written notice of my intentions and the next day I received confirmation of this information. I left when I said I would. Several days later I received a intent to evict. I called the landlord and they said they would take care of it. If they would of taken care of it there would be NO record on my report. I explained this to Screening Reports. They told me, " there was nothing I could do about it and it would be there for XXXX years. This is not fair. I was never evicted. I fell behind XXXX and now I am unable to find a place for my son and myself to live.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX shows a false credit issue via XXXX in XXXX, MS . I will attach supporting documents for this claim, as it has been dragging on, intentionally by XXXX/National Credit Systems/XXXX/XXXX. I request they delete Acct # XXXX from my records immediately. The debt is incorrect! I gave a timely 30-day to notice to vacate ( and left the place SPOTLESS ), however, my records should not be tarnished due for their lack of sufficient Administrative help, since they did n't acknowledge receipt in a timely manner. I have been working on this for almost 6-months, providing as much documentation as I can to get this resolved. This has caused tremendous stress and I may now have to seek legal council ( which will cost more money ) for assistance, and if so, I will request reimbursement for legal costs incurred. This is a scam on the part of all parties involved and the XXXX of it all has caused me to miss work. This is a very important matter, that I do not owe and they had the audacity to send a " 50 % Debt Reduction Offer '', as a resolution. I DO NOT OWE THIS and this incorrect item has caused me to be denied residency. This is a false claim and very unprofessional of all parties to have allowed this incorrect issue to linger. Please correct ASAP.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ROC Asset Solutions, LLC
State: IN

Complaint narrative:
This company called API keeps calling and harrassing me. At home, work and my cell phone. They call multiple times a day and threaten me. They also claim that I have been " officially notified. ''

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: CA

Complaint narrative:
As you are aware, FedLoan Servicing, the plan administrator for the debt forgiveness program created in XX/XX/XXXX, may not be honoring its commitment to forgive student loan debt after 10 years of ( employer certified ) public or nonprofit employment - just as the 10 year requirement has been met by borrowers. The Department of Education has suggested that " borrowers could not rely on the program 's administrator, FedLoan Servicing to say accurately whether they qualify for debt forgiveness. '' The article goes on to say that thousands of approval letters sent by FedLoan Servicing are not binding and can be rescinded at any time. Neither FedLoan servicing nor the Department of Education is offering any explanation, according to an article in the XXXX business section dated XX/XX/XXXX. 
My concern is heightened by the Trump 's administration 's desire to abolish the CFPB, leaving borrowers without any recourse or protection. 
I am equally concerned that the Income Based Repayment ( IBR ) program will be discontinued. As an enrollee in the IBR program and an employee of a XXXX, my monthly payment was reduced from {$740.00} to {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services
State: TN

Complaint narrative:
I have a loan with Lendmark in XXXX TN. I signed up for an insurance product ( unemployment insurance. ) it was explained to me that if I lose my job my payment will be covered for 3 months. I called and was denied the service after rightfully paying for it for 7 months. I was told to come in and refinance my account and the TILA boxes nor the new contract was properly explained. 

I felt cornered to sign and accept the terms so that the creditor does not tarnish my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAB Receivables, Inc.
State: KY

Complaint narrative:
I had a collection show up on my credit report from CAB collection company. I never received any type of dunning letter or given my right to dispute the debt. I immediately disputed the collection with equifax and CAB verified it. I filed a complaint with the XXXX and told them my concern and asked for there help. CAB just kept saying that they had know knowledge of the debt and they couldnt find any record of it. I gave them the account number that is on my report, the original debtor and the amount of the debt. They kep saying they had no record and couldnt help me. How can they report a collection on my report and not have any record of it. If they cant show validity of the debt or cant find there records then they have to remove it. I attached a copy of the XXXX complaint so you can see where they admitted that they have no record of it

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: National Asset processing LLC
State: MD

Complaint narrative:
Called me and said I owed on a payday loan and they were going to sue me and garnish my wages. I asked for the original loan agreement to be emailed to me and they said they could not all they could provide was a letter confirming a payment agreement after I gave them my atm card number.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CATHAY BANK
State: CA

Complaint narrative:
I opened a Cathay Bank employee account when I joined the bank in XXXX, but did n't close out the account when I left the bank in XXXX. I have recurring loan payments drawn from this account every month. Recently I found that the there was a charge of monthly management fee of {$15.00}, an ACH debit was returned and an NSF fee of {$25.00} was charged also. All of these showed up in my account without any notification from the bank up to this point by mail or email, and the bank policy explicitly states that employee account would n't yield any maintenance fee. I did n't receive follow-up instructions of how the account will be handled after my departure from the bank either, and I was never charged of such kind of fee before. I realized the issues and called up the bank, but branch manager insisted that the bank will charge a account maintenance fee because it 's a " valueplus ' account, and they 've been sending me statements, which was not true. I asked the manager for a refund of fees for above reasons and also since I never received such notifications of fund return and NSF fee, but the manager would n't admit it.

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 monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC.
State: CA

Complaint narrative:
Myself, family and my ex husband have all been receiving multiple calls per day from a company identifying themselves as XXXX with a contact number of XXXX. Per this company I have an outstanding payday loan from a company called XXXX XXXX, that was taken out in 2011 in the amount of {$400.00} and a formal complaint has been filed against me. No such loan exists and I 've asked them to stop calling me and my family, but they keep calling. I am also concerned that they know who I bank with and know the last XXXX of my SSN. The rep I spoke with wo n't tell me what XXXX stands for.

Company response to consumer: Untimely response