vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NE

Complaint narrative:
Our struggles with our mortgage company started about the sixth month we got our mortgage. My wife, daughter and I all started having health problems, which in turn caused us to have financial issues. My wife missed eight months of work and it caused things to spiral out of control even further. This company has been a nightmare. We have been harassed to the point they are sending people to put notices on our door to call the company and tape them to our door. The tape is so heavy duty, that is actually damaging our door! The financial figures the company comes up with do not make sense. Our escrow account has been mismanaged. When I filed a complaint prior, we received money back from the company and things got better for a little while. I have attempted several times to work with the company until we can refinance, but things have been quite overwhelming and like a domino effect in every facet of life. I keep making payments well beyond our monthly payment each month and the monthly payment keeps going up and up and up. The Money Source keeps employing predatory tactics to steal our home and I don't know how they get away with this. If we have a fixed mortgage, how can they keep raising our monthly payment? They have a " bucket system. '' So when I am caught up as far as I am concerned on our payments, they keep saying we are behind on our mortgage and charge fees. Now our loan is in default. For six months we had an agreement if I paid this ridiculous rate we would be caught up. For 5 mos I paid the payments on time. The sixth month I paid the payment a week late and they said that made the contract null and void and we were in default and therefore were 1 to 2 mos behind again. I don't understand at all. I have been trying to contact the HUD FHA resources, but due to other issues and the government shutdown, I did not receive assistance. However, I plan to try again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX, XXXX & Transunion is reporting unverified accounts in collections. Accounts have been disputed but Transunion failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$280.00}

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 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since 2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XX/XX/XXXX I took out a loan/line of credit with XXXX XXXX the credit limit offered was {$1600.00} but I only took {$800.00} at the initial time. I made payments to the loan, but made some additional withdrawals, never exceeding the approved amount of {$1600.00}. Unfortunately I fell on hard times due to loss of employment and could not pay in XX/XX/XXXX. But XXXX XXXX is now stating that I owe {$4500.00} that is a difference of over {$2900.00} in fees. I received a letter from an attorney stating that I owed a total {$4700.00} and the letter from the attorney says my financial obligation {$3500.00} plus attorney fees of {$1100.00} that says now the total is {$4700.00}. I contacted the attorneys office advising that the balance was incorrect and asked for statements and a description of the amount owed. The attorneys office sent a print out of transactions that is " not '' on XXXX XXXX letterhead, and did not provide a description of charges and fees that they were adding to a balance that they are not the original creditor on. They did send however a " XXXX XXXX Flex Loan Plan Disclosure and Account Agreement ''. The attorneys office sent a letter and stated in the letter, " Since we understand that you do not plan to pay this obligation voluntarily, we will proceed with suit. '' I never said that I would not pay and the letter I sent them was to get the correct balance so that I could pay. I do not think that it is fair if they contacted and I responded for them to assume that I did not want to pay. I just am not in the position to pay the absorbent amount of fees being charged when the flex loan did not exceed {$1600.00}. I simply sent the letter to find out where the additional charges are coming from. I want to settle, but I do not feel they should try to sue me if I am willing to work with them. I called the attorneys office and they just keep saying the amount is accurate and still failed to provide me the info on where the additional monies are being added. One statement shows one balance and the attorneys letter shows a different balance. It shows two legal fees of {$85.00} and {$42.00}, but the attorney listed fees on the letter they sent {$1100.00}. I am still baffled as to where these amounts are coming from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: MO

Complaint narrative:
XXXX, Experian & XXXX is reporting unverified accounts in collections. Accounts have been disputed but XXXX failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$280.00}

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 2019-02-23 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: MO

Complaint narrative:
Equifax is reporting unverified accounts in collections. Accounts have been disputed but Equifax failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX- {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XX/XX/2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of five. 

Please help me in getting this item removed- XXXX/XXXX  XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX   XXXX : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<

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 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XX/XX/2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX/XXXX  XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX-XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX Remarks : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XXXX. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX   XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX  Remarks : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<

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 2019-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
When I went to open a checkings account I was denied at TD Bank. I then discovered about an account where at the time the account was reported open I was a minor and I should not be responsible for the balance. These such items have been included with my report due to overdrafts. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-23 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: AES/PHEAA
State: IL

Complaint narrative:
I don't really know what section my issue goes under. I attended XXXX XXXX university online in XXXX into some of XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
It is for an old bank account and the debt is {$440.00}. I have been told to appear at a show cause hearing. I have told the company I cant make it to the court hearing due to health reasons and as well as Im on XXXX and limited on funds. I have set up a payment arrangement with the company however they still want me to appear in court. I have only been sent the letter for court in the mail and not properly served by a sheriffs office. The court date is in another county and I live 3 hours away from that court. The agency is XXXX XXXX XXXX and they have not been understanding of my situation. They have stated even if on a pay arrangement and I dont attend the court date that further legal action will continue or bench warrant issued

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In the month of XXXX, I called into Wells Fargo Bank, and reported I was a victim of Identity Theft. I also requested to obtain all documents related to my Wells Fargo account. I was directed to many departments and Finally I reached the Executives office. I was told It would take about three weeks for me to receive the documents. I received the a letter from Wells Fargo Bank on XX/XX/XXXX The letter states It was written in reference to my XXXX XXXX account, that was administered by Wells Fargo. I don't have a XXXX XXXX account. I applied for an account through XXXX XXXX XXXX for XXXX services. The letter also states the documents and invoice could not be provided due to the merchant are no longer in operation. 

I then received a letter from Wells Fargo Bank on XX/XX/XXXX, from the XXXX XXXX XXXX XXXX Office. The letter states they were responding to my concerns. It also states my application was submitted on XX/XX/XXXX. My application was not submitted on XX/XX/XXXX. My application was submitted on XX/XX/XXXX. Along with this letter was a copy of the invoice and application that was submitted by the merchant via the XXXX. On XX/XX/XXXX, I was charged a payment of {$190.00} to my personal credit card for the merchants in house dental Insurance.

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 2019-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: WA

Complaint narrative:
CFPB Reference # XXXX New complaint with the same company. I have not heard back from AFR/XXXX. 
Now they have just sent us a new disclosure statement, it is incorrect. Because of their error they are expecting us to pay almost one hundred dollars more added to our monthly payment because of shortage. I would think that they could not do anything with our account until this is correct. I have not heard anything back from them, I have called, written, emailed. Attached is my balance sheet of our escrow account. 
I would really like to get this taken care of. Thank you, XXXX XXXX Loan # XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23 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: GA

Complaint narrative:
I pulled my credit report and found several accounts opened in my name that did not belong to me. On XX/XX/XXXX I sent a letter to Experian requesting validation of debts on my credit report ( XXXX XXXX, XXXX XXXX, XXXX XXXX, EXXXX, XXXX XXXX  and XXXX XXXX XXXX ). Experian received my request XX/XX/XXXX, but did not respond within 30 days or after. 
I sent a second letter on XX/XX/XXXX asking for the removal of all debts disputed considering there was not a response within 30 days of the return receipt. Experian received this letter XX/XX/XXXX and did not respond within 30 days yet again. However, I did receive an updated credit report with only half of the disputed accounts removed ( XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. 

I sent a third letter on XX/XX/XXXX asking for the removal of the remaining accounts considering they failed to respond to my disputes on XX/XX/XXXX and XX/XX/XXXX. Experian received this letter XX/XX/XXXX and sent me a response XX/XX/XXXX stating, ..items disputed were verified as accurate. I also sent a dispute letter, XX/XX/XXXX to XX/XX/XXXX, to the remaining collection companies ( XXXX XXXX, XXXX XXXX and XXXX XXXX ). I did not receive a response from the collection companies nor did I receive any valid proof that the accounts were opened with my authorization. 

Experian received a fourth letter from me, XX/XX/XXXX requesting a signed copy of any original documentation ( a consumer contract with my signature ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). I also stated that they failed to provide me the method of verification as required under Section 611 ( a ) ( 7 ). According to Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to ..promptly delete all information which can not be verified. They sent me a letter stating, " ..items were verified as accurate. '' I am entitled to have a copy of the signed contracts authorizing my consent under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. If there is no viable proof that I opened the unverified accounts, signed a contract, and could not get proof from either the Credit Agency ( Experian ) or the Debt Collectors then all of the disputed accounts should be deleted immediately from my file. Since XX/XX/XXXX I have not been given any proof of how their investigation was conducted or completed which is a violation of Section 611 ( a ) ( 7 ). My request for reasonable documentation, confirming my authorization to open the account  with my signature, is warranted and not unreasonable.

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 2019-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
Hello, I have submitted a few complaints on serves trying to fix my life after Identity theft, these operations I put my whole life in to would not stop people from accessing my accounts, I have a few questions that really concern me, I was selling on XXXX my kids where young I closed my Auction House in Colorado of 7 years, went online XXXX was new payment where mailed and Paypal came along, I said how cool is that email money so I signed up and opted in to the stock options don't the 10 % of my sales went to it all was great fast payments, then they started with Holding money taking money out of account making other bills bounce and you could not do a thing. Anyway a few years later they did something I'm still trying to figure out those options disappeared and there was purchase % that u got back just like all card do. What happend to my stock options?? Now for the main thing I'm working with FTC following my recovery process and PP called them 8 mo 6 mo 4 mo, and also when it went on in XXXX of 2016 my primary email XXXX was having hackers taking it over I lost control of it so I switched to a XXXX I also moved in with my GF I change it all on PP. Any way The hackers crashed my site on XXXX 15000+ 100 % top rated. I told them to help me and it was not me doing all that bad service, The crooks were changing my shipping address and my ship out times and passwords it was a nightmare PP put dual security I thought good did not help one bit. The text with the code would bounce out before I could read it, So their bright idea was to lock me out. They left everything selling, I would see it sell and customers would pay so I would shop it out, Then I was contacted by a long-time customer asked what's wrong? I said what do you mean. He said he received a letter XXXX they sent it to all my customers I'm taking thousands the letter stated that I was selling outside of XXXX as parameters which I was not it's not true!! then all the customers started returning the products they didn't come to my address they went elsewhere? XXXX? I moved my address was updated to XXXX customers called me and said they were starting a return and not sending the product back and they got to keep {$520.00}. XXXX XXXX nothing I could do I closed I disconnected Paypal and left my balance in the +, I'm supposed to be protected I know all about online safety after 25 years. So I heard. im 4000 or more in the red they were selling on my account after I closed, I made police reports and begged for help I just lost my only source of income and Every time I called in it was 4 hours and no help. I lost everything I had built. Now they help can't get a 1099-k 8 months ago and asked every time still sending it to XXXX I told them where I live, people calling in pretending to be me and getting my money and things Please help

Company response to consumer: Closed with non-monetary relief