vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
I received a mail solicitaiton to apply for personal loan. On XX/XX/2018, I submitted an application online. 
During the online application process, Prosper requires granting access to a bank account through an online ID and password access for the purposes of depositing loan proceeds and automatic payment withdrawals. The application process also creates an online account/profile with Proper.

Subsequently, I declined the personal loan offer. However, when attempting to remove the submitted bank account information from my online account, Prosper does not provide any way to remove bank account information. I contacted Prosper 's customer support. Customer support was not able to provide any means to delete the bank account information. Therefore, Prosper continues to have access to my bank account. Prosper raised a request to close the online account, but customer reps advised that the bank account details could not be deleted. 

Prosper Supervisor : XXXX ( Supervisor ) Employee ID # XXXX Based out of XXXX, Michigan XXXX Employee ID # : XXXX Ticket # : XXXX was raised to close the account

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 2018-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I received an email that a dispute I filed yesterday with Equifax was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on Equifax website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me.

She then gave an email address that is invalid. I attempted to live chat with several more agents on Equifax website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/2018, i deposited {$500.00} into my paypal account, which they immediately put a hold on and would not allow me to transfer to my card or bank account which is suppose to be instant. On XX/XX/2018, they released my account, allowed me to transfer {$30.00} to my card, and immediately put a hold on the other {$470.00} for no reason. When contacting the company they had said there was no risk to my account, but they couldnt do anything about the security check. After, when contacting them, they pretend they can not hear me, and hang up. Or, when calling me back, will only let the phone ring once, then hang up so i cant answer, and just end up with a missed call. They never disclosed that i would have my money held, until after i had already transferred it. From my understanding, they have been doing this to every body, and refuse to give anyone answers. I believe they are holding it to invest it for the amount of time they are holding it, before they release it, without consent of the customers. I had a car payment, and rent due, that is now late, because they are holding my money. I can lose my car and will effect my credit score, not to mention possibly get me evicted from my place because i have not been able to pay the weekly rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
The number ( XXXX ) XXXX calls about 10 times per day. Does not leave a message and calls before XXXX and after XXXX. After further investigation it looks like LTD Financial Services is the owner of this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VANDYK MORTGAGE CORPORATION
State: NY

Complaint narrative:
I worked with Loan originator XXXX XXXX, NMLS XXXX with VanDyk Mortgage in XX/XX/2018. 

My husband and I were in the market for a new home, but was contacted by XXXX to assist in a credit consultation offered by her mortgage company. She asked for our financial information so that she can pull our credit report to assist us with credit repair BEFORE we put in an application for a mortgage. However, NO loan application was consented or submitted at the time of our initial discussion and fact finding session. XXXX has not spoken with either my husband or myself since the initial conversation, which we had over the phone and a follow-up email in writing. 

A few weeks later in XXXX, I received a letter in the mail that stated that we were denied a mortgage loan. XXXX had submitted a loan application for a 30 year mortgage that WE did not consent, approve, or even know about. She UNETHICALLY submitted an application for my husband and I based on the information that we gave her unbeknownst to us. She should be barred from practice, as it is against the law to submit ANY loan application without the consent of the borrowers, which we did not give. 

My husband and I had NEVER intended to apply for a 30 year traditional mortgage. We were looking for a VA loan, and the term were never discussed. This is further proof that XXXX processed a loan application OUTSIDE of our approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I received an email that a dispute I filed yesterday with XXXX  was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on XXXX website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me. 
She then gave an email address that is invalid. I attempted to live chat with several more agents on XXXX website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
S W Credit System XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Attempted to collect a XXXXXXXX XXXX bill I don't owe. 
Amount {$290.00} FALSELY reported to the credit bureau 's. 
Never provided me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I took out a private loan in XX/XX/XXXX with Navient. I have been a student for the majority of time between then and now. I have consistently had issues with Navient applying my student deferment in a timely manner, refusing to apply the deferment, and listing my account as past due when it was reported to them through the XXXX that I was a student. 
My most recent problem with this happened in XX/XX/XXXX. I had been enrolled as a student the prior semester, and the deferment was applied. I enrolled for the Summer term, but Navient refused to apply my student deferment. They ignored both my attempts to contact them and resolve the issue and the XXXX data reported to them. They also did not apply the deferment to my federal loans. I do know the XXXX reported my enrollment because another company I have a loan with applied my deferment without me needing to contact them. Instead of applying my deferment or working with me, they listed my account as past due and threatened late fees and negative credit information. 
After numerous attempts through XX/XX/XXXX and XX/XX/XXXX and a complaint with the XXXX XXXX XXXX, they had to admit they did receive the enrollment data and applied the deferment to my federal loans only ( which required no payment at this time as they are on income based repayment and my income is too low to require payment ). They still refused to apply any deferment to my private loan ( the only one requiring payment at this time ). The only reason I was given is that I can't have deferment any longer because they no longer offer NEW loans of this kind. That is ridiculous. Near the same time, I was also told that I have 12 months of forbearance available, which I repeatedly requested. That request has been ignored, with the same person ( XXXX XXXX ) responding to the email but completely ignoring my clear request to apply this available forbearance. I have made it clear repeatedly that I am unable to make the payments at this time. Not only am I a student, but I also do not make enough at my job to afford this payment above my basic expenses. In an effort to avoid the continued threat of negative information on my credit report as a result of Navient 's refusal to apply these payment postponements as agreed, I payed {$300.00} to bring my account current, having to short my rent and go without food to do so. Instead of working with me, Navient has continued to refuse to apply deferments, forbearance, or lower the payment amount. I believe they have reported negative information on my credit report, and are still attempting to strongarm me into payments I can not afford at this time with the threat of additional negative information on my credit report and added fees. I have been honest that I can not afford these payments and have tried to work with Navient, but they have made XXXX effort to work with me or honor the terms of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
Complaint Description : Rushmore Loan Management XXXX XXXX XXXX XXXX, XXXX, CA XXXX NMLS ID : XXXX ( XXXX ) XXXX is withholding my {$34000.00} National Flood Insurance Program claim in escrow and will not remit the funds to me. My property, XXXX XXXX XXXX, XXXX, OH XXXX was damaged by flood on XX/XX/2018. The damage was inspected by a FEMA inspector and XXXX insurance company paid the claim. By law the funds were forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX File # XXXX. Rushmore sent an inspector to my home and he determined that I had completed 85 % of the remediation and repairs. At least 6 times requests for 85 % of the monies held in escrow has been submitted by Rushmore 's 3rd Party XXXX XXXX XXXX. Each time the request has been denied. I have submitted ALL requested documents, receipts, transcripts, letters, etc. I need the money to complete the repair of my flood damaged home. 
Your Desired Resolution : I am requesting that Rushm ore Loan Management Company remit the National Flood Insurance Claim money that they are holding so that I can repair my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an account online with Citibank on XX/XX/2018 after the account was approved the same day they gave me my account and routing number so I changed my direct deposit with my employer. The day before I was to be paid which was XX/XX/2018 I received a letter from Citibank stating that they would be closing my account in 10 business days. I called Citibank and asked why the account was being closed they indicated that they didn't know but it was being closed by the fraud unit. I repeatedly asked to speak with someone who could provide me with more details as I had contacted my employer and been informed that the funds sent to Citi by my employer could not be reversed and Citibank would have to release them to me. I asked every representative that I have spoken with since the XX/XX/XXXX if they could advise on how I could get my funds as the account would not be closed for 10 business days, I was repeatedly told by Citi 's employees that a check would be mailed but nobody had an exact date. I was first told on the 10th business day, then it was 5-7 days, then 30 now as of today at XXXX CST they are stating it could take up to 90 days. I informed them that I am the only person in my home who is employed and that myself, wife and XXXX kids need these funds. I have been instructed to go into a branch but there are no branches in my state. I simply would like my funds to given to me and it shouldn't take 90 days as the Expedited Funds Act of 1987 prohibits banks from holding funds on new accounts past 90 days. I am extremely disappointed that no mater how many times I call I am told that the person I am speaking with doesn't handle this matter and that the department that does, does not have a phone number where they can be reached. I have also been hung up on by 3 representatives from Citibank. Most recently about 7 minutes ago which would've been XXXX This is ridiculous, how am I to resolve this matter if no one I've spoken with handles the matter and the department that does, doesn't have a phone internally or externally where they can be reached? I have spoken with Customer Service, New Accounts, New Accounts Fraud, Fraud, Loss prevention and customer relations and no has helped or provided me with concrete information.

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 2018-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: OH

Complaint narrative:
I called XXXX XXXX to see why I was being put into collection.XXXX XXXX told me it was for non returned equipment.i had returned this equipment.erc is the collection agency I contacted them to let them know I had returned the equipment and they said there was XXXX dollar late return fee I have not seen a contract with this on it with my signature.this is an added fee that I need a copy of the contract that states this.the man at erc said if I don't pay he will report to the credit beaureas.i informed him this was a violation of frca rules and I was contacting the cfpb.he said it could be resolved if I payed him today or he would report to the credit beareaus.this man was rude and abusive.under frca rules he can not report to the credit beareaus while this is disputed.he needs to be held responsible for his behaviors this was all on a recorded line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
This complaint is regarding my intent to discontinue my XXXX credit card ( XXXX card ). I've been out of the country for a month, which subsequently caused a missed XXXX XXXX card payment. In attempting to use the website, which is very and problematic and difficult. I ultimately had to call the XXXX XXXX-number and make my payments through that number. During the the conversation over the telephone with the credit card employee ( TD Corporation bank credit card ) I attempted to fix my access to my account electronically, with the credit card employee on the phone. None of their fixes would reopen my electronic account. I find the electronic account for XXXX XXXX card very difficult to use, so told the credit card employee I wanted to pay my account in full, which I did and close the account. I then explained her I wanted to close my account, so she transferred me to another bank credit card employee. This female bank employee on the phone wanted to know why wanted to close my account. When I explained it to her, and I must add I was civil and professional, she discontinued the call for no apparent reason. When I tried to call back the same numbers I had just used to contact the credit card company with it appeared my account had been electronically flagged and I was unable to get through to the credit XXXX  card company of TD bank ( recorded voice told me to call back later and discontinued the call ). I feel this business practice is a way to frustrate customers and ultimately thwart the customers ability close their accounts. I have concerns hat this might be a deceiving way to take advantage of customers who aren't persistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
Why is XXXX XXXX a debt collector employed by Modern Adjustment Bureau , INC, a California Corporation # XXXX, trying to collect 1 ) a debt paid to Dr. XXXX , the owner of the debt, in full about 5 years ago and 2 ) why is XXXX XXXX maliciously and illegally attempting to collect a debt in violation of California Civil Code of Civil Procedure, Section 337. California has a 4 year statute of limitation and the debt was incurred on XX/XX/XXXX and paid in XX/XX/XXXX. 

Also, in violation of FDCPA, violating sections 105, refusal to cease contact with me after I asked Ms. XXXX that for as long as she lives on this planet, I DO NOT want to contact with her via mail, fax, telephone, calls at work, on my cell numbers? Ms. XXXX, identified to me as an employee of Dr. XXXX, to whom the debt was owned and paid in full. She mislead me and falsified the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I didnt know there was an agency to make complaints in regards to this. I have been filling paperwork out for at least five years in regards to getting a discharge. I am XXXX XXXX, and I am unable to make any payments at all. I am on Social Security XXXX and can not make any payments at all. They tell me each time that they have not received them. At this point I dont know what to do. This is in regards to the Navient company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24 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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX ( XXXX  : XXXX  Experian : XXXX  ), Unknown Name ( XXXX : XXXX ), XXXX XXXX/XXXX XXXX ( XXXX : XXXX   Experian : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX/XXXX ( XXXX : XXXX XXXX : XXXX XXXX : XXXX  ), XXXX XXXX XXXX ( Experian : XXXX XXXX : XXXX  ), XXXX XXXX ( XXXX : XXXX Experian : XXXX ), XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX  ), XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX ), XXXX XXXX ( XXXX : XXXX : Experian : XXXX XXXX : XXXX  ), XXXX/XXXX  ( XXXX : XXXX  Experian : XXXX XXXX : XXXX ), XXXX/XXXX   XXXX : XXXX  Experian : XXXX XXXX : XXXX ).

Thank you

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