vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Had a XXXX XXXX and last Cable was paid by power of attorney but not fully. Called The company and they said any collection activity would be retracted. They are saying the item was deleted but XXXX  and Transunion are still reporting. The trade line should have Been deleted if not deleted then updated. I even disputed and they came back as accurate but it is not as it has been paid in full and even received an email for a credit back to my account from the company. XXXX  and Transunion are not reporting accurate 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 2019-11-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This was removed off my credit report keeps getting added back on also reporting wrong information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
Discover Home Loans  advertisers a process in which to prequalify for a HELOC rate on their website with no affect on a consumers credit file. I went through the process and got to the point where it said, Congratulations, you have prequalified for XXXX  and almost immediately received multiple text messages and emails from credit monitoring sites that a hard credit inquiry was pulled by Discover. This is completely opposite what was stated on their website about prequalifying for a rate and has  now added an unwanted and unauthorized hard inquiry on my credit files. I spoke with a home loan officer this morning to express my displeasure in the bait and switch advertising of their site and she refused to do anything about the hard pull inquiry. This is wrong to advertise one way with NO AFFECT on credit but then go through their process only to get hard credit pulls. I requested they remove the hard pulls and she declined saying there was no method to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
My wife and I agreed to a loan from this company to help us get out of debt and pay off some creditors quickly. We were referred by a sister company, Freedom Debt, whose program we were in at the time. While reviewing documents of the loan with the rep from XXXX  XXXX he went through everything at a pretty rapid pace until we got to the TIL ( Truth In Lending ) where he slowed way down. He covered the payment, the loan amount, the fees and made sure that we understood that the outstanding credit card debt was based on estimates and the amounts could change which could affect the maturity date of the loan. The fees and costs other then the actual credit card payoffs we understood would not change. After payoffs were negotiated with the outstanding credit cards the loan funded and we received the final numbers from the company. A couple of the cards were a bit higher then the estimated payoffs but we were ready for that and it was not an issue. What is an issue is that additional fees were added as well. Those fees are almost {$3000.00} more then what we were quoted from the TIL. I called customer service immediately and was told that the information was in the documents and available all the time. Again, the documents were explained to us page by page by the rep who signed us up for the loan, and as stated earlier everything with exception of the estimated payoff amounts and maturity date would remain the same. The additional fees were not mentioned by the rep or the time was not spent to confirm our understanding. Buyer beware, this product is costing us more then the credit card balances combined when we entered the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated
State: CA

Complaint narrative:
Same thing happened to me! They said that I had to file a claim AFTER the purchases cleared! I got a hold of the company where the purchases were made and they refunded the money as I caught the transactions the day they were made. So, I got the refund, but my card was cancelled due to fraud. I paid the {$20.00} to have it expedited with 2 day delivery. It has now been 4 days and still no card. Not only that, but now I can not get a hold of a live person because my card has been cancelled. When I select the option to see the status of my new card, it says they temporarily can not help and it hangs up I honestly think that someone has hacked their computers because I am finding a lot of people have had their accounts drained by fraud in the last month.They said it was probably because I have used my card online to order things. But, I have NEVER used my card for any online purchases!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
About 6 months ago I started the process to request a PMI waiver for my mortgage having followed the process outlined by Flagstar Bank. This consisted of the application and then paying around {$500.00} for an appraisal which I did. Once the appraisal was completed, I received a letter and notification that the modification wouldn't be granted because the home didn't appraise for a high enough value. I then asked for my options around disputing and was told to send in 3-5 comps of comparable homes in my area and they would review. During this time, I also saw that the home was appraised based on it being a 4 bedroom 3 bath and my home is 5 bedroom 3.5 bath. I also called in to dispute this and was told that the county had the home listed as such and that I needed to contact the county to correct this. I did this and per Flagstar, just needed to send them in new documentation provided by the county which listed my home as a 5 bedroom 3.5 bath. Flagstar told me that it would take up to 21 days for a review of the dispute and I called after this time and received the runaround and inconsistent information from their employees. The last person I spoke with early XXXX was extremely unprofessional and harsh and told me the decision was final and nothing further would be done. I would like to submit this claim based on the aforementioned items as Flagstar has treated me as a customer unfairly in these business proceedings. I have done everything requested of them and to no avail.

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 2019-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XX/XX/2019 my husband XXXX XXXX XXXX applied for Apple Credit Card and was approved at approx 11 % interest with XXXX limit. I went on 5 minutes later and was approved for 23 % interest with a $ XXXX limit. We are a small business owner and have same credit debts. Why would my interest be so much higher and my credit limit be so much lower than my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Premier Student Loan Center
State: GA

Complaint narrative:
I received a call from a service rep from Student Loan Premier Solutions about a year and a half ago. They stated that my current loan lender, XXXX, was involved in a class action lawsuit and that I could enter their program as long as I qualified because that class action lawsuit would guarantee me lower payments with Student Loan Premier Solutions. I ended up " qualifying '' for their student loan forgiveness program after they asked me all of the qualification questions ( income level, how many dependents, employment info, etc. ).

They stated I had to pay {$200.00} a month for 6 months which was supposed to be the initiation entry fees and then every month after that my monthly payment would be {$40.00}. 
I had been paying that {$40.00} a month for 6 months or so now to the point where I stopped paying attention because it was an automatic withdrawal from my checking account. 

Then, within the last few months I started to get non-stop phone calls from XXXX  which made me wonder what was going on with the program I was involved in with Student Loan Premier Solutions. I had already been skeptical about Student Loan Premier Solutions since the beginning because anytime I'm dealing with paying big amounts of money to a business like that I just hoped it didn't turn out to be some kind of scam especially since student loan forgiveness is an area where alot of people are getting scammed. So I started doing some research online and come to find out, Student Loan Premier Solutions is now all of a sudden out of business without any notifications to any of their customers. People are now finding out and people are extremely upset including me. I want to sue for ALL the money I paid them which had to be around {$1500.00}! 

I want this complaint to go the highest federal agency because I want restitution. Student Loan Premier Solutions scammed me and countless other individuals and I want my money back. I really don't even know what to do about this situation but hopefully this first step I am taking to file this complaint pays off.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
HSBC Bank, USA is granting loans based on US citizenship, which, in my opinion, appears to be a violation of ECOA. 
About two months ago, I was denied a credit card, though I have good credit, because I am not a US citizen. 
Last week, I received a pre-approval letter to apply for a personal loan. 
The application again indicates, unquestionably, that only US citizens are eligible to put in applications for loans. 
I could not complete the application beyond the citizenship question. 
So this morning I called to draw their attention to the fact that, under ECOA, one could not deny. a loan to anybody because of their national origin. 
After putting me on hold to enable the customer service representative confer with her superior, she stated to me in no uncertain terms that I have to re-apply after I become a US citizen even though I drew their attention to the fact that it is forbidden to deny credit to anyone based on their national origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On approximately XX/XX/2019 I sent Equifax a certified letter asking them to send me verification and method of verification of 3 negative accounts that they refuses to remove from my credit history. They send me a letter on XX/XX/2019 stated they received my request but was unable to locate my files. Just continue to give me the run around as if it's a game. This have been ongoing for serval months. They have sent me mail. But now they pretends not to be able to locate my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I am applying for PSLF. I submitted my first employment certification form in mid 2018. loan count for PSLF was lower than expected. I spoke several time with an ombudsman to have my loans recounted. at least 4 additional payments were identified during our conversation alone. I recently recertified with my employer, and the updated loan count is still not correct. Also, several loans that I was previously told would qualify for PSLF did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America engaged in the prohibited practice of Dual Tracking while my application for assistance was under review. 

I submitted my application was submitted timely and 37 days before the scheduled sale date of XX/XX/XXXX. 

Please see the attached documents! 

Federal Law Restricts Dual Tracking, The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. 

Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 

12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application.

12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes the application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application.

" Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.

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 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CRESCO CAPITAL INC.
State: IL

Complaint narrative:
Iam making a final goodwill will attempt to have you clear up this. Its my understanding that consumer financial protection bureau help enforce consumers right 's and stop bad reporting agencies from reporting inaccurate, incomplete errors on consumers credit report. Also be advised that this my third dispute letter, 120 days no response, this company is in violation of 15usc1681, no need for me to go into details and tell you the law your company know for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. Iam sure that you are aware current federal 1case law which states that consumer reporting agency bear grave responsibilities to ensure the accuracy of the account they report on their responsibility must consist of something more than merely parroting information received from other sources which means that if you can't send me proof of this unknown account from your this company it must be removed its that simple. Another note for Violation is section 1692g ( B ) Collector must cease collection effort until debt is validated. Section 1692g ( a ) ( 5 ) must provide name/address of original creditor if different from current creditor which i have np idea of. Section 1692a ( 8 ) failure to communicate that a debt is disputed to the other reporting agencies, this company has violated the laws, and have ignored my request to provide me with the documents thats in their file which i disputed months ago. Its obviously this company cant verify this account, and under section 611 ( 5 )  ( A ) of the FCRA you are required to promptly delete all information including the three major bureaus which can not be verified. Sounds like a civil liability, and i won't ever remedy that is granted to me for negligent noncompliance section 617 states if you fail to comply with this federal law, i can pursue litigation to enforce my right under the FCRA, i truly demand this account to be deleted immediately. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: KY

Complaint narrative:
Opened Cash App Company managed to take {$960.00} out of my bank/cash app. 
Contacted many times. Stated they will call back with no call backs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My social security number was stolen from me to open fraudulent accounts with Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX PULLED 8 SPY INQUIRES FROM MY EXPERIAN. SEE ATTACHED. REMOVE ALL INQUIRIES OR BE SUED IN CLASS ACTON LITIGATION.

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 2019-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
PennyMac treated myXX/XX/2019 payment of {$1900.00} as a principal reduction payment yet only reduced the principal by {$31.00}? 

This was a monthly payment. It should be processed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc.
State: NJ

Complaint narrative:
Per this debt collection agency letter to my complaint I had two options of which I will attach. I have paid the debt online as they have stated I can do but now they are requesting I send them a signed credit card authorization form in which I have already paid the debt per their letter this will be remove from all credit agencies once paid I have up held my end of the bargain. This is unfair practice. 


I have attach their letter to my complaint I. Which they stated I can pay online and I have attach their payment email. They are stalling deleting off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2019-11-11 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: GA

Complaint narrative:
My social security number was stolen from me to open fraudulent accounts with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
PRA PULLED 8 SPY INQUIRES FROM MY XXXX. SEE ATTACHED. REMOVE ALL INQUIRIES OR BE SUED IN CLASS ACTON LITIGATION.

Company response to consumer: Closed with explanation