vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
In XXXX of 2017 XXXX XXXX University granted my request for tuition adjustment based on personal and health matters for the previous two semesters. ( Supporting Documentation will be attached ) I was told that the tuition for the two semesters would be credited to my account and i would however still owe whatever fees were accessed. XXXX XXXX ended up only crediting my account for one of the semesters and began sending me bills for the other semester. I spent hours on the phone with the bursar office who eventually told me they could not adjust my tuition and it needed to be paid in full. According to " XXXX '' from the Business office they were having trouble figuring out my files because they converted systems. XXXX XXXX then sent my bill to collections with Eastern Revenue INC. I explained to them my situation and scanned them my supporting documents. They contacted XXXX and were told I have to call to straighten it out. I did so and spoke with a gentleman by the name of XXXX again on XXXX at XXXX, who ultimately only apologized and said there is nothing he can do. Throughout the past two years I have sent them the letters and emails showing my grant for tuition reimbursement and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
My wife and I called Opploans on the evening of XX/XX/XXXX. She settled her past due account with them for XXXX. She immediately received an email confirming the settlement payoff. Since the pay off she is still receiving calls from the collections department on this account. While on that call we also attempted to take care of the loan I had with them as well and they said I could pay if off for XXXX due to Covid 19 hardship. So we gave them the debit information again and initially their system declined the charge. So we used another card and they debited XXXX from that account. After they received the funds they stated that they had no record and didnt get the money, so we immediately sent them a screen shot of the transaction. We were on the phone for over a hour with them and at the end of the call they stated that it was a system glitch, they were forwarding it to a manager and would call us back within 24 hours. We didnt receive a call so we called them, no one could answer the questions and keep saying they will escalate it. Our bank confirms that the funds were paid. We have called Opploans every day since that date and to date nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
As I attempted to save my home, the representative continued to add items or fees for assistance. In the end, I ended up having to go to another bankruptcy attorney to start the correct process. This was money that could and should have gone towards honest assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
In XXXX of XXXX there is a discrepancy on my credit report. Back in XXXX of XXXX i noticed an inquiry on my credit report. It was from CAINE & WEINER. I have over 830 credit rating and pay all my bills on time. 4 months later they have added a delinquent status for progressive auto insurance which is literally impossible. I use ETF to pay my insurance bill. So whatever I owe is taking out automatically from my bank account. I switched from XXXX to XXXX insurance in XXXX of XXXX and obviously left my account in good standing. 

In my opnion, this company looks for people with great credit scores and then ding them with a bill assuming they will just pay to avoid the damage to their credit rating. It is literally impossible to owe a bill if you are paying it monthly with funds transfers direct from your bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
% % % % % My name is XXXX XXXX XXXX. I have been trying to fix incorrect information in my credit report but i seen like never working. I spot that all of addresses and employment information that are incorrect and belong to me. These information make a really bad effect to my credit report and also our association. we are in a harvest time with the outbreak and really need a support to uplift all my affords in the last 15 years. Here are the addresses and employment information : % % % % % % % % % % % ADDRESSES REPORTED XXXX XXXX XXXX XXXX, IN XXXX!!!!! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & & & & & & & & & & & & & & & & XXXX XXXX XXXX XXXX XXXX, IL XXXX $ $ $ $ $ $ $ $ $ $ $ EMPLOYMENT INFO : XXXX XXXX & XXXX XXXX GENERATION

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 2020-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: OH

Complaint narrative:
A REGULAR BI-WEEKLY INSTALLMENT WAS SCHEDULED TO BE WITHDRAWN FROM MY ACOUNT ON XXXX XXXX. 

ON XXXX I CALLED TO REQUEST A PAYOFF OF THE LOAN VERSUS JUST AN INSTALLMENT PAYMENT. 

ON XX/XX/2020 WHEN I LOOKED AT MY BANK ACCOUNT THE COMPANY WITHDREW BOTH AMOUNTS THE INSTALLMENT & THE PAYOFF AMOUNT. 

I CALLED ON XX/XX/2020 AND WAS INFORMED THAT THEY WOULD NOT BE ISSUING ME A REFUND OF THE {$100.00} THAT WAS WITHDRAWN IN EXCESS OF THE PAYOFF AMOUNT ...!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
The XXXX  credit bureu report account is not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have a credit balance on my Citi Double Cash card for {$7600.00} and I have been trying to have Citi Card make a bank transfer of it to my personal checking account. 
I called up Citi Card customer service on XX/XX/2020 and they said it would occur in 5-7 business days. 
The money never arrived and I called up Citi on XX/XX/2020 and was told my transfer is still waiting for approval. 
The money never arrived so I called Citi onXX/XX/2020 and was told my transfer was approved on XX/XX/2020 and it will take 3-5 business days. 
The money never arrived so I called Citi on XX/XX/2020 and spoke with XXXX who initially said my transfer was not approved, so I asked to speak with his supervisor who said my transfer was approved on XX/XX/XXXX and he will expedite the transfer and it will take 1-2 business days. 
I still have not received my {$7600.00}, and have been told multiple and differing reasons why. 
I wish to hold Citi Card accountable for my money and wish to receive it in a timely fashion.

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 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
Defaulted payments on my deceased husbands account, in which i am the sole executive of estate. My husband had a loan modification XXXX for term XXXX, he passed in XXXX. I was not able to continue payments. Since the loan was sold, in XXXX, one servicer made a short payoff settlement agreement within 90 days of {$30000.00} due XX/XX/XXXX. The loan was sold again effective XX/XX/XXXX, XXXX the new servicer will not accept the amount nor will they modify the loan stating that I am not able to pay according to my loss loan modification application.The loan is they state as 400 days ( 13 months XXXX past due, however i do understand this but they are billing for XXXX each time the amount increases the modification PI was {$390.00} taxes XXXX .they keep increasing amount.adding taxes in which i pay the taxes yearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
FHA loan denied at last minute. 
I applied for a mortgage thru Regions Bank in XXXX Illinois on XX/XX/XXXX. Due to a previous divorce I knew my credit was questionable. Well it turns out that my score of XXXX was 4 points below requirement of XXXX. Disappointing but I understood. I immediately hired a credit repair firm to help me fix my credit. By XXXX it has increased to XXXX, well within the requirements. We started the process on XX/XX/XXXX. The first question asked was what will I use for a down payment, initially I figured I would use my 401k. Unfortunately I was unable to pull from that due to restrictions, and stated that I would get the funds from a friend as a gift. My loan originator changed things on the original application showing gift money for the down payment instead. I was approved for the loan on XX/XX/XXXX at 3 % locked in. I started sending all the required documents and on XXXX paid for the appraisal. Meanwhile the inspection had been completed as well as the appraisal. On XX/XX/XXXX I submitted the remaining required documents including the signed and dated gift letter. By XX/XX/XXXX I had wrapped up some of the minor repairs on the home to meet requirements.On XX/XX/XXXX I was told final inspection was ordered. The closing date showed to be XX/XX/XXXX. I requested a cost estimate to make sure I had enough saved for closing.I was given a settlement closing statement- estimate. I was told all they were waiting for was insurance and final inspection. On XX/XX/XXXX the email from the loan originator stated " we are good, sent loan to final underwrite while they wait for final inspection '' I was very excited as the house repairs were all complete and tons of document sending was complete. Now on XX/XX/XXXX the drama started, they needed a bank statement from my gift donor. That was tough to ask for but I got it from the gift giver. Then about 15 emails were sent asking about my relationship with the donor. ( she was my girlfriend of 7 months ) They got the cancelled check copy and they got her 6 page bank account showing the funds transfer. FHA would not approve without it. By now it was XX/XX/XXXX and more requirements came including my 401K statement w/terms of withdraw. Now on XX/XX/XXXX FHA stated DENIED without proof that ties me and my girlfriend together. They wanted joint lease/joint bank statment/ID 's with same address or evidence of being on the same phone plan. I was floored at this point to be told FHA would not approve. Months of preparation and expenses 80+ emails and 30+ documents for nothing. I done research to find nothing that says FHA needs this kind of relationship from a gift donor. I can not attach all the documents of all the above discussions with Regions Bank as there are 80pages.

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 2020-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
Our company XXXX XXXX XXXX XXXX XXXX located in XXXX, China, offered the market the sale of disposable masks and KN95 to combat the Covid 19 pandemic. We made a sale to Puerto Rico of 100,000 masks and our client offered to make the payment using PayPal. We do not usually proceed with these transactions, and we always prefer it to be Wire Transfer. Our client in Puerto Rico made two payments via PayPal : USD XXXX on XX/XX/XXXX and the second payment of USD XXXX dated XX/XX/XXXX. We shipped by XXXX and XXXX and the customer received all the goods. At first, our PayPal account was blocked because, according to PayPal, there was a suspicion of some irregular transaction. We submitted all the documents to verify that the negotiations are correct and regular and after several attempts for many days, PayPal released the account. Our client has repeatedly insisted with PayPal by internal PayPal message to release the money, but until today XXXX XX/XX/XXXX XXXX, PayPal has closed all kinds of communication with us. On Friday, XX/XX/XXXX, PayPal sent our client four emails indicating that their case had been resolved and that the money had already been released to the client. In two emails, PayPal states that the two cases ( claims ) that had been opened by our client, had already been resolved and that the case was closed. PayPal immediately sent two other emails stating that the payments were sent. The XXXX XXXX Bank, which was the one who granted the credit to my client through his credit card, already collected the invoices and my client already paid it. So, PayPal does not have any debit pending with my client. On Saturday, XX/XX/XXXX, we immediately contacted PayPal to confirm the emails that had been sent to my client confirming the payments, but, no notification was sent to us, and worst of all, it was that both on Saturday XX/XX/XXXX as today XX/XX/XXXX PayPal tells us by phone that it is analyzing the case and that in 02 weeks it would give us an answer. It is inconceivable, frustrating, unacceptable, shameful and a great lack of respect that PayPal has not only with its customers, but also with the companies to whom they must allocate the money. It seems that PayPal wants to retain XXXX XXXX for its own purposes and interests and with all its extreme bureaucracy and lack of attention, we do not understand how a company of this magnitude takes these actions, without even taking care of its reputation and dignity. as a company. We need going to international institutions to be able to exercise our right as an honest Chinese company and the only thing we request is that PayPal send us the money that belongs to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-06-01 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: MARINER FINANCE, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I mailed XXXX  a letter disputing 3 accounts such as : XXXX XXXX XXXX XXXX XXXX and Mariner Finance. On XX/XX/XXXX, I received a letter from XXXX in response to my dispute advising the credit items for XXXX and XXXX   XXXX has been deleted from my report, but Mariner Finance remains due to the company certifying the info. is accurate. So on XX/XX/XXXX, I mailed a certified letter to XXXX   requesting that they provide their Method of Verification, the name, address, and phone number of the person contacted regarding this alleged account, and any documents provided by the company, bearing my signature, showing that I have a legal binding contract with the company and that I am obligated to pay them the exact amount claimed in my file. To my surprise on XX/XX/XXXX, I received a response from XXXX advising they will not be reinvestigating my dispute because the creditor has already verified the accuracy on this account and they are claiming the info was obtained from a public source, such as a court or government office. They are also asking me to provide additional info to support my claim and then they will reinvestigate ; I don't have any information on this account because clearly I don't recognize this creditor which is why I sent my initial dispute and which is why I would like to see the signed contract by me with this company obligating me to this account and this exact amount claimed.

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 2020-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have been a long standing customer with Synchrony Financial and have several accounts with them. I have tried to contact them over over the past month to see if they would could help out lower my rates with the pandemic and did get assistance for my CareCredit  account that I have used for health care costs however, 2 of my accounts were randomly closed for reasons of my credit score being low when I have always been in good standing, made my payments on time and even had substantial credit available. One of the accounts is for Rooms To GO that I hadn't used for several years that up until XXXX of 2020 had a {$0.00} balance and purchased new furniture. Some of the furniture had to be returned and made a different choice which they had yet to reconcile the balance which says I have a negative balance. Now they closed the account saying I'm a risky customer when one they need to reconcile and afterwards would have significant credit available and always made my payments on time and greater than the minimum balance. The other account is a CarCenter One account with nearly {$1000.00} available in credit, always made payments on time. I tried to get my rates lowered and they stated I had the lowest rates and now the closed the accounts, saying the only way to reopen is to apply for new acccounts which would negatively affect my credit which is the same reason they closed the accounts, stating too many inquiries and too many balances. I feel this was unfair treatment of a longtime customer that has always made payments on time, asked for help during this timeframe of being in a pandemic, account not even been reconciled correctly to display the correct credit available while having more than enough credit available and now shutting them down. Now I'm afraid they will close the CareCredit Account which is something that I need desperately in case of an emergency for healthcare needs for these very same reasons which has not been close to the high balance and I've alway been in good standing. I plead that they do NOT close that 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