vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied for a Heloc Loan with NewRez mortgaged company. I was declined due to my credit score being XXXX. They want my score to be at least XXXX. Later, I was approved by XXXX XXXX XXXX for a Heloc Loan. However, XXXX XXXX XXXX wanted a letter stating I was declined for the Heloc Loan. 
I have continued to reach out and I have sent email after email, call after call and NewRez have continued to fail to contact me. Please assist me because I feel they are purposely doing this to me because NewRez wanted me to apply for a personal loan instead and I said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
TransUnion has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX. XXXX XXXX, XXXX, which TransUnion reports negatively that I owe this company. There is no contract. This debt is not mine.

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 2019-07-15 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO HAVE THE LISTED ITEMS REMOVED DUE TO ID THEFT YET THE CRA 'S REFUSE TO REMOVE THE INACCURATE ITEMS. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS REMOVED.

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 2019-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO HAVE THE LISTED ITEMS REMOVED DUE TO ID THEFT YET THE CRA 'S REFUSE TO REMOVE THE INACCURATE ITEMS. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-15 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: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I believe this is a switch and bait situation. My initial application on XXXX/XXXX/0218 indicates the terms promised for an introductory offer. Upon receiving the State Farm Loyalty Rewards credit card for activation, it arrived with a different set of conditions. I could not make any inquiries until the activation was validated on XX/XX/2018. After that, I made contact with the personnel and I honestly could not make sense or understand any of their explanations and assumed the original terms where in order. Why was there an offer of one banking product given and a whole different one given? During the course of these situations, I have made several verbal inquires with account representatives regarding many other concerns. 
I Respectfully, understand State Farms launch into the credit card banking business. So with that in mind, I submit this complaint. Additionally, I feel the personnel are incompetent with their notations and providing any historical facts. 
Enclosed are all the documents I received which includes the application and documents received afterwards. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This is related to Paypal dispute case XXXX. I purchased a product manufactured by XXXX from a vendor through their website on XX/XX/19 and was provided a confirmation email with order number XXXX. I tried contacting them a couple of times via email to ask for an update on when the product would ship, but they did not respond. I contacted XXXX, and they told me this website is a fraudulent one. I then contacted PayPal on XX/XX/19 to report the fraudulent activity and request a refund. The vendor provided a tracking number on XX/XX/19 and an incorrect item was delivered to me on XX/XX/19. 

The item delivered to me is a cheap knock-off of the item I purchased. While it has a similar appearance, it is not the product made by the manufacturer. I can tell because the real product includes the XXXX name and logo as well as the name of the product on the physical product. This imitation product does not have any such logos or names on the device. Additionally, both the carrying case that the fraudulent product arrived in as well as the User Manual included do not have the XXXX brand or logo on them or indicate in any way they are manufactured by XXXX. The carrying case itself is not the same packaging that is used with the actual product. I found the actual product in a local store and it comes in a box, not a carrying case. 

The sales receipt I received via email confirms I had ordered the " XXXX XXXX '', not an imitation item. 

Paypal has repeatedly acknowledged that I received a fraudulent item, but has told me I must mail the item to XXXX, with tracking information, in order to get a refund. The cheapest way for me to do this costs {$410.00} per my visit to the XXXX store, which is more than the cost of the item. The item shipped to me from California, not XXXX. 

I have spent over two months attempting to resolve this dispute with PayPal and we are now at an impasse as they refuse to refund me or provide me a reasonable place to ship this fraudulent item despite their acknowledgment that I never received the item that I ordered and paid for. 

I request a full refund of this imitation item shipped to me that the vendor fraudulently represented as the real product.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: IN

Complaint narrative:
The company Sequium has called me on numerous occasions with a recorded message. I have called their number XXXX three times. Each time they told me it was for a different person and I would be taken off their call list. On Friday XX/XX/XXXX they called and again said they would remove me from the list. Today, XX/XX/XXXX they called again. I called them back and they again said they would take me off list. I am tired of dealing with these people. It has been going on for over a month and they have called me no less than seven times. The recorded message says that I owe money. When I call them back they say it is an error and they will remove me from their list. So far that has been promised three times and it still has not worked. We are on the Do Not Call List.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 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:
I have been fighting to fix my credit report, after someone used my identity from a security breach to open up accounts and get loans under my name. I have been battling with all the credit reporting companys to remove these accounts, and improper information on my credit report. I have credit inquires that are still being ran in my name, after I told each credit reporting company and sent proof of me being a victim of Identity theft, and sent a Identity theft report.

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 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX has repeatedly failed to provide me with any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay G.L.A. Collection Company, Incorporated, which XXXX reports negatively that I owe this company. There is no contract. This debt is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Received a check in XXXX as part of a pre-screened offer. Check was valid until XX/XX/XXXX. It clearly says pre-screened to receive the check. I don't apply for things to avoid hits to score and in dealing with loans previously I know if I got a live check they've determined you met credit criteria and did not have to run credit again. I cashed check on XX/XX/XXXX due to car issues taking out loan. On XX/XX/XXXX the company XXXX XXXX ran a hard inquiry with equifax knocking my score down 3 points. I immediately called them and they initially denied it and said only soft pulls are done for pre screen offers and I should NOT have gotten a hard inquiry. XXXX and a diff female rep said a manager would be in touch on XX/XX/XXXX because that shouldn't have happened. When I didn't hear back I called and this time XXXX says they did but couldn't tell me why they did it after the cash had been cashed and when I didn't consent to a hard inquiry. I want this removed because they lied and this is bad business practice. Prescreened mail in check means it was already determined and I did not authorize that hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
I received a response to my Written Credit Dispute that was received on XX/XX/XXXX concerning my Account : XXXX. I wrote to further appeal the response and findings to request that Carrington Mortgage remove the 30-Day late payment that they had reported to  the creditors, based on the evidence I provide below and my second appeal was denied. 

In summary, I submitted a payment for my XXXX mortgage payment on XX/XX/XXXX, within the no late fee penalty timeframe. I submitted this payment from my mobile phone and accidentally entered the wrong routing number from XXXX XXXX XXXX  ( XXXX, which is indeed a routing number for Peoples, but not associated with my account ). Regardless, I received a message saying that my Submission was Successful. However, I DID NOT request that Carrington Mortgage save this information to my account on the webpage and I verified this with a manager who  spoke with technical services in a phone call on XX/XX/XXXX. FURTHERMORE, the technical department verified that when a payment is returned No Account/Unable to Locate that any saved information should be cleared by your system. This was not the case. 

When I learned that the payment was returned No Account/Unable to Locate, I logged into my account using my computer and paid using the Saved Account option on XX/XX/XXXX. I had used this saved account information to make all other on-time payments throughout the history of the mortgage. However, the incorrect information was erroneously saved from my previous attempt from when I entered the wrong routing number. In addition, the technical department also verified the incorrect payment information should have been cleared by your system. The technical department also verified that I indeed used the Saved Account Information on my second attempt on XX/XX/XXXX. 

I did not learn that this payment was returned until after the 30 day late timeframe on XX/XX/XXXX. I immediately paid the account when learning this information. I did not authorize this information to be saved from the prior attempt, and according to Carrington Mortgage technical department it should have been cleared, and thus this technical error caused my payment to be late. 

I am officially stating that this error was caused by the online software system saving my account information when it was not authorized and should have been cleared after the failed attempt and I made all reasonable attempts to pay my account prior to the 30-day late timeframe. I have clear records showing each attempt prior to the 30 days and have clear evidence that an internal system error caused this 30-day late payment. 

Carrington Mortgage is not taking any accountability for this error with their online payment system and has denied both appeals. This has significantly impacted my otherwise spotless credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I was hoping to qualify for the PSLF. I have worked for the same qualifying employer for 13 years. This year, I made my 120th consecutive on-time payment this year ( the requirement for the program ). However, I just received the letter saying I still have seven more years to pay because I consolidated the loans in 2015 ( as I was advised ). After calling and talking to many customer service representatives, nothing can be done in my case ( other than pay for seven more years and then be reconsidered ). I did my part and paid my 120 on-time payments. I had no idea consolidation would affect this, or I never would have consolidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I have the XXXX  on my phone to send and receive money, on XX/XX/2019, the app sent me an email saying that a transaction was completed a transaction, that I did not authorize I tried all the option there is to contact them an one was that the phone option is not available to me, so I emailed them and they sent me a email stating that the {$200.00} came from my linked debit card, and not my stored balance, and to contact my bank to dispute the charge. When I tried to ask for a code or contact there were no response, and I haven't heard from them since. When I contacted my bank XXXX told me that there were nothing that they can do and hung up.

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 2019-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have called Wakefield and Associates twice regarding this account and they can not find ANY information on it. I have provided my address and the last 4 of my social. They have put me on hold while checking other departments and still are unable to find anything on the debt. I have not lived in the city of the medical facility for several years and do not believe this is my debt. 
I noticed the debt when checking my credit report and noticing that my score had dropped by 24 points due to this being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
On XX/XX/2019 I contacted Home Loan Serv Idaho as i received the Escrow analysis from them and they said i was Short {$1600.00}. I have called several times. the 1st time they explained that it was my home insurance with XXXX XXXX that it was the Windstorm. Once i contacted XXXX XXXX i was told that windstorm was excluded form my policy. Then I was told it was my separate windstorm policy. When i called them they told me it was paid at closing and i received a receipt from my agent. The 3rd time i called i wanted an itemized explanation of why i had such a high shortage. The lady that was on the phone was very upset because i had answers for everything no two people have said the same thing. And they keep saying it was explained the time i called before and it has not. They told me they were going to sent me the escrow payment history from the beginning and they have not. i emailed them a formal complaint asking for many things and there response was i had already been talked to over the phone. They can not clearly tell me what the shortage is and my taxes have gone down {$500.00} dollars. They are trying to up my mortgage almost {$200.00} for 12 months and they will not tell me why. And the emails refer to phone conversations after they have been hanging up on me. Please help me in this matter. These people have my house payment and will not even talk or email any information. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2019 i was trying to do a transaction on XXXX with one of their sellers that goes by XXXX to buy XXXX worth of bitcoin he had listed for sell on XXXX. He asked me to pay him through paypal to XXXX using the friends and family to send it. I paid XXXX to paypal to pay him XXXX. He then sent me message on XXXX  saying he disnt want to wait for payment to stop saying pending in his paypal account. He told me to cancel tranactuon on XXXX ajd he would refund my money back through paypal. I told him to send me a screenshot of it being refunded through paypal to me and he sent me a screen shot of it so i cancelled it on XXXX. I never got my money back through paypal from this seller and i never got the bitcoin i was trying to buy from the seller either. He scammed me and stole my money from me. I contacted paypal they said they cant help me get my money back from their user on there to contact my bank which is XXXX XXXX XXXX  XXXX XXXX. I contacted my bank and they said they couldnt help because i authorized payment expecting to get my bitcoin. I have emailed numerous times to XXXX asking for their help getting my money back too but no replies from them. Can u help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have 2 issues with Specialized Loan Serving. 
First, they are keeping me a payment behind for no reason. 
I have tried to work with them for months trying to solve this problem including sending them proof of payments. 
Second, they are raising my payment after doing a cost analysis on my escrow account and they are saying I am behind and want to raise my payment when nothing has changed to warrant it. I have asked for a copy of the analysis and can not get it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/19 XXXX XXXX ran my credit 9 times without my consent. I gave them some information in order to get a rough estimate of what a monthly payment would be. I specifically requested that they not run my credit. However, they ran it 9 times.

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 2019-07-15 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: AR

Complaint narrative:
XXXX Called and spoke with " XXXX '' and " XXXX XXXX and neither one of the resolved my issue. I asked them who did they contact at the court house to verify the bankruptcy. They told me they do not have to provide me with verification of who the contacted and who they spoke with to verify my information. 

I have contacted the court house and also provided letters to the credit bureau and they have failed to verify my information. 

file # XXXX Experian and XXXX have failed to provider proper documentation to give me as a resolution to my dispute.

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 2019-07-15 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: NC

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection from XXXX XXXX, XXXX for {$3100.00} partial account number XXXX. ( Please see page 33 of the attached credit report. ) Attached is a copy of the Receipt from XXXX XXXX XXXX XXXX XXXX, showing a payment of {$1200.00} was received on XXXX2019. This payment reflects this account has been settled in full. I was assured that once I made this payment the reporting bureaus would delete these line items from my credit report. I have contacted the bureaus to fix this on my credit report, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

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