vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: NY

Complaint narrative:
If an online payment fails to process, the ability to make online payments is immediately locked. At that point, your only option is to call their toll-free number to make a payment. I have not been able to speak to anyone for the entire month of XXXX despite spending repeated calls and hours spent on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I filed XXXX disputes in the resolution center. Both charges were made with a card with the XXXX logo but I never got from these XXXX and another pending the provisional credit that is supposed to be issued for these charges : XXXX XXXX XXXX This is another one that says it is refunded but was NOT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
Was charged a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was informed I would definitely get approved didn't read anything saying that it was non refundable if I was denied. And was told at approv it would go to closing costs then I'm up and down with them regarding communication and end up not getting the right documents not due to my fault. And then I get told I don't get my money back. How is this fair or right to do this to people that have to save up money for these purposes. I requested a refund due to the circumstances and was rudely told management won't tolerate a refund. They need to be held accountable. I have read many reviews recently about amerisave and how people were XXXX XXXX when it came to the XXXX XXXX XXXX  XXXX XXXX they were not informed as well. I just want my money back so I can move forward. I have text messages and voice messages stating this how I would definitely approved. I was misled and not told clearly regarding this XXXX XXXX XXXX XXXX or I would have never done this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
i have a problem with wells fargo. on XX/XX/XXXX i have noted that there was two unauthorized charges in my business account ( {$5200.00} and {$1300.00} ) the description says " BUSINESS TO BUSINESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( i have one account for my business ) so i called them on XX/XX/XXXX to put a complain to the bank. On XX/XX/XXXX i received a letter from the bank and says that they are not able to reimburse the money because too much time passed before i notified the bank. i went personally to the bank for help at least three times and the last time they told me that they can't help me and the claim was closed. 
* i noted that the amount of the unauthorized transactions match with two checks deposited by me in my business account on XX/XX/XXXX so i asked the person who gived me the checks and says that the money gone out of him account on XX/XX/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 explanation
Consumer complaint received 2023-01-25 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 — Problem with personal statement of dispute
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX XXXX  went to collections for the amount of the reported balance of {$1900.00} from XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 6 0 2 states I have the right to privacy. 5 USC 1681, Section 6 0 4 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I had a medical procedure at XXXX XXXX XXXX XXXX on XX/XX/2021. 

Before the XXXX I made a payment of XXXX ( page XXXX of the first pdf file ) for the expected coinsurance. 

After the claim was processed, my coinsurance turned out to be XXXX ( page XXXX of the first pdf file ) The hospital sent me a bill for the remainder of the balance of XXXX ( page XXXX of the first pdf file ), which I paid on XX/XX/2021 ( page XXXX of the first pdf file ) Later there were adjustments made to the claim and the final coinsurance due from me was reduced from XXXX to XXXX. ( page XXXX of the first pdf file ). 

However, XXXX XXXX XXXX XXXX instead of refunding the overpaid amount, send me another bill for XXXX. I sent them a detailed explanation which they ignored and sent XXXX to XXXX collection agencies. 

In the second pdf file there is a transcript of my correspondence with the health insurer ( XXXX XXXX ) who confirmed that the amount that I owe for this procedure is XXXX and since I already paid XXXX, the hospital owes me a refund.

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 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On or around XX/XX/2022, Midland Credit Management served me court papers suing me for a debt they attempted to collect on. Subsequently, they garnished my wages for the full amount of the debt over two pay periods in XX/XX/2022. 

On XX/XX/2022, I filed a motion to dismiss the case and have this item removed from my credit reports. Midland Credit Management did not show up for the court hearing on XXXX XXXX, XXXX  at XXXX. The judge did not immediately dismiss the case, even though I showed proof of the garnishment. 

Instead, the judge held the case over until XXXX XXXX, XXXX, which was the original hearing of the suit filed against me by Midland Credit Management. I did not attend the hearing as I had already satisfied the garnishment suit. Also because I could not get time off from my work. 

The case was dismissed/ closed as it was evident that the garnishment was satisfied. However, during the course of several weeks leading up to XXXX XXXX, XXXX, Midland failed to update my records with the credit bureaus and still has not done so. This has caused irreparable harm to my credit standing and has negatively impacted my credit scores and rating preventing me from getting any kind of loans or financing. 

I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX  XXXX ) and the Virginia Attorney General 's office ( XXXX ) based on the predatory practices of Midland Credit Management and their constant violation of the Fair Credit Act and laws. I had also previously filed a complaint against them on this site. 

At this point, the credit reporting agencies still show the Midland Credit Management collection, but has reduced the amount owed to {$750.00} which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I applied for and received a 6 month grant from my state, Pennsylvania, for XXXX mortgage relief funds in XXXX, XXXX. This grant pays my mortgage monthly for six months and concludes with the XXXX, XXXX payment. PA submits these payments electronically through XXXX. Payments have been made up and through XXXX, XXXX. PA 's last and final payment through my grant will be next month. Santander has only recorded TWO ( 2 ) of those months, XXXX and XX/XX/XXXX, showing me delinquent for THREE ( 3 ) months. Santander utilizes XXXX to process their electronic payments from customers and customers grant monies. I have been corresponding with Santander 's Loss Mitigation Department via email and phone since the beginning of XX/XX/XXXX regarding their non-recording of payments to my account. My biggest concern is that come XXXX, XXXX when I must make a payment from my own funds that Santander will apply it to those months that they INACCURATELY CLAIM are past due. I have provided Santander Loss Mitigation with XXXX 's ID # 's for each payment as given to me by the state of PA. I even provided the dates of issue and the dates that XXXX ACCEPTED and RECEIVED those payments ( in other words XXXX, Santander 's contractor ). How can you help me with this?

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 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: V and H Portfolio
State: NJ

Complaint narrative:
I suddenly have two collection agencies reporting on my credit reports. Both of these agencies claim that accounts were opened in XX/XX/2022. I have never received any inquiries nor have I received any previous bills or correspondence. When I attempt to contact them theres only a recording that wants my Social Security number. I have reported this to the credit reporting agencies who have failed to rectify the situation. This is severely damaging my credit that I have worked very hard to regain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: OH

Complaint narrative:
Im an active Credit Report checker. I check all 3 credit bureau at least 4 out of 7 days. I missed there being inquires I didnt recognize on XXXX XXXX XXXX Equifax XXXX They both report the same names for the accounts on both bureaus! 

XXXX - XXXX. XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 Equifax - XXXX. XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX, XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
Im getting calls at my work for a debt that supposedly my wife has. We already paid any debts through a debt consolidation company and have confirmed that the debt is taken care of. However this callers is informing me without confirmation or collecting any info and is calling daily even after I told him not to call my job both my wife and I have never used my jobs number for anything. The caller is telling us that the client is willing to settle the collecting with a payment {$400.00} and we have to act in the next three hours. I told him that he needed to call my wife and he said he already did and that he was going to tell the client that they needed to go ahead and do aggressive measures. The next day he said that he didnt say that and that we could make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2022 a wire was taken out of my account for XXXX without of my account without any authorization. I went to truist bank where my account is held and they told me it has to go through fraud dept and it could take up to 60 days before anything could happen. I went back 30 days later and inquired. They told me the money went XXXX XXXX XXXX and credit to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXand it was out of there hands and up to chase bank if i got my money back. I went back today XX/XX/XXXX and they said its not there resposibility. I had no authorization for them to do this and they did not even call me to ask about this transaction The bank truist says there is nothing they can do. So i lose my XXXX for no reason of mine. I hope you can help me get my money back

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 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
You ( Exeter ) stated that you do not communicate with or negotiate with borrowers. I am not a borrower ; I am, in fact, the true creditor. You also stated that you couldn't provide any evidence on the phone call concerning a repossession. I have the time and date of the call and also a recording of the specific incident that will, if possible, be used during litigation. My wife received the call while on her way to work, being that her number is on file. She was coerced into making a payment so the vehicle wouldn't be repossessed while she was working. The contract that I have with you is fraudulent, and I have sent legal documents with federal laws to you ( XXXX XXXX XXXX XXXX, XXXX XXXX ) that were violated. What I was signing was not made clear to me. I am demanding that you ( Exeter Finance, LLC ) remove this from my credit report ( XXXX, XXXX, and XXXX ) along with compensating me for each violation made in my contract. If this is not resolved within the next 15 days, I will file a 3949-A form with the IRS due to fraudulent activity, as well as sue for my mental distress, financial hardship, and violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
The choices for this complaint do not contain options on how to accurately report this complaint. That being said, I have recently started making monthly payments on my Military Star Card account that went into collections and is managed by XXXX XXXX XXXX. Each payment is for {$50.00} a month but it is being reported either by Military Star Card or XXXX XXXX XXXX that I'm only making {$48.00} payments. Furthermore, the balance on account statements do not match verbal balance statements that XXXXXXXX XXXX XXXX claims I owe on the Military Star Card and repeatedly states it does not own the debt and only Military Star Card reports on the card while Military Star Card says it does not manage the debt and can not control what XXXX XXXX XXXX does when I've attempted multiple time to ask about how my payments were being applied and why they are asking for hundreds more verbally than what they report on my statements that I owe. I need a complete and accurate balance for my account with a clear listing and explanation of all charges on the account and why the full amount of my payments are not going towards 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