vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XXXX XXXX my mortgage company was sold to Mr. Cooper. Before it was, I had an agreement with my company that as long as I was making the payment every month, they would not penalize me for an owed amount from the past. I filed bankruptcy two years ago and wanted to keep my house. I owed {$8000.00} and they agreed to keep it to the end of the loan. When Mr. Cooper took over the loan, they put it on the front of the loan and considered me more than a year overdue. When I asked them for a modification, XX/XX/XXXX, they told me I did not need to give them any information. About a month later, they denied me say they could not adjust the interest or principle. The funny thing is they never asked me for anything, but sent me a letter saying they got the " borrower response package '' I sent them. Next I tried to refinance, but no other company will refinance me because Mr. Cooper says I am a year behind. I tried to refinance with Mr. Cooper. I called and emailed at the beginning of XXXX. I received information that someone would be contacting me soon. I never heard from anyone even though I tried again to contact someone. Last week, I received a letter from a legal company saying I owe the full overdue amount and the full mortgage amount. Basically, this appears to be a foreclosure letter. My husband called Mr. Cooper today, they told him they would have someone call me about refinancing, " again '', and that most likely they won't because now we are over {$8000.00} behind. It almost feels like all of this was planned from the beginning. Like they have wanted to take my house from the start. They are crooked and a bunch of fraudulent people. Nothing they have promoted to me has happened and nothing they promised has happened. I was told the phone number I had was my loan specialists, but it is just a main operator phone number. My so called loan specialists never answers the phone. I was also promised that they would do everything they could to help, they have done nothing but said no from the start. I am going to lose my house, have no place to live or for my grandchildren to live, and it is all because of one crooked mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC offered a sign up bonus after {$2000.00} Direct deposit and 10 debit transactions. PNC notified me that several deposits were direct deposits. I thought I met the requirements until the end of the promotional period when they refused to honor their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019 my best buy citi credit card was charged {$4.00} for a debt protection service that I did not request or sign for. I attempted to call them on XX/XX/XXXX to cancel and to get a refund. No one was available to take my call. Upon further review I discovered I was paying this fee every time I would use the card, which again I did not consent to.

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 2019-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
Rushmore Loan Management Services bought my $ XXXX home equity loan for home remodeling. In the middle of remodeling, we detected water damage to the floors, and XXXX XXXX issued a {$25000.00} check to replace the floors. Instead of paying for bun engineered floors, Rushmore deposited the check to their escrow. Thus I had to pay my contractor for urgent demolition ( to prevent further damage ) and materials. After a fight, Rushmore paid {$16000.00} to my contractor ( now the contractor completed the floors and is paid in full ). XXXX was satisfied with floor repair and released the additional {$2400.00} depreciation check. However, Rushmore fails to release the remaining {$8700.00} to me ( I had to use my money designated to remodel the bathroom ). Thus I can not  rent or live in my condominium as the bathroom is not finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NV

Complaint narrative:
Transunion, enclosed is a copy of letter I received. And attached to this complaint you will find necessary supporting documents. As well as a Police Report for Identity theft. I am requesting again for you to remove the inquiries and accounts as a result of Idenitity theft. These inquiries and accounts were all done without my consent or knowledge. Please remove ASAP. 
INQUIRIES : : : : : XXXX XXXX XXXX XXXX x 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : : : : XXXX XXXX XXXX XXXX. 
XXXX New Mexico

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 2019-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/2019 I attempted to make a purchase of {$160.00} and wanted to use my PayPal Credit Card. I have it set as my default, preferred method of payment. PayPal has denied me access to the card and the ability to even use it for any transactions at this point. When I go to choose the method of PayPal payment, the only choice is another credit card that is general purpose through a different financial institution and an interest rate over 16 %, whereas the PayPal credit card has a promotion of 6 months no interest for purchases over {$99.00}. PayPal, through the denial of access and use, has made me make the purchase using another method that charges me interest. I have called on this issue previously, but since my last inquiry and questioning as to why it doesn't work the ability has been removed completely to even make an attempt at using it. The financial institution that actually provided the credit card is XXXX XXXX and states that there is no problem or issue on their end with me using the card. I have over {$1700.00} available. PayPal appears to make the decision on whether I am able to use the card issued by XXXX XXXX  although PayPal has no risk involved in the transaction. I have attached the PayPal User Agreement and highlighted their language. I have never received a reason for denial in writing. The Account Limitations section does not apply to me. I verified who I am and I am not a seller. No issues have been reported from my debit or credit card issuers. There was no fraud being attempted. XXXX XXXX even stated that there are no issues. This was not an error. 
PayPal did not attempt to hold payment, they denied access and use of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: KY

Complaint narrative:
XX/XX/2019 I received a collection notice from ERC. The notice states that I owe XXXX for services from XXXX XXXX ( XXXX ). I didn't understand how this was possible because we have automated bill pay and have for years. We never received a late statement or anything from XXXX and we still to this day have services from XXXX. I called XXXX and a representative and a supervisor both looked at my account and said I didn't have any outstanding balance at all. They even looked back 5 plus years. I have excellent credit and I will not have this reflect negatively on my credit rating. If it should I will take legal steps to get this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I have been trying to pay this account off for the past four years. First of all, this is a debt I did not willingly get involved with. It occurred when I went to a local dentist to get a discount on XXXX XXXX ( XX/XX/2015 ). However, while I was there, upon examination, I was told that I had a horrific problem going on inside my mouth. The conclusion was with the hygienist telling me that I need not worry about the money to pay for the work. She then called the administrator into the room who discussed with me how the bill could be paid for later, never ever letting on that she was referring to a credit card. At that time I was thinking that she was offering me a term of credit where I could pay the bill ( to the local dentist 's office ), a little at a time until it is paid off. Still I had no idea she was offering me a credit card. Next thing I knew, there was a colossal bill, including a mound of charges such as interests, late fees & other fees, as they saw fit. I was thinking like how will I ever be able to pay this off. We agreed on me paying {$44.00} a month, then later I raised it to {$52.00} a month. However, my son came to live with me during this time and I had a hard time trying to pay this amount, but I did it anyway, trying to get from under. As it turned out, I increased the amount to {$80.00} trying to pay it off. However, it seems like the more I pay, the harder it gets to pay this credit card off. There were so many late charges and interest charges. So far, I have paid $ 800+ over the past several years ( for the past 4 years ), and seems to be no light at the end of the tunnel. I am now turning to you for help, as I believe I have actually paid this bill off, but due to the enormous fees I am paying every month, it seems impossible to ever get from under the balance and truly see this bill as paid in full. ( Since I had work done on my mouth 4 years ago, I have never used this credit card again! )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I have just officially now have a collection on my credit report from Medicredit for XXXX $ dollars. I have not received any letters or info from them regarding this debt. This is the website https : //medicreditcorp.com. There is no mailing information for this company on the website nor on the credit report. As such I can't contact the company for a debt validation letter, which is a consumer right, nor for any other communications as I would like to keep contact only through mail. 

I think it is absurd that a debt collection company can operate without posting this type of pertinent 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 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my repeated attempts to have XXXX validate my debts, I received no evidence of my obligation to pay these so-call debts. These debts do not belong to me. It is the result of ID theft and reports have been filed with the FTC and local law enforcement and copies were provided to XXXX  on numerous occasions. XXXX  is in violation of the FCRA by continue to report unconfirmed, unverified derogatory accounts on my credit file.

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 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
As per FCR Act Sec 609 ( a ) ( 1 ) ( a ) I requested but never received a physical original signed consumers contract between myself and said creditor. 

Under FCRA all unverified accounts must be removed. Remove ASAP

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 2019-07-30 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: FL

Complaint narrative:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/2019 Midland contacted my work about a debt and spoke with my boss. Midland was told not to communicate with me as at the time I was represented by an attorney. They called my work on a recorded line and did not give proper disclosures. 

8 days later At XXXX XXXX someone named XXXX from Midland called a third party ( a family member ) regarding an alleged debt that they alleged to belong to me from XXXX to XXXX and did so on a recorded line, post revocation of consent to be contacted by telephone, and after it was known that I was represented by an attorney. 

Bottom line is my calls had been recorded without letting me know at the beginning, I kept getting calls after I asked them to stop, when I asked for calls to stop they contacted my family and recorded their calls too, I even told them at the time I was represented by an attorney and they continued to call. THEY ALSO CALLED ME AT WORK AND CAUSED A LOT OF PROBLEMS FOR ME. TOTAL HARASSMENT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-07-30 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: NY

Complaint narrative:
I have been a victim of identity theft

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 2019-07-30 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: NY

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), ACCOUNT XXXX XXXX ( ORIG CREDITOR : 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 explanation
Consumer complaint received 2019-07-30 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 requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : 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 explanation
Consumer complaint received 2019-07-30 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: TX

Complaint narrative:
As of XX/XX/2019 Experian has continually failed to properly update information regarding a previous mortgage account. 

In regards a complaint handled by CFPB the mortgage company had made errors regarding reporting date of first Delinquency. 
The mortgage company corrected the error and issue was resolved through CFPB complaint number XXXX Unfortunately, even after receiving the information related to this complaint and subsequent update and letter from the mortgage company. Experian has failed to properly update this record after again being disputed through their dispute process

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 2019-07-30 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: CT

Complaint narrative:
My personal information was compromised due to the Equifax Data Breach. I have several fraudulent accounts listed on my credit report. I have been contacting Equifax for almost 2 years in regards to theses accounts. I have sent in Identity theft affidavits from the FTC, along with police reports from my local police department. I am not getting any resolution from Equifax in regards to these accounts or removing them with the information that has been provided a numerous of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Transunion did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : 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 explanation
Consumer complaint received 2019-07-30 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 requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, XXXX did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : 11 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 2019-07-30 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: FL

Complaint narrative:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX )

Company response to consumer: Closed with explanation