vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I received a copy of my credit report in XX/XX/XXXX of this year and I noticed an account was placed in collections and I sent a letter to the collections agency asking for debt validation and I never received a response I again sent another letter in XX/XX/XXXX and Ive mad numerous calls with no success. This is not my debt and I am being ignored

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Netspend Corporation
State: TX

Complaint narrative:
I received the first XXXX XXXX card in my name on a XXXX ready to activate attached to a direct deposit form with my information and a bank account number and routing number from XXXX. I did not apply for, ask for or want these services ... and was applaled to recieve it as I am on the GOVERMENT DO NOT SOLICIT LIST for financial and insurance solicitations. I called them and told them I was registered and asked them to remove me from thier solicitation list. The lady assured me the account was closed. In XXXX, I received another one. Same mastercard with and open account and routing in my name. Anyone could have received this and activated it. Which is why I do not want unsolicited offers. I did not appreciat their ignorange of the " DO NOT SOLICIT '' list nor the disregard for my request not to solicit.

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 2017-12-28 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: NY

Complaint narrative:
I wrote all three credit reporting agencies about incorrect information on my credit report and XXXX and Experian refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment

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 2017-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage doesn't apply payments appropriately. This has been a recurring problem and I have reported to the CFPB before. We stay approximately 3 monthly ahead on our payments and we make each of the payments through the Lender's website. The lender's website will only allow full payments plus additional principal and additional escrow. They will not allow partial payment. We made the payment plus additional principal on XX/XX/XXXX which was due for XX/XX/XXXX . They did not apply our payment. The account summary shows it went all to principal, but the statement shows it is held in suspense. I called Freedom Mortgage on XX/XX/XXXX and was told by XXXX that it would be corrected. It has not and now the lender is blaming me. I was told I didn't make the full payment - I didn't pay enough. I paid through their website as always, which doesn't allow less than a minimum payment and I paid additional principal. Additionally the lender is trying to charge me a future interest rate. My interest rate is changing, and they are trying to charge me the new rate on payments I am making now. How can they charge future interest? We also have not received the ARM notice of a rate change. Is that not supposed to go out 60 days prior to a change? They claim they sent it on the XXXX, but there is no record of that online in the statements and documents section of their website. How can they charge me the new higher rate now? Why am I penalized for making my payments early and paying extra?

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 2017-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: LendUp Loans LLC
State: MO

Complaint narrative:
I had borrowed  $XXXX for 30 days.  Payback was to be $XXXX. To be repaid on XX/XX/XXXX.  The funds were there!  My account was debited twice, and credited once.  Received an email attesting to this error.  XXXX said it would be corrected by the end of the business day on XX/XX/XXXX, or at the very latest, XX/XX/XXXX.    As of today, and after numerous phone calls, emails, I still do not have my money.I simply want my money back.  This whole incident has been a travesty.  I have provided proof that they deducted the monies X's 2.Hopefully you will be able to help me to recover my money.Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: PRESTIGE FINANCIAL SERVICES INC
State: ND

Complaint narrative:
i kept getting bills for these i did n't buy and in XXXX and XXXX and i contacted the company and they told me not to worry but yet put me into collections

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX while writing out bills, I noticed that Home Depot was not applying any monies to the deferred interest accounts that we have with them. Since XX/XX/XXXX I have been making payments, assuming that the deferred accounts were being paid down. I now have over {$1500.00} that has never had one dollar applied to the account.

I called Home Depot on XX/XX/XXXX and spoke with a representative and a supervisor that told me they do n't have to do that and I would have to call them each month and tell them where to apply the monies I paid. I told them there is nothing that I could find on the bill that indicated I would have to do any such thing. I told them it was unethical and it was obvious that they offered the no-interest as a way to get more money from their customers.

I am an authorized user on the card and I then tried to re-direct the XX/XX/XXXX payment to pay part of the no-interest accounts, at that time they would not allow me to make the changes and would have to have my husband make those changes.

Unethical, lying cheats!!!

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 2017-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Over the past few days I have been involved with my credit report and noticed that there was a collection on my report that I am not aware of. I called the original creditor to get more information on this debt, and the information that was provided was not accurate. I also looked up the creditor online and noticed that this creditor is located in XXXX  FL, where I have never been. I also noticed that this hospital debt is a HIPPA violation even if the debt does not belong to me. I have never been to XXXX XXXX XXXX  nor do I owe XXXX XXXX XXXX any debts.

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 2017-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: SC

Complaint narrative:
on XX/XX/XXXX I mailed a certified letter to Paramount Residential Mortgage Group. This packet was mailed in regards to a mortgage application I submitted. 

The following is a copy of the letter I submitted : I applied for a mortgage through this company and was given misleading information. My mortgage broker decided to change lenders after advising me I was good for closing on my home in XX/XX/XXXX. I was later sent a contract from another lender with a different payment amount, interest, insurance and closing cost. I was never told my broker was still shopping lenders until after I received new documents to sign. My credit has been pulled several times by three different companies. I backed out of the deal after rearranging my whole life in the process of trying to get this done. I was never given any of my money back after paying for inspections, and giving earnest money. This was a horrible and heartbreaking ordeal I DO Not recommend this broker/ company to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I've asked U.S. Collection West, Inc where is the contract that shows they've been given the right to collect on the alleged debt from the ORIGINAL creditor.  Since they're a 3rd party, they have no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. According to 73 AmJur, 2nd, Section 90. You have no right to "subrogate" (substitute) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you "bought" the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a "stranger to the transaction" (voluntary payee).  Once again, I'm asking you to delete all information you have furnished to any and all credit bureaus and destroy information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will file a formal complaint to the Attorney General against your company.I've also attached a letter from them stating they wouldn't respond to me any longer.

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 2017-12-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased a bank check in the amount of {$1500.00} payable to my granddaughter. My granddaughter missed placed the check and I put a stop payment on the item. I was told that the replacement of said item would take 90 days. I found this unacceptable. I tried to get them to replace it sooner and they will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Signature Bank (NY)
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX own XXXXwo cooperative properties that have been combined at XXXX XXXX XXXX XXXX XXXX and XXXX. Signature Bank provided loans on each property. The balance on XXXX XXXX is approximately {$100000.00} with a regular monthly payment of principal and interest of {$600.00} and XXXX has a balance of approximately {$400000.00} with a regular monthly payment of {$2200.00}. On XXXX XXXX, 2017 we received a certified letter advising us that our property was about to go into foreclosure unless we paid {$20000.00} representing 4 monthly payments, a charge for insurance on each property, an assessment for a payment made by the Bank to the cooperative corporation for a maintenance assessment, legal fees and other charges. We sent to the bank proof that we have insurance ( which had been done previously ), proof that reimbursement of the maintenance assessment was made to the bank, proof that we have made all payments except for the month of XXXX and XXXX. They advised us that no payment was made in XXXX and XXXX. We sent them proof that a double payment was made in XXXX which related to XXXX and XXXX and that we had already sent them XXXX which they denied receiving. We sent them a replacement check for XXXX as well as checks for XXXX and XXXX which they returned to us insisting that no funds will be accepted unless the full amount is received. It appears that they are ignoring our proof of payment and acting in bad faith

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: Select Resource Group
State: TX

Complaint narrative:
Company with the phone # XXXX has called me repeatedly and told I owe a debt which I paid seven years ago. Told me I would be served by the county clerk 's office and that I would have a lien put on my assets and that they have recordings of me vowing not to pay. 

She claims that its XXXX or XXXX. I have never received a single piece of documentation. This is distressing and wrong! Other ppl have complained about them at this website XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-12-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote all three credit reporting agencies about incorrect information on my credit report and Equifax and XXXX refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Paypal credit is confusing consumers with debits and credits due to the linkage between A- PAY PAL ACCOUNT and B-PAY PAL CREDIT ACCOUNT. I have attached a copy of a {$15.00} payment to my credit account ; however, shows as a debit on the ledger. There response is " wait till you get your statement, it will be more clear, '' the transparency is lacking and laws are being overlooked or broken due to oversight in regulation in payment and credit account technology ( PAYPAL ). 

Blatant violations of the CARD ACT of XXXX in consumer 's access to viable, accurate online ledgers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: ME

Complaint narrative:
This is my second complaint, I have not heard anything on the status of my complaint. My complaint is that I cleared up all of my negative collections on my credit reports and XXXX went up 57 points and Transunion made a mistake and dropped it down 57 points. I called them and explained to them over and over and they just tried pushing me to get credit monitoring and than charged my credit card for XXXX for something they said was free for a month. I have talked to so many people and instead of fixing their mistake they keep giving me the run around. There is noway my score went up one one report and than down on another that many points for clearing up all of my negative items. I cant seem to find a way to contact the CEO of this company or even talk to someone that can fix someones mistake. I am at a loss of what to do. I filed a complaint a week ago but have not heard a thing on what is going on with it. I am not sure what to do at this point. This is beyond ridiculous that they wont even admit their mistake and I have to pay the price for it. I have worked hard to get my credit score up and now because of their mistake I am worse off than I was before I cleared it up. Please help me with this matter.

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 2017-12-28 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Company with the phone # XXXX has called me repeatedly and told I owe a debt which I paid seven years ago. Told me I would be served by the county clerk 's office and that I would have a lien put on my assets and that they have recordings of me vowing not to pay. 

She claims that its XXXX or XXXX. I have never received a single piece of documentation. This is distressing and wrong! Other ppl have complained about them at this website XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP
State: WY

Complaint narrative:
My name is XXXX XXXX and I started a reverse mortgage application with American Advisors Group ( " AAG '' ) in XX/XX/XXXX. I believe the start date was XX/XX/XXXX. It has been over 5 months and I still do not have a reverse mortgage. I have been lied to and led on by this company. When we started this process in XX/XX/XXXX, the agent at AAG told me he would have me closed in XX/XX/XXXX. XX/XX/XXXX came and went with no reverse mortgage. Meanwhile, my present home mortgage company was calling me because I have been unable to make my house payments. 
The agent at AAG told me not to talk to my present home mortgage company. He said we would have this reverse mortgage closed before they could start foreclosure proceedings. Well, I AAG toward the end of XX/XX/XXXX and got some excuse about not closing after the XX/XX/XXXX of the month. So, XX/XX/XXXX came and went. Then in XX/XX/XXXX, AAG had me do sheetrock and painting repairs in my house. The agent at AAG told me to just hang some sheetrock and paint. He said we could get this reverse mortgage done after that. I called the agent the first week of XX/XX/XXXX and he told me we were just days away from closing. About three days after that, they came back with another repair I had to do. I had to put covers over some outlet boxes. The agent told me to take pictures of the repair and send it to him. About 5 days after that, they called me and said they could use my pictures and would have to have the appraiser come out and take pictures, but they finally got around that. Then, the agent called me on XX/XX/XXXX and asked if I could find the phone number for the notary service we had used before. He said that we could close on either the XX/XX/XXXX or the XX/XX/XXXX if I could find the contact info for the notary. I found it and gave it to him. I also gave him a second notary contact information. On XX/XX/XXXX, he told me we would close on XX/XX/XXXX. Well, that did not happen. Now, my present home appraisal expires on XX/XX/XXXX. So, we have to get another appraisal, and who knows how long they will drag this out. XX/XX/XXXX will be 6 months of trying to get this reverse mortgage. I feel I have been lied to and led on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX,17 I am restricted from accessing my credit report online or speaking to anyone other than one individual with Experian. named XXXX XXXX at a number that is not toll free. 
I am unable to place a dispute with anyone other than her. I requested a supervisor but was told one is not available. I was instructed not to record the call or she would terminate the conversation per company policy. I am restricted to a special handling department and am not allowed access to any other method. 

they are violating my rights and refuse to remove a fraud alert unless I provide my driver 's license but yet discussed my entire file without verifying my identity based on a report number alone. 

I have documentary evidence from creditors reflecting accounts are not being reported correctly yet my investigation results show all of my accounts were verified as accurate. additionally, my personal info was misspelled, transposed, duplicated, and inquiries were placed that had no permissible purpose which XXXX told me to contact the creditor eve though the acct was 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