vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 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: Diversified Consultants, Inc.
State: MS

Complaint narrative:
I received a collection from Diversified Consultants about my XXXX account. I paid the collection in full the next day and was told by the company that they would remove the account from my credit report ( all three bureaus ) with in 30 days. After 30 days i called and was told it take 45 business days. After 45 business days i was told they will only update the account to paid on my credit report. I really need this removed from my credit. This is the only negative thing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This is compliant is being file against TD bank N.A.. the dispute case ID # XXXX bank name is TD BANK NA. ABA XXXX ACOUNT XXXX. this report is being put out by early warning service XXXX XXXX XXXX AZ XXXX this inaccuracy that being file against me. I have contact the TD, bank recover division there is no neg information are my account they could not find any. I have ask this bank about me and my bank account. i talk a recover office at td bank to day and he stated that the account is in good standing with TD bank go back 20 year ago. a research was conduct. that official could not find any neg information about this account there is no money old to the bank for overdraw status. he also stated that he could not see anything neg about my credit card or personal check and with no abuse TD, bank needed to correct this bad information. I have contact XXXX XXXX XXXX XXXX and TD bank NA. both today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I've written an entire blog post about this. I have all the details, receipts, and medical paperwork described in the blog post in the link below. 

XXXX XXXX XXXX ( please copy and paste the above link into a browser if it does not show up as a clickable link ) -- Contact me anytime. 
XXXX XXXX ( cell )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
3yrs ago i crashed car, had gap insurance which i was told on numerous occasions ... .i had gap Insurance Today i get letter for collector, radius global services and they completely ignored my security precautions, so i do not trust whatsoever

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I applied for refinance through my current lender, Freedom Mortgage, the first week of XXXX, 2019. I was told we could do a streamline refinance on our FHA loan and also remove our co-borrowers at the same time, as long as our credit scores qualified. They pulled our credit and gave a pre-approval based on credit scores and check stubs. After a few weeks they finally got the title cleared with the co-borrowers removed. Several different people ( at least 6 ) from  XXXX have dealt with my file since I started this in XXXX. Some of those people asked me for the same documents that I had already sent to someone else. I would go several days without hearing anything and then call for an update and they would ask me for more information. Last week, they had me still conditionally approved based on some explanations they needed for my credit report and verification of income. I sent them the explanations and they verified income and sent back to underwriting. Then, this morning, I get an email saying my file was denied due to " obligations in excess of income ''. No phone calls, no more explanations. I have tried several times to reach my loan officer and his manager, left voicemails and emails and have not been able to speak with either of them all day. I don't see how I was conditionally approved and then, all of a sudden, after two and half months, they deny my refinance based on debt/income ratio. They had my credit and income information from the very beginning. If there was a problem with debt to income, why would they have conditionally approved it to begin with? They had me sign 3 different loan estimates throughout the process as well. I have attached screenshots of some of the emails throughout the process with names and dates/times shown.

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 2019-09-16 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:
I have tried to get XXXX Experion and XXXX to take fraudulent addresses off my credit report. I just received a copy of my Experion credit report in the mail and it still shows 4 fraudulent addresses and my sons address. I have never lived in XXXX Tx., XXXX Tx , XXXX Tx . Or XXXX XXXX Tx. My sons address is XXXX XXXX XXXX, XXXX Tx. And I never lived there. These false addresses have been used by South Texas XXXX XXXX and I never received a bill from them and they never billed my XXXX insurance in 2016. The insurance company only pays out 1 year from date of service so they werent paid. I had no knowledge of this until I saw it on report. I also have 2 credit cards that have been paid off almost a month ago and they have not shown this on my report yet. Please help me get this fixed. Thank you

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 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
This is the second complaint regarding my bonus not received. I sat down with the flier that was mailed to me with the XXXX branch manager XXXX XXXX. He says a promotional code was not provided to him. It was. He's suffering from a memory lapse, " misrepresenting the truth '', or covering his tracks. It's become a he said she said moment at this time. You can be proud of your manger as he saved the bank 300 bucks.

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 2019-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I received 2 identical emails XX/XX/19 an email address on my PayPal account had been added. When I tried my account to change/report this, I no longer had access. I called PayPal and reported the issue, which they reportedly fixed and said they would start an investigation and I would get information about resetting my account. I closed my associated bank account and changed my credit card number. I contacted them today XX/XX/19, as I still hadnt heard back about resetting my account. The changes from a month ago never took place and someone changed the email, phone number, address and credit card associated with the account, effectively locking me out from the account. This is in the process of being rectified by PayPal but I am concerned about the possibility of ongoing identity fraud and that unauthorized transactions ( on XX/XX/19 ) occurred that Im concerned may involve another fraud victim. These transactions were in the amounts of {$90.00} and {$10.00} which Im guessing were chosen to test alert limits. Once I have limitations lifted and have full access to my account again, I will be refunding these amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NY

Complaint narrative:
I received an alert from my credit monitoring that my Discover card limit decreased from {$4700.00} to {$500.00}. I called concerned and was told that due to taking a loan out in XXXX and having a high limit on another credit card that is why they decreased my limit. I questioned how they raised my limit in XXXX {$800.00} and but 9 months later decreased it and again they gave me the same reasoning. The loan they referenced as wanting to see a good payment history was taken out in XX/XX/2018 2 months before they increased my credit limit, of which I have made all my payments on with no issues. Then they quote another credit card that has a high usage of which had a similar balance back in XXXX when they increased my credit limit. When I asked if it was because I haven't used the card is when they started getting confrontational and refusing to giving information on how they determined my increase 8 months ago but 8 months later determined that it wasn't good enough and decreased it by 90 %. They simply saw I was using another credit card and not theirs and reduced the limit thus forcing me to close the card further hurting my credit score. If this has happened to me Im sure it has happened to 10s of thousands of people. Simply because I made a sound financial decision to keep that card as an emergency card they decided to cut the limit. My credit score is the highest its ever been, 3 other credit card companies in the last 60 days increased my credit limit by more than 30 % while they decreased it by 90 %. As Americans try to dig themselves out of debt and build good credit, we have companies like Discover pushing them further down simply because I decided not to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Hayt, Hayt and Landau has called several times in an attempt to collect a debt on behalf of XXXX XXXX XXXX. Calls began Friday XX/XX/2019. I contacted Hayt, Hayt and Landau at ( XXXX ) XXXX explaining I do not have an account nor have I ever with XXXX  XXXX XXXX. I further explained they are attempting to scam me and I will contact the authorities if they continue. Of course, they have continued with more calls XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I filed a complaint with the XXXX # XXXX. The XXXX responded stating that the office of Hayt, Hayt, and Landau does not have a attempting to collect a debt case on file against me. However, Hayt, Hayt and Landau continued to call XX/XX/XXXX, requesting I call Ms. XXXX at ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX, I attempted to redeem XXXX rewards points from PayPay Synchrony Extra Mastercard. Due to unknown system glitch, my rewards balance reduced from XXXX to  XXXX points but I did not get the promised {$50.00} cash rewards. 
This has been a month that both PayPal and Synchrony Extra Mastercard putting me on a circle without any corrective action.

I am very disappointed with incompetent PayPal and Synchrony Bank. 
Thank you. 
XXXX XXXX ID : XXXX Card Acct # XXXX Phone : 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 non-monetary relief
Consumer complaint received 2019-09-16 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX began sending me bills ( XXXX? ) with ~ {$1200.00}. balance I contacted the company directly and explained I did not open an account ( for their mail order catalog products? ). No items were never shipped to my address. 
XXXXXXXX XXXX  began late reporting my credit anyways for months. 
I reported the XXXX account as part of identity theft suffered. 
I reported XXXX to Equifax, but still in XXXX, it is showing to creditor who pull my report. 

I am requesting this derogatory false information be removed from my credit report immediately, as it is harming my ability to refinance my property. It is holey inconsistent with the rest of my credit accounts and history. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I made a payment towards my XX/XX/2019 NewRez mortgage on XX/XX/2019 for the amount of {$2300.00} through the NewRez app. NewRez withdrew the amount of {$4700.00} on XX/XX/2019. I immediately called NewRez to fix the problem. Their agent stated that they withdrew funds for XXXX and automatically withdrew funds for the XX/XX/2019 payment. I advised the agent that I never authorized automatic withdrawal. Also emailed the agent a phone screenshot done after my payment showing payment of {$2300.00}. The agent mentioned that an automatic withdrawal took place since it was close to the following due date. 
I advised the agent that my bank account was now overdrawn. The agent responded stating that theres nothing they can do about it. That going forward, I need to make a selection through the dropdown option and uncheck autopay. The agent also mentioned they will not issue a refund. That I will need to dispute it with my bank. 
I requested to speak to a manager. Agent said she was the  team lead. I requested to speak to someone else as the agent was being unhelpful. Agent transferred me to an operator who had no knowledge on how to access my account. I was then transferred to an operator to which the call then terminated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I qualified for a student loan discharge from Nelnet in XX/XX/XXXX. Nelnet " Discharged '' my loans in full ( $ XXXX ) in XX/XX/XXXX. I have the IRS 1099c form showing " Discharged '' in full. I never again heard from Nelnet until a few months ago when I applied for housing. They said that Nelnet shows past due a few months. Nelnet was called and they said chose to " reverse '' my " discharge '' from XX/XX/XXXX in XX/XX/XXXX. 

Nelnet wrote the loan off in full in XX/XX/XXXX, and now 8 years later they want to double dip. This is not only fraudulent, but its criminal and predatory. 

I contacted Michigan Attorney XXXX XXXX, ( XXXX ) and he will take my case and file a lawsuit but he requested I submit a complaint first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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:
I have tried to get TransUnion XXXX and XXXX  to take fraudulent addresses off my credit report. I just received a copy of my XXXX credit report in the mail and it still shows 4 fraudulent addresses and my sons address. I have never lived in XXXX Tx., XXXX Tx , XXXX Tx . Or XXXX XXXX Tx. My sons address is XXXX XXXX XXXX, XXXX Tx. And I never lived there. These false addresses have been used by XXXX XXXX XXXX XXXX and I never received a bill from them and they never billed my XXXX insurance in 2016. The insurance company only pays out 1 year from date of service so they werent paid. I had no knowledge of this until I saw it on report. I also have 2 credit cards that have been paid off almost a month ago and they have not shown this on my report yet. Please help me get this fixed. Thank you

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 2019-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
On XX/XX/2019 at XXXX I was physically served a Summons at my home address by a process server. The Summons was dated XX/XX/2019. The Summons states that since I was physically served that I have ten ( 10 ) days to answer the summons by filing and answer with the Plaintiff 's attorney and if there is no attorney for the Plaintiff present I am to file an answer at the Plaintiff 's address of XXXX XXXX XXXX, XXXX, NY XXXX. 
I have uploaded a copy of the Summons.

The Summons was for a Tuition debt that is owed to XXXX XXXX XXXX College. The debt amount is {$1300.00}. I have previously attempted to pay the debt in installments on the XXXX XXXX XXXX College website starting on XX/XX/2019. The XXXX XXXX XXXX College website would not allow me to make partial payments on the debt. The XXXX XXXX XXXX College website would ONLY allow me to pay the full amount of the debt, {$1300.00} and I have uploaded proof of this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: AL

Complaint narrative:
There was a Notice and Demand for Payment to recoup the exact value of the illegally collected debt in the amount of {$450.00}. It is accepted that Puget sound Collections, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.

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 2019-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/19 to XX/XX/19 XXXX XXXX. I deposited money I won at the casino. In the amount of {$2600.00} atm malfunctioned. Did not confirm the total. Jammed with XXXX XXXX dollar bill torn. ATMs should be balanced the next day with totals off and I should be returned my money. Now I have overdraft fees and facing eviction. I have read several reviews of this happening to other people and they have not gotten their money back. If I need to hire and attorney.

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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I refinanced my XX/XX/XXXX ARM on XX/XX/XXXX because I understood the rate would reset for the first time on XX/XX/XXXX. When Mr. Cooper refunded the payoff overage, I found it short by more than {$550.00}. I determined that Mr. Cooper had reset the ARM interest rate on XX/XX/XXXX, despite Mr. Cooper 's continually stating in documents and phone calls that a ) the rate would reset on XX/XX/XXXX, and b ) since the payoff statement ran from XX/XX/XXXX-XX/XX/XXXX the reset rate was shown but would be adjusted to 2.5 % until XX/XX/XXXX. My wife and I have requested this interest error to be refunded in phone calls and emails. Mr. Cooper has denied my request and has failed to respond to my wife 's last email. 

1. Nationstar Mortgage llc d/b/aMr. Cooper took over loan servicing of my XX/XX/XXXX ARM in XX/XX/XXXX. Every statement issued by Mr. Cooper from XX/XX/XXXX through XX/XX/XXXX prominently stated my interest rate of 2.5 % until XX/XX/XXXX. However, Mr. Cooper changed my rate to 4.875 % on XX/XX/XXXX. The reset date is clearly XX/XX/XXXX, or alternatively, these are 16 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ). 
2. Mr. Cooper failed to issue a statement in XX/XX/XXXX with a payment due date of XX/XX/XXXX. Instead, Mr. Cooper sent a statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.41 ( 2 ) requiring monthly statements. 
3. Mr. Cooper failed to send an initial rate adjustment statement 210 days before either XX/XX/XXXX or XX/XX/XXXX. This is a clear violation of Reg Z Sec 1026.2 ( d ). 
4. Mr. Cooper 's statements of XX/XX/XXXX and XX/XX/XXXX state the interest rate of 4.879 % until XX/XX/XXXX. This again confirms theXX/XX/XXXX reset date was XX/XX/XXXX, or alternatively, are another 2 clear violations of Reg Z Sec 1026.41 ( d ) ( 7 ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I was victim of data breach that resulted in charges. Contacted original debitor, XXXX XXXX, explained and sent information to them. They continued to try and collect. XXXX sold debt to portfolio recovery. I advised them of issue. They called my XXXX year old daughter and told her I would be arrested if I didn't call or pay. Called my sister in law as well. Now they have filed a civil summons for XX/XX/2019.

Company response to consumer: Closed with non-monetary relief