vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: PA

Complaint narrative:
I applied for and was approved for an online loan thru Amplify Funding. The loan was presented as an installment loan however, when the payments began to be drafted from my checking account I quickly realized this was a payday loan with extremely high rates/finance charge. I called and inquired about the loan and was advised I was locked in and had to pay the entire amount indicated on the extremely long contract. I was able to pay back the 1st loan with Amplify Funding but I had to reapply to be able to pay other financial responsibilities and feed my family. I was having a discussion with a friend and they advised payday loans are illegal in the state of Pennsylvania and I was advised to contact CFPB to see what my rights are as a consumer and to see if I can possible be responsible for paying the principal of the loan only. My loan/lender information is as follows : Amplify Funding - XXXX Amount Financed : {$1700.00} Annual Percentage Rate Charged : 683.98 % Finance Charge, the dollar amount the credit will cost me : {$4100.00} Total Payments, the amount I will pay after all payments are made : {$5800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX Fri XX/XX/2019 XXXX XXXX Being the first is being paid off, XXXX is demanding {$59000.00}. We only have $ XXXXto give them in the transaction which means {$34000.00} would need to be paid by XXXX at settlement to avoid foreclosure of the first and settle the transaction. 
The bank has stated this is their final offer and will not negotiate. 
I suggested the bank approve receiving {$24000.00} and provide a note for the balance and they are refusing. I have requested a supervisor to try to resolve but was advised there is nothing further XXXX will do. 
There is nothing further I can do at this time. 

How can this be? Per your email dated XX/XX/19Hello please advise your clients the offer has been declined. Foreclosure is scheduled for XX/XX/XXXX. 
Please provide a release. 
The bank is demanding a purchase offer of no less than $ XXXX XXXX please relist the property asap and advise nothing less than the {$130.00} will be accepted. If buyer wants closing help they will need to increase price/offer. See our title calculator for help ; XXXX XXXX you led everyone to believe that the bank communicated to you the amount they wanted to avoid foreclosure. The buyer offered the exact amount ( {$130000.00} ) only for you to come back a month later with this ridiculous response. You need to go back to whoever you've been dealing with and let them know that this is unacceptable. They wanted {$130000.00} - or did they? And they got {$130000.00}. Therefore, they have to accept that amount. 
I've negotiated short sales on behalf of my clients with different lenders and I've never seen a bank counter their own counter. 
I do not think this transaction was handled very professionally. I am very disappointed. You had people jumping through hoops changing this, fixing that, and correcting this - all for nothing? It took six months and two offer to let the homeowner that her home will be foreclosed. What a complete waste of time. 
The homeowner is devastated. I can see why she feels that way. Please make another attempt to contact the lender and see what can be done to prevent this foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Good morning, I have tried already to contact CBNA/ Best Buy. They have 2 Hard Pulls on my credit without my approval. They claim that they upgraded my regular best buy account to a mastercard. This required a hard pull which I NEVER approved. I called immediately when i saw on my credit and have been trying to have removed since. They refuse. I do not want to close the account to hurt my credit! XXXX XXXX XXXX, SD 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 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
THESE XXXX KEPT CALLING ME AT WORK AND I LOST MY JOB AS THEY VIOLATED FEDERAL AND STATE LAWS AND I HAVE COMPLAINTS OPEN AND THESE XXXX TAKE THEIR SWEET TIME DOING NOTHING. I GUESS WHEN THEY GET SERVED WITH A HUNDRED MILLION DOLLAR LAW SUIT AND THE STATE OF COLORADO FILES AGAINST THEM THEY CAN GET THEIR XXXX  MOVING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MA

Complaint narrative:
XX/XX/XXXX - Rent Recovery Solutions/XXXX XXXX FKA XXXX XXXX XXXX reported to CRAs debt owed to XXXX XXXX XXXX ( # XXXX ) {$1700.00} and {$1700.00} ( # XXXX ). XX/XX/XXXX - Complaint was submitted to CFPB # XXXX. 
XX/XX/XXXX - Rent Recovery response : " We have isolated the duplicate account and closed it. We have place the other account on a hold pending our client 's review of the complainants 's documents. Unless and until we can verity the exact nature of the charges with our client, we will not reopen the account. '' XX/XX/XXXX - My feedback : " Federal and State laws provides for the removal of false or inaccurate information on credit reports. The response did not address fraudulent reporting to CRAs by Rent Recovery Solutions and XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX. Allowable tender under Georgia Code Section 44-7-52 was offered by my bank and myself on separate occasions to XXXX XXXX XXXX dba XXXX XXXX at XXXX and rejected. The account should be closed and removal of all false/inaccurate information reported to CRAs should removed. '' XX/XX/XXXX - CFPB Complaint # XXXX asserted that previously deleted reports by Rent Recovery Solutions ( XX/XX/XXXX ) XXXX File # XXXX reappeared on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/19, I entered into an arrangement with a third party to purchase an item. I paid for the item through XXXX, which utilized my debit card for payment. The person never sent the item, and, through communication with the seller, it appears that her account was hacked and this was a scam. Upon receipt of this information, I immediately disputed the charge with my bank. They did an investigation and determined that the charge was valid because the company, XXXX XXXX, said it was. I filed a CFPB complaint with XXXX, who said that, in cases like this, " the cardholder typically files a chargeback dispute to the issuing bank of the card used to get their money back. '' Also, " Once a chargeback dispute is initiated, which occurred here, the chargeback dispute is decided exclusively by the bank that issued the payment card used to make the payment. '' I have evidence that this was all a scam, and that I did not receive the item from this seller.

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 2019-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
There is no Good but the Great XXXX ; Creator and Master of All Things! Greetings To You All ... This complaint is a spin-off of another complaint against XXXX XXXX XXXX, XXXX. On or about XX/XX/2019, NetCredit, Inc., was issued a 'Cease and Desist ' Letter for account # XXXX and Social Security TRUST account number XXXX of the amount of {$1600.00}. The chartered-party XXXX XXXX/XXXX XXXX is the copyrighted name of XXXX XXXX XXXX, Estate and the occupant of the estate is XXXX XXXX XXXX : XXXX. This was major mis-communication between XXXX  XXXX XXXX, XXXX, and NetCredit, Inc. A check was cashed and deposited at XXXX XXXX XXXX , XXXX, on XX/XX/2019. NetCredit, Inc., claims that the Fictitious entity XXXX XXXX-chartered-party of the United States owes their Organization a Debt ... As the Original Creditor-holder-due-course deny any such debt exists ... XXXX XXXX XXXX : XXXX, as Real Party in, 3rd party interest intervenor under injury, Sole Shareholder in XXXX XXXX XXXX will state for the record and to be placed into the record that NetCredit, Inc.,  has committed predatory lending practices against the Estate in violation of copyright agreement, instruction into account without consent, phone harassment and falsely claiming to be the Creditor and the FICTION/legal entity XXXX XXXX the debtor ... Secured Party Creditor here in ask the CFPB to instruct NetCredit, Inc., to STOP ALL Communication with our estate and return all funds their agency/agents have collected from estate 's account ... We that NetCredit, Inc., return with interest all XXXX and for damages caused to the injured party, XXXX XXXX, theater of eviction, etc. etc ... Please forward this complaint to NetCredit, Inc., at your earliest convenience ... 

Thanks to you all ....

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: IN

Complaint narrative:
In the last month they have contacting myself and for my husband account only on my phone number, I have never avoided calls and working with them and my HRA to send them money on past debt not paid through insurance. I have talked to them 4-5 times in XX/XX/2019 along and working nicely with them and they receiving payments from either myself and/or HRA. As of XX/XX/2019 we have determined the balance left will not be paid by HRA so I paid in full early afternoon prior to XXXX, which the money was immediately taken from my bank account. Now today XX/XX/2019 at XXXX. est. time i receive a call from them for my husband account saying i owe XXXX, i said please look at notes paid in full prior, she said no and only notes were from XX/XX/2019 i said please look again it has came out of bank account she said oh yes i see that. This is not acceptable, one i have not avoided calls and over XXXX you have an automatic dialer call on accounts that have been paid in full. I understand there maybe a delay from when system updates however the system should update more often then this. The account should have been set out not to call today at XXXX. when payment for full paid prior to XXXX. day before.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I purchased a house and the closing date was XX/XX/XXXX. The mortgage had a {$620.00} loan origination charge to buy a quarter percent lower interest rate. There were so many errors, issues and problems with the closing documents ( far too many to detail here ) that delayed the closing. Because it caused so much extra work for my attorney and so much stress on me and additional costs in attorney fees, the mortgage banking consultant at FNB ( First National Bank ) XXXX XXXX ( NMLS # XXXX ) called me late in the day of the closing and told me that FNB will be refunding the {$620.00} loan origination charge because of all of the errors. He said it would not be a refund or check and that it would be a credit applied to my mortgage on the principle. Mr XXXX even said they would credit any interest that has accrued on {$620.00} since the closing. Ever since the XX/XX/XXXX closing, I have talked to, texted and emailed XXXX XXXX numerous times to check on the status of the credit and it still has not been credited to date as of XX/XX/XXXX. It's been almost a year since the closing and he will no longer call me back or respond to my texts or emails. He is very careful and cunning and makes sure to never put anything in writing and only responds verbally over the phone. Mr XXXX even stated to me over the phone that he is not making any money since my loan closed and said he doesn't want to spend any more time trying to resolve the {$620.00} credit for me because he has other mortgages he needs to take care of now. Mr XXXX has given me numerous dates over the past year of when the credit would be applied but all of those dates have come and gone with no credit. He told me numerous times that he is just waiting on a signature from a supervisor and the credit would be applied as soon as his boss XXXX XXXX signed it. The last time I spoke to Mr XXXX a few months ago he actually offered to give me a smaller credit of around {$200.00}. I have called their customer service department and spoke to numerous people including XXXX XXXX, a customer service specialist who told me that there was nothing she could do about it. I have asked to talk to XXXX XXXX and have left messages for him to call me back but have never received a call back. I believe that XXXX XXXX originally tried to resolve all of the closing issues by committing to the {$620.00} credit without supervisor approval and his supervisors will not sign off on it. I will be remortgaging my loan as soon as possible and will never do business again with First National Bank 's mortgage department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: NY

Complaint narrative:
To Whom it may concern, I am member of retro fitness and for almost a year i didnt use their service while they were taking from account on a monthly basis of {$22.00}. I reached out to the GYM to cancel my service they say i cant i have to reach out to ABC Financial. I reached to ABC financial to cancel my service since I am not using a service which i am paying for for more than a year. they told I cant cancel my service like I have to mail in a letter of cancellation to them and it would take up to 3 months for my service to cancel and I find that not just because you are still incurring a monthly cost while you are trying to cancel my membership. 
In addition this was not stated upfront when you join the GYM as a known fact to all members Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX  XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : Us Bankruptcy Ct., ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND 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 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was changing my insurance policy. The old policy was to end on XXXX. The new policy was set to take effect on XXXX. Fifth Third, our mortgage company was informed of the change by my insurance agency, XXXX XXXX XXXX XXXX. They were also given the address to send the payment to out of our escrow. They sent the payment to the wrong address. Therefore, we did not have insurance from XXXX until it was discovered on XXXX. We immediately purchased insurance. It was a higher price because of the lapse. A difference of {$830.00}. I immediately contacted Fifth Third. They acknowledged the mistake on their end.I have talked to them several times and they keep saying they will call me back. They have never called me back and its been over 4 months.We are asking them to pay the difference of {$830.00} and take care of the lapse in coverage fees they are trying to impose on us. Enclosed is the policy that we were never able to get, the policy we had to buy, and the latest letter we received from Fifth Third asking us to pay for insurance during the lapse. The last supervisor I spoke with was XXXX XXXX. XXXX is the email he gave me. He has never responded to any of my emails. The last time I spoke with Fifth Third I told them I was filing a complaint. 

Thank you, XXXX " XXXX '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am showing on my credit report that I have missed payments showing for the following dates : XX/XX/16, XX/XX/16, XX/XX/16, XX/XX/16 & XX/XX/16. 
I was never late on my Walmart credit card ... I had requested many times to have my due date moved to the beginning of the month and was never done. I called them before closing my credit card and paying in full and they agreed to remove late payments. They have not removed from my credit report and I am trying to buy a house and need these removed. 
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 2019-07-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : SYNCB/JC PENNEY, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : Us Bankruptcy Ct., ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND 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 2019-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has changed how they apply debits and credits or something. They do allow some overdrafts but what they have been doing is actually clearing the debit or ach to the point on my end it shows as cleared and also they charge an NSF and then a day or so later they reverse the funds. It intermittently shows cleared even with the creditor. With the assessing of the fee and the item showing as cleared that depletes the balance even further and has caused additional NSF of things that may possibly have cleared if both the fee and transaction weren't both showing as cleared. I need a portion of those fees returned.

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 monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX  XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX  XX/XX/2019 XXXX  XXXX/XXXX  XXXX  XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX  XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019. Please remove these inquiries from my report as soon as possible.

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