vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
ditech - the company we had and currently have our mortgage with is unfairly holding escrow dollars. 

We initiated a cash-out refi with ditech. So we had our mortgage with ditech. We did a refi with ditech. The refi funded XXXX XXXX ditech is refusing to refund us the balance from the old loan escrow account. The customer service folks tell me the " rule '' is that they hold the balance for 30 days prior to refunding. That's ( in my opinion ) unfair and just not right. Remember, this old loan was paid off by THEM. How can they not clear their own books when they paid off the loan. There is no other financial entity involved, no checks or wires from other companies to wait on. In the new loan they required us to fully fund the current taxes due and a surplus. So if they are doing the math correctly they have plenty of money for current taxes and a surplus. There is just no justifying sitting on our refund. 

If I don't make my payment on time, they charge me a {$44.00} late fee. Why shouldn't they do the same when the money is due to me?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: IN

Complaint narrative:
I reached out to the bureaus in regards to a dispute in question in regards to a repo that was on my credit reports, found out somebody had gotten a vehicle in my name and the vehicle im guessing has YET to be recovered, cant get any information in regards to it because I cant verify account information to whoever has the car so they only tell me what they can well I went to the actual dealership and they were able to give me some information to help me, I was able to contact the company and they finally sent me documentation in regards to the vehicle to help me get the car removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 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: IN

Complaint narrative:
I reached out to the bureaus in regards to a dispute in question in regards to a repo that was on my credit reports, found out somebody had gotten a vehicle in my name and the vehicle im guessing has YET to be recovered, cant get any information in regards to it because I cant verify account information to whoever has the car so they only tell me what they can well I went to the actual dealership and they were able to give me some information to help me, I was able to contact the company and they finally sent me documentation in regards to the vehicle to help me get the car 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
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my account online with a promotion that stated that if i opened an account and deposited a minimum of {$50000.00} there would be a {$600.00} dollar promotional credit. 

I have contacted Citi multiple times and have not been given a clear answer as to when i should expect the {$600.00} dollars to be credited.

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 2019-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX is offering personal loans as described below : " XXXX PERSONAL LOANS NO ORIGINATION FEES. NEW RATES AS LOW AS 6.49 % * '' I applied for this loan, however, was offered 9.99 % rate. When I called and inquired as to why I wasn't offered the advertised rate ( my credit score typically ranges from ~780-820 ), I was told that was because I'd need an 830 credit score to qualify for that rate. When I complained that I felt what they were doing was false advertising, they argued that credit scores go up to 950. This is very much a lie. Being in the XXXX XXXX, I quickly queried a database of 150,000 mortgage applicants, of which only 4 had over an 830 credit score, with the highest credit score being an 840. Based on my data, less than .0026 % of credit worthy applicants have an 830 credit score or higher. I personally feel that advertised rates where less than 5 % of the population would qualify for, borderlines on false advertising, however, what PenFed is doing is significantly worse. 

In my opinion, XXXX is advertising a rate that virtually no one qualifies for, which is very much false advertising.

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 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion continues to violate my financial rights by tweaking an account past statue of limitation so many times that they are making me and this Federal Bureau Site believe that they are conducting an investigation and yet they are not. A mortgage account opened in XXXX was closed in XXXX and a new account was opened with a completely separate and new bank with totally different numbers and terms, yet the accounts are mixed and confusing in one. 

account in question appears with Transunion as : XXXX XXXX XXXX Mortgage # XXXX ... 

These two accounts, having never been properly separated and distinguished by Transunion as two different entities, remain displayed as one account. This is damaging to my credit repeort because of the fact that the OLD account contains negative information which is past the statues of ALL LEGAL limitations as well as FCRA law for appearing on my credit report. Yet, because the account was never properly separated by Transunion, XXXX XXXX or XXXX XXXX the account continues to show up as ONE ADVERSE ACCOUNT. IT IS NOT! 

I have raised this concern with the other bureaus and the issue was promptly repaired. Transunion understood the same situation had occurred with another XXXX XXXX mortgage account and that was promptly deleted, thankfully, and yet this one continues to disrupt my financial status and credit repeort. 

I have NEVER been late, not in the last 8 years, so the account which appears combined is contradicting that fact about me and is required to be deleted. 

I am about ready to sue this agency in small claims if they dont completely delete it because I have done everything in my personal power to be patient and give them ample time to investigate and delete and yet all they have thus done is delete a few months ' history here and there and that has been the extent of their miserable service to me as a financial consumer. 

I would like to also know If I may completely ban Transunion form possessing my information because it is apparent that they are completely irresponsible and careless of consumer protective guidelines, FCRA Law, FHA Law and also Federal Laws. I dont want a company like Transunion having the right to harbor my information if this is the type of company that they are. They are 1000 % disregarding my complaints and refusing to delete an account that is riddled with discrepancies, mixed information, old information and false 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 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is LVNV Funding LLC. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. 

I received notification from pressure tactics ranging from letters from other debt collectors working for LVNV under the name XXXX XXXX XXXX XXXX. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. 

I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
today I checked my credit report and found on there some inquiries that I never requested or that are unfamiliar please get off. 
XXXX XXXX on XX/XX/XXXX consumer request XXXX on XX/XX/XXXX written authorization XXXX XXXX code on XX/XX/XXXX XXXX  on XX/XX/XXXX for c ollection   XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX for consumer initiated transaction XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all these are unknown unfamiliar

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 2019-02-06 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: U.S. BANCORP
State: WI

Complaint narrative:
Good Afternoon - I was reviewing my XXXX credit report and noticed a few hard inquiries that I did not do. One was from XX/XX/2018 I have a hard inquiry from XXXX XXXX. That is not someone I would ever do business with. So there should not be an inquiry from them. And it appears on my hard inquires again on XX/XX/2018. 

Then looking at my XXXX XXXX credit report and noticed a few more hard inquires that I did not do. One was XXXX XXXX Inquiry from XX/XX/2018 no clue what this even is. Another is another cell phone company, XXXX Inquiry from XX/XX/2018, I would never use this company either.

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 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Commonwealth Financial Systems, Inc.
State: ME

Complaint narrative:
The debt collection company, Commonwealth Financial Systems,  has managed to dupe XXXX  and XXXX  into posting a very old collection amount ( opened XXXX, XXXX -- {$1000.00} ) as if it was just opened. For the last 3 years ive lived in XXXX  and they are NOW showing the account as " opened in XXXX of XXXX ''. This account was started in XXXX. I would have had to have been in XXXX for such an account to be valid. It's already bad enough that consumers have to be treated as deliquent on debts that, if paid by an insurance company or medicaid, would have been discharged at 5 or 10 percent of the actual bill. Think of the money we lose while trying to build credit, because we are stuck with the option of credit cards and loans with huge percentage rates directly related to open accounts of little or no substanence. There is also a second similar account of {$340.00}, for which they did the exact same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been making payments to Navient in advance. I should be paid a year in advance. And my profile is set to apply payments to future payments rather than just to principle. Despite that request, every month I make a payment, the due date is not advanced. I have made countless phone calls to try to get this issue addressed -- and while they fix the particular payment about which I am calling ; the underlying issue has not been resolved. I have called close to a dozen times now. I have also tried emailing them. And still the payments are being misapplied. 

I am trying to pay in advance in case something horrible happens and I am unable to make a timely payment. It shouldn't take me an hour out of every month simply to make sure my payments are being applied in a fair way. Moreover, every time they make " an adjustment '' the numbers then look off. At one point, a representative told me that the interest I pay is the same regardless of how much principle I have paid -- or how far in advance I am paid. And though my payments are always more than the required amount, the payment schedule has never been adjusted to reflect an earlier final payment date. 

My payment amount is supposed to be {$380.00}. Every month, I have been paying {$400.00}. When I have asked for information in writing, nothing has been sent. So, unfortunately, I can not attached any correspondence as none has ever been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Business Factors
State: NV

Complaint narrative:
I have no written contract with this company and they refuse to send me documentation of any signed agreement between me XXXX XXXX XXXX , XXXX. of Nevada.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XX/XX/2018 I had a payment of {$25.00} be returned against my account that was set up on auto-pay. Earlier the prior month I had my wallet with some of my other belongings stolen such as my drivers license, debit cards, phone, and social security card while I was in the process of settling after moving. To protect my assets I had my accounts frozen and had to start fresh. Unfortunately it takes quite some time to prove you are who you say you are without any form of identification so my accounts had remained that way for almost a month. About the end of XX/XX/XXXX I had received the forwarded letter confirming that the payment had been missed and it had come to my attention they didn't have my new card information for the auto-pay. The moment I had received the notice I called CAPITOL ONE and explained to the representative what had happened and she had assured me that this happened quite often and I payed the card off in full for my XX/XX/XXXX payment. Having never missed a payment I hoped that they had been understanding especially with the voice mails that I had from their department trying to help me out and willing to work with me... about a week later I checked my credit report and i took a 150 point hit to my credit score due to this interaction. I have since called and even sent a letter of good will trying to explain the situation, but after they had received the total card balance of {$190.00} their willingness to work with me had seemed to vanish. The only reply I could get was a generic generated letter with no human emotion. I had completely given up on trying to appeal it until a friend of mine pointed me this route

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 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: VA

Complaint narrative:
On XX/XX/XXXX - I sent a document to the XXXX Bankruptcy Court regarding the fact whether they provide Chapter XXXX BK information to any third party or credit reporting agencies. I now have a document stating they do not provide this information AND that they do not attach a complete social security number on any information. 

I then contacted XXXX  XXXX and got a security freeze and opted out of any of there information reporting. I now have a document which shows that my opt otu through XXXX XXXX has been approved AND a Security Freeze case number. 

In XX/XX/XXXX then sent a dispute letter to Equifax regarding erroneous information on my credit report regarding an old Chapter XXXX BK. I received a very QUICK within 5 days response saying they have verified all information as correct through XXXX XXXX. 

I then sent documents from the court house, from the freeze, and from the opt out to equifax regarding the fact that it is impossible they verified any information and I would like to know how they verified. 

It has now been 30 days and Equifax has yet to respond or to fix anything on my credit report. 

I have done and sent all documents required and all I get is silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I had an account with XXXX. My relationship with XXXX ended in XX/XX/XXXX. I owed XXXX a final balance of {$600.00}. XXXX sold my account to a collection agency and the agency sent me a collection letter for {$600.00}. In XX/XX/XXXX XXXX attempted to take {$980.00} from my XXXX XXXX account without my permission. The account that they tried to collect the balance from was closed a month prior due to being compromised. XXXX realized they couldn't get money from my XXXX account so they withdrew {$980.00} from my Paypal Account making my Paypal Account {$980.00} Negative. I did not have the funds in my Paypal account nor did I have a backup funding source attached to my Paypal account which Paypal requires in order to complete transactions if there isn't funds in the said account. Please keep in mind that I did NOT authorize XXXX to withdraw any money from me. I opened a Case with Paypal to dispute that transaction. Paypal initially agreed that what happened didn't make sense, XXXX didn't have the right to touch any of my accounts without permission and without notice. Customer Service at Paypal also went on to say that they had no idea how the transaction even went through because if the Customer ( ME ) did not have a backup funding source ( Bank Account ) attached to their Paypal Account then transactions would automatically be denied if there are non sufficient funds in the Paypal Account to cover the transaction so Paypal ruled in my favor. They removed the negative balance from my account. About a week later Paypal sends me an email stating that they ruled in favor of XXXX because I signed a contract with XXXX stating that XXXX may take funds owed if I have a remaining unpaid balance. I attempted to fight this because it is unlawful. Paypal then told me to take it up with XXXX. My Paypal account is still {$980.00} negative and Paypal is threating to take me to collections. There are a few things very wrong here. 1. I owed XXXX {$600.00} NOT {$980.00}. I have it in writing. 2. XXXX did NOT have Authorization from me the Account owner to touch any of my bank accounts for payment. 3. Paypal should not have allowed the XXXX transaction to go through being that I did not have the money in my Paypal account. 4. Paypal should not have allowed the transaction to go through because I DO NOT have a backup funding source attached to my Paypal Account which is Paypal 's rule in order to allow transactions to post on my Paypal Account. I have been with Paypal since XXXX. This situation is so wrong on so many levels. I am praying that someone can help me get this situation resolved. My debt is with XXXX in the amount of {$600.00}. Not Paypal for {$980.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is XXXX XXXX XXXX. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. 

I received notification from pressure tactics ranging from letters from other debt collectors working for XXXX under the name Stenger & Stenger P.C. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. 

I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We had a repayment agreement that was fulfilled and the account was paid in full, yet on my credit report it is listed as charge off.

Company response to consumer: Closed with non-monetary relief