vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
My name is XXXX XXXX and on XX/XX/XXXX I borrowed {$5000.00} from SpeedyCash Payday Loans due to unexpected financial hardship. The agreement had a pre-determined scheduled payments of {$260.00} starting in XX/XX/XXXX and ending in XX/XX/XXXX. They automatically deduct {$260.00} from my bank account every other Friday. I have been paying every payment on time and on XX/XX/XXXX I manually paid an additional {$300.00} via Speedycash website www.SpeedyCash.com to at least reduce the never-moving balance. SpeedyCash was scheduled to deduct the {$260.00} payment on Friday XX/XX/XXXX but today is Wed XX/XX/XXXX and SpeedyCash still have not deducted the payment from my bank and the 130.460 % interest rate is being compounded daily. I believe they are retaliating because I made additional payment. I am a victim of gauging and usury. I have every intention to pay off this loan but SpeedyCash does not provide payment/balance history and I have no idea what my balance is. They only provide " payoff '' balance and when I requested balance inquiry in the past they provided me with a copy of the same payment schedule. I have no clue where I stand and they are charging me 130.460 % interest rate DAILY. The {$300.00} additional payment was deducted from my bank but not the {$260.00} regular payment deduction on Fri XX/XX/XXXX. This company is gauging me thru usury by not applying my payment - therefore, I am filing this complaint. I would like to be compensated for ALL the days my payment was not applied on Fridays ( following Mondays instead ) which added much more interest to the principal balance. I am tired of them gauging me. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: VA

Complaint narrative:
This is a follow up complaint to complaint # XXXX. I called American Collection Enterprise , Inc and spoke with XXXX XXXX. I have never come across a more rude and belligerent individual. She repeatedly cut me off and refused to transfer the call to somebody with more manners. It was impossible to further discuss my case with them but at this point beyond the written dispute, 2 CFPB complaints and call today with them, they continue to attempt to collect a debt that is not owed and have not furbished any tangible evidence whatsoever.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires. 
I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello CFPB : I am contacting you in an attempt to have expeditious results regarding the escrow analysis that I received in the mail on yesterday with a payment due on XXXX XXXX. I contacted the Senior VP/General Counsel ( XXXX XXXX ) via email and asked that Please correct this matter within five business days of this communication. I also talked with XXXX XXXX of the Specialty Division of Shellpoint Mortgage at XXXX. 



In XXXX, I secured a construction loan from XXXX XXXX XXXX   who later transferred to XXXX XXXX XXXX ( XXXX ). In XX/XX/XXXX, XXXX transferred to ShellPoint Mortgage Services. Since that time, I have experienced repeated errors in the accounting and billing which have caused much grief and anxiety. 



Last Spring, I sent a mortgage payment in with three advance payments earmarked for three future mortgage payments. The mortgage was applied to my principal. Surprisingly, I received a default letter for the next month. It took over a month and six phone calls to different representatives and four emails to various departments to have it corrected. Even after it was corrected, another error occurred which led to more phone calls and inconveniences. 



On last night, I came home to read my escrow analysis. The XX/XX/XXXX amount due is {$6300.00}. I am showing a current escrow balance of - {$24.00}, XXXX. This can not be correct. My yearly taxes and insurance don't exceed {$2500.00} a year. In addition, XXXX XXXX sent a copy of the homeowners insurance twice to Shellpoint when requested. 

I am being told that my taxes were delinquent form XX/XX/XXXX-XX/XX/XXXX.  However, the County Tax Portal shows that the taxes were paid. I have never been delinquent on taxes. 


Also, the cushion of {$4.00}, XXXX ( 1/6 ) is unconscionable. My original lender has a 1/12 cushion clause. Therefore, the terms of my loan can not change due to transfer. This cushion was not contracted for and is NOT reasonable. How many average working persons can afford to pay an extra {$4900.00} with less than a months notice. 

In closing, I am requesting that this matter be corrected within five business days of this correspondence to you. I should only be responsible for the {$790.00} contracted in the original loan and the {$160.00} escrow and possibly a cushion on 1/12 not 1/6 per my  original loan. 



Regards, GP

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MD

Complaint narrative:
AS OF TODAY. I LOOKED AT MY CREDIT REPORT AND SAW that a company that I don't know trying to collect a debt that I know nothing about it says that I owe {$1100.00} to a company called XXXX  XXXX XXXX. I have no ida who XXXX XXXX XXXX is. its not my loan. I have never been contacted by these company 's by mail or by phone or in person. I don't know who they are. they don't show an account number or any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: UT

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report XXXX The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
As a follow up to complaint # XXXX-XXXX. My case was assigned to XXXX XXXX of the Executive Offices. He is by far the most condescending, and belittling individual I have come across in my entire adult life. He continued to talk down to me, and imply that I was not smart, and that I do not understand the Mortgage process. He kept saying that we need to " agree to disagree. '' When I refused to agree to any of it. He stated the same thing that I had stated when I filled the complaint. which is that the taxes were appraised at XXXX, when the appraised value was XXXX. He doesn't seem to understand that homeowners pay taxes on the appraised value. The same appraisal that Huntington conducted. My question remains, why were the taxes not assessed on the appraised value. He didn't have a response. Asked me to go to my tax department. um, what are they going to do? they are going to tax me on the appraised value that Huntington reported. I am quite versed on Mortgage originations and collections. These are all predatory practices that were used to make the home affordable at closing. Had I known that the taxes were beyond my budget, I would not have closed on the mortgage.

On a final note, Huntington needs to re-evaluate the staff they have on their Executive Response team. Not sure if he though that he could treat me like a 3rd grade individual because I have an accent. May be he is racists towards foreign accents? But the response received is not fitting to represent the Office of the President. When I asked to escalate above him, so that I could complain about his condescending attitude towards me. He stated " we will agree to disagree, this is your responsibility '' and then proceeded to hang up on me. This is completely unacceptable, and a true indication of where Huntington stands with their predatory practices. this report will be taken to the news. XXXX 's full name and phone number of XXXX will be disclosed to them. I require an immediate rectification, and apology for the insulting behavior that I was subjected to. It is mortifying, that after all that we went through with the Mortgage crisis, we are still subjected to individuals such as XXXX XXXX, who essentially represent the President of Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My wallet was lost on XX/XX/2018 and I reported it to the bank on XX/XX/2018 to shut the account down. Bank of America did not shut the account down and continued to allow purchases to be charged to my account. I completed a dispute of all charges totaling over XXXX dollars as they occurred by viewing my account on line. They paid the claim then came back a month later and reversed the claim taking all the money back stating XXXX  XXXX  said I was a regular customer. I informed them that I have never ever used XXXX  XXXX or XXXX  in my life and to get them to provide proof that it was me. Bank of America refused to do so and stated that they were done. I filed another complaint sending in the police report, but they refused to do anything. The police arrested three males with my identification and bank card in their possession. Bank of America was sent that information and still refused to give me my money back. I feel that as a victim of a crime I was being robbed of my rights and taken advantage off. They showed no interest in doing their job correctly and properly investigating this case to the fullest. If that had been done the bank would know that I was the victim and did nothing wrong. Instead the bank took that money back from my account causing me a financial hardship because I was right in the process of buying a home and was unable to pay my bills. The claim number with bank of America is XXXX. I continued to contact them with no resolution what so ever. I am so lost and hurt because someone can steal my money and the bank did nothing about this incident, nor did they protect me and my money. Because they made the mistake by not closing my account.

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 2019-11-13 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: UT

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report ) The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.

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 2019-11-13 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: UT

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report ) The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.

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 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: CO

Complaint narrative:
I have tried to open an account with the bank of the in Colorado on XX/XX/2019. Only one person knows how to do the account set up and she is always busy. So i decide to open up my account online on XX/XX/2019. Went in on XX/XX/XXXX to deposit my pay roll check and was informed that the account is so new thats not in the system yet. They told me to leave me check in the overnight deposit and it will be in there on the XX/XX/XXXX. I called them on XX/XX/XXXX asking them why my check is not in my account? They said " since you are so new with us we will be holding your check for 9 business days. ". I was never informed that check was going to be held not online or when I was in there in person. I asked them to give me my check back. They said no it's to late its in the system now and it can't be reversed. I said but it's not in my account how is it your system. They said it's just how ower system works and hung up. So im broke and have to wait 9 business days for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: AL

Complaint narrative:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I filed a complain previously about this : I purchased a home in XX/XX/2018 through the XXXX  home buying program. I went through all the appointments and classes to make sure that I was ready to purchase a home and that I knew my affordable mortgage amount due. I closed on XX/XX/2018. I was told my mortgage amount would be {$1100.00}. A year alter, I was told by my Mortgage company that my new payment amount would be {$1300.00}. When I closed on the home, the title company told me that I was issued a credit because the sellers paid the property taxes for the home up until the day of closing. A year later, come to find out, they did NOT. Bank of America paid the difference and assessed it onto my mortgage. 

They followed up with a BOGUS call back number. I have called the number 15 times, left numerous voicemails, and can't get a call back. 
They are croooks!

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 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: CT

Complaint narrative:
I contacted XXXX  hospital.and know money is owed for this date of service to any providers.Contact XXXX  for any further questions.

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 2019-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
Repeatedly calling me even on weekends

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
My federal perkins loan provider ( University Accounting Services, {$1200.00} ) changed my " in-school '' status to " out-of-school '' while I was still in school. I officially graduated in XX/XX/XXXX, but on XX/XX/XXXX I discovered through a credit check that I had missed 5 payments to University Accounting Services. Once I discovered this I paid the loan in full, including late fees ( {$48.00} ) and asked them to remove the complaints from my credit record. I was told they would look into it but I have not heard anything since. I emailed them on XX/XX/XXXX and was once again told they would look into it. I was supposed to have a 6 month grace period, so my first payment should have been due in XX/XX/XXXX.

Company response to consumer: Closed with explanation