vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX has been contacting me repeatedly. I informed the agent not to call me when during my work hours XXXX to XXXX on XX/XX/2019. On XX/XX/2019 they called me twice in the span of an hour and a half. 

When I called back, I requested information on the individual or entity that is claiming that I owe a debt. They agent informed me that it is coming from a contractor who worked at XXXX Hospital. I informed the company that I was insured and received no communications about the debt until four years after the fact. She informed me that my ability to dispute is over cause its past one year and that " I NEED '' to resolve this debt. She would not let me get off the phone and I had to hang up. 

They were unable to provide me contact information for the company that is claiming that I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I was offered a 3.625 % interest rate with an APR of 3.704 % on a conventional 20yr fixed with Lender Paid Mortgage insurance. It had no discount points applied to get to that rate. The Loan Officer had at this point gotten my Name, SS #, Address, expected mortgage, Home value, Credit score, and income. All the things you need for a true application. We locked that rate in on that day and I decided to proceed. 
This was a match or beat offer that got me to leave the company that currently was offering 3.99 % interest rate with 1 % discount point, APR was over 4 %. I thought this was a great deal. After the appraisal was completed and the initial underwriter review, it was discovered that I was offered a program that I did not qualify for. I was offered an interest rate on a XXXX XXXX Home Possible, but I make way too much money to qualify for that program. None of my information had changed at this point. 
Due to this fact to get the interest rate I was offered I have to pay .763 % discount points which is {$2600.00}. It took them 15 days to finally admit this mistake. Every time I followed up they would say its okay we're taking care of it, its a clerical error. 
I feel this was a bait and switch tactic to get me to go with this company and get me into the process so I was unable to switch back to another company with a better deal. 
Due to rising interest rates I am now unable to get the better deal a competitor was offering. 
I have also repeatedly received Loan Estimates and today a Closing Disclosure with missing an/or inaccurate information. I have repeatedly provided them with the correct escrow information for taxes, insurance, and information on the Title company I would like to use. They have repeated sent back inaccurate disclosures stating their system won't update it properly. 
This has also adversely impacted my ability to accurately determine what my closing costs should be and if I can afford to close. 
At this point they continually have been dragging their feet on getting required documents to close and I feel they may be trying to wait until the rate lock expires to get me to back out of the deal. The rate lock expires on XX/XX/XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 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: TX

Complaint narrative:
I was told by the credit bureaus to send in the proper paperwork to get the accounts removed. I sent the paperwork 6 months ago and still no update

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 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I took out a promotional 0 % interest on my Bank of America card in XX/XX/XXXX that expires in XX/XX/XXXX. I then took out a second promotion of a 1.99 % rate ( {$1800.00} ) through next year ( XX/XX/XXXX ). As my XX/XX/XXXX balance is coming due, I called BOA to ask how to pay off the 0 % promotional balance and was told any payments made would go directly to payoff that 0 % balance. At the advice of the BOA representative, I made an {$800.00} payment on XX/XX/XXXX, then called today, XX/XX/XXXX, to get the payoff for the remainder only to find out that the {$800.00} went to my second promotion because there is a law in place that says it has to payoff any balance with interest FIRST ( even though the 1.99 % rate is benefiting me as a consumer for another year ). So now, if I don't pay the FULL balance to the tune of {$3600.00} ( which I do not have by the way ), I will be charged 30 % interest on {$2400.00} ( $ XXXX/m ) going forward. Please tell me how that helps me as a consumer in not being able to specify where I want my funds allocated for the payment of the promotional balance. Also, tell me where BOA 's responsibility lies in telling their consumers misinformation, and to educate people from falling victim to this scheme.

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 2019-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXXXXXX pulled my credit report. I never had a XXXX XXXX XXXX product. I called and they said they cant tell me who pulling my credit to contact the credit bureau. I want them blocked from pulling my credit. XXXX XXXX XXXXXXXX has no right doing a inquiry on my credit if i didn't apply for anything.

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 2019-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keynote Consulting, Inc.
State: CA

Complaint narrative:
About three years ago, a collections item surfaced on my credit report from Keynote Consulting in XXXX. It was a medical bill for {$160.00} from XXXX XXXX XXXX in XXXX XXXX, IL. I did receive services from this doctor in XX/XX/XXXX, but paid all my bills in full. This was verified by XXXX in the doctor 's billing office, who confirmed I had a {$0.00} balance and all bills had been paid in full. 

Thus, I disputed the collections item on my credit report and asked Keynote for a validation of the debt. I never received one. Three years later, this item is still on my credit report, and has been added to my wife 's. 

On XX/XX/XXXX, I called the billing office of XXXX XXXX to again verify there was NO DEBT owed. I then called Keynote Consulting and spoke to XXXX XXXX. When I asked why it was on my wife 's credit report as well, she explained that they are allowed to do that via the Illinois XXXX XXXX XXXX ( which by my understanding, applies to children 's medical expenses but not spouses ). I then reiterated that there was no debt according to the original creditor, and asked for a validation of the debt. She said, " This is a valid debt. Nothing you do is going to change that. '' When I asked if they could contact the original creditor to confirm there was in fact no debt, she responded they were " too busy '' to worry about stuff like that. 
I again asked for validation of the debt, and she provided me with an amount and no other information. I pressed and reminded her that under law, they must provide me with a validation of the original debt. She responded, " Listen, this is a place of business. I don't have time to talk about all this with you. I pressed again, and she said, " Fine, give me your address and I'll send you a letter. '' I then asked if it that letter was going to be a generic statement or a legal validation of the debt, and she responded, " That's it. I'm done. I'm hanging up on you, '' before hanging up. 

This non-existent debt has plagued my credit report and now my wife 's, even now three years later as we try to secure a mortgage. I only wanted to resolve the issue and have it legally removed, but Keynote Consulting has made that all but impossible by refusing to comply with the Fair Debt Collections Act.

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 2019-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MA

Complaint narrative:
XX/XX/2019 XXXX XXXX ( DST ) MoneyGram Reference # : XXXX In the amount of {$50.00} with a {$6.00} Transfer= {$56.00} debited from my XXXX XXXX credit card. I sent this payable to my son, who has the same last name and resides in Hawaii, which means it was sent within the United States, from one state to another state. 
MoneyGram processed the request and assigned it a reference number for pickup and showed it as " available '' when checked online. However, when my son tried to pick it up he was told that it was not going to be processed. It was still appearing as " available '' on their website. 
This is probably the fourth or fifth time that this has happened and the amounts are not huge usually about {$20.00} to {$30.00}. They do not actually credit my credit card account unless and until I call them and request it. My bank approves the initial transaction and they for whatever arcane reason decide it should be rejected. It is their Fraud Department who makes this decision. There does not seem to be any rhyme or reason for their actions and whatever their reasons are-is a closely guarded secret. And there does not seem to be any way to reach these " Guardians of Fraud ''. This had happened a few times a couple of months ago so I stopped using them then I started to again and everything was alright until the last week. XXXX XXXX does not assign a transfer number unless a transaction has actually been approved by the sender 's bank and by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: TX

Complaint narrative:
I was told by the credit bureaus to send in the proper paperwork to get the accounts removed. I sent the paperwork 6 months ago and still no update

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 2019-05-08 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I asked that you investigate and remove the unauthorized inquiry on my credit report. 
Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX Exeter Fin Inquiry from XX/XX/XXXX I checked my report recently and noticed that you did not remove it. Why is that? It appears to me that you don't care about my rights and my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX  XXXX is attempting to charge interest on top of interest. This began within approximately one month after XXXX XXXX extended me credit & opened an account on my behalf. My first statement was dated XX/XX/2018. I have paid off in full each month the purchases accrued. I believe XXXX XXXX uses overly aggressive if not Illegal calculations which don't consider, for one thing 1 ) credit when an item is returned and that transaction overlaps 2 statement periods..There are i am sure other overly aggressive tactics employed by XXXX XXXX in the name of tacking on interest. 

I have called them each time I received a new statement which showed interest and explained and provided proof that full balances were paid timely & asked that the situation be permanently corrected, to no avail. 

I request all interest ever charged be removed and/or credited back to 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 monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Then, my agent and I got on the phone with another Loancare representative. To that representative, we gave them a fax number to the title company. We repeated the number and had them repeat the number back to us. The fax never came. 

On XX/XX/XXXX, the title company called Loancare again to check on the update of the payoff statement. They claimed they sent it to my email. It has not been received. Today, Loancare drafted a payment from my bank account. 

I do not understand why they can not send this payoff. Furthermore, I have reason to believe the payoff amount previously quoted is inaccurate : the original mortgage was for approximately {$300000.00} in XXXX. It was a fixed rate loan amortized over 30 years. In XXXX, in accordance with HARP, I modified the loan, deferring part of the principal balance and lowering the interest rate to 5.0 %. However, the payoff demand is around {$280000.00}. After running multiple amortization scenarios, this payoff demand seems high.

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
this company is in violation of fcra section 609 623 and several others they are not able to show original signed contracts or any form of proper debt validation at all this has been an ongoing issue that ive tried to resolve with this company to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Third Request I asked TRANSUNION, XXXX, XXXX to remove the wrong hard inquiries that I have on my credit reports because I have been victim of identity theft. 

My life have been impacted because of that and I am victim of emotional distress because of the non answer of TRANSUION XXXX AND XXXX. 

I am asking for the last time those company to remove the hard inquiries because the investigation and police reported clearly prove that I have been victim of identity theft. They never respect the 60 days investigation and never provided me any documents on that legal timeframe. 

My lawyer has all proof and ready to file a lawsuit for emotional distress caused by TRANSUNION, XXXX, XXXX. 

Its our last attempt before filing : We ask you to remove all the credit inquiries except : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

We expect you to proceed immediately because you do not respect the 60day period and we can prove it. 

Find attached again the police report.

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 2019-05-08 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: TX

Complaint narrative:
I was told by the credit bureaus to send in the proper paperwork to get the accounts removed. I sent the paperwork 6 months ago and still no update

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
My previous mortgage holder, XXXX XXXX XXXX, did not accept a modification agreement, sent to me by themselves, which I returned on time ( in provided overnight delivery XXXX envelope ), 2 copies with my signature on both of them> I left one copy to my self. I paid 7 months Trial period payments of ( $ XXXX ) and 10 months of modification payments, as it was on agreement signed by me, but after all, XXXX XXXX XXXX attempted to foreclose on my property numerous of times. After I filed a complaint in a Missouri Small claims court, XXXX XXXX XXXX transferred the case to Federal Court and tried to dismiss it. Thet, in the middle of litigation XXXX XXXX sold my mortgage to SPS, inc. ( Select Portfolio Servicing ), which repeats the lies of XXXX XXXX XXXX, by saying that I paid only 3 months of TPP ( trial period payments ) and XXXX XXXX XXXX did not approve the modification. Both of them are disregarding my 17 months of payments, by mentioning only 3 of them!!! They lie in Federal and State Court rooms, under the oats they take! This is a capitol offence and forgery all in one! 
I want the truth to win over the lies of these mortgage holders! I am defending not the walls of my property, but my dignity and my right to defend myself against any crooked bank or organization, that ruined 10 years of my life and made me XXXX XXXX XXXX XXXX and very XXXX   person. They took me from enjoying my family and my children for 10 years and still doing this up untill today. In fact, tomorrow SPS, inc will attempt another foreclosure of my property. I will be fighting against this once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is an addendum to my last complaint filed earlier today. I just checked my mortgage account with BMO Harris, and have seen that they have apparently double disbursed my escrow refund just yesterday. This brings up 2 concerns. FIrst I was assured on XXXX that the check was sent on XXXX. Second since they have disbursed the escrow 2 times, I do not want an escrow shortage on my account. I have attached a screenshot showing the history and double disbursement.

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 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
The week of XX/XX/XXXX I canceled a recurring series of payments scheduled to be paid on the XXXX of every month because I knew that I would not have enough money in my account until my paycheck was deposited on Friday XX/XX/XXXX. I thought that this would be sufficient time to cancel the payment as I have done this before without any issue. I verified that the payment was canceled and it was removed from my upcoming/scheduled payments listed in the online portal. No payment for XX/XX/XXXX was listed. I then scheduled an one time payment for XX/XX/XXXX to the same payee. 
On XX/XX/XXXX, the payment was made anyway which resulted in my account becoming overdrawn and an NSF charge for " NSF/Returned Items Paid ''. 

On XX/XX/XXXX, I noticed this and called the credit union for support, In addition to this payment I had another payment for the same payee scheduled to come out on XX/XX/XXXX. The credit union admitted fault, put a courtesy stop payment on the XX/XX/XXXX payment, and reversed the NSF fee as " Reversal : Reversed Paid Insufficient Fee Paid reversed 1 NSF fee of XXXX per CU error billpay '' Later on XX/XX/XXXX, two previously scheduled ACH transfers came out of my account. The credit union charged me two more NSF fees " NSF/Returned Items Paid ''. 

On XX/XX/XXXX I contacted the credit union through online messaging and asked that they reverse the two additional NSF fees which were due to the same error they had already admitted fault on. 
On XX/XX/XXXX, the credit union responded that they would not reverse the fees. I replied with additional information on the history of what happened. 
On XX/XX/XXXX, the credit union responded that they did not see this as a credit union error. and advised me to call the credit union. 

On XX/XX/XXXX, I called the credit union and explained the situation. The representative told me that they needed to send it to a manager to review and that they would call me back the same day. I did not receive a call back. 

On XX/XX/XXXX, I called the credit union again and was transferred to a call center supervisor. The supervisor told me that he would not reverse the NSF fees because it was not a credit union error. I explained that the credit union had already previously admitted to the error and reversed the charges, but that these two additional charges posted later on the same day the first fee was reversed ( XX/XX/XXXX ). They are now saying this was not a credit union error, and refusing to reverse the additional two NSF fees

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation