vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Performant Financial Corporation
State: IL

Complaint narrative:
On XX/XX/2017, Premiere Credit of North America LLC took {$5200.00} from my XXXX bank account on XX/XX/2017 without ANY notification ever based on warrant  XXXX. After protesting the collection to Indiana Department of Revenue, the warrant was made by error and has been expunged. Indiana Department of Revenue has refunded me with {$4100.00} for wrongly collected tax and interest but Premiere Credit of North America LLC refused to refund the collection fee with {$1200.00} and hung up when I called them for solution. Plus, the Indiana Department of Revenue made it very clear that the collection fee has been paid to Premiere Credit of North America LLC and I have to contact the company for refund.

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 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
I transferred funds from my personal checking to another personal checking on XX/XX/19. This caused my account to become a {$0.00} balance ( not negative ). On my XX/XX/2019 statement, First Citizens stated that I had 30 days to make a deposit to my account or it would be closed. OnXX/XX/19, I transferred {$50.00} from my personal checking to the checking account I transferred from onXX/XX/19. On XX/XX/19, First Citizens closed my account anyways. I contacted customer service first through the phone and they told me which branch closed my account and told me that I would have to speak with the branch. I went to the XXXX Branch because it was closer to my home and spoke with associate XXXX. She stated that my personal checking account was closed because I had not made a deposit since XX/XX/19, I told her that was not true and mention the transfer that I did. She searched for the transaction and stated that she did not find where I had made a transfer. I pulled up my bank statement and showed her where the transfer was perform onXX/XX/19 and she stated that I would need to speak with Mobile Banking to find out where my transferred funds were because the system does not have record of a transfer, which is probably why my account was closed for failure to make a deposit. She printed my statement and gave me the number to Mobile Banking. I called mobile bank and they initially could not find my transferred funds, but after an hour on hold and going back and forth, they found my transferred funds and stated that it would be put back onXX/XX/19, into the account I originally transferred from. I asked the mobile banking rep, why was my account closed when on my statement it says I had 30 days to make a deposit. He stated that 30 days started when I made the transfer on XX/XX/19, I asked him to email me the disclosure or account agreement that stated this, and he stated that it was on the bottom of my statement, I viewed the print off of the statement from the branch, and it does not specify from the transfer date or statement date, but I assumed that since it was on the bottom of theXX/XX/19 statement, that I had 30 days from that statement date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
This company " XXXX XXXX Asset Solutions LLC '' or "  XXXX Asset Solutions LLC '' has been calling me for months trying to collect a debt from an estranged in-law that I don't even speak to and haven't spoken to in 8 years. When they first called and asked me if I know this individual I asked them who they were and they said a debt collection agency and I told them to not call my phone again. They continued to call and leave messages and I would block each number. I called them back and told the employee to take my number out of their system because I do not owe any debt and I don't know the person they're trying to contact. They called me back today from the number XXXX and told me to call them back at XXXX. 

I don't know if this is a scam or a legit company but they're harassing me. I do not owe them money. I have absolutely no debt and I'm not responsible for an estranged family members business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: AL

Complaint narrative:
I RECEIVED AN ALERT ON MY XXXX ACCT. 
THE PERFECTION COLLLECTION LL HAS REPORTED A COLLECTION TO ALL 3 CREDIT BUREAUS. REPORTING A BALNCE OF XXXX. THIS IS INCACCURATE. 
I WAS NEVER CONTACTED BY PHONE OR MAIL. 
I CURRENTLY HAVE AN ACCT WITH VIVINT, THAT IS SET UP ON AUTO DFAFT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
on XX/XX/2019 phh mortgage company took a XXXX payment out of my account after I had sent a XXXX amount as needed for my monthly payment. since they took over in XX/XX/XXXXfrom ocwen which I had a bank draft of XXXX  due on the XXXX of each month. when I saw it had not been taken out I did so. but so did they so it over drafted my account over XXXX dollars. on the 1XX/XX/XXXX I called to have them fix this issue and was told it take 7 working days so nothing so again on XX/XX/XXXX I called was on line 45 minutes waiting to talk to someone they told me it be done asap and so again I waited a few days later I get a letter from them letting me know again 7 working days so even with the fact I had to borrow money to cover bills. then on XX/XX/2019 they took another XXXX out of my account. so I called and asked where was my money and again I'm given it was a miscode and it will be handled asap I've spent over 3 hours waiting or talking on the phone and as of this letter XX/XX/2019 I have no money in bank I'm also XXXX out in overdraft fees due to there mistakes and failure to refund my money. I understand folks make mistakes however how long does it take to fix this?????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MT

Complaint narrative:
This is the THIRD hack on my credit card at this company since XXXX and each hack gets more aggressive. In this instance, I got an email informing me my username had been changed. My credit card was charged {$630.00} for an online purchase at XXXX ( XXXX XXXX ) on XX/XX/XXXX and XXXX award points were used to purchase air travel ticket ( s ). 

Credit card company immediately resolved all issues.

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 2019-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I am enrolled with XXXX XXXX through My Fed Loan to get the .25 % interest rate deduction. The frequency of my paychecks have changed, and occasionally my paychecks come sooner than my loan due date, so I often like to pay early, and I always pay more than the amount due. I called Fed Loan to ask if I could temporarily suspend my direct debit, and asked if the interest rate would increase if I proceeded with this change. On the phone, I was told that the interest rate would not increase for a temporary suspension. On the Fed Loan website, there is no information stating that the interest rate would increase in the event of temporary direct debit suspension. I checked under direct debit FAQs and other parts of the Fed Loan website. Today I logged in, and my interest rate has increased .25 %. I called Fed Loan today and they confirmed that my interest rate will increase .25 % temporarily, until my next due date. If this is the policy of Fed Loan, this policy needs to be clearly stated on their website for consumers to be informed when they are making decisions about how to repay their loans. Their customer services agents also need to be better informed and give out correct information to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I was recently sued by Portfolio Recovery Associates for a credit card debt but I informed them that I was unable to come to court due to the fact that I couldnt risk leaving my elderly mother alone because of her late-stage XXXX and other health issues and that I was willing to settle the debt before the court date of XX/XX/XXXX in exchange that they would cancel all collections activities which includes dropping the lawsuit against me. They agreed to cancel all collections activity on this very same online website a month ago, but they have not honored our agreement. The courts still made a judgment against me due to the fact that I didnt appear in court. The courts may very well arrest me because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
XXXX issued a two party check to my ( estranged ) XXXX AND myself. He endorsed the check, and Suntrust deposited it into his personal account, without my signature, or identification. I've talked to Suntrust twice, and am getting the run around and what it comes down to, is them telling me I can go small claims court. I'd like the bank held accountable for not following regulations, and would like the funds put on hold.

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 2019-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I was brainwashed and scammed by a con artist who I met on XXXX. He entangled me in a money exchange scheme with my XXXX and Navy Federal accounts. He talked with me everyday for 1 1/2 years then got me to wire him money and also lied about money he transferred on my credit card. It ultimately cost me ~ {$41.00}, XXXX dollars and I had to file bankruptcy XXXX of 2017. 
I now have a potential for fraud risk notation on my consumer report. I filed a police report and had to subsequently file bankruptcy. This has devastated me financially and emotionally. I never thought a person would be bold enough to scam or be dishonest on a military account. I feel stupid, ashamed and guilt. I have never committed fraud and was scammed out of my financial future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i am sorry to use cfpb for this. i want value my relationship with chase. i received 2 notices recently indicating perhaps there is a change with apr in my cards. i hope not. I called and could not get a straight answer they should not be more than 17 percent apr and typically i dont pay interest but i need this clarified. Also i am asking for a favor i had to buy another car on card ending XXXX  i chose my cchase cards i could have chosen any pleasse note i will ask for my interest back. this would mean a lot. it will take me a while to pay it. just due to hard times. thank you and please clarify the aprs on all my cards they did not go up please i am unclear. thank you for valuing me as i do you also have been unable to sign up at credit journey as well

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of last year XXXX XXXX XXXX posted a debt to my credit file of more than {$6000.00}. I never agreed to or signed anything accepting this debt. I disputed the debt the correct legal way with XXXX XXXX XXXX who could not validate the debt but instead sent me a letter saying they would remove the entries from all three major credit reporting services. I then sent the letter from XXXX XXXX XXXX along with a demand to remove to all three credit bureaus and all three refused to remove this debt from my file and it is still there. I am demanding all entries related to XXXX XXXX XXXX or XXXX XXXX be permanently removed from all three major credit reporting services immediately. I do not owe this debt. Also, this company is under investigation from the Texas Attorney General 's Office. I have tried numerous times with Equifax, XXXX and XXXX to get this line item removed and they will not take it off. When I was sent the approval letter for XXXX XXXX XXXX, I was only approved for {$3000.00} so how in the world is there a debt of over {$6000.00} on my credit report?! XXXX XXXX XXXX nor XXXX XXXX were able to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am so sick of this. There is an account with XXXX XXXX XXXX XXXX that I have been fighting with for some time now. They are listing two accounts which is not correct to start with because there was not agreement signed for this second loan. What they did is reporting past due payments as an entirely new account and still reported the late payments on the initial agreement. To make a long story short, they notified us that the collateral was being auctioned when we thought it was being paid by the insurance company. As soon as we were notified we paid the amount in full. TransUnion is the only one reporting this false account and not just the fact there was not an agreement for this to be showing as an account but also the fact THERE IS NO MONEY DUE. Also with the initial account this thing shows it opened XX/XX/XXXX and using the correct statue date that would mean the initial account payment history would have shown the account 30 days late XX/XX/XXXX therefore also making it past the statue. So TransUnion has violated, the FCRA by reporting a false account, an incorrect balance and PAST THE STATUE of limitations.

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 2019-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
We used PayPal to purchase a puppy from out of state on XX/XX/2019. After attempts to get tracking information the individual XXXX XXXX XXXX did not respond to any email, phone, or text. When we asked to cancel the transaction on XXXX he said he would have the money back to us by XXXX that evening ... this hasn't happened. We have tried to resolve through PayPal which was denied and currently through our bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: MO

Complaint narrative:
I have a credit score around 700 I have 0 % debt ratio utilization I have {$12000.00} monthly income There is no way I should have been denied a car loan with 2 paid off vehicles showing and never being late 1x.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Bank sent a letter about increased monthly payment due to escrow adjustment. Letter wasn't delivered. So the difference from old payment to new payment was {$58.00} more and that amount was 9 days late. For this lateness they charged {$45.00} or 77 % of the late amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am refinancing my loan with TIAA Bank. They have had the loan for 15 years and I am just looking for a rate and term refi. In the 15 years I never had a late payment. 

The appraisal came in and I have a 60 % LTV, and a DTI of 30 %. They have taken about {$900.00} for fees and seems to have done everything they just keep stalling closing -- and they don't explain or respond to any emails. 

This feels like a scam to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
ACCTCORP OF SOUTHERN keep reporting me as owing funds to the XXXX XXXX  XXXX which the prior manager took and was fired. I have already reported this over and over. that funds were paid to the prior manager who was fired.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent XXXX and XXXX a personal information update on XX/XX/2019, and they have yet to update and correct my personal information. All of my information is the same and have never been updated as requested.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of last year XXXX XXXX XXXX posted a debt to my credit file of more than {$6000.00}. I never agreed to or signed anything accepting this debt. I disputed the debt the correct legal way with XXXX XXXX XXXX who could not validate the debt but instead sent me a letter saying they would remove the entries from all three major credit reporting services. I then sent the letter from XXXX XXXX XXXX along with a demand to remove to all three credit bureaus and all three refused to remove this debt from my file and it is still there. I am demanding all entries related to XXXX XXXX XXXX or XXXX XXXX be permanently removed from all three major credit reporting services immediately. I do not owe this debt. Also, this company is under investigation from the Texas Attorney General 's Office. I have tried numerous times with XXXX, Transunion and XXXX to get this line item removed and they will not take it off. When I was sent the approval letter for XXXX XXXX XXXX, I was only approved for {$3000.00} so how in the world is there a debt of over {$6000.00} on my credit report?! XXXX XXXX XXXX nor XXXX XXXX were able to validate this debt.

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 2019-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
LoanCare , LLC, who acquired my mortgage servicing rights a number of months ago, has refused to credit additional monthly payments to principal, in spite of my repeated calls and instructions in writing via email. I have even called them in advance of submitting the payments, and have been told " my account will be noted to ensure proper crediting of the additional amounts paid. '' When you review the attached payment history, you can easily see the problem, and the fact that they have again made an error in crediting additional funds from the XX/XX/XXXX payment to future payments, instead of to principal.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc.
State: NV

Complaint narrative:
PROGRESSIVE MGMT systems has yet to remove two medical accounts from University XXXX XXXX which is XXXX years old and was the insurance XXXX responsibility to pay and neither progressive mgmt nor XXXX showed XXXX or me how they arrived to the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation