vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: TN

Complaint narrative:
Received denial letter for modification request from my server BSI. The letter stated I had insufficient income. My income is substantial to make the mortgage payments on my property. I was also previously denied a modification review because the Relationship Manager stated they showed in their records I had filed bankruptcy. I have not filed bankruptcy and BSI has incorrect information. BSI is difficult to work with and I'm requesting they review my request for mortgage assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: OK

Complaint narrative:
I have two mortgage on my home. This is a email message that I got on XX/XX/XXXX. : " IT APPEARS THAT XXXX XXXX XXXX XXXX, FILED THE CLIENTS CURRENT MORTGAGE TWICE IN ERROR. BOTH LIENS ARE THE SAME EXACT AMOUNT AND FILED THE SAME DAY DOC NO. XXXX & DOC NO. XXXX '' I called my current mortgage company, Flagstar, and ask them to please take care of it. They told me that they do not take care of problems like this. So I called the to other mortgage companies that had my mortgage and they said I had to contact my current mortgage company. After a few weeks of working to found who is responsible, it was Flagstar. With the help of XXXX XXXX of XXXX XXXX, XXXX. I filled out a request to have one of the loans removed. Flagstar asked us to wait for two weeks to get the release. XXXX called Flagstar to fine out why they haven't sent the paperwork yet after two weeks and Flagstar told her they needed one of  they forms fill out before they could do anything! ( XX/XX/XXXX ) I was told I would get the release on the XXXX, XXXX or XXXX of XX/XX/XXXX.I call in each and every day to get the paperwork set to me. On the XXXX I was told that it had to go to XXXX XXXX   for it to be release. I ask for a supervisor so I could hopefully get some one to help me with getting the paperwork that I needed. They sent me to XXXX XXXX. He told me that he would look into it and have my paperwork by XX/XX/XXXX or he would give me a call. He didn't give me a call and I had no paperwork stating that one of the loans were closed. I called in on XX/XX/XXXX and XX/XX/XXXX for the paperwork. Now they are telling me that it is in the legal department and will stay there until they are done with it. For some reason they have alienated in helping me with this and I fill like Flagstar is discriminating against for only reasons they know. I need help in getting Flagstar to do their due diligence for their only client. Right now they are costing me money in time, interest and stress.

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 2020-01-07 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: NC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX MEMBER SINCE XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I paid in full, the medical debt that I owed to the collections company Transworld Systems Inc. After I paid in full, the collections agent proceeded to tell me that they " report regularly '' to the credit bureau . I then asked what reporting regularly meant and I was told " we can not give you any kind of time frame ''. I told them I simply wanted to know what their business practice is and if regularly, meant reporting on a monthly basis or every few months and they continued to respond with " we report regularly and we can not give you any kind of time frame ''. I was also told that even though I paid in full, they will not remove the collection from my record. I am lead to believe that as a consumer, if you try and settle your debt and even pay in full to a collections company you have no guarantee that the collections will be removed from my credit and no guarantee of when it will be reported that it is settled and in good standing. Is it legal for a collections business to collect money from me and then withhold information regarding when they will report my collections paid in full to the credit bureaus? This is extremely frustrating as I gave them my money and attempted to settle a MEDICAL debt so that I could attempt to improve my credit and qualify for an auto loan to purchase a vehicle. I was not told until after they collected the money that there is no guarantee of when they will report it to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Have no legal or binding contracts or accounts with company with acct : XXXX or any other accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Been faxing paperwork, my cousin helped me fill out! 8th time on phone, called XX/XX/XXXX had to give information over phone, said approved fax papework which i had already, then send package going out, ( SEE PROOF ) then on XX/XX/XXXX was a sale!!!!!!!!!!!! IS AN FHA LOAN! I did what i was supposed to, now called today XX/XX/XXXX said denied due to sale  PENNY MAC IS A LIAR been faxing paperwork!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: Real Time Group, Inc.
State: CA

Complaint narrative:
I was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I have been receiving notices from a Collection Agency ( Real Time Solutions ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to XXXX ( XXXX XXXX XXXX XXXX ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX '' not XXXX. I have been told that XXXX  has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
I refinanced my student loans with College Ave Student Loan Servicing in XXXX. The account was paid off in excess of $ XXXX dollar on XX/XX/XXXX. When I called to inquire about when I could expect a refund for my over payment, I was told it would be no longer than 45-60 days after the payment was received. 

As it's now over 60 days past their acceptance of the payment I called to inquire about my refund to be told that I was given the wrong information and it's actually 45-60 working days before a refund is provided. When I asked for them to show me where that notification is posted on their website, or on the e-letter I received indicating my loan balance had been paid off in full they could not provide me with any written proof of this being their policy. 

Furthermore, they are now saying since their own internal refund department did not receive notification of the payoff until XX/XX/XXXX, it would be 60 working days from that date before the refund is issued. 

This is a complete scam. Who knows how much floating capital they are collecting interest on while borrowers are waiting for their money. This is an illegal practice, and also somewhat ironic as I can only imagine what kind of debt collection XXXX they would put someone through who was 60 days late of providing them with their required loan payment. 

This company is dishonest, DO NOT trust them with your loans.

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 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Using Equifax website and phone line both, I was unable to lift credit freezes for myself and for my wife. When I finally reached an agent some 25 minutes later, I was told their website was being updated. AT XXXX, MST time, I really doubt this. 

I finally got my credit lift squared away. My wife is not home yet so we can not complete the process and we need to do this quickly. 

WHY IS THE GOVERNMENT ALLOWING THIS COMPANY TO CONTINUE WITH PROBLEMS LIKE THESE?? 

IF THEIR WEBSITE IS BEING UPDATED, THEY CAN CERTAINLY LIST IT ON THE SITE AT THAT TIME AND SAVE CONSUMERS ALL THE HASSLES OF TRYING TO COMMUNICATE WITH THEM. 

I HOPE SOMEONE CARES ABOUT THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: NJ

Complaint narrative:
As documented in the attached correspondence, I have spent a great deal of time and effort trying to correct a billing error with XXXX XXXX XXXX. 

When CMRE first contacted me about this alleged debt, I sent them a detailed message explaining why I contested that I owe XXXX XXXX XXXX any money, including proving CMRE with both the proper billing code that should have been used and the improper code used. CMRE completely ignored my letter, and continued to try to collect this debt. Not only did CMRE call me, but they sent me letters threatening to report this debt to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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 recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-01-07 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 recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/XXXX, I went to an ATM in XXXX XXXX XXXX XXXX, XXXX to withdraw money using ATM/debit card. I received my money, and a card was returned to me, which I placed in my wallet, and did not use again. On XX/XX/XXXX, I received a text from Bank of America ( BoA ) asking if I had made a certain purchase. I replied that I had not. I then looked in my wallet for my ATM/debit card, and discovered the card I had received back was not mine. I then went online and reported my card missing. The BoA fraud department contacted me the next day, and told me my card had been used over the past several days to make thousands of dollars in purchases. The amount of fraudulent purchases totaled {$5000.00}. BoA told me it would start an investigation. 

On XX/XX/XXXX, I received a letter from BoA stating it had credited my account {$3600.00} while it researched my claim ( Claim Number XXXX ). I simultaneously received a second letter stating that BoA had completed its research and closed the claim. The letter stated Our records show the transaction activity in question was authorized and posted correctly to your account. BoA debited the {$3600.00} credit from my account on XX/XX/XXXX. 

On XX/XX/XXXX, I called BoA to protest the clearly erroneous decision. I was told that it would escalate my claim and would take 45 to 90 days to reach a decision. BoA has refused to provisionally credit my account and provide me full use of the funds, as is required by Regulation E. Furthermore, BoAs decision that the transaction activity in question was authorized is clearly wrong, inasmuch as the transactions in questions all occurred after my card had been stolen. BoA failed in its obligation to monitor my account for fraudulent activity. The person who stole my card purchased $ {$2100.00} worth of sunglasses from several XXXX XXXX on XX/XX/XXXX, and XXXX, clearly suspicious activity that should have prompted BoA to contact me and inquire if I had made those purchases. In addition, BoA should have realized that it is extremely rare that I ever use my ATM/debit card to make purchases. 

Pursuant to Regulation E, because I reported my card stolen within a few hours of learning that fact, I should be liable for no more than {$50.00}. In addition, because VISA has a zero liability policy, pursuant to Regulation E, I should have no liability.

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 2020-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, PayPal permanently limited my account, my wife 's personal account and my personal account for non-fraudulent violations of their Acceptable Use Policy. Furthermore, they stated that they would be holding my entire balance of {$280.00} for 180 days to cover refunds and potential chargebacks. 

For the entire calendar year of XXXX, I had a total of {$0.00} in refunds. I had {$0.00} in charge-backs ( see the attached report from my PayPal account ). 

It may be fair for them to offer me services, but all of my payments were for services and not for products sold. I don't have PayPal set up on any website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
In XX/XX/2018, I decided to take my car to a TitleMax close to my house for some extra cash that I needed at the moment. They offer a {$1000.00} cash for the title and offered a monthly payment to settle the amount. After 14 payments of {$120.00} my account balance is {$1000.00}. I called the company to find out how was this even possible and they proceed to say that I need to pay more than the minimum or the full balance because so far I only payed interest, that appears to be 130 % of the total amount ; however, this wasn't mention to me at the time of the loan. I tried to contact the resolution center and the management of the company with no success so far, I go to the store and they dismiss me telling they will call me and I'm still waiting for a call, and if I call nobody is available to take my call. I feel this is a very unfair practice that take advantage of those in need, and I know a loan will have some interest but over a 100 %? Really? Paying {$1700.00} and my account reflecting more than what I borrowed, is plain abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I had 2 credit cards with Bank of America. I wanted to close one that I shared with my son. On XX/XX/2019 I called to close this account. The person I spoke to also tried to sell me a card with more points for travel which I declined. I was very clear on which account I wanted closed. 

I found out later that the person I spoke to closed the wrong account. I called Bank of America on XX/XX/XXXX and was told that they will reopen my credit card and it will take 2-3 business days for it to be reinstated. On XX/XX/XXXX I called again because I received a notice that BofA did a credit check on me. I spoke to a manager. He said he was filing a complaint to find out what happened. He assured me that I would not lose my XXXX points and it would take up to 10 days to reinstate my card. 

I believe the person I talked to did this on purpose because I did not accept the travel card. 

I received a letter dated XX/XX/XXXX that my card could not be reinstated because the terms for this account are no longer available. 

I am losing my credit card due to an error at Bank of America. 
I'm losing the excellent rate on a card that I've used for many years ( approximately 9 % ). 
This is impacting my credit score. 
I'm losing 41,000 points

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 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Ive gone ahead and Disputed 3 times with american express serve 4 transactions made in XXXX. Ive even summit ed a police report. They have denied my claim all 3 times and with the last claim denial they close my account stating that I was in violation of member agreement 15 D.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
i have notified EXETER finance on several occasion that the account does not belong to me and its fraud on my account, which they have chosen not to remove from my credit report. its in charge of status on my credit report and the past due amount is {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: VA

Complaint narrative:
I was contacted by Credit Control on a date that I cant remember at worked and asked them not to contact me at work and gave them an alternate number and time to call back at. I went on vacation at work and they continued to call my office and others at my office and talked to them about my debt when they could not get a hold of me. Then the contacted me when I returned to work on XX/XX/2020 at XXXX and I spoke with a XXXX who again called someone else at my office first before being transferred to me. They do should not have a main office, as if they have a line it should only be my direct desk line. I asked her to please stop calling my office. I tried to not have a conversation with her as i work in a cubicle and all of my coworkers can hear the conversation, but she pushed me to speak her. I am humiliated because now because of this company my direct co workers and co workers outside of my department now know about my debt. Then today XX/XX/2020 at XXXX XXXX from Credit Control calls again after i asked to have this number removed again! He states that there were notes placed on the account from the call yesterday. Again I am utterly embarrassed. I have to go through the same process today as i went through yesterday, but I am even more upset because fair debt collection laws are being broken!!!!

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 2020-01-07 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: NC

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX MEMBER SINCE XX/XX/XXXX.

Company response to consumer: Closed with explanation