vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I had a mortgage with XXXX. XXXX is in bankruptcy, and my mortgage payments were set to Auto-Pay through my bank 's ( checking account ) bill pay service automatically remitted to XXXX loan account. These payments continued to be made. After return from vacation I find a statement from XXXX  in my XXXX XXXX , stating that I owe an outrageous amount for non-payment of mortgage for 3 months ( {$1300.00} ) where monthly payments with prior company XXXX were {$450.00}. I never received anything from XXXX, and I never received anything from XXXX XXXX that my account is being transferred or who to contact, where to make payment etc .... All I have is a single piece of mail from XXXX XXXX with a payment slip for {$1300.00} ( versus my monthly fixed amount {$450.00} ). 
As per my understanding of requirements during mortgage service transfer ( 12 CFR 1024.33 ) - 1 - The old company XXXX XXXX - i.e. Transferor of service ) was required to send me a Notice of Transfer no less than 30 days before effective date of the transfer of servicing of the mortgage. 
- 2 - The new company ( XXXX XXXX - i.e. Transferee of service ) shall provide the borrower notice no more than 30 days after effective date of transfer. 
- 3 - Notice of transfer shall include : ( i ) effective date of transfer ; ( ii ) name, address, and collect or toll-free telephone number of employee or department of the TRANSFEREE of service so that the borrower can obtain answers related to servicing transfer ; ( iii ) name, address, and collect or toll-free telephone number of employee or department of the TRANSFEROR of service so that the borrower can obtain answers related to servicing transfer ; ( iv ) date on which the TRANSFEROR will cease to accept payments and on which TRANSFEREE will begin accepting payments ; ( v ) Whether the transfer will affect terms, and any actions the borrower must take ; ( vi ) statement that the transfer of servicing does not affect any term or condition of the mortgage loan. 

NONE OF THE ABOVE 3 points and sub-points were completed by either XXXX or XXXX XXXX. All I receive is a slip to pay to XXXX 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 2019-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: GREAT LAKES
State: CA

Complaint narrative:
Loan Open Date : XX/XX/2009 Loan Amount : {$8300.00} As a recent XXXX XXXX XXXX, I was not sure what I wanted to do with my life. I decided to go to XXXX XXXX for information about the programs they offered. Their commercials drew me in because they mentioned they had a high rate of obtaining employment after graduation. Their sales/recruiters were super friendly and pushy. I only went for information ; however, they did not let me leave until I signed up for one of their programs. 

I was young and nave. I was also at a point where I wasnt sure what I wanted to do with my life, and I felt that they were leading me in the right direction. I told them I was interested in Technology or Computer Science a
nd they advised me to pursue a degree in Computer Drafting and Design. At first, I told them I didnt know anything about that program, and I wasnt comfortable about pursuing a career in that field. They assured me it was similar to what I wanted to do. I took their word for it and enrolled in that program. I attended for about a year and the program was not what I was told it would be. I met with a counselor and she changed me to another program, however, I enrolled halfway through the course and could not catch up. I didnt want to quit especially after taking out an {$8000.00} loan but I had no choice. I felt that I was set up for failure. As a result, I went into a deep XXXX and contemplated XXXX. 
Its not fair that 10 years later, I am still paying for something that I felt forced into and for a school that is obsolete and has no credibility. I cant say I am shocked to see that school close down because their sales tactics were misleading and deceptive. They also tricked many people into taking out high-cost loans without understanding the terms and conditions for paying them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Home Depot credit card offered by Citi Bank advertise a promotion of 6 months interest free on balances but when promotion expired company charged deferred interest to my account. Large lump-sum interest was added to my account. This practice should be illegal. How are they allowed to do this after what happened with the financial market back in 2009?

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 2019-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have repeatedly emailed PayPal concerning an unauthorized transaction made to my credit card and Ive not heard back from them as of todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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.

Complaint narrative:
I HAVE BEEN IN CONTACT WITH EQUIFAX FOR THE LAST YEAR OR SO ABOUT THESE FRAUD ACCOUNTS AND THEY STATE THEY WILL DO A INVESTIGATION AND THEN THEY RETURN WITH THE ACCOUNT IS MINES, HOW CAN A ACCOUNT BE MINES WHEN I SUBMITTED VERIFCATION OF MY ADDRESS FOR THE LAST FIVE YEARS IN XXXX, AND THE ACCOUNTS MAILING ADDRES WAS XXXX. I HAVE SUBMITTED POLICE REPORTS SIGNED DOCUMENTATION WITH MY SIGNUTURE IN FRONT OF A NOTARY.I HAVE BEEN GETTING NO WHERE WITH THEIR COMPANY THEN THEY SAID I WAS BEING HANDLED BY THE SPECIAL INVESTIAGATION TEAM AND THATS XXXX BECAUSE THEY DID NOTHING DIFFERENT THAN BEFORE. I HAVE BEEN DISPUTING THE SAME ACCOUNTS FOR MONTHS AND ITS BECOME UNBEARABLE THAT THEY HAVENT CORRECTED THE ERROR. XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX XXXX ALL ARE FRAUD ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2019, I opened a checking account on Fifth Third Bank using a promotion code I received from the bank on my email. 

This account was opened in the branch located at XXXX XXXX XXXX, XXXX IL  XXXX. 

The personal banker that assisted my was XXXX XXXX. 

The promo code I used has the following description : " {$250.00} Cash Bonus Offer : To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. '' I provided this code to the personal banker that opened my account. 

On XX/XX/2019, I reached a balance of more than {$500.00}, which is one of the requirements for the promo code. Also, I maintained a balance of more than {$500.00} for the 60 following days.

According to the mail I received from the bank, I should have received the bonus by now.

I have called the consumer support team of my bank, but they havent been able to solve my complaint. I have also tried calling directly to the branch where I opened my account as well as the personal banker that assisted me to open the account, but haven't got any answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-22 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.

Complaint narrative:
I HAVE BEEN IN CONTACT WITH XXXX  FOR THE LAST YEAR OR SO ABOUT THESE FRAUD ACCOUNTS AND THEY STATE THEY WILL DO A INVESTIGATION AND THEN THEY RETURN WITH THE ACCOUNT IS MINES, HOW CAN A ACCOUNT BE MINES WHEN I SUBMITTED VERIFCATION OF MY ADDRESS FOR THE LAST FIVE YEARS IN CA, AND THE ACCOUNTS MAILING ADDRES WAS GA. I HAVE SUBMITTED POLICE REPORTS SIGNED DOCUMENTATION WITH MY SIGNUTURE IN FRONT OF A NOTARY.I HAVE BEEN GETTING NO WHERE WITH THEIR COMPANY THEN THEY SAID I WAS BEING HANDLED BY THE SPECIAL INVESTIAGATION TEAM AND THATS XXXX BECAUSE THEY DID NOTHING DIFFERENT THAN BEFORE. I HAVE BEEN DISPUTING THE SAME ACCOUNTS FOR MONTHS AND ITS BECOME UNBEARABLE THAT THEY HAVENT CORRECTED THE ERROR. XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX XXXX ALL ARE FRAUD ACCOUNTS

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 2019-07-22 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.

Complaint narrative:
I HAVE BEEN IN CONTACT WITH XXXX FOR THE LAST YEAR OR SO ABOUT THESE FRAUD ACCOUNTS AND THEY STATE THEY WILL DO A INVESTIGATION AND THEN THEY RETURN WITH THE ACCOUNT IS MINES, HOW CAN A ACCOUNT BE MINES WHEN I SUBMITTED VERIFCATION OF MY ADDRESS FOR THE LAST FIVE YEARS IN XXXX, AND THE ACCOUNTS MAILING ADDRES WAS XXXX. I HAVE SUBMITTED POLICE REPORTS SIGNED DOCUMENTATION WITH MY SIGNUTURE IN FRONT OF A NOTARY.I HAVE BEEN GETTING NO WHERE WITH THEIR COMPANY THEN THEY SAID I WAS BEING HANDLED BY THE SPECIAL INVESTIAGATION TEAM AND THATS XXXX BECAUSE THEY DID NOTHING DIFFERENT THAN BEFORE. I HAVE BEEN DISPUTING THE SAME ACCOUNTS FOR MONTHS AND ITS BECOME UNBEARABLE THAT THEY HAVENT CORRECTED THE ERROR. XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX XXXX  ALL ARE FRAUD ACCOUNTS

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 2019-07-22 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: WA

Complaint narrative:
I have a XXXX XXXX credit card currently in use with a limit of over {$1700.00} and one that closed with only an approximate {$400.00} limit. The open one was almost maxed out so I paid down all but about {$200.00} of it. Transunion was not reporting the pay off of the credit card so I filed a dispute, asking them to update the balance on the card. It was stating I was at 93 % of my credit usage when it should have been more like 10 %. Once the dispute was completed, Transunion reported the account as closed, dropping my credit score over 80 points. I have tried going to their website and requesting an investigation, but the account is not appearing on my credit report. My wife and I are trying to apply for a mortgage before XXXX of this year, which is why we paid a chunk toward the credit card in an attempt to raise our scores. Please help ASAP.

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 2019-07-22 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: TX

Complaint narrative:
My SSN was hacked due to Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I notified regions bank of multiple fraud charges on my account and they denied them stating that too much time had passed since the charge took place. I have been told that there is no time limit to report fraud charges on my account. below are the charges and dates that I reported to regions bank on my credit card. 

date merchant amount XX/XX/2016 XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX    XXXX I do not have a letter from them about this because even though they said they sent one out, I never received it in the mail. I believe them denying my claim is against the regulations set in the fair credit act and they have clearly and knowingly broken the rules and regulations set in order to avoid refunding my fraudulent charges.

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 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: OK

Complaint narrative:
I sent a certified investigation letter to XXXX XXXX on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt. 

XX/XX/XXXX XXXX sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}. 

XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to XXXX XXXX stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information. 

XX/XX/XXXX I receive a letter from ERC stating XXXX XXXX , XXXX has placed your previously disputed account with ERC. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}. 

XX/XX/XXXX I receive a letter from XXXX XXXX stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NY

Complaint narrative:
I am currently enlisted in the PSLF/IBR program. Because the loan has been transferred among different federal providers they will not give me an accurate amount of payments received by them towards my repayment. Each call I give to company tells me they are months behind and no timeline for actual accurate count of months I have paid. Without telling me if I am still enrolled in the program I am unfairly paying higher interest rates with federal program instead of switching to a private lender. They are charging me interest for the loan however not responding to questions I need to make a fair decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XX/XX/XXXX ( per PayPal ) someone using my identity created an account online as a seller with PayPal. Apparently item ( s ) were sold and then a " charge back '' was initiated by a customer. It appears PayPal paid that individual {$100.00} and charged it to this fraudulent account. Since the fraudster did not pay them they put this into collections with XXXX. I had disputed this to PayPal and they denied my dispute, without explanation. 
In XXXX, I received the first notice from XXXX that this debt was in collections. I contacted XXXX XXXX, a service that was first provided to me as a result of the XXXX breach in XXXX. Together we contacted both XXXX and PayPal to explain this was fraud. We were advised to proved XXXX with a police report and FTC Identity Theft Report as proof of identify theft. That was sent to XXXX on XX/XX/XXXX. On XX/XX/XXXX I received the response from XXXX. Letter was dated XX/XX/XXXX and stated that PayPal has rejected my dispute again. They did not disclose any reason why it was denied this second time either. 
Conversations with PayPal have been a series of transferred calls and no communication as to why they have determined this fraudulently opened account was a valid account. 
One day after receiving the response from XXXX on XX/XX/XXXX ; a representative from XXXX was already calling me and asking me when I am going to do to settle the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
CALIBER HOME LOANS XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA Account was paid off and sold to another lender it ; s still reporting negative on my account it was disputed with the lender to remove and why it was paid late due to hurricane season and My sister passing of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: NJ

Complaint narrative:
In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from XXXX XXXX through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: MI

Complaint narrative:
For XXXX XXXX on my Transunion report of being late on a payment. The account was paid in XXXX  before the next billing cycle. XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX  balance. 

This is affecting my ability to get loans/better interest rates.

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 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The company Pro Collect located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX reported a collection on my credit which negatively impacted my score. They're collecting a debt which is owed by my brother  who has the same first and last name as me. I contacted XXXX XXXX ( who hired Pro Collect ) and they confirmed that I do NOT have an account with them but my brother does. I spoke to a Mr . XXXX ext XXXX at Pro Collect several times and other representatives. They have been nothing but rude to me and they keep asking to pay a debt which is not mine.

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 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Financial Credit Service, Inc.
State: DC

Complaint narrative:
Received calls from a restricted number on XX/XX/19 and did not answer. Then received a text from my mother who stated that Assset Recovery Associates called my mother, my step-father, and my stepbrother stating that I was wanted for arrest for check fraud. Gave them the case number and extension. When I called the number they stated that I would be arrested if I did not admit to the debt. When I asked for a verification letter they refused to send one stating that one was sent out already. No one received a letter. They would not give information about debt or who it was from. I told them to stop contacting my family and other third parties ( called my job as well ) and telling people that I was wanted for check fraud. When I asked about this check fraud accusation that denied. I have a voicemail with this accusation.

Company response to consumer: Closed with explanation