vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: DC

Complaint narrative:
I received a Pre-Acceleration letter from Primary Residential Mortgage XX/XX/XXXX alleging that a misrepresented assets during the loan process. I called and spoke to XXXX XXXX she advised me to send her bank statements and any supporting documents that would like my situation. I was given instructions from the loan officer to pay off two credit cards XXXX, totaling {$10000.00} I secured the loan on XX/XX/XXXX {$10000.00} was deposited into my checking account on XX/XX/XXXX. I transferred the loan amounts of {$5000.00} to both credit cards. I later closed on my home XX/XX/XXXX. I gave all the documents to PRMI however I was informed that they were not accepted by PRMI. I did not with hold any assets I open an account under the direction of PRMI employees. Now the mortgage company is threatening to take my home. I have a 2nd trust mortgage with another lender XXXX XXXX XXXX and this issue is none existent with the other lender. I feel like I am being harassed from a previous personal matter with an employee of this company. XX/XX/XXXX my mortgage was sold I have had peace with XXXX XXXX for months. As of XXXX XXXX XXXX my loan was sold back to PRMI and the issues has resurface with PRMI and I have received various verbal attacks from this company including the act of threatening to take my home. Since speaking to XXXX XXXX I have call in on three times to pay my mortgage and XXXX has not accepted my payment. I have enclosed the screenshots of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that shows that I do n't have access to my account to pay my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Funding is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations.. Yet on the credit reporting they have wrong dates and they are showing I made a payment in 2015. That is absolutely erroneous. The debt is past the statute of limitations and them continuing to update false information on my report is a violation of the FCRA. I have contacted my attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I called Fortiva XX/XX/2017 XXXX to settle a debt ; I spoke to XXXX regarding ( patient ID XXXX ) he advised me that the account was sold to XXXX XXXX -- -I called XXXX and was advised this account was sold back to Fortiva -- I then called Fortiva again and was told that it was not with them but sold to XXXX -- -I basically got the run around and there was no resolve to this debt showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.

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 2017-11-15 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: NJ

Complaint narrative:
TransUnion has a wrong name XXXX XXXX XXXX listed and several collection items which are listed which are unknown. I have requested several times these things be removed and nothing has transpired. Please help

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 2017-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
On I had {$90.00} return payment. I had issue with my XXXX XXXX. Which did get resolved. I quickly called XXXX to let them know I had gym payment that came out twice but I was getting refunded for the amount. I spoke to rep name XXXX in ach. I had ach issue before and she help me handle that problem. Since the previous issue was correct. I did n't want this small things to become and issue XXXX advised that she would watch my account to see when the return payment would happen. On XX/XX/XXXX Monday I call and she stated it probably will be Wednesday before it show up. I advised I would be going out of town for work. I would try to deposit cash in ATM at a branch or non branch here in my town. I was n't advised that a deposit at non branch would take several days to post. On XX/XX/XXXX I deposit {$180.00} into XXXX checking which would cover the return amount plus add additional money to my account. I was n't as sued this and that caused an issue as well. OnXX/XX/XXXX I made a {$140.00} payment over the phone with a rep and the rep used the wrong account. I was very frustrated. As this was n't fault of my own but the represent I had funds in my account XXXX not XXXX. I 'm just truly frustrated. I was told after 3 return payment the method to use transfer is suspend. Now my account is suspend again after 2 payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
XX/XX/XXXX I put in a application to refinance my XXXX XXXX XXXX. 

XX/XX/XXXX I spoke with XXXX and went over a few pre-approvals and I accepted 48 months at 7.74 % and a payment of roughly XXXX. Same day XXXX called back and said they counter with 7.14 % and a payment of XXXX I accepted the offer and started uploading docs. At this time there was NO mention of down payment what so ever, all calls are recorded. 

XX/XX/XXXX XXXX calls and asks about if I will be pay the down payment and I told her that it was never mentioned so I did not know about it. She then said I will need to call you back so I can figure out what is going on. 

XX/XX/XXXX XXXX calls and says she did not bring it to my attention and that it was her mistake. 

All calls are recorded.

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 2017-11-15 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: NJ

Complaint narrative:
Hello, This involves all my personal information data hacking that has recently been affecting my credit score and also my XXXX XXXX XXXX accounts. I am a victim of identity theft and have reasons to believe it has come from Equifax. I have never experience any bank account being compromised until this. I have been forced to close all my bank accounts, credit card. Now, Equifax has lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I signed a car loan with Ally Financial XXXX 2015. My car notes are just way too high. It appears that they charge high interest rates to minorities. I just can not afford this car. I do n't know why or how they approved me for a {$670.00} car note. Its almost like they purposely want me to fail this loan agreement. The company is very " bully like '' with their collection practices.

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 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: CA

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX I went to the hospital ER room for an illness. However from the paper work that was shown to me by the hospital and verified by contacting their accounting department was advised they had the inaccurate address on my file. 

The address they had was my address from XX/XX/XXXXwhen I was their for XXXX and was placed into the system by the file on their records. When contacting was advised that it was a hospital records XX/XX/XXXX error due to the insurance card they had on file during my visit listed my new address. 

No letters were sent to my new address however notices were sent to the old address which I havent resided at in over 10 years and was placed on collections. Contacted collection company XX/XX/XXXX and they advised that it was still my fault even if hospital had wrong address. 

Contacted hospital again XX/XX/XXXX advised balances owed was XXXX yet collections company wanted XXXX due to late charges even though hospital accounting staff verified insurance card had new address but all notification was sent to old address.

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 2017-11-15 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: CA

Complaint narrative:
I requested that a complete record of qualifying payments under the Public Service Loan Forgiveness ( PSLF ) program from my current loan servicing company, FedLoan Servicing in XX/XX/XXXX. I received a document initially stating that XXXX XXXX had records of 42 eligible payments out of the 120 required payments, which I believed to be inaccurate. XXXX XXXX conducted an audit, including reviewing records from my previous loan servicers. XXXX XXXX concluded that none of the payments I made from XX/XX/XXXX through XX/XX/XXXX were considered qualifying repayments because I was on the " Consolidation Standard '' repayment schedule ( and my loans were serviced by other companies ). It was not until I switched to the IBR -- and over to XXXX XXXX as my loan servicing company -- that XXXX counted my payments towards the PSLF repayment schedule. I was also informed that my repayments were not qualifying under PSLF because I was on the " Consolidation Standard '' repayment schedule and not the " Permanent Standard '' repayment plan -- of which I did not realize there was any distinction at the time I switched my loans over to participate in the PSLF program. 

When PSLF was first announced, I immediately took steps to participate in a Direct Loan Program repayment plan and moved my loan servicer from a private, non-profit company to one that was affiliated with the Department of Education. The information I reviewed, and the companies that serviced my loan at the time ( XXXX XXXX XXXX and then XXXX, which are no longer in existence ), confirmed that my repayment plan was one which would go towards PSLF because I was on a " Standard Plan. '' I was led to believe that my payments either satisfied the repayment criteria as a " Standard Repayment Plan with a 10-year repayment period '' OR " Any other Direct Loan Program repayment plan, but only payments that are at least equal to the monthly payment amount that would have been required under the Standard Repayment Plan with a 10-year repayment period may be counted toward the required 120 payments. '' This was further underscored when I was eventually placed on the " IBR Plan '' and my monthly payment amounts decreased. I also timely submitted my public service employer certification information when I first began participating in PSLF and was never informed until XX/XX/XXXX that my initial payments under the Consolidation Standard plan do not qualify as eligible repayments under PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select portfolio is attempting to foreclosure on my home with a fraudulent assignment The assignment was created after the cut off date of the trust filed with the United States Securities Exchanges.The document contain signatures of well known robo signers. I asked for proof of claim because the power of atty I gave to the the origination of loan in 2006 has being rescinded from the borrows waive of rights I appoint my self as Power of Atty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX ( and XX/XX/XXXX ) I received automated voice calls from Pro collect a collection company representing a former landlord. The automated messages were left on my cell. I called and spoke to an representative who then transferred me to another " supervisor '', XXXX XXXX. I told XXXX XXXX that I had received a call from this number, and she only confirmed my name. I only ID my name, and then she goes into it being a debt for the landlord, and provided the mini Miranda. Never verified last four of SSN and/or DOB. Provided the balance of the account. She asked had I received correspondence about the account, and I told her no. I confirmed my current address at that time, and never confirmed that this was the best number for me. I did explain twice that the number was a cell line, and she states that basically that meant nothing. She goes into providing me a phone number for her directly, the account number, and describes the methods of paying. She asked which one I would choose, and I explained that I would call back in. XXXX XXXX advised me that she would report my account as a " refusal to pay '' because she did n't give that ( meaning calling back ) was an option. At that point I identified that I being a former collector, and well aware of the laws, know that she could not do that. She was argumentative and at this point I terminated the call.

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 2017-11-15 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: NJ

Complaint narrative:
There are several medical collections listed which have no name on them and I have disputed with nothing being received as far as validation, these are inaccurate and I want them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On several different occasions I have question the validity of an account that appears on both my Experian and XXXX report. The most recent request dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  The company has failed to provide any information to substantiate the account. The Credit agency is reporting incorrect false information that is effecting my ability to receive credit.This Account with XXXX XXXX was disputed from XXXX 2 yrs ago and found to be invalid. I have since requested multiple times for the other Reporting agencies to follow suit and remove the item as well

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 2017-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
My wife and I were discussion a mortgage refinancing with Ditech on XX/XX/XXXX. The mortgage owed is currently XXXX. We are speaking with XXXX XXXX XXXX, with email of  XXXXXXXXXXXX. Before my wife agreed to have credit run she confirmed that the rates would be 4 % and the fees totaled {$3500.00}. We agreed verbally and they ran our credit. This am XX/XX/XXXX we reviewed the actual disclosures which showed a rate of 4.5 % and fees of XXXX. We reached out to XXXX on both email and phone. Once he responded to us he tried to tell the story that he was trying to help us with our rate by increasing the percentage and could not explain the fee increase. This is absolutely scummy we are ending the process now and are looking to move our mortgage elsewhere. We wanted to change from a ARM mortgage to a fixed but will not do business with an organization like this

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 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I have tried several times to work out with this company they keep reporting the incorrect amount is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
XXXX 2015 I went into XXXX XXXX at XXXX XXXX XXXX XXXX SC XXXX currently called XXXX XXXX XXXX XXXX XXXX after receiving letter from collection agency stating I owed a Balance of {$3500.00}. I spoke with the assistant Manager at the time name XXXX and explain that this balance was not correct and she went to look for file and said that it was not in the office due to changing management companies. She was able to find some info online and saw where I only owed {$1200.00} and I paid that to them at that time. This is still being reported on my credit and with wrong amount original debt amount.

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 2017-11-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Your entity must remove this unauthorized inquiry and provide a written response to my address. Please see attachments below.

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 2017-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
On XX/XX/2017 we received a call from XXXX in reference to XXXX XXXX asking for a call back to XXXX I have asked several times for them to stop calling as we have no person by this name working here

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 2017-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I have had approximately 75 ACH transactions from my employe to USAA without a single hold. I have many USAA products such as Credit Cards, Home and Auto Ins, etc. All of my bills to them are due in the second half of the month. Today, XX/XX/17, they held my ACH transaction for 7 days and will collect a late fee on every product I have even though they have my money. Seems very unfair and deceptive to charge a late fee when they have my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
OnXX/XX/XXXX i paid a real estate loan in the amount {$6900.00}. 
On XX/XX/XXXX i paid a credit card balance of {$4800.00}. 
Over the last 3 months i paid the balance on 3 other credit cards. 
None of the credit cards were canceled they just do n't have a balance. 
When i started paying my debt. i had a Transunion credit score of XXXX and XXXX score of XXXX. 
Once these payments were reported my transunion score dropped to XXXX and XXXX to XXXX. 
Because of this i was denied a loan at a bank. 
All of my payment history is good no late payments.

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