vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I bought a house in XXXX XXXX in XXXX This house was bought under the l124. law.The agreement was we have to live at the house 5 years to avoid penalties for. We live the house for 9 years and then I transferred to XXXX  due the XXXX base closure in XXXX XXXX. I continued to pay the house. Now the bank ( Popular Mortgage ) and the XXXX XXXX XXXX XXXX ( housing ) are charging me a panalty of {$14000.00} I provided paperwork with my transfer date on XXXX, copy of the water bills on XXXX, I couldn't provide de electric bill because they don't have records on my name. I been fighting with them for months and the penal still shows in my statement. 
The Bank is Popular Mortgage and the loan number is : XXXX House is located at : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX I need to gets this sort out,? I don't why is being so difficult, I'm trying to pay off the balance {$26000.00} aprox Thank you

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 2020-04-29 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: AZ

Complaint narrative:
ftc violation As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... 
- News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX XXXX  XXXX all XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
XXXX. com overcharged my accounty by {$27.00} on XX/XX/XXXX and XXXX XXXX. 
I called my bank, Huntington, and they were supposed to credit the XXXX  withdrawl as soon as it posted to my account, the first charge of {$9.00} posted today, XX/XX/XXXX, and now HUNTINGTON LIED, AND REFUSED TO CREDIT THAT POSTED AMOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA continuously called after verbal request of NO CALLS : XXXX ( XXXX ) - Santander initiated call - Requested NO CALLS after being contacted about past due amount, as I am typically at work and this disrupts my work day XXXX ( XXXX ) - Santander initiated XXXX and hung up when answered. 

XXXX ( XXXX ) - Santander initiated call ( spoke to ID # XXXX ) - Advised I had previously requested NO CALLS prior. 

XXXX ( XXXX ) - Santander initiated call and hung up when answered. 

XXXX - ( XXXX ) - Returned call to Santander and advised I had previously requested NO CALLS numerous times before. 

XXXX - Santander initiated call to alternate number on my account ( husbands ). Per requesting of NO CALLS, company should have restricted ALL CALLS to any number associated to my account. 

XXXX Company is in violation of TCPA*** Per agreement terms and conditions within the Santander contract, " Consent may be revoked at any time and by any reasonable means '' As a consumer, I respectfully requested NO CALLS numerous times - Santander attempted further contact 4 additional times after initially requested NO CALLS. Each of the 4 calls in violation of TCPA and could be fined up to {$1500.00} per violation. I reached out for legal action to be taken, but due to pandemic, this process has been delayed. I am requested immediate action be taken by CFPB and to fine Santander for these TCPA violations and award these to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: RI

Complaint narrative:
I have 2 Federal Student loans that are showing delinquent payments on my credit report from XX/XX/XXXX - XX/XX/XXXX. These accounts were General Forbearance from XX/XX/XXXX - XX/XX/XXXX. These accounts should not show this incorrect information as it is causing me issues in obtaining a first time home buyer mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am in the process of cleaning my credit up do to identity theft. Lexis nexis has several items on my report that don't belong to me and/or are a result of identity theft. While they have deleted several items, several remain such as Name variations, my name is XXXX XXXX XXXX, in the past 25 years I haven't used another name. My maiden name is XXXX. Their are several variations of my name on the report. It also reports I have a Virginia License which I do not and have not ever had. My drivers license information is incorrect, all they have to do is check with Maryland MVA. My license number is XXXX and has been, their is information from XXXX, XXXX, and XXXX that don't belong to me. I have sent them copies of my license as well of my change of address. Lastly there is a bankruptcy from XX/XX/2015 that is not mine. The bankruptcy court say 's they didn't report it to them so I would like to know how they got the information and provide me with all of the identifiers as well as DL information ie picture and ssn number provided to file this bankruptcy. The consumer number for XXXX XXXX is XXXX and the Case number is XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AZ

Complaint narrative:
XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: AZ

Complaint narrative:
XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that Equifax agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that Equifax failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/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 2020-04-29 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: AZ

Complaint narrative:
XX/XX/XXXX - News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
You've visited this page 3 times. Last visit : XX/XX/XXXX FTC Charges Auto Dealerships in Arizona and New Mexico with Falsifying Consumers Information on Financing Documents SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : Automobiles Bureau of Consumer Protection Consumer Protection Advertising and Marketing The Federal Trade Commission has charged a group of four auto dealers operating in Arizona and New Mexico, near the border of the XXXX XXXX, with a range of illegal activities, including falsifying consumers income and down payment information on vehicle financing applications and misrepresenting important financial terms in vehicle advertisements. 

This is the FTCs first action alleging income falsification by auto dealers. The complaint also names the dealerships owner and manager, XXXX XXXX, as a defendant, and owner and president, XXXX XXXX, as a relief defendant. 

Buying a car is one of the biggest purchases consumers make. When consumers tell an auto dealer how much they make and how much they can pay upfront, the dealer cant turn those facts into fiction, said XXXX XXXX, Director of the FTCs Bureau of Consumer Protection. The FTC expects auto dealers to be honest with consumers from the first advertisement to the final purchase. 
n its complaint, the FTC alleges that XXXX failed to secure the massive amount of personal information stored on its network, leading to a breach that exposed millions of names and dates of birth, Social Security numbers, physical addresses, and other personal information that could lead to identity theft and fraud ... XX/XX/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 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have tried several times with my current servicer Shellpoint mortgage servicing time have them cancel my Force place insurance because I have given them proof that I had hazard and liability insurance for my condo. 

I wrote them two letters to in the form of a qualified written request and notice of correction To The loan servicer by certified mail correct this error under respa however I have yet to receive a response within the required times associated with respa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
OnXX/XX/2020 I received several alerts about a new account being added to my credit. I immediately go to check my credit, and I see a new collections account from a company called Franklin Collection Sv, XXXX XXXX XXXX XXXX XXXX, MS XXXX, in the amount of {$1000.00}. There's no original debtor listed from what I can see. These are the issues I have. 
1. I am a resident of the state of Florida. Florida law requires any debt collector to be licensed in the state in order to legally collect on a debt. I checked with the Florida Department of Financial Services and the Secretary of state, Franklin Collection Sv is not registered in the state of Florida. So their right to collect any debt here is non-existent. 

2. I have never heard of, nor received any documentation from Franklin Collection Sv informing of a debt, nor allowing me the opportunity to dispute said debt. They have recklessly attached a collections to my credit, without even having the decency of contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
At some point in our relationship with NewRez, our mortgage company, they decided to switch our status in escrow from " lender responsibility '' to " owner responsibilty '' and have declined to pay our city property tax. They are holding over $ XXXX in escrow for our $ XXXX property tax bill. 

On XX/XX/XXXX, I received a bill from the city claiming that the money was due by XXXX XXXX. I immediately called NewRez and was told to send the bill to them. I did and heard nothing. On XX/XX/XXXX, I repeated the process with another notice to authorize them to pay the bill. Again, I was told it would take a matter of days. 2 days ago, I called them again and was told it may take up to 30 days to resolve the matter and that the fees, penalties, and interest that may be attached to a late payment would also be my responsibility. 

At no point did we ever agree to have our status switched from lender to owner 's responsibility. They are clearly withholding this money in escrow for exactly that purpose. I have been proactive, calling them the day I was made aware that the bill had not been paid. I am worried about a lien being placed against the house and wonder if I need to have a lawyer on hand

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 2020-04-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: LA

Complaint narrative:
I have been trying to get a replacement card for my unemployment benefits since XX/XX/2020 and I haven't been able to contact no one my bills are over due and I'm about to be kicked out of my place because I am behind on rent. To whom it may concern can you please over night me a replacement unemployment card so I can pay my bills My name is XXXX XXXX address is XXXX XXXX XXXX XXXX Louisiana XXXXThank you and may God bless you and your Staff

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 2020-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
The mortgage company has acted against me ( consumer ) with malice, shady and unfair practices, without due process and notices. It was a surprise to me that my mortgage company paid XXXX XXXX taxes : the date to redeem this is XX/XX/2020. I was aware and planning to pay off my taxes. Without my due knowledge and information, the taxes of {$12000.00} were paid in XX/XX/2020 by the mortgage company, from my escrow account of {$0.00} balance. Since then, no notice, information, or communication has been provided to me on how to manage that tax payment. My request for forbearance due to COVID-19 was approved, beginning XX/XX/2020 for 3 months, in an acceptance letter dated on XX/XX/2020 ; this letter clearly mentions my terms, to pay {$1100.00} per month. It is unethical and also could be illegal to raise my payment from {$1100.00} per month to {$5800.00} per month ; a raise of 518 %. It is a violation of Consumer Protection laws by not warning the borrower ; it is a tactic and a game play to inflict hardship added upon this COVID-19 crisis to the consumer. I received a second notice in regards to forbearance acceptance, dated XX/XX/2020, confirming for a second time my regular payment amount of {$1100.00} was beginning XX/XX/2020, for 3 months. I received a XXXX notice dated XX/XX/2020, that my monthly payment would be {$5800.00} per month, beginning XX/XX/2020. It is a clear violation of several laws, particularly the Truth in Lending Act ( TILA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I need to link my Personal Pnc checking account with my XXXX XXXX to put money into my savings and I guess pnc made it to where you cant link your accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvnv funding is a debt collector for I believe a jewelry store that I have had no contact with for over 7 years and they still are damaging my credit. They keep renewing a old debt claim from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
We opened an account with conns and when we received our payment book we noticed errors. We then went back to the store and they re-did the account fixing the mistake and then sent us another payment book with the correct amount but, the first account was supposed to be deleted and never was. We are up to date on the current account but they wont delete the first faulty account. My credit is spotless other than this. We have called numerous times to try and rectify this problem but each time they say this is accurate when its not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I deposited a cashier 's check for XXXX in an ATM at XXXX XXXX XXXX, XXXX XXXX, MO XXXX as the branch was not open. This check was proceeds from a cash out mortgage refinance to pay off a car loan. First, the title company sent the check to the wrong address. Second, when I put the check into the ATM, I received a receipt that said they could not deposit the check and the check was not given back. I was given a receipt saying call XXXX. I have been calling for a week now and they say it will take 10 business days to deposit this check. In the mean time US Bank is charging me interest on the mortgage loan I took out. I have called at least 5 times and they can not even tell me if they have the check.

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