vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
A home was built on the wrong property/lot. I have notified the mortgage company many times but it seems like I'm being ignored. 

I have already sold the property that the mortgage company thinks the home is on, but as mentioned above it is not on the property as mentioned above. 

Address : XXXX XXXX XXXX, XXXX, Hawaii Auctioned on XXXX for {$7000.00} to XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I, have had money problems, as I went to school for the years, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, but for every year, I have been in contact with my student company to apply to my acct, a forbreaence or a deferment. this day they are reporting my acct to my nrw ceditors as a past due with payments, this is not the case. my acct shoul be in good standing with fair credit for all four years.

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 2019-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a Walmart credit card and it was closed a while back but I just wanted to get that account re opened at the time I was XXXX and I really didnt know much about credit

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 2019-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: MN

Complaint narrative:
On XX/XX/XXXX, my service transferred my loan to a new servicer but did not transfer my mortgage payment. I have tried to resolve this issue but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
XX/XX/XXXX - current  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXAll XXXX XXXX  And XXXX XXXX XXXX. A lot of transactions were intercepted and picked up by unauthorised recipients or deposited into unauthorised accounts. The transaction listed above had MTCN numbers however payment wouldn't process or delayed cancelled without my knowledge.  The app on XXXX since XX/XX/XXXXhas had major issues and technical issues.  I have multiple people utilising my merchant 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 2019-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
They have a car loan in my report more than XXXX years this is illegal

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 2019-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
i got a letter from Medical recovery services, they threatened to have the sherriff to garnish my wages and levy my property, furniture, vehicle, etc. threatened to sue metake anything i own. they should already know im on social security and ssi. the amount is wrong too, the amount i owed the ambulance was around XXXX, the letter was from a place in XXXX  XXXX idaho. not sure who really has this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
E check deposit was approved by Ally Bank for XXXX dollars After three days check was return deposit. After deposit I suspected fraud. I contact Allybank onXX/XX/XXXX . I was assured by customer service that check was honorable. On Tuesday XX/XX/XXXX I moved funds out of acoount to pay for so called loan insurance OnXX/XX/XXXX check was returned by bank on XX/XX/2019 Ally bank absorbed direct deposit check from  my pension . Account still XXXX dollars overdrawn. XX/XX/2019 I spoke AllyBank operation was told I was responsible entire overdraft. How does a consumer verify checks it banking institution cant. I was told in a matter of fact way and a cold way that ther is no way out. Its no wonder consumer hate banks. I have already in formed bank of  my refusal to accept full penalty. I change to another bank. I will not fund  Allybank account anymore. I was scam just like they were. Im already embarassed and humiliated I wont take anymore0

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 2019-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Entered into XXXX promotion to open a new checking/savings account with Citibank inXX/XX/XXXXXX/XX/XXXX The bonus entailed XXXX for depositing XXXX and maintaining for 60 days, as well as XXXX for completing one qualifying direct deposit each month for two consecutive months within 60 days of account opening. The bonuses should have posted 90 days after completing the requirements. I received the XXXX in XX/XX/XXXX I still am not in receipt of the XXXX. I had a direct deposit post on XX/XX/XXXXand another XX/XX/XXXX, so did complete the requirements. The Citi representatives that I've spoken with have confirmed I've met the requirements but have been unable to assist me.

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 2019-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Hi,Transworld System INC. has kept sending mails that showed I had a dept of XXXX from XXXX XXXX XXXX XXXX XXXX billed me two times regarding just one same case. I resolved this issue with XXXX, and XXXX erased the additional bill. So currently there is no balance to pay back.But Transworld System INC is sending mails relentlessly. I sent message in order to stop mailing on their website, however I couldn't get answer yet.I had a receipt, XXXX has history about this. The following information is written on the mail from Transworld System.File#: XXXXCreditor: XXXXInvoice #: XXXX XXXX XXXXBalance Due: XXXXThank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I did a bank account to bank account transaction with moneygram to send money to XXXX for {$2000.00} on XX/XX/2019. Received the confirmation on XX/XX/XXXX that the transfer is sent and the amount will be deposited to the receivers account. On the XX/XX/XXXX got a call from my receiver that its not deposited in the account. I called Moneygram and the customer service agent informed me that they had an IT problem with this transaction and its not been processed and it will be updated in 24-48 hrs and the money will be available. Came to know on XX/XX/XXXX that my receiver haven't received the money yet. I called them again on XX/XX/XXXX and they informed that the IT department is still working on it and asked me to check back in 24-48 hrs. I asked them for a refund and they still told me to check back in 24-48 hrs. Called them on XX/XX/2019.. and they informed me that the refund will take 30 business days to process. 

This has caused me big inconvenience of my time calling them again and again and to my receiver who needed this money urgently. 

I request your prompt action on this matter to get my refund immediately and also compensated for the inconvenience caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: PA

Complaint narrative:
transunion/XXXX  has two different removal dates for same company. XXXX is supposed to fall off XX/XX/XXXX but XXXX committed fraud by re-aging the date to XX/XX/XXXX dofd was XX/XX/XXXX, 7 years will be XXXX not XXXX! XXXX needs to stop playing games

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 2019-08-04 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: GA

Complaint narrative:
I have been notified by Equifax of the data breach. Upon the link sent by Equifax it is confirmed I have been impacted by the Equifax Data Breach. As a result of this my personal information has been exposed which has caused unauthorized inquiries into my personal credit file. Upon review of my credit file I found several inquiries listed that I did not authorize. I am requesting these items be removed from credit file immediately. 

XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX has two different removal dates for same company. midland is supposed to fall off XX/XX/XXXX but midland committed fraud by re-aging the date to XX/XX/XXXX dofd was XX/XX/XXXX, 7 years will be XXXX not XXXX! midland needs to stop playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: NY

Complaint narrative:
Between XXXX i was employed with my former employer i did make visit at the urgent care department at the medical center for an related pain in my right. I did provided my insurance information to them asked several time i was here to be seems by URGENT CARE I don't know really happen and within that time my employer did change their medical service provider like that to another medical service provider.When i contacted my employer the told me that the contacted the hospital and was still waiting to hear from them. I did called the hospital and told them what happen but after two to three months i received a called saying i owned fees for the urgent care service which is {$690.00}. 
Moreover i did called the hospital and told them to contact my employer but i don't know if the did until i found out that the payment was place with an collector company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consolidated Recovery Group, LLC
State: FL

Complaint narrative:
XXXX XXXX was a processor company that was doing my credit card transition I had 3 my customer did a charge back on credit card transition XX/XX/15 all the charge back which was debited from my checking account and was paid in full, now this collection company CONSOLIDATED RCVY GRP have me in collection for the {$2800.00} which was paid already, I send the copy of my bank statement with the withdraw amount but the guy said the late fee was not paid so they are not going to remove from my credit report, now how can I owe late fees to consolidated rcvy grp when I already paid XXXX XXXX from the very day of the charge back ; can you please me to solved this problem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XX/XX/2019, I opened the American Express Platinum XXXX card with the understanding that that I would be receiving XXXX XXXX miles + XXXX Medallion Qualification Miles ( MQM ) after spending {$3000.00} and {$100.00} statement credit for any XXXX spend within the first three months of the card opening ( by XX/XX/2019 ). There was a {$190.00} annual fee for the card. 

On XX/XX/2019, I reached out to American Express to confirm if I met their eligibility requirements, which I did according to Customer Service Agent Inny. She stated that I made total of {$3600.00} qualifyingpurchases and until XX/XX/2019 statement closing spend threshold amount was not meant but now as that is made you will see the bonus miles issued to your account byXX/XX/2019. 

On XX/XX/2019, I reached out to American Express again in order to check in and see when I could expect to see the bonus mileage post to my account. This time, they stated that miles and MQMs will be credited to your account 6 - 8 weeks after you reach the Threshold Amount according to Customer Service Agent XXXX. I asked if I would see the bonus files post by XX/XX/XXXX, and they confirmed this. 

After waiting the prerequisite time and not seeing the bonus, I reached out to American Express yet again on XX/XX/2019. This time, they explained that I had only spent {$2500.00} in Qualified Spend Amount and I did not meet the spending threshold according to Customer Service Agent XXXX. They refused to clarify what spending was ineligible and why I did not receive the bonus despite two previous customer service agents confirming I would receive the bonus offer much earlier. 

I have met the spending requirements under the American Express Platinum XXXX card with purchases amounting to {$3800.00} between the card opening and XX/XX/2019 ( three month period ). American Express has refused to honor their agreement, decided to arbitrarily make up terms to renege on their agreement for the bonus, and has refused to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 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: GA

Complaint narrative:
I have been notified by Equifax of the data breach. Upon the link sent by Equifax it is confirmed I have been impacted by the Equifax Data Breach. As a result of this my personal information has been exposed which has resulted in inaccurate information reported. Equifax is reporting a Bankruptcy Case under my name which is inaccurate. This inaccurate reporting is a direct result of the Equifax Data Breach from information that belongs to someone else and is a result of fraud and errors from Equifax. Upon m check with Equifax it has been determined this breach has affected my personal information by this incident. I have filed my claim against Equifax but are now left to dealing with the inaccurate information reported on the behalf of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank Of America ( BOA ) is charging Overdraft fees like anything. They charged 4 times overdraft fee in a single day ( each time {$35.00} dollars ) ( plz see the attached snap ). I called them and they said " System does not let us waive any of it ''. It has happened in the past and they did the same thing. BOA do not give me option to opt-out of this overdraft protection, I have requested few times in the past by visiting the bank but they always says that " Checking account has to have the overdraft protection ''. 
This is going crazy as BOA has charged 20 times overdraft fee ( {$35.00} XXXX  {$20.00} = {$700.00} ) between the period of XX/XX/XXXX - XX/XX/XXXX. 
They do charge lot of other fees like ATM fees ( {$2.00} dollar for each transaction using any other ATM ) but I understand that and not complaining about that. 

But I want all overdraft fee to be waived off. 
I am attaching the document which list down all 20 overdraft fee BOA has charged me between XX/XX/XXXX - XX/XX/XXXX period.

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 2019-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am not responsible for the balance debt of this Wells Fargo XXXX XXXX. As this was not done by me and was reported fraud. What I was responsible for, Ive already paid and this credit card account was closed by the grantor after nothing was done by the fraud department and the balance charges was accumulating/ interest charges and also prior unauthorized charges. In order to satisfy this debt not owed by. I will not pay this balance, due to even if paid this will still reflect on my credit report as a Charge Off account that will just say Paid. If this balance was to be paid there needs to be an update to the credit bureaus. Stating paid as agreed and the status should no longer be listed as a charge off account and only show closed.

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 2019-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
My XXXX XXXX was totaled & at that time ford motor credit claims we owned them over 2600.00 in unpaid late fees. To my knowledge the car was paid in full & now ford can not produce any info on what we owed. They say it was 1 payment we owed. My records & the website said paid. They claim there is over 2000.00 in attorneys fees? We never received any info in the 4 years I had paid it off. Again they can produce no info on the amounts. They refused to release title & we had to buy a new car. How can you be forced to pay without any info on amount. They have no record of any fees due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: MA

Complaint narrative:
I need the help of the Consumer Financial Protection Bureau, as Credit Control , LLC still has my personal information, trying to collect a debt that can no longer be enforced or for that matter reported on credit. This abusive collection letter states that by the standard established through the Office of Attorney General in the Commonwealth of Massachusetts, mandates that the collection can no longer be enforced. I request that the Federal Trade Commission step up and sanction this collection agency, that is trying to collect on a debt supposedly taken over by a debt buyer known as XXXX XXXX. Both of these companies are owned by the same holding company, and thus both companies are committing abusive collection practices. I demand the purge of all of my personal information with Credit Control , LLC and XXXX XXXX permanently. 

CEASE AND DESIST AND PURGE 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 2019-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America was attempting to conduct a loan modification without the knowledge or authorization of this writer. Their attempt to modify the loan led to a dispute that has lasted ten months. Bank of America has refused to come forward with the truth about what happened and instead has hidden behind vague claims, d ensuring that they address the issues in a manner that leaves no written evidence of their actions and intentions. 
In addition, my credit score was affected when Bank of America conducted a credit inquiry, again without my knowledge or authorization. 

Bank of America overcharged this writer {$170.00} over the total amount due. Note that the over-paymentwas never acknowledged by Bank of America. On XX/XX/2019, Bank of America mailed this writer a check for the amount of {$100.00}, however {$77.00} have still not been reimbursed.

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