vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX forwarded my debt to Merchant and Medical Credit. They, Merchant and Medical,  have made frequent phone calls to the point in which I have blocked any numbers they have called me from. Also, they recently contacted my Emergency Contact noted on my medical records asking for my information. The hospital asked for an emergency contact in the event something happened to me at the hospital. Why their contact information was forwarded to a debt company does not seem right. Also, when you call the company they do not note who they are. I called them from my work phone, blocked number, and I had to ask who the number was regarding. I'm not entirely sure if this falls under the FDCPA, but I do not think it's proper for a hospital to forward my in the hospital emergency contact to a debt collection company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My monthly mortgage payment will increase by {$600.00} effective XX/XX/XXXX due to escrow. In XX/XX/XXXX, my loan was transferred from XXXX XXXX XXXX  to Mr. Cooper Mortgage. XXXX XXXX states they paid my school taxes of {$6000.00} before transferring the loan to Mr. Cooper. Mr. Cooper stated that they paid my school taxes after the load was transferred to them. If both mortgage companies paid, this would have resulted in two payments for the same school taxes ; hence, an overpayment.

Per Mr. Cooper, their escalation department contacted the county to verify how many payments they received for XXXX and the county confirmed that only one payment was received for XXXX. Afterwards, I reached out to Mr. Cooper asking who submitted the payment to the county : XXXX XXXX or Mr. Cooper and Mr. Cooper stopped responding to my inquiries. I have been trying to resolve this matter for sometime. We do not have an additional {$600.00} to add to our current mortgage payment. We understand that mortgage payments can fluctuate ; however, an additional {$600.00} is extremely excessive. 

We would have never purchased a home that would cost us an additional {$600.00} per month. This is way out of our budget. 

Can you please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a bank of America credit card. They stole my wallet and made purchases with my credit card. I file a police report and contacted my bank. This incident took place a while ago and Bank of America refuses to correct the situation with the credit agencies.

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 2019-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Pay Pal and XXXX today XX/XX/XXXX If you sell through XXXX you must use Pal Pal. The Item shipped out XX/XX/XXXX and was delivered XX/XX/XXXX XXXX say the releases payment within 24 hours of delivery. Today is 48 hours from delivery and I still have no funds. Upon calling XXXX they will release in 24 hours. They will ONLY release to Pay Pal who for no reason will only transfer to their own debit card through a clearing house which takes 72 hours. Pay Pal put a hold on the miney as soon as they received the purchase money so they have had use of the funds 11,12,13,14,15,16,17,18,19,20 and then 72 hours longer 21,22,23 So for 13 days they have been earning interest on my money and a billion other XXXX dollars. They will not release any of my funds but if XXXX says we have a bill for {$47.00}. They take my money from a sale through offer up and without delay pay XXXX. Without notice to me. It is ok to pay money I owed. But there is no delay to XXXX. But they have to hold for security my money for 72 hours. They have had cash for 10 days, the buyer has delivery, whos security? Not mine. Not the buyer. Not Pay Pal. It is so they can make another 3 days interest on their investments and billions of other dollars belonging to suckers who use Pay Pal or XXXX. They held my money last week because they have to verify who I am. Even though I opened the account in XXXX. They had to wait until they had money to hold to verify that way they can earn money holding onto my money. Nothing disclosed. They said it is in their user agreement. Every bank or mortgage company or even a pawn shop has tougher full disclosure rules than Pay Pal. I want everyone to stop being ripped off. Money on hold just means we use other peoples money to make money. It should be outlawed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: PA

Complaint narrative:
This complaint address two issues I had for the same account at the same bank. I opened a Burial Reserve CD for my mother with XXXX XXXX  on XX/XX/XXXX. I am a her legal guardian & paperwork was provided to both banks, several times. It was for 5 years, which was to mature on XX/XX/XXXX. The account number was XXXX. In the meantime, BB & T bought XXXX XXXX  & the CD was assigned another account number XXXX. When the CD came due last XXXX, the rate they were offering was less than desirable & they would not match a rate I could get elsewhere, at that time I asked to close the CD. They refused to close it unless I had a representative from the funeral home ( of which they had no interest in the account until she dies ) come in to close the account. The funeral home was not an authorized signer & were not even aware of the account. Due to the time restraint with the grace period, I was forced to leave the CD with BB & T. I was then told to take the new signature card to my mother to sign, that it had to have her  signature, even though they had the Guardianship papers, which I provided yet again. I then recieved in the mail a modification notice with the new terms & rate. The second issue came with an Abandoned Property Notice I received on XX/XX/XXXX. It stated that since there had been no client related activity within the past several years, that the CD would be escheated to the state on XX/XX/XXXX. Even though I had been to the branch at least twice during the grace/renewal period, in person, & had to make a special trip to where my mother is in a nursing home to have her sign the new signature card, then returned to the branch, in person, to drop it off. I did sign & date the escheat notice to claim the property & returned it ( no they couldn't even provide a return envelope ) by mail on XX/XX/XXXX but surely, my account isn't the only one that may be escheated to the state in error.

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 2019-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Receivables Fund Incorporated
State: GA

Complaint narrative:
On XX/XX/2019 I was contacted via phone from # XXXX stating they are an attorneys office and I owe XXXX XXXX. I advised her that I already told several of their reps that the debt was settled with XXXX  and that there is no balance remaining as I received a settled in full letter and a XXXX. She got really angry and told me that I was going to be sued and that she did not have to talk to me she would just proceed with suing me and hung up on me. 
I have dealt with this for many months and just want the calls to stop as the debt has been cleared and I should not be harassed about issues that have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: LA

Complaint narrative:
XXXX and Transunion are reporting me as 120 and 180 days past due XXXX XXXX account that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount. 

I have listed the account number for reference : 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 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have so many hard inquiries from fraud stuff I know for fact I never applied for I need help getting them removed

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 2019-02-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting me as 120 days past due on XXXX XXXX XXXX XXXX accounts that have a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount. 

I have listed the partial account numbers for reference : XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kinum, Inc., Indianapolis, IN Branch
State: CT

Complaint narrative:
Caller called repetitively in a continuous barrage of rude and unprofessional calls. He did not once state his business. He was reluctant about giving up his name and who represented. He stated that " this will go on all day '' if he did not get to speak to the party he was seeking to speak with. He called 6 times in a row.After the second call he stated that his name was XXXX XXXX. 
The receptionist asked him not to call back and this was a place of business and he should cease and desist or the police would be called. His response was that he would call the police himself. 
He clearly did not state that he was a debt collector trying to collect a debt. 
After some investigation the number came up belonging to Kinum Inc. a debt collection agency. 
This is egregious harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: IL

Complaint narrative:
Real Time Resolutions is reporting that I owe them for a 2nd mortgage that was released when the property in question went into foreclosure in XXXX. Their communication with my attorney was 'they 're looking into it. ' We have been attempting to get copies of any paperwork they have -- they have been looking into it since of XXXX. I am purchasing a home and have been delaying the purchase based on their erroneous reporting. Please assist in fixing ASAP. I need to provide a home for my kids. My credit is perfect outside of this company. Per my attorney -- it looks as if they've reported this without proof of paperwork. Please assist. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
From XX/XX/XXXX we were in court due to a required balloon payment that was due that we could not pay on our HELOC. In XX/XX/XXXX, the case was dismissed and we continued to try to sell the property. In XX/XX/XXXX, we received a letter from a debt collector indicating they were working for the bank. The amount the debt collector state was due conflicted with the statements that were still being sent from the bank. I called and made an offer to settle the debt and they refused. In XX/XX/XXXX, my wife and I both had money taken from our bank accounts and 10 days later we received a letter indicating it was applied to the loan and that the bank was exercising their right to setoff. They have not indicated that the matter is closed but state that there is still an outstanding balance.

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 2019-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FC HoldCo LLC
State: NV

Complaint narrative:
Today XX/XX/XXXX my husband, I and my sister in law all received calls about a car repo from XX/XX/XXXX. For starters they shouldnt be calling my sister in law and giving them any information. They left a message on my husbands voicemail that if he doesnt respond today they will have him arrested. The business is called XXXX XXXX and their number is XXXX XXXX. They said we had to pay something to them today or they would take our tax refund, garnish wages or money from our bank. We have not even received a letter regarding this situation at all. They are also repeating calling all of our numbers.

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 2019-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED CREDIT CORP. OF SOUTHAVEN
State: MS

Complaint narrative:
This finance company keeps repeatly calling me at work even though I have told them I can not receive phone calls on my job and to please stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
XXXX ; XXXX  and XXXX  are incorrectly reporting me as an Authorized User on Barlclay card ending in account # XXXX. I contacted Barclay and let them know that I did not give permission to be added as an Authorized User and that I need to be removed from this account. I have also contacted the bureaus to fix this issue but they have not fixed it yet. The negative information is harming my credit score.

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 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Theres a inquire on my credit report I have no knowledge of and trying to get it removed but the creditor is not trying to remove it I tried reporting it as fraud but still nothinf

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 2019-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
In XXXX of 2018 my HELOC loan was transferred from XXXX XXXX to Rushmore loan services. I have made my monthly payments through my  bank bill payment system as I always have on time. In the month of XXXX the company decided to hold my payment, then I made my XXXX payment they held that payment as well. I called in XXXX when I realized my perfect credit score was affected by this company. Confused as I have made my monthly payments every month on time I call them. They then tell me my name was different, my address is different, then tell me they are holding my payments because it was not paid on-time in XXXX or XXXX plus I had to pay some inspection fee for someone coming out to my house. My bank shows this loan check to have been cut & cleared my bank account with XXXX XXXX. When I completed the paperwork with XXXX XXXX I've always used my current last name " XXXX '' because that's my drivers license legal name. Then I ask to speak to a supervisor to explain the issue they begin to tell me I can not speak with a supervisor I need to write a letter. I write the letter send it off & they still have not completed the investigation two months later. Then I look online for XXXX bill amount as my monthly fees have changed with Rushmore every single month but with XXXX XXXX it did not even though it was a Variable rate contract. The rep give me a different amount explaining because this month has less days I am charged more if the interest rate per my contract. This just does not make any sense to me at all. i have been a homeowner of two homes & have never been so wrongly treated as I have with XXXX loan services. It is not fair as a customer to pay for there mess ups. This company needs to be investigated & shut down for good!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was promised by Ally Financial bank a 1 % cash back bonus if I opened up a new account or deposit money to an existing account. I did so by depositing XXXX into a new account ending ... XXXX on XXXX ( before the dated line of XXXX ). I also received a confirmation email of that on XXXX confirming my enrollment before the date line of XXXX XX/XX/XXXX. I followed all the requirement of outlined on the email of XXXX and yet I did not receive the {$1000.00} cash back bonus by XX/XX/XXXX as promised on that email. I have called them several times on this issues, despite the fact that they confirm my qualifications for the cash back bonus, yet they say it would take 7-10 business day to do research on the reason why you have not been paid. Exh. 2 is a chat print of an ally agent with me on XX/XX/XXXX in which it is stated that I have been qualified for the cash back bonus and that it would take 7-10 business day to get the money. 
However, this sounds to me fishy as to why it should take 7-10 business day to deposit the money into my account while it was supposed to be done by XX/XX/XXXX. 
I ask them to pay the bonus and then do your research about your software problem. 
They are not listening and bushing me around.

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 2019-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have/had all my student loans through Sallie Mae then later on became NAVIENT. I called and told the lender ( NAVENT ) that I was unemployed. I asked them several times to put my loans in deferment/Forbearance but NAVIENT chose not to do it. NAVIENT claims they sent me information which I did NOT received none. NAVIENT defaulted my loans and sold them so they could get pay. I have tried to solve this problem directly with NAVIENT, the department of education Ombudsman Group without success. Despite the fact the Ombudsman Group claims to be an advocate and they help the borrower find a resolution, the Ombudsman Group took sides with NAVIENT and requested to speak with a supervisor since nothing was being done. I was assured my loans will be put on deferment and/or Forbearance since I was XXXX. Later on I found out my student loans were NEVER put of deferment/Forbearance but defaulted instead. My credit has been damaged and impacted severely, I can not even get candy on a loan. I need help resolving NAVIENT 'S negligence and failure to put my loans on deferment and/or forbearance status. I can not even consolidate the loans because they were defaulted and my credit score has been ruined. Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CARD Corporation
State: CA

Complaint narrative:
the issue im having is with CARD.COM XX/XX/2019 XXXX transfer of {$300.00} put onto pre-paid card, they refuse to re issue a new card for me to access the funds. 
XX/XX/2019 i spoke to " card specialist '' who was giving me every excuse under the sun for not being able to re issue a card, there is a hold on my account. an account I havent used in 8 months ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had two withdrawal transactions go against my account. They came in the order of smaller ( {$41.00} ) and then larger ( {$370.00} ). When Chase processed my transactions on XX/XX/19, they processed the larger transaction first, resulting in account overage, then they processed the smaller transaction. They paid for both transactions and then charged my two NSF fees of {$34.00} each. 

I have called Chase on XX/XX/XXXX and spoke to a representative, explained my situation and asked for one NSF fee to be waved. He told me that the bank refused the request. Then I spoke to his supervisor and she told me the same thing.

Company response to consumer: Closed with monetary relief