vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
During the Dismissal of our Bankruptcy, our Mortgage was with XXXX. They moved our loan to Sertiviced Loan Servicing.  This is when our trouble started. The company fails, over and over to answer our questions. If they write us, is just with a letter that is not applicable to our concerns. Our mortgage payments have been made on time. They have made arrangements that we are paying for without our approval. The amount owed, seems to go up instead of down. They claimed our escrow account was behind over {$3000.00}. Our escrow comes from the monthly payments. We have a 4.5 % account. We pay {$1100.00} and then when we had the problems with the escrow, they reduced the payments to {$1000.00} Does that make sense? On XX/XX/2018 the outstanding principal was {$180000.00} Now the amount owed to be able to refinance with a better, reputable company is {$200000.00} plus. No explanation given. Why a company that seems to do everything illegal to scam the consumers has not been fined, made to do something with the outstanding accounts, etc. They get away with anything, but nobody stands to help us consumers who are seniors, living on retirement as well as our young generation that keeps fighting with no solution, just like we are talking to the Wall.

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 2018-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: UT

Complaint narrative:
I have Opted Out of overdraft protection with US Bank. Despite this, a debit card transaction of {$29.00} was allowed to go through when my account balance was {$8.00} and the transaction should have been declined. It was not an automatic or recurring payment, and was not an ACH payment. 

I was then assessed a {$36.00} overdraft fee for that transaction. In addition to this, two overdraft fees, each one {$36.00}, were assessed on the two preceding transactions. The online overview of my checking account shows that I had sufficient funds to cover those two transactions, which left with the {$8.00} balance.

In total, I was charged three overdraft fees for a total of {$100.00}. I did not authorize the bank to approve transactions when I had insufficient funds. Because of this incident, I now realize that there are probably other overdraft instances similar to this, as my account has been opted out of overdraft protection for at least one year. I will now go through my transaction history to see how many of these fees I have paid not realizing they should have never been assessed in the first place.

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 2018-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. 
I did submit all information such as social security number, current address, maiden name date of birth, and full name. 
Also a credit card information, number and security number, although I did contact my bank and block credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am handling the finances for a brother-in-law who has had a XXXX and my sister who has XXXX issues. At some point, perhaps over six months ago Citi bank sent out information that they were going to paperless billing. You were forced to opp out of it. I went online to do so but the procedure was most difficult. All choices led to paperless and if there was a way to opp out, I could not find it. After awhile, it was brought to my attention that their bill was overdue. I called customer service to see what was happening. As an administrator on their account the agent confirmed the bills were being sent to the right address. Because of the XXXX issues and multiple care givers, I figured the problem was on our side. The agent never mentioned the bills were paperless and as readily agreed to changing the mailing address to mine so I would not have this issue again. That action was deceptive as he knew they bills were paperless so why even bother to change the mailing address. He then sent me copies of the 4 months of bills I had not received. There was no mention that the reason I wasn't receiving the bills was that the account was paperless. Again, no bills come. So last night I spend an hour with customer service, as well as with a manager. I explained how I had tried to cancel paperless billing, it was something we never wanted, my sister and her husband have no computer, and no active email. I found out at that point they were sending the bills to her old email and she can't even access it due to XXXX issues. As an administrator on her account the company will let me change the mailing address, change the email address, they will send me copies of the bills after the billing but they refuse to let me change paperless to paper billing. I truly believe this is a scam on our older population. As a result of this policy, there have been repeated late charges and interest on my sister 's account since this new policy was instituted. Citi Bank insists that I, as an administrator, can not change paperless billing to paper billing as it is a security issue. Since I can change addresses and get copies of the bills after they are late, this makes no sense. This policy is fraudulent, and particularly targeted to those who are not computer savy. Paperless billing should not happen without your express consent. It should not be a default policy. And if there is an error in set up, the same person who is allowed to set up in the first place, should also be the person who can cancel. My family is fortunate to have someone looking out for them. How many elderly are being forced to pay late fees and interest on a policy they do not want?

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 2018-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Colten Mortgage, LLC
State: CO

Complaint narrative:
I am XXXX XXXX, writing on behalf of many of my colleagues. 

We continue to encounter Builders in the XXXX XXXX area ( XXXX XXXX & Colten Mortgage, XXXX XXXX & XXXX XXXX to name a couple ) that offer thousands of dollars in incentives to buyers if they use THEIR lender. In most cases, the customer pays more in origination fees & points and gets a higher interest rate but they feel like their hands are tied. 

Can you please help us to understand if this practice is legal? We really don't understand how it could be? Can the CFPB please confirm the legality? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2018 I purchased a brand new XXXX from XXXX using my XXXX  XXXX XXXX credit card for a total of {$590.00}. The item number on XXXX is XXXX. The PayPal transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to PayPal/XXXX immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I am requesting a reimbursement of my purchase in the amount of {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber
State: CA

Complaint narrative:
I Called Grant & Weber on XX/XX/2018, to setup payments, collector said that the debt is too old they will only accept payment in full or payment in two installments. Advised I can't afford to pay {$1500.00} twice. Said they won't take anything less and if I don't pay it'll adversely affect my credit and they will continue to report that I'm not paying. They suggested I use my tax refund to take care of this. When I advised them I pay taxes and do not get refund the collector said " you pay taxes but you can only afford {$100.00} per month! '' They treated me horribly when I reached out to them in an attempt to pay!

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 2018-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
I NEVER received any documentation from XXXX/Bridgecrest stating that the car was facing repossession. I made a payment on XX/XX/2017. When I woke up the morning of XX/XX/2017 the vehicle was gone. I have NOT received ANY documentation from XXXX/Bridgecrest about their plans to sell the car. I have NOT received ANY information that they have disposed of the vehicle. The ONLY communication/documents I received from XXXX/Bridgecrest was a redemption and reinstatement form back in XX/XX/2017 dated XX/XX/2017. And it stated to redeem the vehicle to pay {$14000.00} and to reinstate pay {$2300.00}. They have placed this debt on my credit reports for XXXX without following the proper federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: GA

Complaint narrative:
XXXX # XXXX {$530.00} & XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
A notice of cease and desist, as well as a reuest for porrof of contract was sent to Transworld Systems , Inc. on XX/XX/2018. However, they refuse to respond. Instead harassing and contacting me everyday a couple of times a day since the date listed on the notification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2018 I purchased a brand new XXXX from XXXX using my Bank of America credit card for a total of {$590.00}. The item number on XXXX is XXXX. The XXXX transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to XXXX/XXXX  immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. I then submitted a complaint to Bank of America credit card to dispute the transaction. After this I submitted substantial proof to show that the transaction was fraudulent. Bank of America responded and said that my money would not be reimbursed. 
Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I submitted disputes as timely as I possibly could considering the fact that the phone being non functional was completely outside of my control. There's no way that I could have known that the phone was not going to work at any point in time because it's failure to operate is the result of the seller 's misleading information and fraud about the phone 's being fully paid off. I am requesting a reimbursement of my purchase in the amount of {$590.00}.

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 2018-12-31 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: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of this listing. There is no valid claim ... account was settled with original creditor ( Debt can not be collected twice ) ... grave errorfalse  claimsand reportingI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I can not get into acct bc my info does not match

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of this listing. There is no valid claim ... account was settled with original creditor ( Debt can not be collected twice ) ... grave errorfalse claimsand reportingI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2018-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates attempted to collect a debt ( XXXX XXXX XXXX for {$700.00} ) from me which I had no knowledge of, upon contacting them I asked for validation of the debt but after several attempts no one could provide me with supporting documentation that this was my debt. They continued to tell me that the debt was sold to them therefore they have no other information. I disputed this debt with PRA and credit bureaus ( XXXX, XXXX and XXXX ). In XXXX of 2018 I received a letter from PRA saying that after investigating, they were closing the account and will notify the three major credit reporting agencies to delete the account. The account was deleted off all the credit reporting agencies. About a month or so later I started receiving threatening calls again from PRA about the same account. I explained that we have already discuss this matter and it was taken care of. I spoke with several people from PRA and they just continued to threaten and harrass me. They would call daily from sun-up to sun-down. Shortly after this account was placed back on my credit reports. I have tried disputing this again. I have screen shots of the collection being deleted from bureaus, along with disputes from the credit bureaus showing that indeed this account was deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have a Mercedes benz XXXX convertible. The convertible top got damaged and my insurance is will to pay XXXX $ to get it replaced. The only problem is the part is on back order.

It has been more than a month. Mercedes dont have ETA. They are not able to give me ETA. They dont wan na give me a new car. They dont wan na stop my payments.

Simply I am paying for a car that is not in my possession with no promises when they get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: CA

Complaint narrative:
I have had problems creating a myequifax.com account. I have submitted multiple complaints regarding this issue. Equifax still has not addressed the issue. Instead, Equifax claims that I complained about inaccurate information on my Equifax credit report. This is untrue. I have not complained about inaccurate information on my Equifax credit report. 

Now, when I contact Equifax, Equifax requires that I supply the information regarding the " inaccurate information '' on my credit report before anyone will talk with me about my credit file. Since I never made a complaint regarding inaccurate information on my credit file it is impossible for me to provide this information. Thus, Equifax has made it impossible for me to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had several calls and mail correspondence about credit cards from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and Chase. XXXX and XXXX XXXX have been approved despite me not ever having talked with the company. I'd like to end all credit cards taken out in my name in the past month.

Company response to consumer: Closed with explanation