vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
credit consulting services XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX is attempting to collect on medical debt that was included in BK back in 2012. They are reporting 9 collections on my credit report every month causing my scores to drop. I called asking them to remove these erroneous collections instead they asked for my current address, employment, phone numbers all supposedly for the purpose of verifying the account and my identity and NOW i'm getting calls at home and work at XXXX and all they day to XXXX or XXXX at the evening from harassing and rude collectors of theirs attempting to collect debt and this morning XXXX XXXX collection agent from credit consulting services stated she has a sheriff heading to my house if I didn't pay her the money ... and I would be arrested ... how is it even legal these days to harass citizens this way ... please help me stop this non sense ..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
there are several account reporting under my credit file, on the equifax credit bureaus agency, these are fraud accounts i did not apply nor given permission to anyone to inquire or apply to these inaccurate accounts and fraud accounts, i have written before and i will write again in order for me to see results for equifax, please i will be attaching my police report and the FTC report which i have provided equifax several times, but they have not been able to help me what so ever, i have applied for XXXX job they i was not hired because of this issue. please i need you r help in order for these inaccuracies and fradua accounts to be removed from my credit file thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On my XXXX credit report, it shows two collection accounts that 1. Was paid by an attorney for a car accident insurance settlement 2. I have never received a statement showing that it had not been paid in full by my attorney 3. I believe these accounts were removed from my credit report and have now reapppeared.

The two collection accounts are as follows : A. XXXX XXXX for {$240.00} B. Commonwealth Finance for {$320.00} I can not get any information from the credit bureau regarding these accounts. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank mailed us a cash bonus offer to earn {$500.00} by depositing {$15000.00} in a qualifying checking account for 90 days. We went to the nearest branch on XX/XX/2018 and signed up with the banks representative. The rep suggested my wife also open a second checking account with another {$150000.00} to earn an additional {$400.00} dollar bonus. Around XXXX a {$100.00} bonus appeared on my checking balance. That left us {$800.00} short. It's been over 7 months now. I called the bank representative and she said they would look into it. She reported we were not getting the bonus money because ( surprise ) we needed to open a savings accounts too. This was never mentioned before. I searched the fine print and it states one can open " either/or '' checking or savings accounts as long as one or the other maintains the minimum balance. 
In short it looks like a bait and switch to gain free use of the money.

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 2019-04-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have no knowledge of these two USAA delinquent accounts on my credit file I have disputed them with the credit bureaus for about a year with no results, please verify the information you have on file about these two accounts listed below Usaa XXXXxx Usaa XXXXxx

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: PA

Complaint narrative:
Company attorney claims they have tried to contact me. i have never received anything from them. They are also harassing me while, I am working. I am not allowed to have visitors or calls while at work. They never sent proof or validity of this debt. They claim twice, someone was suppose to come, a man from XXXX   XXXX service to have forms signed. I have never seen such person. I work during the day, no way I am home. Man left a number on my phone, I called that number. The person was not helpful, he was rude, and hung up. He would not listen to me. I kept explaining to him, I am not home to sign a form. He attempted to bully, and scare me saying they will garnish my wages, out a lien on property, and or have a judgement. I have just my income, taking care of my XXXX wife, XXXX   parents, and XXXX teenagers. All my bills are behind. Either we are homeless or pay them. I will choose to keep a roof over my family head, and help my XXXX parents. If in fact this debt is mine. I can't pay what they are asking. The number I called was XXXX. This number says they are representing XXXX. I believe XXXX XXXX XXXX XXXX, OH XXXX is the corporate office at XXXX. They also have a local office in Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I previously submitted a closed CFPB complaint regarding switching to a different income repayment plan ( from IBR to ICR ). ( Complaint XXXX. ) I spoke to a specialist because I was misinformation : a previous representative told me I could verbally consent to changing the plan. She never mentioned that I had to submit paperwork. Because of the misinformation I was provided, the specialist I spoke to named XXXX, told me that I should submit the form as soon as possible and she would make a note in the file to have my request expedited. 

On Monday, XX/XX/XXXX, I faxed the paperwork. On Thursday, XX/XX/XXXX, I was told they did not receive my fax and that I should upload the form to their website. On Friday, XX/XX/XXXX, I uploaded the form to the website. Later that evening, I received an e-mail that my request was processed. In my file it showed that may request was approved and my monthly payment was reduced ( see attached ). However, this morning I received another e-mail about my request being reviewed and the review would not be completed until XX/XX/XXXX -- two days after my next payment. 

I called regarding both e-mail correspondences because they are conflicting. I explained to the representative that my request was uploaded and approved ; they might have received the request I previously faxed, which they should have disregarded -- not process the request over again. I was told I would still have to do a month of forbearance and pay a minimum of {$5.00}. Then why expedite my request? Also, why not refund a partial payment for this month as my forbearance month and allow me to start the new plan next month? There entire situation was caused by one of their representatives. If she would have given me correct information, I  would have sent in the required documentation immediately, and XXXX would have been my forbearance month. 

Additionally, the amount that they quoted ( {$420.00} ) in the closed complaint is different than the amount they calculated in the letter that is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliver Beach Mortgage, LLC
State: FL

Complaint narrative:
I am filing a complaint because I have received an FHA loan approval on My home. 
The loan approval is not in my name, I did not apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
amount is not mine and have no contract with this company and they not have my signature I have never did any business this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are taking too long to complete my credit investigations. I submitted requests back on XX/XX/XXXX, and I have yet to receive my completed investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Carrington Mortgage Services has employed accounting practices that maximize the interest accrued on my mortgage rather than paying down my principal. I intentionally pay extra every month in order to minimize the interest I am paying, but Carrington 's policies and practices will not allow this by default. 

This mortgage was originated in XX/XX/XXXX and has always been current and in good standing. 

Details : Carrington Mortgage Services purchased my mortgage from XXXX on XX/XX/XXXX. Since then I have made 3 payments of {$3000.00} each on XX/XX/XXXX ( due XX/XX/XXXX ), XX/XX/XXXX ( due XXXX   XXXX ), and XXXX XXXX ( due XX/XX/XXXX ). Each of the {$3000.00} payments sent to Carrington included ~ {$1100.00} excess funds which should have been applied to my principal when each of the payments were received.

However, Carrington did not apply the funds as expected. 
( 1 ) for the XX/XX/XXXX payment, Carrington applied the funds as expected with excess payments being applied to principal. However, this payment was reversed and reapplied on XX/XX/XXXX with the excess payment ( {$1100.00} ) being swept into " unapplied funds ''. Carrington only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. 
( 2 ) for the XX/XX/XXXX payment, Carrington also only applied the MINIMUM payment to my principal for the bill due XX/XX/XXXX. The excess payment ( ~ {$1100.00} ) was swept into " unapplied funds ''. OnXX/XX/XXXX, the balance in " unapplied funds '' was then used to pay the mortgage bill due XX/XX/XXXX. Again, the MINIMUM payment to principal was made. 
( 3 ) for the XX/XX/XXXXpayment, Carrington swept the entire payment to " unapplied funds ''.

Under my former lender, my principal decreased by ~ {$1200.00} per month but under Carringto
n they are only allowing my principal to decrease by {$450.00} per month. 

I have called Carrington weekly to try and understand the situation. Carrington has been able to explain their practices, which are the root cause of this problem. The only solution that Carrington has to offer is to watch the account and then call them if I do not agree with how they have applied my payments. 

It is clear that Carrington is applying my payments in a manner to maximize the interest accruing on the account while leaving my extra payments in a non-interest-bearing " unapplied funds '' sub-account. Basically, I get no value from sending extra principal payments and they get all reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have been a member in good standing of PayPal since XXXX. I do not have any chargebacks nor any complaints. Out of the blue on XX/XX/XXXX PayPal decided to put a permanent limitation on my account. Essentially freezing all my funds and not allowing me to use their service anymore. 

What I would like to know is what do they think I did? I reviewed their Acceptable Use Policy and can find nowhere that I have violated it. They are holding over {$2700.00} of my funds that I am not able to access for six months. I need this money so that I can continue running my business. I do not think it is fair to banned me from PayPal especially when I have not committed any crimes. 

I contacted PayPal and told them I would like to start an appeal. All they did was send me back another form letter saying that I violated their acceptable use policy but did not indicate what specifically I violated. There have been many, many other people that have been terminated under false pretenses all over the world. This is a common complaint about PayPal. 

Again I have no complaints against me, no chargebacks and Ive had zero issues with PayPal from the beginning. 

I am a small business owner and it is unconscionable that PayPal without warning, decides to hold my business and my money hostage. If you can please look into this I would be very grateful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are taking too long to complete my credit investigations. I submitted requests back on XX/XX/XXXX, and I have yet to receive my completed investigation results.

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 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no knowledge of these two XXXX delinquent accounts on my credit file I have disputed them with the credit bureaus for about a year with no results, please verify the information you have on file about these two accounts listed below XXXX XXXXxx XXXX XXXXxx

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 2019-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
We are attempting to refinance our home. Our current mortgage is through Specialized Loan Servicing. We requested to refi our current loan with them and they said they do not originate loans in Nevada. We then contacted a local bank and are in the process of doing the refinance with them. The title company ordered the payoff from SLS on XX/XX/XXXX and as of today, XX/XX/XXXX, we still do not have the payoff. We have been calling SLS since XX/XX/XXXX trying to get the payoff and they have said that because our home is in Nevada, they have to manually create the payoff and that we are in the queue. We have spoken to reps nearly everyday from SLS, many have said that they are waiting for some kind of Addendum to be able to produce the payoff and some have even said it is already done and has been sent. We have escalated this situation multiple times with SLS and are always assured they are working on it. Our loan rate lock is about to expire and it will end up costing us money, as the rates now are higher. We feel that SLS is not in any hurry and is going to ultimately cost us money and/or cause us to lose our loan completely due to their own internal issues. We are not sure where else to turn, as they refuse to give us a corporate phone number and we aren't sure where to turn.

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 2019-04-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax asking them to correct mistakes on my credit report. They were supposed to conduct investigations, and respond within thirty days. They have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
XXXX XXXX XXXX Contacted company they failed to verify the debt.

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 2019-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On 4XX/XX/XXXX My paycheck was garnished for student loan defaults. When I called the government agency involved I was told that my debt had been passed off to a debt collection agency and that the situation was completely out of their hands. I then reached out to the company to figure out what was going on. I asked them why I had not received any notifications about what had happened and that is where it turned bad. They said that they had been attempting to contact me at an address that I had never heard of and that they refused to do anything other than continue to garnished my wages. I told them I would like to set up a repayment plan and they refused.I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
My loan is with Navient. I stopped the auto pay, even called to confirm it was off of auto pay. They confirmed it was off of auto pay, they still pulled the payment. Once I noticed Navient pulled the unauthorized payment, they told me I did not take it off auto pay. When I talked to a supervisor gave him the date and time I called to take it off auto pay. they found the call log.. When I finally received my money back, I filled a complaint. Now my loan has {$6000.00} + in new interest when I called today Navient told me its back interest from 2013 I then told Navient to explain how all of a sudden I have interest form 2013, he told me that's just how it works. I asked to see in the contract where is the interest information. Now waiting to receive that information. I find it odd after I file a complaint my loan has $ 6,000+ in new fees on it. I have not missed a payment for over 24mo and even made payments when it was on in school deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: CA

Complaint narrative:
XXXX/XXXX/XXXX XXXX  XXXX They are unable to verify the account and requested contact the bureau to delete the item

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