vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XXXX XXXX, XXXX my loan balance at XXXX XXXX was XXXX on XXXX XXXX XXXX it was XXXX over 300.00 dollars in fees, i callled them to explain i was in XXXX XXXX XXXX they refused to take fees off they are discharging accounts in florida, this is scam that XXXX XXXX is doing..

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 2017-09-29 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: Credit Plus Inc
State: GA

Complaint narrative:
Unaware accounts and inquiries on my credit account which I have no clue where they came from. I have n't used my credit account in over 20 years. I have attached the accounts down below. The inquiries are fraudulent. If the inquiries are n't removed I will be taking legal actions against all person liable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I filed my claim to ACE Cash Express Refund Program well before the deadline. Now the phone number does n't work and I have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
At XXXX on XXXX XXXX, XXXX I received a phone call from XXXX asking if I was XXXX XXXX . I stated that he was not here. They proceeded to tell me that their company is taking legal action against me in two hours if I do n't call their main hq. I got the phone of XXXX. I called the number and spoke with a XXXX XXXX ( Badge ID XXXX. She stated that if I did not make payment arrangements that I will be taken to court for a debt that is over 13 years old!!! I proceeded to tell her that the debt has been expunged and it is past the statute of limitations. She told me that she is a lawyer and that her company will sue me and alluded to having to face jail time ( debtors prison ) if I did n't settle then and there. I knew this was a scam the more I heard from her. I told her to leave me alone and never contact me again. I proceeded to call the the Maryland AG 's office and file a complaint about her company. I am also filing a complaint with the CFPB and the FTC. My number is on the do not call list for debt collection. Please help!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I 've contacted Equifax & XXXX on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX 2017 came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote Equifax & XXXX asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from Equifax or XXXX even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make XXXX and Equifax stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I closed on the house I currently reside in with assistance by US Bank and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. I was not informed that property taxes would not be included in the mortgage payment. I was notified by the State of AZ county assessor office of taxes owed on the house in XXXX XXXX. I believe this was unjust and now I am having difficulties paying the property taxes every year. If I had been informed that property taxed would not be included, I would have processed the purchasing the house a little more.

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 2017-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WI

Complaint narrative:
I sent {$550.00} to my sons 's fiance on X/XX/2017. The charge for this transfer was {$49.00}. I then had to cancel the transfer because her ID was expired and the local Money Gram rep would not allow the transfer. Money Gram no longer has the option to have someone answer a test question when ID is not available. I cancelled the transaction and detailed the purpose on their questionnaire was that I wanted to send the money to a different person. At no point during this time did any message or red flag come up on the screen to state their policy that it takes 3-10 business days to refund the money that has already been taken out of your bank account ( XXXX XXXX ). It was not until I began the XXXX  transaction that Money Gram was asking me for my debit card again. Since they had my money, and it was not automatically put back into my account, I called the Money Gram number and was told of the 3-10 business day delay. I elevated my concern to the next level and that agent said that they could not change the name that I was sending to and that I had to just wait for the 3-10 days until it went back through the banking system. She told me that Money Gram triggers this transaction quickly to refund but it is the bank that can take up to 3-10 business days until they get the money back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
On XXXX/XXXX/XXXX, I opened a complaint with CFPB regarding three issues with our mortgage service provider, Select Portfolio Servicing ( XXXX ). XXXX closed the complaint with CFPB, even though they only resolved one of the three issues. The FIRST REMAINING ISSUE is my Unpaid Principal and Deferred Principal/Interest balances are still wrong in the XXXX computer. However the combined/Total balance is correct. As of XXXX/XXXX/XXXX, the correct balances are : Unpaid Principal ( {$120000.00} ), XXXX XXXXt ( {$10000.00} ), XXXX XXXX XXXX {$130000.00} XXXX. XXXX Ombudsman Dept. even wrote in their response on XXXX/XXXX/XXXX that the XXXX XXXX should be ( {$10000.00} ), but will not take action to correct it with their cashier department. If XXXX does not immediately fix the account balances, I will be charged more interest than is owed when I make my XXXX XXXX payment. 

The 2nd REMAINING ISSUE is in regards to thXXXX XXXX XXXX of {$10000.00}. Even after obtaining documentation from my former mortgage company, XXXX ( on XXXX/XXXX/XXXX ) detailing the Deferred Interest, XXXX Ombudsman wrote that my Deferred Interest was with my former mortgage company, and when the loan was sold to XXXX, the XXXX XXXX was re-categorized as XXXX XXXX. XXXX said that I had to wait until the Unpaid Principal was paid before I could pay on the re-categorized, XXXX XXXX. I sent an email to XXXX Ombudsman on XXXX/XXXX/XXXX, asking for confirmation regarding a letter from XXXX dated XXXX XXXX, XXXX stating that " Any monies paid towards the {$10000.00} XXXX XXXX will result in a XXXX interest statement. '' Now this letter came directly from XXXX, yet they sent me another letter dated XXXX/XXXX/XXXX saying they had to do further research and it would take another 30 days. XXXX has been researching my disputes since XXXX XXXX. Every time they send a response that is incomplete or incorrect, they immediately close the inquiry. Then when I contact them regarding their response, I have to open a new inquiry, and wait another 30 days. There is no continuity on a case. Once they send a letter to you, the case is immediately closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 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 enrolled in TrusteID after my name and SSN were those in the list of the people who information Equifax managed to lose to hackers. I enrolled in TrustedID program, and received an alert. I logged into my account but there is no proper information on the TrustedID website. It is totally horrendous, useless website that tells you nothing about the credit monitoring or the nature of the alert or which account was impacted. When I called the customer service of TrustedID set up by EquiFax, I was on hold for XXXX minutes and still not able to talk to a representative. How many agents are really there to help the customers. EquiFax is totally callous in its attitude, not providing proper information about credit alerts, and TrustedID service is worthless at best. EquiFax, time and again displayed total lack of moral and ethical values, and totally careless in its response or support aftermath. Federal government must revoke any license for EquiFax to be in business and close the shop. It lost its right to be a credit reporting bureau. We have three bureaus and if you ca n't keep up the trust and safeguard customers, you lose the right to do business. I am totally appalled by Equifax continued lack of appropriate response after losing my information to hackers and not doing enough to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Regarding complaint # XXXX, Ditech 's answer is quite misleading. The payments were submitted as their customer service rep advised. Later, the story changed and electronic payments are now the problem. Which is correct? XXXX never addressed the question of whether my information was sent to another customer, just as another customer 's information was sent to me. I would hope in this day and age, they would be more careful with private information but they sent me another customers papers twice. I would like a written statement from them that my information was never revealed to another customer. Thank you for finally getting to the truth and getting them to admit they changed their platform. I was told several times there were no changes made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, trans union, XXXX and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be XXXX XXXX XXXX XXXX and tired of these company when I 'm a victim

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 2017-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX, XXXX XXXX, experian and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be emotionally mental broken down and tired of these company when I 'm a victim

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 2017-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Someone offered me XXXX dollars for an online good, and once I payed him the money via paypal, he said he wanted to wait for the money to transfer into his bank account, and he said it would take up to XXXX hours, and after I waited this time, he blocked me on XXXX. In the past I have tried to use PayPal themselves to solve the problem, but I never have gotten my money refunded, or a message from the other seller. I originally sent him the money on XXXX XXXX, XXXX and the last time he said anything to me was on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally has restricted my ability to make payments, receive statements, or view applied payments. When I sign in, it says " no vehicles ''. When I have spoken to Ally, they said I can no longer make payments online, but have not been able to tell me why I can not view my billing statements or payments applied. They have provided zero resolution. I received an email that says my billing statement is now available, by yet ca n't see it since Ally restricted my internet access. I also made a payment, and have no idea if they applied it. I 'm entitled to statements and should be able to see what payments have been applied. Attached is a picture of what I see when I sign in, everyone though I have been assured I can view my vehicle.

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 2017-09-29 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: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
received a call from a friend today stating that HSBC called her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that HSBC were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to XXXX XXXX XXXX about a HSBC # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WAFD BANK
State: NM

Complaint narrative:
After discussing the property and current rates with Washington Federal XXXX I signed a rate lock at XXXX XXXX  on XXXX/XXXX/XXXX at XXXX and returned it to the bank. This morning, the bank manager for the branch in XXXX, New Mexico, XXXX XXXX called me and told me they were raising the rate to XXXX XXXX and said that it was because of the size of the property and the number of outbuildings. The outbuildings they are reffering to are non-permanent sheds on the property and the bank manager was aware of both the property size and the outbuildings when she gave me the original rate lock. I told her that I would be issuing a complaint with the CFPB and she said she would try to convince the underwriter to drop it to XXXX XXXX She also told me that if I wanted to proceed with the loan, I would have to accept those terms. We are not in a position to start shopping for a bank again as we are trying to close on this property as soon as possible to get our family of 6 out of a 2 bedroom rental property and have our property delivered from storage. The fact that they changed the terms when they already had all of the information on the property and had offered to let us lock the rate at XXXX XXXX  seems very unethical to me and I would like the CFPB to contact them with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I old the card like XXXX and they add interest of XXXX, of total of % XXXX i call to see if they can reduce the amount to what really i old, and XXXX of the costumer services star talk to me agresive and say he dont care, he dont old money iam who old the money. this happe today at XXXX pm- XXXX/XXXX/XXXX. 

I dont pay any money becaus ethe action of the worker, and i call back to talk to a XXXX  but he refuse to collect the correct amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: REGIONS FINANCIAL CORPORATION
State: WA

Complaint narrative:
I received a letter from Comdata XXXX XXXX, Comdata Inc., XXXX XXXX XXXX, XXXX, TN XXXX, www.comdata.com, XXXX, saying that Comdata is pleased to announce two new improvements to my Comdata Payroll Mastercard. Except that I do not have a payroll card, and my employer does not pay people at all through payroll cards. My check is directly deposited in my bank account every payday. I called the company at the number above included in their letter inquiring why I was receiving this letter if I did not have a payroll card and do not get paid via payroll card. They insisted my employer provided them with my name and address, and I would be receiving a payroll card. I told them I spoke with my employer and this was not the case. I again asked why I received this letter at which time they started asking me for additional personal information such as my employer, which I did not provide. I continued to inquire, and they refused to explain the situation and only repeated many times that my employer provided my name and address and I would be receiving a payroll card - which I repeatedly told them my employer said is not true. Comdata was completely unhelpful at best and directly ducking questions at worst. They ultimately hung up on me rather than trying to get the the bottom of things. I still do not understand why I received this correspondence, which is unsettling with all the credit breaches as of late. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northland Group Inc
State: PA

Complaint narrative:
i try to pay XXXX for this and they refuse, i dont old that much, and they never toll me i can dispute this charges.

Company response to consumer: Closed with non-monetary relief