vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a letter from my Mortgage company XXXX XXXX XXXX stating that on XX/XX/XXXX my mortgage will transfer to XXXX XXXX. Prior to the change, it was time for my yearly mortgage analysis and my new payment will start on XX/XX/XXXX to XXXX XXXX. I received a letter from XXXX XXXX on Saturday stating that they did another analysis on my mortgage and they discovered that I have an escrow shortage of {$730.00} already with only making two payments ( the last old payment of {$1000.00} for XXXX and one new payment of {$1000.00} for XXXX ) to XXXX XXXX and my new mortgage payment will increase to {$1000.00} beginning XX/XX/XXXX. Upon receiving XXXX  XXXX XXXX analysis, they give you two payment options to choose from if there's a shortage. Comparing the current amounts of my taxes, homeowners insurance, and my MIP to my new amounts, my home taxes raised {$8.00} per month ; insurance lowered {$13.00} per month and my MIP lowered {$1.00} per month. This is where I'm having a difficult time understanding why and how if certain items have lowered, why an I short {$5.00} per month. They tell me those are projected amounts ( the amount that could be but its really not as of the present time ). If im already paying a projected amount, why do I have to pay for a " cushion ' as well? It's the same exact thing but worded differently. Not only are they charging me extra money but the form XXXX sent me had incorrect information on there. This needs immediate attention and a new form sent to me with all corrections XXXX. Under the section of the analysis where it states the payment breakdown as of XX/XX/XXXX, XXXX and I both told XXXX ( ID # XXXX ) that the amount and the date were incorrect. {$1000.00} is my new amount as of XX/XX/XXXX. In XXXX, my mortgage was {$1000.00}. XXXX ( XXXX ) proceeded to inform us that they can not change any information on the legal documents and I have to keep the incorrect one. Is there some type of protection for consumers for these types of situations? When I received that letter, I immediately contacted HUD and they directed me to find the number to XXXX where I was assigned to XXXX XXXX. We did all that we could to get them to resolve these problems and there was nothing XXXX ( XXXX ) could do for us. I am writing to ask if there's someone that could assist me concerning this matter? I do not have much time to get this resolved being that my new mortgage starts XX/XX/XXXX. Thank you for your speedy response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
On XX/XX/2018- I was loaned {$600.00} via online by Bright Lending. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 524.9996 % - a significantly higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: GA

Complaint narrative:
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - XXXX Data Breach ) ... XXXX XXXX XXXX XXXX :XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX :XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018( Fraudulent Account )

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 2018-11-02 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent multiple complaints about this false account on my credit report from XXXX XXXX. I have requested proof of this account and I am told by the company that they can not provide any proof to me because it was done online, HOWEVER, they can see the application and dates and receipts. All of that information and I can not get proof. Also, he states that the account was sold to XXXX XXXX and I have not received a contact for the exact company they sold it to, since XXXX XXXX has multiple locations.

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 2018-11-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lincoln Educational Services Corporation
State: MI

Complaint narrative:
I went to Lincoln Tech in XXXX, GA in XX/XX/XXXX and I received Financial Aid. I graduated from the school, then a few years later I received a letter saying that I owe the school, but I don't!! I NEVER signed any loans to pay for the tuition, it was all done by Financial Aid. My very first loan was with University XXXX XXXX in XX/XX/XXXX, not Lincoln Tech. Lincoln Tech could not provide any proof that I owe the loan. In XX/XX/XXXX, my wages were garnished by some unknown collection agency called XXXX XXXX XXXX in XXXX, MI on XXXX XXXX XXXX XXXX XXXX. and their XXXX number is # XXXX. I contacted this company to ask them to provide proof that I owe this fraudulent loan, but they couldn't provide anything! The lawyer ( XXXX Something ) even asked me if I attended Lincoln Tech and I told him I did and I graduated but I did NOT fill out a loan. The judge still garnished my wages even though this " lawyer '' and the school showed no proof. This " lawyer '' has taken {$5000.00} from me already without proof that I owe anything. This fake " loan '' is not even on my credit report. On the national loan website ( NSLDS.GOV ), this grant is described as a grant- NOT A LOAN. Please research this and investigate this manner. I've been calling US Department of Education and even they could not locate this fake " loan ''. Lincoln Tech was NO help, because they have no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... XXXX XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I sent an invoice to a customer for payment, which he paid. The customer later went and disputed " unauthorized '' transactions with his bank for charges and admitted via email to me that he did not mean to include my charges with his dispute. I sent the email thread to Paypal where it showed the customer requesting me to RESEND the invoice for the same amount. I resent the invoice and the customer paid it. Paypal then responds saying " the customer did not agree to pay '' and then charged me a {$20.00} chargeback fee. 

As a consumer I am mortified that a company would simply ignore my proof and then charge me for an error that is not mine. I have tried to call and have not gotten thru to anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02 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: FL

Complaint narrative:
My HLOC was transferred from XXXX XXXX to XXXX XXXX XXXX. I made my first payment of {$310.00} to Rushmore on XX/XX/2018 through XXXX bill pay. Subsequestley Rushmore called me and said they had not received the payment. I contacted XXXX and they verified that an ACH payment of {$310.00} was sent to Rushmore and cashed on XX/XX/2018 by Rushmore Rushmore continued their daily dunning calls and said they had not received payment. I obtained a proof of payment form from XXXX and faxed it to the fax number supplied by Rushmore. Rushmore informed me that they opened an investigation into the lost payment that would be completed on XX/XX/2018. 

I continued to receive daily dunning calls. I contacted XXXX and they called Rushmore on three different days and stated that my payment had been cashed. 

On XX/XX/2018 early in the morning I received a call from Rushmore about non payment and they informed me that there is no evidence that they had made any investigation of my lost payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: IL

Complaint narrative:
I was notified that a debt existed with XXXX through me accessing my credit file to discover there was a collection item in the amount of {$340.00} dating back to 2016. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and XXXX both assured me that if I paid the debt it would be removed from my credit report considering it went into collections in error ( without me being notified of the debt ). I paid the balance in full to XXXX who in turn removed the item from collections. This actually made things even worse as the collection item only updated making it a newer item meaning it would sit on my credit even longer! The issue that I am faced with now is when I call XXXX, they say they don't have a file for me ( which I know since XXXX removed it from collections ), however this still exists on my credit file with both Experian and XXXX. I contacted Experian to investigate the issue to have this removed from my credit file only to be told after investigation that the debt would remain. I have called XXXX several times to no avail as well as XXXX who only refers me back to XXXX as they are the ones that reported the negative item on my credit report.

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 2018-11-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did-not Authorize / Authorization the use of credit and/or view or pull credit report, IDENTITY THEFT VICTIM - XXXX   DATA BREACH!!!!!!!!!!!!!!!

Inquirer Name / Inquiry Date / Removal Date / Business Type / Contact Information XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXXXX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX   NV XXXX  ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX  BYMAILONLY XXXX XXXXXX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX IN XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX   BYMAILONLY XXXX  XX/XX/XXXXXX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX FL XXXX   BYMAILONLY XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX   BYMAILONLY

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 2018-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
On XX/XX/2018- I was loaned {$800.00} via online by Amplify Funding. The payments are extremely expensive and due to the recent Hurricane Michael- I am unable to continue making these high interest bi-weekly payments. After researching my options, I discovered that Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money. The current interest rate on my loan is 778.88 % - a significantly higher interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My credit score dropped from XXXX to XXXX with Transunion ( 62 points ) and XXXX to XXXX with XXXX  ( 40 points ) in the matter of two days as a result of paying off a credit card account balance ( which was normally paid off on a monthly basis ) and closing that business credit card account for an entity that was being terminated. I was shocked, and contacted via telephone both Transunion and XXXX  for an explanation of such a drastic decline. Both agencies could or would not supply an answer to my question. Both agencies transferred me to different departments for more information. Again, could not get an answer to my simple question of why, for closing an account that was no longer required, my credit score ( which effects even my insurance rates ) dropped so much. The answers where the same form both agencies, they said in essence : " many factors go into determining your credit score and we can not divulge how the score is determined. '' This answer is unacceptable. These agencies set benchmarks for banks, insurance companies, lenders, credit companies to determine what credit worthiness you deserve and your credit score determines what rate you may pay moving forward, even regarding car and house insurance rates. 

As a XXXX year old I've been eliminating my debts and the more I eliminate these credit agencies, with no accurate information on why accounts are closed are penalizing me. This is unacceptable and in a way discrimination against seniors who wish to not have outstanding debt. I have over a half million in bank accounts, and that does not include very positive home equity balance. But now I don't own a credit card ( have bank debit card ) and my credit score dropped like a rock.

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 2018-11-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did-not Authorize / Authorization the use of credit and/or view or pull credit report, IDENTITY THEFT VICTIM - XXXX   DATA BREACH!!!!!!!!!!!!!!!

Inquirer Name / Inquiry Date / Removal Date / Business Type / Contact Information XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX  BYMAILONLY XXXX XXXXXX/XX/XXXXXX/XX/XXXX Automobile Dealers, Used XXXX   XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX   XXXXXX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXXXX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX   BYMAILONLY XXXX   XX/XX/XXXXXX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX   BYMAILONLY XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX   BYMAILONLY

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 2018-11-02 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: GA

Complaint narrative:
XXXX View All Accounts Previous Next Details Account # XXXX  Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/2018 Account Status Open Payment Status Past due 30 days Status Updated XX/XX/2018 Usage 100 % Balance {$2900.00} Balance UpdatedXX/XX/2018 Credit Limit {$3000.00} Monthly Payment {$100.00} Past Due Amount {$59.00} Highest Balance {$2900.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX  XXXX  View All Accounts Previous Next Details Account # XXXX   Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date OpenedXX/XX/2018 Account Status Open Payment Status Past due 90 days Status Updated XX/XX/2018 Usage 127 % Balance {$380.00} Balance Updated XX/XX/2018Credit Limit $ XXXX Monthly Payment {$25.00} Past Due Amount {$130.00} Highest Balance {$380.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX XXXX, VA XXXX  ( XXXX ) XXXX XXXX View All Accounts Previous Next Details Account # XXXX  Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/2018Account Status Open Payment Status Past due 30 days Status Updated XX/XX/2018 Usage 130 % Balance {$650.00} Balance Updated XX/XX/2018Credit Limit $ XXXX Monthly Payment {$59.00} Past Due Amount {$73.00} Highest Balance {$650.00} Terms Revolving Responsibility Individual

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