vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 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: BTH Management
State: OH

Complaint narrative:
I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX , OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
I've disconnected my phone service. Nothing in my account agreement nor the online agreement requires me to have a phone number to access online services. MidFirst sometimes wants to call a phone number as a sanity check. That's not possible for me anymore. One day my online access will be stopped or I'll get a new computer and won't be able to get it restarted.

I've complained about the online calls, and I've asked 8 times for them to remove my disconnected phone number, and they have the idiocy to tell me that I have to " call. '' Seriously, I don't have a phone anymore, and the request was sent while I was logged in securely. My user ID and password are enough to send a billpay to get money out of the building, but I can't get my disconnected phone number removed. What about when they try to call " me '' with that number, and get someone else. They'll expose that I have an account there after I told them the number is no good. 

I think this is unintentional XXXX discrimination, and it must be corrected. I'm willing to bet that more XXXX and XXXX are less likely to have phones and MidFirst 's  policies won't accommodate alternatives.

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 2018-09-13 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: OH

Complaint narrative:
I receieved an email stating I owed money for a payday loan in XX/XX/2017. This happened around the same time I was moving. The day we moved was maybe about 4-5 days before the trash was to be picked up by the city. Documents were thrown away, I am assuming my information could have some how been obtained from my trash. I called the payday loan company and I was skeptical due to the lack of professionalism from the representative. I searched the company and there we two websites under the same name with slight variations in name. I didnt want to give my information over the phone at first due that I felt it was a phishing trick to get my actual information. I also work at a bank which is what stopped me from providing too much information over the phone. I sent in the affidavit and the IC3 form as well. I thought going into a physical location I would be able to get the issue rectified and I was told they work on two different systems. After visiting the location on XXXX in XXXX XXXX OH I reached back out and heard nothing. I now have a collections item on my credit for over {$6000.00}. I believe the original amount of fraud was around {$570.00} XX/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I have called XXXX XXXX XXXX Visa to request a credit balance refund of {$7700.00} refunded to me and mailed to me that Synchrony has been hold on to on a closed account for weeks and i have not received this credit refund check on my account XXXX XXXX XXXX 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 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
I was XXXX from XX/XX/XXXX thru XX/XX/2018. While XXXX am individual accessed my banking information and atm card with the pin number. He began using my account a if it were his own by claiming MY UNEMPLOYMENT benefits and using my account for the direct deposit. He overdraw my account and spent {$2000.00}. I have gotten nothing back. The banking institution refuses to reimnurseme even though i provided proof of everything they asked for.

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 2018-09-13 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: MT

Complaint narrative:
Contacted transunion several times about not updating my student loans from deferred to non deferred. They tell me to contact lender I have se real times the last 4 months and le der says and has shown proof of notifying the change. Transunion pretty much calls me A liar and hangs up on me everytime. Half the time you cant understand the people. Why is our government allowing a company outside the united states to monitor Americans credit history?

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 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: NJ

Complaint narrative:
this company, XXXX XXXX, and their billing partner, XXXX XXXX XXXX, continually calls me to collect a gym debt for a closed account. I had to even go so far as to have my credit card block their attempts at charging me membership fees after I cancelled. They continue to call me at my place of business and it's pure harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC BANK HAS STOPPED SENDING ME STATEMENTS EFFECTIVE XX/XX/2018. I DID FILE BANKRUPTCY 7 YEARS AGO BUT NOT ON THEM. SPOKE TO SOMEONE FINALLY YESTERDAY THAT SAID THEY INSTALLED NEW SOFTWARE AND ANYONE IN BANKRUPTCY WILL NOT RECEIVE A STATEMENT. I TOLD THEM I NEVER FILED ON THEM. PNC SAID IT IS NOT LEGAL TO REQUEST PAYMENT ON A DEBIT ... ..ETC. I SAID BUT FOR 7 YEARS THE OLD SOFTWARE SENT ME STATEMENTS???? U TOOK MY MOMEY??? HE HAD NOTHING MORE TO SAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I was notified through my credit monitoring that I had a derogatory mark placed on all 3 of my credit reports. After viewing the account, I noticed Waypoint Resource Group had placed a collections account in the amount of {$200.00}.

I never received a Validation Letter to dispute this said account. So I called them directly and was told that it was my responsibility to contact the original creditor and validate my debt with them, which I believe is not my responsibility to do so, its the debt collectors.

I did research on Waypoint Resource Group on XXXX reviews and found that there is multiple people complaining about them just placing collection accounts without any notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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 have two collection accounts on my credit file that are fraudulent. Equifax is allowing this miscarriage of justice. XXXX XXXX once said, injustice anywhere is a threat to justice everywhere. Equifax is only concerned with promoting their BRAND. XXXX XXXX XXXX/XXXX XXXX, and XXXX XXXX XXXX. has ruined my life. 
I can not get a V. A. Loan because Equifax is permitting these horrendous, horrifying, and horrific deeds. This is 100 % identity theft and Equifax ; XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX does not care. C.F.P.B. must protect me from these bandits. It is all about their BOTTOM LINE. 
Each time these items are removed XXXX, XXXX/XXXX XXXX puts it back on my credit report, and Equifax is sanctioning it. They are trying to collect a debt that is not owed, fraudulent, and it should not be reported to my credit file. I have a police report! As a Veteran who fought for this country, and a XXXX XXXX XXXX XXXX they are treating me like the scum of the Earth. 
Please help protect me against these atrocious, and unspeakable parasites of a company. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I received a notice only one time stating I owe a debt. I never received a bill. I don't know what this debt is about. I sent in a certified letter requesting more information about the company and debt. The address leads back to the creditor. I don't know what this is about and I am disputing it.

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 2018-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I believe the school has falsified my information to get me approved for a loan for school. I explained that I did not have a job when applying for school. I was told it was not a problem now that I am in school I am constantly being harassed and threatened about the monthly payment I am supposed to be making while in school. I have been told I will not be able to get my diploma unless the monthly have all been paid when I complete the course. I know of several other students who have the same complaint. I was not aware of the terms of the loan I feel I was misled and I would like clarification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: SC

Complaint narrative:
Between XXXX and XXXX, without action on our part or notice from them, bank of the west converted our free checking account to a fee based one, and this month started charging us a service fee.

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 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
I am extremely frustrated. 

We closed on our home in XX/XX/2018. 

We successfully " re-cast '' the loan with loanDepot in mid to late XX/XX/2018. 

But since then, the company has failed to process our XX/XX/XXXX and XX/XX/XXXX payments correctly. The monies are sitting " suspended ''. 

And we have received three letters indicating that we are delinquent. The company has threatened us with late fees and with a negative credit report. 

As the loan history clearly indicates : our payments were made in full and on time. It is absolutely absurd for them to claim that there was any error on our part. 

Since my receipt of the first delinquent notice, I have made more than five phone calls to the Customer Service Department. Each time, I am advised that the company is aware of the problem. They tell me not to worry. All I need to do is call back in 48 hours and they will confirm that the problem is resolved. But it is now one month later. And the problem still has not been resolved. And I continue to receive incorrect delinquent notices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 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: LEXISNEXIS
State: OH

Complaint narrative:
Report received from LexisNexis has information that belongs to XXXX XXXX. This information is on XXXX XXXX and XXXX XXXX reports from Lexis Nexis. 

XXXX XXXX neither one of us. This incorrect reporting has caused our insurance to excessively higher, quotes higher and denied insurance. Insurance agent called XX/XX/XXXX saying it Show XXXX and XXXX as the same person. I advised them to look at the birth dates, XXXX was XX/XX/XXXX and XXXX is XX/XX/XXXX. Only after that she recognized the birthdate wasn't XXXX XXXX. This has caused serious financial hardship. I will be speaking with an attorney for legal action to recover financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
RS CLARK AND ASSOCIATES ARE RIDICULOUS! AND ARE REPORTING INACCURATE INFORMATION AND FRAUDULENT INFORMATION ON MY CREDIT REPORT. THEY ARE VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT AND THIS IS MY ONLY WARNING! I RECENTLY JUST CHECKED MY CREDIT FILE AND SAW A NUMBER OF FRAUDULENT ACCOUNTS THAT I HAVE NO KNOWLEDGE OF! FOR SOME REASON I CAN'T GET THEM ON THE PHONE TO SAVE MY LIFE! I ASK THAT THIS COMPANY CEASE AND DESIST ALL COLLECTION ATTEMPTS AT THIS TIME I AM GOING THROUGH A CRISIS BECAUSE MY INFORMATION HAS BEEN STOLEN AND THIS IS A FRAUDULENT ACCOUNT! I HAVE ALREADY NOTIFIED THE IRS, TEXAS ATTORNEY GENERAL, CONSUMER AFFAIRS, AND ALSO I AM NOTIFYING YOU AGAIN TO CEASE AND DESIST ALL COLLECTION EFFORTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I first reached out to diversified consultants back in XX/XX/2016, asking them to provide me with the original contract with my signature, because this debt is not mine. They then in XXXX provided me with someones phone bill with my name name on it. I then advised them again in XXXX to please provide me with the information I requested and at this time I also advised them that there was no way this debt could be mine because I was in the va XXXX XXXX XXXX XXXX at the time the dates are listed on the phone bill provided. To this date I have not heard a response. This needs to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 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: TX

Complaint narrative:
I XXXX XXXX am writing to request a correction of the following information that appears on our XXXX, XXXX, and TransUnion Credit report : My husband XXXX XXXX XXXX XXXX and I XXXX XXXX would like to pay the debt in half or have these listed below removed from our credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX - Amount - XXXX $ Phone number- XXXX XXXX XXXXXXXX- Amount- XXXX $ Phone number- XXXX $ XXXX XXXX- Amount- XXXX $ Phone number- XXXX XXXX XXXX XXXXXXXX XXXX- Amount- XXXX $ Phone Number- XXXX XXXX XXXX XXXX- Amount- XXXX $ Phone Number- 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 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America refused to dispute a charge that I have a receipt for that shows I should have been charged in XXXX dollars and not U.S. Dollar. I have proof which they will not accept and they told me they can not do anything about it. I spoke with a claims representative and a supervisor and they both refused to make a claim to get the correct amount adjusted. They charged me a transaction fee but would not look at my receipt for the transaction exchange rate on that date. They told me its correct. But I told them it was not.

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 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore Loan Management Services refusal by Rushmore to appraise house for cancellation of PMI I have written 3 letters to Rushmore as per their instructions, requesting an appraisal of my home to cancel the PMI. Each time I send in the request, they arbitrarily deny it, stating my home value is not 20 % value to loan. They are refusing to appraise the house for its new value post improvements. Each month I continue to lose money because my loan " service '' refuses to provide service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago : - XXXX XXXX XXXX XXXX = {$2100.00} - XXXX XXXX XXXX XXXX = ( Closed ) - XXXX XXXX XXXX XXXX ( Closed ) - XXXX XXXX XXXX = {$130.00} I also have some hard inquiries on my credit report that I did not authorize as well : XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XX/XX/18 - XXXX XXXX XXXX XX/XX/18 - XXXX XXXX XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck. They just want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: MA

Complaint narrative:
For two years I have submitting docs to Phh mortgage to obtain modification. They just kept asking for more docs. On XX/XX/XXXX I received denial of modification because they refused to use a portion of my income and r refused to offer an opportunity to appeal. Also the desktop appraisals they keep using are highly inaccurate. I see no real report just a value that is more than {>= $1,000,000} over value I need to stop this foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
For the last few months there has was not payment due there was all XXXX nor minimum payment all XXXX. I began making payments on my own in XX/XX/2018 for {$50.00} then another payment XXXX XXXX for {$41.00}. When I saw a payment due for {$17.00} for the end of this month on XX/XX/2018 I call and enquired. I was told I did not make a payment this month and that I had to pay. I was upset as each time I call I get a representative with a smart mouth. The representatives talk to me like I am XXXX as though I can not add or subtract and I by no means know what I am talking about. I have before tired of the insults. I have proof that I paid when I said I paid and I wish I would have captured a screen shot of the PenFed account page as further proof but it is long gone. ( see attached transfer to PenFed from XXXX ). 

In addition I believe PenFed owes me transfer fees for the transfers made to XXXX XXXX. There were several delays in transferring the money to pay off the high interest rate card and the INTEREST CONTINUED to ACCRUE for MONTHS, by the time the transfer was completed I had secured funds from another financial institution. I believe it is around {$430.00} PenFed owes me. I am positive there should be notation on this account regarding a three way conference call with XXXX about XX/XX/XXXX or XX/XX/2018. If not I am positive XXXX XXXX has this information. The delays in transfer cost me and it appearing this issue with this account is proof as to why there were disturbances within PenFed system. The last representative I spoke said you was behind. My thought is why should I be subjected to these frustrations because of PenFed system issues?

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