vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Ditech is holding {$160000.00} of the insurance companies money. It belongs to me and to my contractor so he can repair my home from a fire that occurred in XX/XX/2018. Ditech has had the money for months which they insist I sign and endorse my part of the check so they could cash it. Now they are keeping it and won't give it to my contractor who has been paying for everything since XX/XX/XXXX. How is this allowed to happen. Ditech is the worst mortgage company on the planet and nothing is ever done about it. Why? I have filed other complaints on them and they are not required to respond and they just go on providing pathetic service, keeping money that doesn't belong to them, and they also don't allow you to pay additional monies prior to the due date online on their website without displaying incorrect loan information. Now Ditech is holding up the process of rebuilding my home and I am almost out of additional living expense and I need to move back to my home asap. I hope someone can help. I also owe very little on my home, approximately XXXX and it is worth over XXXX. Why is Ditech holding onto money that doesn't belong to them when I own the vast majority of my home. Why are these rich companies allowed to take advantage of consumers on a daily basis? Just another example of what goes on in America with no consequence for their actions. I am forced to move the remaining loan balance to another lender immediately in an effort to get away from Ditech. In my personal opinion and experience I consider Ditech a predator. I will never have another mortgage in this lifetime. I am tired of not having any rights and be treated unfairly. It's very unsettling and disappointing. I thought America was better than that but maybe not ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).  This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) AR Resources , Inc failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX  v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 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 2018-11-30 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: OH

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor  is who collects their on debt is considered a debt collector under FDCPA.XXXX v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX  ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 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 non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/18 I contacted Paypal about a dispute I currently had open and they didn't provide much information due to the fact the my credit card company was handling it. Shortly after at XXXX XXXX I received a email stating that I can no longer use PayPal services. Paypal is in violation of withholding confidential information as well as illegally enforcing their user agreement that has not been violated in no circumstance. I will be forwarding this information over to the State 's Attrorney General 's Office as well as the Federal Trade Commission. PayPal has a known reputations for these allegations and I will obtain legal representation regarding this case is this matter isn't resolved in a promptly manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # 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 non-monetary relief
Consumer complaint received 2018-11-30 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:
I did not authorize anyone to misreport any information on my credit history.. Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX XXXX, XXXX  XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # 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 2018-11-30 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize anyone to misreport any information on my credit history.. Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX XXXX, XXXX   XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, 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 2018-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I contacted the XXXX  also goes by " XXXX XXXX XXXX XXXX  WI, XXXX ''. It is also believed that they go by " Cashnet USA ''. A few months ago, I reached out to their customer service phone line and requested to have information relating to how much the remaining balance was for my loan. They said at the time I called that I owed {$780.00} dollars. The loan that I took for an emergency move into an apartment was for {$1000.00}. The term of the loan began on XX/XX/XXXX when I received that money into my bank account. Due to my limited income, I requested a reduced payment plan and the only way I was given the loan was to provide my banking account information upfront and to agree for deductions in the amount agreed upon prior to taking out the loan. I was in a desperate situation to avoid homelessness, so I was forced to accept this agreement. My personal bank was refusing to lend me any money due to my credit. From XX/XX/XXXX to XX/XX/XXXX ( today ) I have made every payment on time as scheduled for the agreed upon amount of {$62.00}. This means that for 507 days, I have remained in good standing for paying off my loan. This amount of 507 days is equal to 1 year and 4 months worth of payments. The last date of my payment is listed as XX/XX/XXXX. This date is over 2 years after originally taking out the {$1000.00} loan. I, the consumer, believe that this is unfair treatment for someone who has paid off their loan on time for nearly 1.5 years. The consumer would like to have the remaining balance of {$660.00} ( as of today ) forgiven immediately. The consumer would also like the remaining balance of payments made beyond the cost of the principle balance refunded to him because it was not clear that the agreed upon payment would take over a year to pay off. 

The annual percentage charged was 148.09 % for the loan. Payments have been made on time on a bi-weekly basis. The amount of the loan on XX/XX/XXXX was {$1000.00} but the total amount I am expected to pay by XX/XX/XXXX will be {$3200.00}. This means that I as a consumer will have paid an additional cost of {$2200.00} despite making EVERY payment on time for a period of 507 days. The consumer was not properly informed that such exorbitant chargers would occur for individuals who made payments on time.The consumer believes that the additional cost should be refunded back to him upon the completion of the loan if nothing is resolved prior to the loan being paid in full.. The consumer believes that even if proper information was provided to the consumer, that such practices of market cost should be deemed as illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
Submitted a credit inquiry application without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Submitted a credit inquiry application without my permission

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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: AL

Complaint narrative:
Submitted a credit inquiry application without my permission

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 2018-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc.
State: OK

Complaint narrative:
I have no knowledge of this 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 2018-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
While shopping for new appliances on XX/XX/XXXX at sears.com I was offered 10 % or up to 18 months interest free if I applied for and used a Sears store card. I used the provided apply and use now " button ''. I completed the application process and was given a credit line of XXXX by Citi bank After doing so it asked me for the full account number, expiration and security code. None of witch were provided to me. I attempted to log into the credit card site it wanted the full account info, expiration and security code to proceed. 

I called Citi bank. They told me I would have to wait for the physical card to make a online purchase. I explained to them that I was offered a discount and applied to use the card now. They informed me that I had to wait for the physical card. I could use the account only in stores by having the cashier look up my account with my social security number. I asked to speak to a manager and was placed on hold and after 10 min was either hung up on or got disconnected. 

I called back and was told by this person that Sears online would have to deal with this and was transferred over to them..The person I talked to immediately transferred me back to Citi bank. I explained the situation to this poor rep and asked to be transferred back to Sears online customer  service and was hung up on or disconnected. 

I then called Sears Online and explained the situation to the rep and asked for a supervisor. The reason I gave was that I was offered 10 % or no interest for applying and using a Sears card. That I had been informed that I would not be able to use the account without the physical card. I wanted to know if I purchased the items would they be willing to give me a 10 % discount or would they be able to reverse the transaction and put it on the account when I did get the card. I was asked to hold, after 20 min I got a automated message in Spanish ( which I don't speak ) and hung up on. 

I then called Citi bank again I told the rep that I wanted the account closed and it reported that it was opened under fraudulent circumstances. I explained to the rep that I was offed a substantial financial incentive to open the account. A incentive that was not honored. The rep stated that I willingly opened the account so it was not fraudulent and that it was not Citi bank 's responsibility that the terms were not honored. They then closed the account, told me to have a nice day and hung up. 

All this took 4 hours of my day. I did order my items off Sears.com with  my debit card. 
Citi bank now has my complete info with wages etc.and I took a hit to my credit score. No parties feel obligated to honor the original promotion that started this mess.

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 2018-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I created a PayPal account because I needed to sell tickets to an event I could no longer attend. I created the account very easily able to link my debit card to PayPal. When I tried to link my bank account I experienced numerous issues and had to call PayPal ( waited 45 mins on the phone ) for them to have someone link the account for me. 

When the money was transferred into PayPal when I sold the tickets I tried to transfer the money to my bank account. I received an error message saying they could not verify it was me. I then tried using the PayPal app on my phone.. .again, same issue. 

They purposefully make it difficult to transfer money to your bank account to avoid the 1 % fee they charge if you transfer to your debit card. You then have to call the XXXX number and wait on the phone for 45 mins ( at least ) to speak to someone to have them transfer the money to your account. 

This is a terrible company and one that I would suggest get flagged by regulators. All one needs to do is type in " PayPal Reviews '' in XXXX to see the frustration we all experience. If I had another option on XXXX I would utilize that option but they do not give you another option aside from PayPal. 

They purposefully want you to keep money in the PayPal account so that you buy and sell goods using that account. I am beyond frustrated with them and again point you to numerous complaints on the internet to learn what we all know - they should not be in business... I'll even give you the link : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Glasser and Glasser , PLC XXXX XXXX XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with XXXX XXXX. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do XXXX  XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware XXXX XXXX  has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and XXXX XXXX  for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a XXXX XXXX out of state if this case is not dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
On XX/XX/2015, I recieved a collection notice of {$640.00} from XXXX in which I never had a account with. I contacted XXXX and found out that I didnt have a account under my name. I didnt know I had this account until I checked my credit recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation