vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 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: Mandarich Law Group, LLP
State: NY

Complaint narrative:
I called the Mandarich Law Group New York, trying to settle a debt that was on my report, I spoke to about 4 people om 2 different days and no one knew information about what the others had in my file. I called on Friday XX/XX/XXXX and spoke to a rep XXXX XXXX my original debt was for XXXX, and I offered XXXX he explained to me that he wasn't able to take that amount and during the conversation he offered to XXXX, but all I had was XXXX, he said he was send it to the company he represented and get back to me on MondayXX/XX/XXXX. Also during the conversation Levy added on an extra cost of XXXX saying that was addition cost that was added on for the work done to date. He also stated that I was served with court papers for this specific account, in XX/XX/XXXX, to which I explained I didn't receive, he tell told me that their process server delivered the paperwork to a person named XXXX XXXX and gave a description on a person that did not reside with me. On Monday afternoon I called back but he could not be reached, I spoke to rep XXXX XXXX and he didn't know about this arrangement and only told me that the company would not accept my offer of XXXX, but he will try again and for me to call back in 1 hour. I called back 2 hours later and was told both men I spoke to were unavailable, in which time I stared the process all over again with a rep name XXXX XXXX, who from the beginning of the conversation seemed to be aggressive. He stated that I was served in XX/XX/XXXX and gave the same description as Levy did and when I tried to explain that no one lives there as described and it was also delivered to the wrong address, he told me that I was in default, when I asked why I didn't receive a follow up letter from the law group, he said that he doesn't have to provide me with any further information and that I have to call my county clerk if I wanted more information and anything further that I asked was cut off and I had to call the clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX, # XXXX {$11000.00} ... XXXX XXXX is falsely reporting inaccurate info to the credit bureau ( XXXX ), I disputed the inaccurate info with XXXX  and sent police report I filed when my wallet was stolen. On the updated dispute results I received on XX/XX/XXXX, XXXX stated the company wasn't reporting on my file but I was notified by my credit monitoring service the account was reported XX/XX/XXXX and it's still on my credit report. This is not my account it doesn't belong to me. XXXX is under investigation as we speak for trying to collect on false accounts the company has been shut down for not having license to collect. No validation of this debt as XXXX  has claimed. Please remove this fraudulent account off my credit file thank you. 

XX/XX/XXXX, # XXXX {$12000.00} XXXX XXXX is reporting inaccurate info this account doesn't belong to me I don't have a contract with this company. I've disputed with XXXX every month for the past 3-4 months with no response from the company or XXXX/Transunion  to get this inaccurate info removed off my file. No validation of this debt at all as XXXX has claimed. Transunion never responded o my dispute. Please remove this fraudulent account off my credit file thank you. 

XX/XX/XXXX, # XXXX {$1200.00} XXXX XXXX is reporting inaccurate info on my XXXX and it's a fraudulent account and it doesn't belong to me. I've disputed this account with the company and XXXX with no response or validation of this debt as XXXX claimed. Please remove this fraudulent account off my credit file. 

XX/XX/XXXX, # XXXX {$330.00} XXXX XXXX is reporting fraudulent info on my credit file. Not my debt I have disputed with XXXX  with no response I asked for validation and have yet to receive it. This is a fraudulent account and it doesn't belong to me please remove this inaccurate info off my credit file thank you. 

XX/XX/XXXX, # XXXX {$960.00} XXXX XXXX is reporting fraudulent info on my XXXX   credit file this account doesn't belong to me, I asked for validation of this debt and no response in months from XXXX  in regards to this inaccurate information. This account doesn't belong to me please remove thank you. 

XX/XX/XXXX, # XXXX {$2100.00} XXXX is reporting inaccurate info on my XXXX credit file that is fraudulent and inaccurate. I have disputed multiple times with XXXX  with no response. Please remove this fraudulent account off my file 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 2019-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I bought my house in XXXX. 

Amerihome, in XXXX, failed to pay my insurance premium ( which is escrowed into my mortgage payment ). 

Amerihome did not notice for an ENTIRE year. My coverage lapsed in XXXX of XXXX, and they did not realize it or notify my of the issue until XX/XX/XXXX. 

I am required to have insurance in place, and insurance companies won't just backdate a policy. Therefore, I have to get lender placed insurance for the entire span of time in which they a : failed to make my contractual payments, and b : didn't notice that they didnt make my payments. This insurance is VERY expensive, and my payment has skyrocketed to backpay it. 

In addition, my escrow ( without having this years insurance premium paid yet ... because I don't have a policy ), is down by {$1000.00}. No one can tell me why. Many reps and managers have tried to look into the escrow deficiency. No one can tell me the cause. They suggest that my taxes went up - my total taxes are {$1000.00}, so my taxes would have had to double for me to be this deficient. It has not calculated the lender placed insurance yet, so I will likely be many thousands of dollars more deficient once that hits me. 

I have spoken to Amerihome about both of these issues extensively. Amerihome has admitted that they " dropped the ball '' on making my contractual payment. I have yet to receive a reason why they did not make the payment. The managers I have spoken to have admitted that a payment should have been made, and that it was their responsibility to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
Dear Consumer Protection Personal ; I need your help to solve the HSBC bank issues I have now. 
My HSBC advancing checking account # XXXX opened on XX/XX/XXXX with promotion for {$350.00} welcome bonus. welcome bonus suppose to come in on XX/XX/XXXX. Nothing happened, no bonus seen. Call on XX/XX/XXXX, XX/XX/XXXX HSBC file number of investigation XXXX XXXX ect. Online chat with HSBC rep. No response or answer from the HSBC so far. Call on XX/XX/XXXX no help at all. I could not get hold of anyone from HSBC bank to get an answer. I wish you could help to solve this issue. 
Thanks. 

My phone number XXXX XXXX XXXX My name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: Utah System of Higher Education
State: ID

Complaint narrative:
XXXX was contacted and reports to me as a consumer that my student loans are in closed status as I am still in my 3 year review period from XXXX and XXXX XXXX Discharge. The review period ends on XXXX XX/XX/XXXX. But the Credit report given to a potential creditor on a hard pull of my credit still lists my student loans as delinquent and not in the closed status. The Credit dispute procedure was followed by me with XXXX online in previous weeks and months. I rechecked my credit report with a local credit union and the delinquent student loans are still included in the information that the creditor receives but not in the information I see on my XXXX  credit report I am shown by my XXXXn consumer account. This information is used to deny me credit contrary to the laws of the Consumer Fair Credit Act. I disputed the XXXX account in XX/XX/XXXX and I checked the status today on XX/XX/XXXX. The Delinquent account status is not supposed to be there according to my understanding of the XXXX when I received a XXXX discharge of my loans in XX/XX/XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I HAVE CONTACTED XXXX  XXXX SEVERAL TIMES ABOUT THOSE FRAUD ACCOUNTS THAT DONT BELONG TO ME. I HAVE SENT IN SEVERAL POLICE REPORTS AND COURT RECORDS TO PROVE TO THEM. NOW THEY KEEP SELLING THE BAD DEBT TO OTHER COLLECTION COMPANIES. THE ACCOUNTS ARENT MINE. ATTACHED IS A COPY OF THE POLICE REPORT. NEXT IS IM FILING LEGAL ACTIONS AGAINST PORTFOLIO RECOVERY. PORTFOLIO RECOVERY HAS GOTTEN SEVERAL POLICE REPORTS FROM ME AND NOW THERE REPORTING IT AGAIN ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am using ciiti credit diamond. As per the card benefits if i purchase a flight ticket with citi credit card for full amount .for any reason if i cancel the ticket or not shown up or any problem if i cancled my ticket. citi card will do full refund and they protect me. For some reason i canclled my ticket and claim with citi benefits to get my refund, but now citi card claims department saying it will cover for some type of reasons they will refund not for all. Which i dont know and they did not mentioned any where else. 

Cliam submitted to the below email id # XXXX flight ticket purchase date : XX/XX/2019 Flight ticket purchase date : {$1300.00} Refund i recieved from XXXX XXXX  : {$970.00} Claimed with citi card benefits : {$350.00} Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/2019 I received 4 phone calls from Conns electronics and a text message ( XXXX ). The phone called were at XXXX, XXXX, XXXX, XXXX. They ask for my sister and I told them that this is her sister number. Then that I will pay the balance today but after they kept calling my work number I got irritated and called them to tell them to stop harassing me and that I am not my sister. I feel as though they are harassing me because of the number of times they have contacted me on my work number, Ive told them to stop contacting me and they still contact me and they are still contacting me after I told them that I am not my sister

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
My 15 year mortgage was taken over by NewRez mortgage comp. of XXXX Tx. about four months ago and being serviced by shell point mortgage ever since. 

In my original contract with XXXX, I signed up for maintaining my own escrow account and have been paying my taxes and insurance for last 20 years. I have never been delinquent or behind payment of any kind. I have sett up auto pay from my XXXX  XXXX XXXX account, it is paid automatic. Taxes and insurance are paid when its due and never been late or delinquent. 

All on a sudden, I received a notice from the Shellpoint mortgage company that I am delinquent on my taxes and they had to pay my taxes for me to City and county, although my taxes were not due until XX/XX/2019 and XX/XX/2019. They went ahead and paid the city and county and sent me a bill for that. I went ahead and paid them whatever they billed me and the payments were duplicated. Now, they are adamant about their mistake and asking me to maintain an escrow account with them, which is not in my contract. 
I have all the document to prove the above facts. Which have been provided to them as well. I need help to go back and set up my account as it was and dont want to maintain any escrow account with them. I have contacted them and XXXX talked with the manager, with no relieve. I need help, I am XXXX years old and cant deal with them any more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: AZ

Complaint narrative:
This has been going on for more than XXXX years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for XXXX years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I was having trouble accessing my funds with XXXX XXXX due to not having received my debit card for over a month. So I was instructed by XXXX to open a XXXX account in order to transfer my funds quickly ( which I did on XX/XX/2019 ). I transferred money to my one of my relatives through XXXX for a few weeks as a means to access my money, while waiting on my debit card. When my debit card still hadn't arrived, I opened an account with XXXX  XXXX XXXX and a secondary XXXX ( XX/XX/2019 ) in order to completely get my money out of XXXX XXXX and XXXX. That same day I successfully transferred the majority of my funds ( {$1200.00} ) from XXXX to XXXX and started the transfer to XXXX XXXX XXXX. On XX/XX/2019 XXXX froze both accounts and cancelled my transfer to XXXX XXXX XXXXXXXX. I spoke to them several times on the phone and they said only their specialist could handle the matter and that I wouldn't be able to speak with them over the phone because they only correspond through email. On XX/XX/XXXX, XXXX   permanently deactivated my account linked to XXXX XXXX XXXXXXXX and sent my funds back to the account linked to XXXX. On XX/XX/2019 I received an email stating that this account was also deactivated. They also stated that they would investigate for up to 180 days and would determine at that time whether they would release any of my funds to me. The specialist ended the email stating that was all the information he would give me about the situation and closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Lender Inc
State: FL

Complaint narrative:
Im writing to you because I noticed that my credit report contains a closed account reported recently for my Selflender/ XXXX account. I want you to know that I understand, and have great respect for my financial obligations. 
Unfortunately, at the time of the incident mentioned above, I had to cancel my subscription. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify. 
I am humbly asking for you to remove this account. I would greatly appreciate it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
My parents were both killed in a tragic house fire this past XXXX XXXX. My brother and I, in the midst of our grief after this trauma are actively working towards selling their house and paying off the mortgage debt. Celink has denied us the courtesy of an extension to give us the small bit of extra time we need to clean up the house and get it ready to transfer ownership. We have even provided them with the purchase agreement from the new buyers and shown them that they will be repaid shortly. They say that this account is not eligible for an extension option. 

We have called them numerous times to explain our need for a small extension. We have also called the holder of the mortgage who refers us back to Celink. 

My family is hurting deeply right now as we process this horrific and unexpected loss. To be denied a compassionate and reasonable request, especially since we have proven we are taking the correct and necessary steps to repay them, is cruel and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. 
XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX XXXX XXXX LA XXXX. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations of my name. I am no longer affiliated with these addresses I would like to have my credit report to reflect true up to date that is accurate information. My current address is XXXX XXXX XXXX XXXX XXXX LA 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 2019-03-13 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: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I called the XXXX XXXX XXXX XXXX XXXX, trying to settle a debt that was on my report, I spoke to about 4 people om 2 different days and no one knew information about what the others had in my file. I called on Friday XX/XX/XXXX and spoke to a rep XXXX XXXX, my original debt was for XXXX, and I offered XXXX, he explained to me that he wasn't able to take that amount and during the conversation he offered to XXXX, but all I had was XXXX, he said he was send it to the company he represented and get back to me on Monday XX/XX/XXXX. Also during the conversation XXXX added on an extra cost of XXXX, saying that was addition cost that was added on for the work done to date. He also stated that I was served with court papers for this specific account, in XX/XX/XXXX, to which I explained I didn't receive, he tell told me that their process server delivered the paperwork to a person named XXXX XXXX and gave a description on a person that did not reside with me. On Monday afternoon I called back but he could not be reached, I spoke to rep XXXX XXXX and he didn't know about this arrangement and only told me that the company would not accept my offer of XXXX, but he will try again and for me to call back in 1 hour. I called back 2 hours later and was told both men I spoke to were unavailable, in which time I stared the process all over again with a rep name XXXX XXXX, who from the beginning of the conversation seemed to be aggressive. He stated that I was served in XX/XX/XXXX and gave the same description as XXXX did and when I tried to explain that no one lives there as described and it was also delivered to the wrong address, he told me that I was in default, when I asked why I didn't receive a follow up letter from the law group, he said that he doesn't have to provide me with any further information and that I have to call my county clerk if I wanted more information and anything further that I asked was cut off and I had to call the clerk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im writing to you because I noticed that my most recent credit report contains a closed account reported recently for my Wells Fargo account. I want you to know that I understand, and have great respect for my financial obligations.

Unfortunately, at the time of the incident mentioned above, I was in college and had no idea how to manage credit responsibly. I have completely paid off my debt and aside from this one time unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for credit, and it has come to my attention that the closed account on my credit reports could hurt my ability to qualify.

I am humbly asking for you to remove this account. I would greatly appreciate 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