vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
My mortgage was sold to rushmore loan. I sold my home after 2 years. My refund escrow check has become an issue.  It's been over 3 months and I have not recieved it. According to rushmore they have sent it 3 different time but are unable to provide any type of verification or tracking  numbers. I called immediately after selling my house in XX/XX/2019 to inform them of my new address to receive my refund. Month later I called again to see where it's at and I was informed it was sent to my old address I would need to update my address. Which I did again .I spoke to new owner and asked if I had by chance got a letter that for some odd reason didnt get forwarded like every other piece of mail. I called again XX/XX/XXXX to ve told they mailed and I should have gotten it by now . They will cancel and reissue again . I called yesterday XX/XX/19 to be told it would be escalated after being told it was escalated on the XX/XX/XXXX. I called today XX/XX/19 and after requesting speaking to the manager . The same girl came back on the phone with a basic script please wait 10 business days . I asked not to speak with her as I wanted my concerns to be heard by a supervisor or manager and XXXX put my on a slight hold and hung up. I called back immediately and asked to speak to a XXXX   office branch. I have all conversations recorded. As I felt I've been getting the run around. I today am told it will take another week to be approved. To call back next week" monday by latest "I have requested a tracking number as of last monday XX/XX/XXXX on this next check they are sending . She acknowledged that as it was in the notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had an online checking account with Simple.com since XXXX. 
On XX/XX/XXXX I had a balance of {$50.00}. On XX/XX/XXXX {$300.00} was deposited into this account. When money is available the account will show it as " safe-to-spend ''.

On XX/XX/XXXX I withdrew {$100.00} from this account from a local ATM, leaving me with a balance of {$250.00}.

On XX/XX/XXXX I tried to make another withdrawal and the transaction was declined.

On XX/XX/XXXX I called the Simple customer service line and explained my problem and was told by the person I was speaking to he could not fix the problem and he would have to hand it over to another department. I called back on XX/XX/XXXX and was told that the problem had not been fixed and there was no need for me to keep calling I would receive an email letting me know when I could access my funds. I called again on XX/XX/XXXX and was given the run around again. It is now over 30 days since I have been able to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OK

Complaint narrative:
The company paid my property taxes without my permission after I was forced to pay  them to XXXX   and XXXX counties after the mortgage company threatened me even though I am protected under Texas law for a XXXX XXXX protections and broken up payments throughout the year.  They have changed the entire structure of my mortgage without my permission to increase my payment by over a $XXXX a month which is three times my mortgage payments and are breaching the mortgage agreement I made when I purchased my home in XX/XX/2006.  This is illegal in the state of Texas and goes against the Fair Credit Act, because even though I have paid double payments to close out this fraudulent collector they failed to apply my XX/XX/XXXX payment, held it in a unapplied account, charged me late fees, started foreclosure, and reported to the credit bureaus I did not make my payment and yet it was already in their account.  And when they chose to apply it, rather than following the instructions on the checks to be principal only payments, they chose to apply to future mortgage payments and illegally charged me compounding interest over the last four months.

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 2019-08-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On two separate dates in XX/XX/2019, I submitted requests for credit monitoring due to the Equifax Breach. On neither of those occasions did Equifax even acknowledge the receipt of the claim, other than issuing two confirmation numbers.I sincerely believe they are not taking the magnitude of the problem seriously, and, are not making a good faith attempt to make the clients who have suffered a data breach of their personal data whole again.This company should not have been given a free pass to continue business as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MT

Complaint narrative:
we have received phone calls and text from a collection agency called MRS. they say we owe XXXX   money for equipment and services..we have never had any financial dealings with XXXX. we have never lived in the state of wisconson which is where they say we had sealings with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation
State: LA

Complaint narrative:
On XX/XX/XXXX i was contacted by Tele recovery about a dept for back in XX/XX/XXXX. its been a while back and i have no records to verify this. the guy i talked was being an XXXX about collecting, i told him i could pay {$15.00} a month he said i could not do that and hung up. well i did not want to XXXX up my credit. i checked my credit report and found out they the collection company already hit it hard and i lost about 40 pts. so i called back today and talked to the supervisor she said i could make payments but they would not send me a bill or help me track payments. so i asked about how and why they hit my credit before even contacting me to even make sure i was the right person who had the dept, she gave no answer to this. so i ask her will they talk to XX/XX/XXXX and restore my credit score, she said they would not. she did say they would give a letter to me stating it was paid. i know they will only restore 2 or 3 points. 
how is this fair? how can they XXXX me like this before talking to me and verifing me or even giving me a chance to pay them.

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 2019-08-20 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: FL

Complaint narrative:
I’ve been having the worst luck with my credit being used and my identity being stolen. My account should have a theft alert. There is yet another account being falsely placed on my credit report and I have Zero connnections with this company. The company name is XXXX XXXX For the fraud amount of XXXX. This is not my account nor have I opened An account with them. Please have this removed

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 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ACIMA CREDIT, LLC
State: UT

Complaint narrative:
Acima Credit trying to debit my checking account every week. I agreed on once a month. Plus as i understand i was getting XXXX XXXX credit card. Acima keep 's saying iam leasing, when i supposed to be Buying. So i am just going mail in Money order, and i understand if i pay my account infull by end of XX/XX/2019 iam not charge interest. But this company and XXXX XXXX   is ripping me and customers off, how do you lease Tire 's? What bring back after tires go Bald?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: FL

Complaint narrative:
I’ve been having the worst luck with my credit being used and my identity being stolen. My account should have a theft alert. There is yet another account being falsely placed on my credit report and I have Zero connnections with this company. The company name is XXXX XXXX For the fraud amount of XXXX   This is not my account nor have I opened An account with them. Please have this removed

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 2019-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
I received a letter from MyFedLoan on XX/XX/2019 telling me my deferment period was about to end and I would have my interest capitalized if "you do not make a payment to satisfy the full amount prior to the Anticipated Capitalization Date."  The total came out to $XXXX. I called MyFedLoan and ask to speak to a representative to clear up if there was a specific way to pay my owed interest so that it was applied to only my owed interest since I did not see a different way to apply the payment online. She confirmed that I would make the payment regularly as I would make any payment and because I was in deferment, the full payment would go towards my interest and cover it entirely. I also explained that I would be paying in ahead of time in order to give the payment adequate time to process. She agreed that was a good idea. I proceeded to make a XXXX ($XXXX  over) on the XX/XX/XXXX, 5 days ahead of the due date in order to avoid issues with the payment not processing in time and having the interest capitalized. Although I followed the directions on the letter and by the representative exactly, I was penalized for paying 5 days early and charged interested which capitalized to almost $200. I was not notified about the increase in my account balance although I paid the total amount that I owed and continued to make on time payments. MyFedLoan gave misleading and just down-right wrong directions out to its customers and then is still sneakily charging them when the make the full requested payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I refinanced my Suntrust VA mortgage and successfully closed and paid off the mortgage in full on XX/XX/2019. OnXX/XX/XXXX, Suntrust drafted my monthly payment out of my checking account in the amount of $XXXX. This was in error and I have called 7 different people over 3 days and approximately 2 hours of my time to correct this and have the funds wired back into my bank but all attempts have not been successful. This has caused me financial hardship and is not ethical, nor should it be legal. As stated, my mortgage balance was paid in full and there were several days in between when they drafted the payment out. They have thus far refused to act to wire the money back to me.

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 2019-08-20 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I've contacted XXXX several times in the major fraud division and also they have a police report on file . Have several inquires on my report that are not mine and did not apply for credit . I contacted the creditors directly and they said you have a police report on file with XXXX please tell them to remove them by the police report . Transition states no they will not .1. XXXX XXXX XXXX XXXX (2) inquires  2. Barclay Bank (2) inquires 3. XXXX XXXX  (1)4. XXXX (1)

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 2019-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report there are three duplications of the same accounts. XXXX XXXX is showing and then XXXX XXXX who purchased the debt with all the same information and details. In addition to that account XXXX XXXX is showing and then XXXX XXXX XXXX.with the exact same debt and details also being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX I have several issues on my credit file. I have only one name and it should appear as XXXX XXXX XXXX!! Please remove all other variations of my name. My DOB is XX/XX/XXXX my SS# XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXXplease update. i HAVE NEVER LIVED IN XX/XX/XXXXOHIO please delete remove the following addresses:XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXOH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX,XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX ,XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX , XX/XX/XXXX OH XX/XX/XXXX, XX/XX/XXXX OH XX/XX/XXXX. Please forward me a copy of my updated 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 explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for PayPal credit by Synchrony Bank and was denied instantly. I received  a letter in the mail citing "amount of collections." I have $XXXX collections, so this must be a mistake. I am wondering if they have the correct information.

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 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was misinformed about auto pay.  I made a manual payment back in XX/XX/2019 for $XXXX of which $XXXX was principal and interest and $XXXX was additional principal and was told auto pay would not process.  It DID process.  They held onto my money and I never received the overpayment checks back to me.  Then they said the overpayment will post to July mortgage. It never did so I made another manual payment.  Then in XX/XX/XXXXI received a past due notice about my mortgage which I had to again tell them they are holding onto my money and then finally they applied only the $XXXX to my XX/XX/XXXX mortgage which means they still owe me $XXXX.  Three weeks later, today XX/XX/XXXX, I called to get an update on where my check is and they said i have to wait until XX/XX/XXXX because its still being investigated.  They are providing false information to play with peoples money.  I have yet to review my credit score to determine if they late payment they applied late to my account was reported to the credit bureaus.  They told me things after the 10th of the month get reported but I have to check.I have spoken to 5-6 different managers to get this resolved and it has been extensively delayed.  All transactions were done electronically so its not difficult to track and see the history.  I strongly believe there are many other victims.

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 2019-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my credit report there are three duplications of the same accounts. XXXX XXXX is showing and then XXXX XXXX who purchased the debt with all the same information and details. In addition to that account XXXX XXXX is showing and then XXXX XXXX XXXX.with the exact same debt and details also being reported.

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 2019-08-20 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: FL

Complaint narrative:
On my credit report there are three duplications of the same accounts. XXXX XXXX is showing and then XXXX XXXX who purchased the debt with all the same information and details. In addition to that account XXXX XXXX is showing and then XXXX XXXX XXXX.with the exact same debt and details also being reported.

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 2019-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Once again Home Point is reporting inaccurate information to the credit bureau that I am behind on payments. It is a very frustrating process, because i have sent them proof from my bank statements showing the deposits made to Home Point for my mortgage payments for the months they reported me missing and yet they still reported wrong information on my credit report. It has already been a prolonged process with them in the approval of my loan modification which thanks to you it was finally approved after a year in a half. However it seems after one thing is finally resolved, another issue arises and its always a mistake on their end and unfortunately I am paying the consequences for their mistake while they offer no sympathy and no initiative to resolve the problem. I am so ready for this to be done and over with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: MO

Complaint narrative:
My account was initially opened on XX/XX/2014 and my charges in total of tuition and other fees amounted to $XXXX. This debt is subject to Louisiana Civil Code Tit. XXIV, Art. 3494. Actions subject to a three-year prescription(1) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board;(2) An action for arrearages of rent and annuities;(3) An action on money lent;(4) An action on an open account;  and(5) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.I mailed a notarized letter stating this information to General Revenue Corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: OR

Complaint narrative:
My homeowners insurance policy (dated XX/XX/XXXX - XX/XX/XXXX) with XXXX was cancelled due to Regions Mortgage (XXXX XXXX prior to XX/XX/XXXX) failure to pay the premium. They then deducted $XXXX  from my escrow account for forced-placed insurance. My loan originated in XX/XX/XXXX. Regions Mortgage failed to pay the homeowners insurance due in XX/XX/XXXX and XX/XX/XXXX. Although they claimed to have paid it, they did not provide proof of those payments. After multiple attempts and countless hours on the phone with customer service, they eventually credited back the premium amount to my escrow account and reissued payment just days before the policy was going to be cancelled again in XX/XX/XXXX.The same issue for the previous year has yet to be fully resolved. My statement shows both a premium payment and the additional $XXXX was paid out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief