vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The XXXX XXXX agency has called my home everyday for over a month. I spoke to them and told them the person they wanted was not at this number. Their number is 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 2019-10-15 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: United National Services
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2015, XXXX to XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-15 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:
These accounts doesn't belongs to me. 

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 2019-10-15 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: AES/PHEAA
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
XX/XX/2019 contacted lender recommended/provided by my current mortgage servicing company to inquire about the FHA Streamline Refinance and decided to apply. 

XX/XX/2019 Signed/Returned First Interest Rate Lock Agreement with Freedom Mortgage from 4.50 % to 4 %. Mortgage Processor XXXX XXXX. 

XXXX XXXX, 2019 Provided additional information as requested. 

XXXX XXXX, 2019 Scheduled call Appointment with XXXX XXXX to finalize documents, at her request for XXXX XXXX, 2019 at XXXX. She never did call so I sent her a text message to see what was going on. 

XXXX XXXX, 2019 Email from XXXX XXXX my Mortgage Processor is XXXX XXXX. 

XXXX XXXX, 2019 Contacted current mortgage servicing company, XXXX to express my concerns of being handed down from processor to processor and not getting anyone to call/text me status of my refinance request. They connected me with the first person I originally spoke with, XXXX XXXX. When he called me back I told him of my frustrations with the company and for my troubles I now wanted the current listed refinance rate of 3.50 %. After speaking with his supervisor I was granted the 3.50 %. 

XXXX XXXX, 2019 Signed/Returned New Interest Rate Lock Agreement - Expires XX/XX/2019. 

XXXX XXXX, 2019 Email from XXXX XXXX - My new Mortgage Processor is XXXX XXXX. 

XXXX XXXX, 2019 Emailed XXXX XXXX for status of refinance. 

XXXX XXXX, 2019 Email from XXXX XXXX - My loan has been reassigned to XXXX XXXX. 

XXXX XXXX, 2019 Emailed XXXX XXXX copy of same email sent to XXXX XXXX for status of refinance. No response. 

XXXX XXXX, 2019 Called XXXX again for assistance due to Freedom Mortgage not responding to me by phone/text. This time I was told I had to take it up with Freedom Mortgage and called the number they gave me. The receptionist assured me she would get in touch with XXXX XXXX who was currently out of his office ( she further stated we work in the same building ). Paid current Mortgage online. 

XXXX XXXX, 2019 contacted HUD about filing a complaint and obtaining a list of approved lenders in my area in hopes of finding a professional and responsive lender to work with so that I can proceed with my streamline refinance XXXX XXXX, 2019 XXXX XXXX ET still no call/text from Freedom Mortgage.

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 2019-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
I by mistakenly paid my US Bank credit card bill twice of amount {$620.00} each on XX/XX/2019 from my US Bank Check-in account. SO I called the bank on XX/XX/2019 and asked them to reverse one of the transaction. And the bank representative said it will be reversed in 7-8days. 
Then on XX/XX/2019 as I saw no progress was made so i called US Bank again on the same date and then the credit card department told me the amount will be reversed to my account in 24 hours. After that I could see the amount of {$620.00} is being reversed from the credit card but it didn't reach my US Bank Check-in account. 
So today XX/XX/2019 I called US Bank again to know why the amount of {$620.00} is not in my account yet, and now they are saying it can take up to 10 days from the day which credit card department reversed the amount, which was on XX/XX/2019. This means I will get my money on XX/XX/2019. 
And they are also claiming I never called US Bank on XX/XX/2019. Where as I have proof of call list stating I called them on XX/XX/2019 and talked to them for 23mins to get my money reversed. Its a harassment for me and claiming me to be a liar and not willing to help in reversing my money. 
I have attached the proof of my call history with US Bank. 
So after I raised my request for reversal on XX/XX/2019, I will get my money back on XX/XX/2019.

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
Consumer complaint received 2019-10-15 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, THIS ACCOUNT IS AN UNAUTHORIZED ACCOUNT THAT IS CURRENTLY REPORTING ON MY CREDIT FILE. PLEASE LOOK INTO THIS MATTER TO HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE. THIS ACCOUNT DOES NOT BELONG TO ME AND IT HAS BEEN CAUSING A TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-10-15 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: Nelnet, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
On XX/XX/2019, I received a notification via US Mail from XXXX XXXX that they were transferring my home mortgage to SLS, Specialized Loan Servicing effective XX/XX/2019. On XX/XX/2019 SLS notified me that due to an escrow shortage, my monthly mortgage payments would be increasing from {$2400.00}, ( which I had been paying to XXXX XXXX ), to {$3100.00}.

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 2019-10-15 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:
These accounts doesn't belongs to me. 

XXXX XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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:
These accounts doesn't belongs to me. 

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 2019-10-15 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: MO

Complaint narrative:
PayPal holding my funds for 180 days. No reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
Equifax denies my wife and me the opportunity to get annual free credit reports. Their published phone contacts lead to a maze of voicemail options and inevitably an " ID verification. '' For some unstated reason I can not get verified and get disconnected. No explanation is given. The online chat function only provides phone numbers that lead to the same ID verification. Though given a 10 digit pin, which I have recorded, I am never permitted to use that number to manage a freeze in effect. I am being denied the opportunity to lift the freeze temporarily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
NOTE : This problem is actually related to a conventional mortgage application/transaction ( not to a credit report ) - but the system would not let me go forward because I did not have either loan or account numbers ( I terminated the process before that point ). So I have checked other boxes in order to submit this complaint as follows. ) I contacted Quicken Loans in XX/XX/XXXX to inquire about a conventional mortgage and determine current lending rates. " XXXX '' took some basic information from me and gave me preliminary interest rate information. Within a day or two and after two phone calls, I informed him by phone and email I did not want to proceed. From that point forward over a period of two weeks, he continued to phone and email despite my repeated and clear statements to STOP and finally explanation should he continue to harass me intent to complain to the regulators. He did not stop. I further asked him to remove my information from Quicken 's files and cease all further emails. He stated in an email that had been done ( it was not ). then on XX/XX/XXXX in the mail, I received an entire " Intent To Proceed '' loan package from Quicken. 
This constitutes harassment and predatory lending practices. It must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Ref to case # XXXX this case still not fixed Citibank has sent me a letter on XX/XX/2019. On the letter had informed me " The accounts were closed on XX/XX/2019. We are the process of issuing an Official Check for the balance remaining in the account, which will be sent to you separately. Please allow 3 to 5 days to received the check '' As today is XX/XX/2019 I still not receive check from them. How many errors Citibank can be made since I had opened an accounts with them. Over a months they has been holding my money, then can't solve they own problems and just closed my account. However, if this happen to over a hundred or thousand clients how much money get involve. I heard many clients has been complaint Citibank, but the bank never be able to solve they problems and continue with the issues. 

Please see attached file for the letter that Citibank sent 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 explanation
Consumer complaint received 2019-10-15 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: NC

Complaint narrative:
I had contacted an apartment complex named XXXX XXXX in XXXX Az as i had recieved an alert on my credit profile as to a derogatory mark put on my report. I looked at it. Never have I lived in there apartment community nor have I ever in my life lived in an apartment. I contacted XXXX XXXX and explained to them that I have never had any accusation with their company in any way. They stated that they have a signed lease agreement between myself and their company. I informed them that that was impossible. I tried to discuss options to get thisa removed and the only solution is that i pay {$3700.00} for a debt that is a completely false representation of facts. And that I am not responsible for and had no knowledge of this facility even existing until they issued a fraudulent debt in my name. After an hour of conversation I got no where with the person I was talking to. They showed zero interest in looking into the problem. So I asked if they could print a copy of the contract so i could see it. The person told me that I had already wasted an hour of their time and that she would not be sending me anything. Next i Contacted the Credit bureau and expressed all my concerns to them. They said they would investigate the situation and for me to send them any documentation to verify my claims. How do you actually do that? Something I am not responsible for and for a place I had never heard of? Makes no sense. Approximately 10 days Later I recieved a letter stating that they determined it was an accurate debt. That I am responsible for it and that it will remain on my credit profile. Which I don't understand how a company is allowed to just submit unverified debts. I resubmitted resubmitted my dispute in the form of a 609 dispute letter twice. With no response which is ridiculous that Credit Bureau Companies are not held to an equal standard for all. There ethics and integrity are absolutely flawed with no reproductions for their part in the false representation of facts. Now I send the information to Consumer Finance and can only hope they can assist. I should not have to hire a lawyer because a company creates fraudulent 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 2019-10-15 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:
This account is dose not belongs to me XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: AMERICAN ADVISORS GROUP
State: NJ

Complaint narrative:
on XX/XX/XXXX my husband and i applied and were granted a reverse mortgage from AAG. On XX/XX/XXXX my husband passed away and I informed AAG in a timely manner. They sent me paperwork to fill out to stay in my home as I am considered a NBS ( non borrowing spouse ). I took all the pertinent paperwork to my attorney and he had me execute the Non Borrowing Spouse Certificate, Administrators short certificate issued by the XXXX county, New Jersey Surrogate on XX/XX/XXXX ; Death certificate for my husband, XXXX XXXX XXXX, True copy of Administrators deed for the property in question and true copy of transmittal letter to county clerk. I was told by AAG that they had to receive all these  documents within a 90 day time frame. All the above documentation were sent by fax and USPS by my attorneys office on XX/XX/XXXX. By XX/XX/XXXX of this year, i discovered an appraiser was looking for me : they told me to call AAG, which I did, they then told me they had not received the documents in time and i was going into forclosure. I went to my attorney and he spoke to AAG and we discovered they had received the documents on XX/XX/XXXX, so we thought the problem was solved. I received another call from AAg today, XX/XX/XXXX telling me that an error was discovered and they were now proceeding with forclosure. AAG claims my attorney, who has been practicing law for 30 years, left out certan wording and that made my claim null. I will be speaking to my attorney first thing tomorrow morning and wewill decide how to proceed from here, but both he and I have found AAG to be deceitful, obtuse and in general a terrible lender. Therefore, regardless of the outcome of my case, I would like to file a formal complaint against AAG for harrassment and deceitful practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: NY

Complaint narrative:
you keep letting these 4 account report inaccurate the statuS of the accounts are SOLD/ CHARGE OFF BECAUSE THEY WERE SOLD THEY ARE NOT DEROGATORY THEY ARE SOLD THE CURRENT PAYMENT STATUS OF THESE ACCOUNTS ARE SOLD/CHARGE OFF THEY ARE NOT IN COLLECTIONS SO TELL ME YOU SELL AN ACCOUNT THEN YOU SEND IT TO COLLECTIONS ARE YOU FOR REAL GET MY REPORT RIGHT OR BE SUDED

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 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I cancelled 2 money orders in XX/XX/XXXX and ordered a stop on the money orders because it was lost. Western Union send me a letter in XX/XX/2019 to send {$15.00} for each money order to receive my 2 refund check money order. Then I called today XX/XX/2019, customer service and the 2 money orders have been cashed and the refund of {$15.00} for each money order customer service said it is for a copy of each money order. I never asked for a copy of the money order and I wanted only my refund. 
Western Union stole my {$30.00} that I send to receive my refund money orders!.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX  XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Pinebrook Holdings, LLC
State: MO

Complaint narrative:
On XX/XX/2019, Advanced Loans, XXXX XXXX , XXXX XXXX MO, was authorized to take two payments of {$76.00} from my XXXX card. They took out three payments instead causing my account to incurr an overdraft fee of {$76.00}. After speaking with the supervisor, I was assured that I could come to the location to be reimbursed for the error. When I got to the store I was advised that they would only give me the {$20.00} overdraft fee. When I asked to speak back with the supervisor I was told to wait. I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
There was a unknown number that sent me a text about paying debt that I don't owe. It was a collection agency called Municipal Services Bureau  ( MSB ) behalf of XXXX Co Court-OJD. I don't if this is a scam or if they are wanting the money from me. This could result probably in bankruptcy or fraud in my banking account. The MSB would plan to file a lawsuit against me for my payment and more money owed. I do not owe any of those to MSB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: TN

Complaint narrative:
XXXX XXXX has reported for the last 3 months we are late for payment on their account. I have been subjected to identity theft and fraud. I have included police reports to XXXX XXXX and Experian and they will not remove the item from my account. We have disputed 2 with Experian and XXXX XXXX with all the information, but they still will not remove. All creditors have removed the item from my credit report except for Experian and I am constantly harassed by XXXX XXXX to make a payment.

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