vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc.
State: WA

Complaint narrative:
On Saturday XX/XX/2018 I viewed an apartment at the XXXX XXXX XXXX XXXX XXXX. As part of the application process, the leasing agent requested that I sign a Lease Contract Contemplated. The Lease Disclosure of this document states that I am not approved until management countersigns the document. On Sunday, XX/XX/2018 I withdrew my application. The leasing agent responded asking if I wanted to see another larger home. However it was out of my price range. The next day, I received a invite from another leasing agent to view a larger home. 

On XX/XX/2018, I received a notice from management stating that I would receive lease break fees if I chose not to occupy the home that I had withdrew the application for.. The manager had proceeded with processing my application, despite my XX/XX/2018 application withdrawal ( SEE XXXX EMAIL ). He provided a countersigned Lease XX/XX/2018 ( see time stamps ). He provided me an Lease Break invoice with the wrong withdrawal of application date ( XX/XX/2018 ) and noted Paragraph 10 Lease Break stipulation. 
When asked about this error, the leasing agent stated that he management did not report to work until the XX/XX/2018. However, I don't see how this would impact noting the correct date that I withdrew my application. 

Paragraph 9 of the Lease Contract Contemplated- Lease Disclosure states that withdrawal of the lease application prior to approval would result in loss of application fee and deposit, with no further obligation. I have relentlessly tried to resolve this with XXXX XXXX, XXXX XXXX XXXX, XXXX @ Corporate ( no response ) and Blakely Witt and Associates for a settlement. The collection agency is demanding a paid in full settlement despite the nature of the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
This saga started in XX/XX/XXXX, when I called LoanCare to determine the amount of refund we should expect from our Borrower-paid Single-premium PMI policy if we refinanced our loan and paid off the balance serviced by LoanCare. It took several calls to get any kind of answer, and then they told me I had to call the actual insurance company to get that amount. I called that company, and they laughed at me. " You are not our customer. We will only talk to LoanCare. '' Subsequent to the XX/XX/XXXX payoff of our loan via that refinancing, LoanCare is refusing to respond to repeated inquiries about the status of the refund of the unearned premiums due us from our single-premium borrower-paid PMI policy. This is in direct violation of the Homeowners Protection Act of 1998. Here is the specific language from the HPA : " After informing the mortgage insurer of cancellation or termination, you must send notice to the borrower that you canceled or terminated PMI. You must send this notice not later than 30 days after you have canceled or terminated PMI. The mortgage insurer then has 30 days to return any unearned premiums to you. You, in turn, have 45 days to return the unearned premiums to the borrower. '' No notice has been sent by LoanCare, and they are refusing to acknowledge that they have any obligations to do so. 

Multiple emails ( attached below ) were ignored, and when I finally reached " XXXX '' by phone ( on XX/XX/XXXX ), she clearly didn't understand what a single-premium PMI policy is ( despite being in LoanCare 's " insurance '' group ). After first telling me that we received a " PMI refund '' as part of our escrow refund ( which we did not ), she put me on hold again -- returning to tell me that there is no refund due for our policy. I asked for documentation for why that is the case, and she promised that I would be receiving that by COB. 

Crickets. Based on the fact that multiple previous interactions have resulted in zero response, I am confident that LoanCare believes they can continue to avoid their responsibilities in this matter.

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 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
best buy/ cbna is reporting on my credit report negative and i never had an account with them i have contacted them and they refuse to help me in the matter

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 2020-01-16 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: Radius Global Solutions LLC
State: SC

Complaint narrative:
I pulled my credit report and I notice a derogatory collection account on my report from a company named Radius Global Solution. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/19 we began escrow for the property at XXXX XXXX XXXX XXXX. XXXX CA, XXXX. A home inspection was done by a third-party inspector, XXXX XXXX on XX/XX/19. The inspection showed that the rood needed repairs for missing tiles. There were electrical splice issues found in the attic and the light switches in bedrooms did not work. I requested to my realtor that repairs to the items mentioned previously will need to be repaired before moving in and finalizing escrow. My realtor, XXXX XXXX assured my daughter and me that repairs will be made by the time escrow is closed. We took XXXX XXXX word that repairs would be done by the time escrow was closed and we were moved in. On XX/XX/19 we  closed escrow on the property and became the owners. XXXX did not hand us the key. The key was left hidden in the backyard of the home. Once we got inside we noticed that repairs were not made and found even more damages such as structural cracks on the side of the home and the backyard. The window in the bonus room is cracked and the vent to the fireplace is also inside of the bonus room which raises health and safety hazards. The bonus room is also an illegal add-on which was not listed in the property listing yet the square footage was added to the property listing. The home has been red-tagged by the gas company because the gas valve was broken and causing a leak. There is rain behind the wall in the bonus room, the ceiling also leaking in the bonus and in the garage. This home was purchased under an FHA loan. All of these repairs are unacceptable under an FHA loan. I have reached out to XXXX XXXX XXXX    manager XXXX XXXX at XXXX XXXX XXXX XXXX XXXX and she has been no help to the matter. I only want the repairs to be made and I have been given the run around by XXXX 's team, the lender XXXX XXXX at XXXX XXXX XXXX and the escrow company XXXX XXXX XXXX. I am filing this complaint for help because this was an unfair deal, I would never purchase a home with this many issues. I have attached the closing details to the home in the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express Membership Rewards account was blocked for back office review since XXXX, 2019. It has been 4 months ever since, and I have tried to contact American Express multiple time to try to resolve or even to get a status of the review without any success. Multiple front line customer service representatives have promise me they will ask back office to contact me to update me with status of the review but I have never receive any updates. I am not sure why my account was reviewed and blocked, but I would like some transparency on this process and to understand what more they can review my account after 4 months. Since then, I have missed many opportunities to use my earned reward points for multiple travels through the holidays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I received information from my mortgage lender a week ago that I had a judgement against me. I looked through 6-7 years of mail from storage and I found a letter 2 unopened pieces of unopened mail with no name on it to identify the sender. I opened the letters and found a letter inside from revenue recovery corporation dated XX/XX/XXXX that stated I owed them XXXX, note that their first letter date XX/XX/XXXX did not have the XXXX on it, in regards to XXXX XXXX XXXX, a place I lived from XXXX over Six years ago, now mind you XX/XX/XXXX was the first I heard of this judgement. I proceeded to go to the apartment managers office, then the main office of XXXX, XXXX, XXXX XXXX, then to Wakefield and associates ( recommended by main office ) to no avail, no one could do anything but point at the {$2200.00} and said that I owed them and Wakefield was the collector. I finally went to the XXXX courthouse to get to the bottom of it all and the court gave me the breakdown of the judgement and told me Wakefield has no right to collect this debt and only the court could collect this judgement, Wakefield wasnt represented at all on the civil court case information sheet dated ( XXXX ). It reflected the {$2200.00} not for rent but for damages, they recommended a lawyer. I would like to see Wakefield and associates in XXXX, TN dealt with on trying to collect on a debt that they never owned. I trusted them all the while they never owned the debt, Tennessee statute of limitations is 6 years but unsure if judgements are time barred as well. I want to pay it. Just to the right person or court or company and know why I owe it. No one knows why I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
NEGLIGENCE COMPLAINT FOR FIFTH THIRD BANK ON FRAUD CASE - I. XXXX I had my Fifth Third Bank credit card until XX/XX/2019. The card was compromised as from XX/XX/2019 to today. All the transactions in the statement were fraudulent and non authorized. 
Fifth Third Bank was negligent which failed to investigate the Fraud charges as F raud, but ONLY the billing dispute.

Fifth Third Bank declined all the Fraud charges and claimed that it had passed the timeframe, when FRAUD case does not have a timeline to investigate. 

It is the Fifth Third Bank 's negligence to disposition my claim was invalid as it has passed the time frame and I did not have the card with my possession at the event of the Fraud. 

There is NO CHARGE BACK REQUIRED, NO TIMELINE REQUIRED AND ALL MERCHANT RECEIPTS ARE NOT VALID PROOF OF THE PURCHASE IN THIS FRAUD CLAIM. 

The Account Holder did not have the card in possession, all transaction as from XX/XX/2019 to the last date of the purchase were FRAUD.

Please carefully investigate the Fraud claim and it IS NOT the billing dispute. I complained about the negligence position, that the Fifth Third Bank took in this disposition and it is the gross negligence. 

I hope that the Fifth Third Bank can re investigate this case and all transactions in a FRAUD claim, not Billing dispute. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Opened this account on XX/XX/XXXX - In XXXX I went out of the country and being that the card was only opened one month and the fact that I was away I mistook the due date and paid the statement balance in full ONE day late - was due XX/XX/XXXX, I paid it XX/XX/XXXX. 
They charged me interest fee - I called for a refund and they were only able to do a partial one of {$50.00}. 
I made sure the next month in XXXX to pay on time and the full balance but for some reason I saw ANOTHER interest charge - I called them as soon as possible and they explained that the late payment from XXXX affects me in that I get charged interest for 2 months in a row! After being transferred to a manager, he said there was nothing he could do. 
Today, XX/XX/XXXX I login to pay my bill at XXXX - 45 mins before due date has passed. The app and website show that the payment will only be processed as the XXXX - I called customer service and they advised its because their cutoff is XXXX! After speaking to a manager right away ( still before midnight ) I ask her to help me out as this is technically still before the due date and I hadn't know the rule! She says there's nothing she can do. 

These are my issues - I really hope you cam help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-16 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX XXXX - {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I have an ongoing case in Pa with XXXX XXXX XXXX XXXX. I had the city closed down and condemn a house i lived in because they refused to fix all the leaks and roof that caved in. House was condemned by the city for being inhabitable to live in. Afterwards i became a victim of a landlord retaliation tactic in which this extreme debt amount was put upon me wrongfully and unlawfully!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper mortgage company. I was behind on my mortgage 2 mos. I called to get the totals with late fees and got a increased amount to pay for XXXX and XX/XX/XXXX. I ask why was the mortgage so high what happen. I could not get any answers. I wanted to make payments but the online payment service was cancelled due to my late payments so I called again they took 1 payment of {$510.00} on XX/XX/XXXX and did not apply it to my loan but debited my checking account. They told me to call back and make another payment the next day. Which I did and they said you have to pay the full late with an escrow balance {$4900.00} My insurance had lapse and they attached an escrow account to my loan this took weeks for someone to tell me this. I paid {$2300.00} into the escrow acct on XX/XX/XXXX to clear this up. To this date XX/XX/XXXX. I have not been given the correct total to pay my loan current from XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I spoke to an agent every day. The agents are not given me correct information each time I call. I've ask for them to remove the escrow account they said it would take 24-48 hours to remove because they did receive the {$2300.00} on XX/XX/XXXX. This was not done. I spoke to an XXXX XXXX 2 mos. later she stated they could not remove the escrow account it took weeks to get this answer. On XX/XX/XXXX They sent a payment to my insurance company of {$920.00} XX/XX/XXXX when I sent Mr Cooper proof of my insurance. My insurance was paid in full by me on XX/XX/XXXX for {$970.00} now they are charging me for the escrow funds that was sent to my insurance company. This company is the worst and I don't understand why I cant get someone on the phone that could clear this up in one day. My house would be in foreclosure if I don't get help immediately. I would like to pay my loan payment up to date but not including the escrow account since I've paid it in full {$2300.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX XXXX - {$190.00}

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 2020-01-16 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: TX

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX XXXX - {$190.00}

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 non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
HELLO, I HAVE BEEN WORKING WITH SPECIALIZED LOAN SERVING FOR 2 YEARS TO GET A LOAN MODIFICATION. MY HOME HAS BEEN IN FORECLOSURE SINCE XX/XX/XXXX. I SUBMITTED ALL THE REQUIRED DOCUMENTS FOR THE MODIFICATION. I DIDNT HEAR FROM THEM UNTIL A COUPLE DAYS BEFORE THE SALE DATE WHICH FORCED ME TO HAVE TO FILE BANKRUPTCY TO SAVE MY HOME THE FIRST TIME. MY BANKRUPTCY WAS DISMISSED, I AGAIN STARTED THE PROCESS OF THE MODIFICATION. I ALREADY HAD ALL THE DOCUMENTS EXCEPT THE UPDATED BANK STATEMENTS THAT I OBTAINED, AND SUBMITTED AGAIN. MY HOME DID NOT HAVE A SALE DATE WHICH MEANT I HAD ENOUGH TIME TO GET THE DOCUMENTS SUBMITTED, AND A DECISION. AFTER WEEKS OF WORKING WITH MY POINT OF CONTACT PERSON I WAS TOLD I ONLY NEED 2 DOCUMENTS WHICH I SENT OVER THE SAME DAY. I FOLLOWED UP 2 DAYS LATER TO BE INFORMED THAT THERE WAS NO WAY THAT THE LOAN WOULD BE APPROVED DUE TO THE TERMS OF LOAN. MY HOME DID NOT HAVE A SALE DATE WHILE IN THE PROCESS I RECEIVED A SALE DATE THAT ONLY GAVE ME 2 WEEKS TO GET THE MODIFICATION DECISIONED. I WAS TOLD THEY NEED 37 DAYS. WELL IF YOU GIVE A HOME A SALE DATE WITHIN 21 DAYS HOW WILL YOUR EVER HAVE 37 DAYS TO REVIEW THE INFORMAITON? THAT IS FRAUDLENT, AND UNFAIR TO THE PERSON WHO IS TRYING TO SAVE THEIR HOMW. I HAVE WORKED 2 YEARS ON GETTING MY LOAN MODIFIED TO FIND OUT 4 DAYS BEFORE THE SALE OF MY HOME THAT THERE WAS NO WAY FOR ME TO QUALIFY. THE MORTGAGE SERVICER SAID SHE WOULD LISTEN TO ME AND ENTERTAIN ME WHILE I CRIED IN DISBELIEF OF WHAT I HAD EXPERIENCED. SHE THOUGHT THAT THE SITUATION I WAS IN WAS ENTERTAINING AND AT ONE POINT LAUGHED. I FEEL THIS IS AN UNETHICAL PRACTICE WITH MORTGAGE SERVICERS NOT BEING TRUTHFUL, AND LEADING YOU ON, AND FURTHERMORE GIVING YOU THE RUN AROUND WHILE YOU ARE TRYING TO SAVE YOUR HOME. I AM FACING FORECLOSURE ON XX/XX/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 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The debt is from wells fargo. It is a fraudulent debt that was once removed from my XXXX credit file. In XX/XX/XXXX or XX/XX/2019 it re appeared. I contacted Wells Fargo about this issue and in XX/XX/2019 they " verified '' it was my debt. I requested all the paper work with my signature and any and every documentation of this verification to be provided to me. I have spoked to XXXX and XXXX from Wells Fargo recovery and executive office. the executive department number is XXXX. My case numbers is XXXX and XXXX. The debt owed is {$930.00}. I have provided Wells Fargo with a FTC letter and notified them and XXXX I was a victim of Identity theft. Every time I call wells fargo about this issue I can't get a clear answer and im told they will send me the documents. I haven't received anything from Wells Fargo.

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 2020-01-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Amount is incorrect and not valid I want removed. I tried to handle over phone they keep calling and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
I pulled my credit report and I notice a derogatory collection account on my report from a company named Wakefield & Associates. This company did not have my consent to access my private information. This is an act of Impermissible Purpose to pull my credit report and to have negative un-validated information place on my file. After identifying the company 's contact information I sent them a validation letter accompanied with a cease and desist letter. To this date No valid contract with my signature agreeing to contract with this company has been sent to my address. I do not wish to do any business with this company.

Company response to consumer: Closed with explanation