vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
XXXX XXXX and Waypoint Resource Group are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I refinanced with XXXX XXXX in XXXX of 2018. My loan got transferred to AmeriHome. I have yet to receive any communications from AmeriHome about my loan number and where to send payments. Customer serve rice is hideous ... hour of waiting on Holden or you get disconnected. I have also sent emails about address of where to send payments with no response. Horrible company with bad reviews all over the Internet about poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
XXXX Collections and XXXX XXXX XXXX are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Excessive amount of repeated phone calls, and phone calls past hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive been unable to create online acct w SSA. According to the SS Administration, this is due to weird credit reporting by credit bureas. I called XXXX  and Experian and arranged for free report to be mailed. 
I called XXXX  and they refuse to help me without me sending my drivers license AND copy of SS card. They claim this is due to my not answering verification questions as they see fit. ..I then realize that XXXX has my home address listed incorrectly ( I have a XX/XX/2018 copy of my report ). I call again to try and get this corrected. I reached a US supervisor, " XXXX '', who said all I need to do is OPTION B : send my license and a copy of my utility bill and I was NOT required to send copy of SS card. OPTION A was to call Consumer Care XXXX and ask via phone, a lot easier. I called this number and after asking repeatedly for a U.S. supervisor, finally got to " XXXX '' ID XXXX    XXXX. She refuses to help me. Asked me verification questions but ultimately said that I have to send in Drivers lic. AND SOCIAL SECURITY CARD. I said to her that XXXX said all I needed was electric bill to prove my address. She questioned ID # of XXXX, and said that she has no record of a " XXXX ''. I told her I didn't have a ID # for XXXX. Guess she doesn't believe me. She proceeded to list the number of times I had called in over the past 2 days. I explained that should have no bearing on this, AND that yesterday all I was asking for was a copy of my report. TODAY, I am asking for XXXX   to also CORRECT my address. She refused, saying that I had to send in license AND SS card copy. I explained that this is overkill, esp when I have to go to a bank lockbox to retrieve it. She hung up on me, but made sure she ended the call herself by saying 'bye '' in order to not get into trouble. She expressed annoyance that I was unable to hear her with the background noice on her end. I called her on this, and explained that I have trouble hearing in general and esp on a cell phone, but she defended herself and denied that she was giving me a hard time.

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 2019-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/2018, I made an online wire transfer of {$3000.00} USD from Citibank ( USA ) to my account at XXXX ( XXXX ). I inadvertently used the number of a closed account as the receiving account ( at XXXX ). After investigating, XXXX advises the transfer was not posted to their system, but was immediately returned to Citibank on XX/XX/2018 

I've asked Citibank to investigate this twice, and both times they claim they do not have the funds.

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 2019-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On XX/XX/2019 at XXXX XXXX ( 31 mins ), XXXX XXXX ( 2 mins ), XXXX XXXX ( 1 min ), and XXXX XXXX ( 16 mins ) I called my mortgage company Mr. Copper. I spoke with XXXX ( ext # XXXX ) in regards to a letter I received in the mail. The letter has a statement date of XX/XX/2019. In the letter it states that I have to pay {$80.00} to my escrow account by XX/XX/2019 to have a monthly payment of {$990.00}. Mr. Copper calls that option 1. That is an increase from my past monthly payment of {$980.00}. Option 2 is to have the escrow shortage divided for 12 months and my new monthly payment will increase to {$1000.00}. I paid {$90.00} on XX/XX/2019 to my escrow account to have my monthly payment be option 1 of a monthly payment of {$990.00} and yet my monthly payment increased to {$1000.00}. 

The reason for the call was ensure if I place {$1000.00} in my escrow account would it decrease my monthly payment. When speaking to XXXX she told me that was not possible. I told her I would like to see a copy of Mr. Copper 's policy on escrow accounts and would also I like to speak with her supervisor. The supervisor name is XXXX ( employee # XXXX ), she gave an analogy of the escrow account being like a bank checking account. She said, " If you escrow account is in the negative, then the increase in the monthly payment increases to cover the projected escrow cost. '' I then said, " If that is so then if I transfer {$1000.00} my escrow account then my monthly payment should decrease. '' She told me that is not correct and the escrow account could not have a positive amount and I would receive a refund the following monthly. I then ask if she could send me Mr. Copper 's policy on escrow accounts, a document in writing where it clearly states that as being the company policy. 

It is now XX/XX/2019 and I have not received Mr. Copper 's policy on escrow accounts and that is my chief complaint. 

My secondary complaint is that I paid {$90.00} to my escrow account on XX/XX/2019 to have my monthly payment of {$990.00} and it still increased to {$1000.00}. 

This occurred to me last year as well. I paid the required escrow payment and my monthly payment increased anyways. I am sure if Mr. Copper is doing this to me they are doing it to other people. 

-- Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
This is not a problem with my mortgage so much as it is with an insurance claim to my mortgage bank, PNC Bank. 
I had a house fire in XX/XX/XXXX. My insurance company and I sent the bank the adjusted estimate check at the first of XX/XX/XXXX. The bank released the funds as described in their literature. No problem. In XX/XX/XXXX I sent another check I received from the insurance company for the cost of demolishing the house and cleaning up the debris from the fire. On XX/XX/XXXX this check appeared in my mortgage bank escrow account. Fine. Since that date I have been trying to get this mortgage bank to release those funds so that we can pay the subcontractors who have been rebuilding my house. They first wanted additional information on the adjusted estimate. I had my insurance adjuster contact them to give that information. I waited a week and called their claims department to ask why they had not released the funds. They said they had not received the information from the adjuster. I had the adjuster again sent them by email to a particular person in the claims department. No check. This has been going on in the same manner for over 3 months. I have the subcontractors filing liens on my property since they have not been paid. I call the claims department of this bank every day to ask why they haven't released these funds. I get a variety of answers. Now it's they are converting from and old records system to a new one and it will take 5 or 30 days ( depending on who you talk to ) to be able to review by records. I ask for a supervisor. None are available. I ask for a supervisor to call me. No call. I emailed and wrote a letter to the person on charge of account services. No reply. At this point I believe I'm going to have to file a law suite to get this money released. But that will take more time than I have. Can anyone get these XXXX to release these funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
There is a {$250.00}, on my credit report., But it's not my debt. This loan was in my daughters name. Not mine.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
In applying for a pre-qualification mortgage, I was asked if I would allow an inquiry into my credit I did not want this. So I backed out before completing any further. 5 minutes later, I received a hard inquiry on my credit. I was then told that they tested this out themselves and that it wasn't possible. I asked if they had a system in place to verify this and they said yes. If that we're the case, they would know for sure that I didn't consent to my credit being inquired upon. They said that they tested it from their end and could not replicate my scenario and that was enough to prove I did allow them to check my credit. This was a fraudulent inquiry and it was never approved by me. The way they have the form setup to be used is not secure enough if I can back out of their process without a notification asking me or notifying me of what may or may not happen. 

There is no way they could have verified I allowed them to access my credit. I know this for a fact. I did the application with someone else and they saw this too. 

In addition to all of this and after going through the steps again, I believe there are more issues to address like the way they advertise a pre-qualification and then ask for a credit inquiry halfway through the page. This is why I backed out in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've mailed the Credit Bureau directly due to the inaccuracy of the reporting and validation of 2 public records on my profile. The request to dispute was denied without substantial proof to have this inaccuracy reporting to my credit profile. 

Effective XX/XX/2017, any public record data must include name, address, SSN & DOB in order for it to appear in your credit file. The Credit Bureaus have not updated the information and per the new law, true Bankruptcy listed does not include this information and should be deleted from my credit 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 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've mailed the Credit Bureau directly due to the inaccuracy of the reporting and validation of 2 public records on my profile. The request to dispute was denied without substantial proof to have this inaccuracy reporting to my credit profile. 

Effective XX/XX/2017, any public record data must include name, address, SSN & DOB in order for it to appear in your credit file. The Credit Bureaus have not updated the information and per the new law, true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a chase customer had a checking account for 10 years plus. Never had any major issues. Last week I deposited a check that someone gave me for XXXX. Apparently the check was bad I had no idea. I went to my bank to get money on a Wednesday where I was told my account was suspended. I then proceeded to call my bank when I got home because my baby was in car at time of bank visit and I couldnt go in. I was assured once check was returned from payee bank my account would go back to normal and be unrestricted. Until then I could not make any transactions. So I waited. Check was return next day of course I was charged a fee but I was relieved thought all would be ok. Friday comes and my direct deposit isnt in my account from my employer and I couldnt log in to account. I then call bank immediately where I am told they closed my account but again assured me I could go to local branch and open a new account which I did everything again seemed fine. I got all the necessary paperwork to my employer for new direct deposit, I changed all our accounts online for automatic payments, I had checks to dr.s, etc out there before this happened the banker who helped me was awesome she pushed them through so they would not bounce. Everything seemed fine over weekend come Tuesday again account restricted and find out now Chase has closed that account and I can not open a new one after being told before I could. 
Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I understand originally they were protecting me and maybe themselves from the bad check and any negative activity that could come. But again I had no idea it was bad and of course just as annoyed probably more do than them. I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially after I was told on 2 occasions and assured my account wouldnt close and after it did that I could open a new one. The banker at the local branch who helped me was awesome. She went above and beyond even called the department I guess that closed it or would have had info and demanded they fix and even said you have a recording of where you told her to open a new account. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I shouldnt be penalized for others mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: PA

Complaint narrative:
In XX/XX/2018 I was approved for a mortgage with JGWentworth. 
On XX/XX/XXXX I made an offer on a property and the seller accepted. 
I have paid {$500.00} for home inspection, {$550.00} for appraisal and {$500.00} for deposit. 
On XX/XX/XXXX we were suppose to go to settlement but we didnt. 
I had to sign an extension addendum for XX/XX/XXXX which settlement still didnt happen. I was told I needed to pay down 4 credit cards in order to get approved for the XXXX grant. I then paid {$1000.00} total for the 4 credit cards. Another extension was signed for XX/XX/XXXX which didnt happen because they ( JGWentworth ) told me I had to pay off my car note {$380.00} in order to go to settlement. I then found out that we wasnt going yet again because I was short {$1500.00} I needed to close. A new extension was signed for XX/XX/XXXX and still didnt go to settlement. I spoke to my lender to find out how much exactly did I need. Mr XXXX told me I needed {$6100.00}, he asked how much did I have and I replied {$5500.00}. When then had the seller sign another extension for XX/XX/XXXX. I have the {$6100.00} I need to close and now its another problem. They wouldnt accept the {$3000.00} gift from a friend in order for me to close and the seller had her agent email me a termination of the contract so that she can put her house back on the market. Due to the negligence of JGWentworth I am out of my money. I have done everything asked of me to get this done. Everything I have paid in order to get this property. Its not fair my money was spent on a property that I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/19 at XXXX AM, my account went negative for a moment, and then it went positive. I was also charged {$140.00} in overdraft fees. My transaction ledger does not my account in the negative AT ALL. I have spoken with their phone support and XXXX  support which have all declined to address the fees. I have screen shots of the charges they state caused the overdraft, but the ledger for those charges still have me a XXXX at time of those charges being processed.

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 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: LA

Complaint narrative:
I received a letter dated XX/XX/2019, which stated that an account had been listed with the sender " for collection. '' It appeared from the letter that it was a claim on behalf of an insurance company ( XXXX '' ) relating to a date of " loss '' of XX/XX/2019 and listed the name of an " Insured. '' I have no relationship with either XXXX or their insured, nor was I involved in whatever incident they were cryptically referring to. On XX/XX/XXXX I responded by letter, telling the sender that I disputed the validity of the claim, demanded that they provide information including detail of their so-called claim, and took them up on their offer to identify the " original creditor '' and " current creditor. '' I have not received any response to my letter. 

Instead, I received a second letter, dated XX/XX/2019, telling me where to send my payment. The letter did not include any of the information I had demanded. I understand that this second communication violates the Fair Debt Collection Protect ion Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: C2 Financial Corporation
State: AZ

Complaint narrative:
On XX/XX/2019 An application for a Pre-approval was submitted with C2 Financial with the loan officer XXXX XXXX. We communicated with our loan officer of prior bankruptcy 's and the need to pull credit upfront to ensure the pre-approval we received was accurate. We also provided tax returns and bank statements to verify income. I requested a copy of my credit report and was emailed over another customers full credit report compromising their information. ( Not sure if they were ever told ) A pre-approval was issued to us on XX/XX/2019. We went out shopping for a house with the prequal and went under contract on XX/XX/2019. On XX/XX/2019 I got a call from XXXX  ( Manager to XXXX  ) letting me know that we did not qualify for the loan they had us placed in due to the time frame in which the bankruptcy was discharged,. This is easily found on the credit report. This make the amount in which we offered to but the house to be more than the loan we could get. I gave no orders to XXXX  on what our plan of action would be and told him we would be looking at what could be done, like coming up with the additional fund cash. On XX/XX/2019 XXXX took it upon himself to tell the selling agent for the house we are under contract on that we were not moving forward with purchasing the house. This almost put us in breach of our contract loosing the house of our dreams. We have sence hired a new lender to complete our loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation