vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION
State: CA

Complaint narrative:
First Mortgage Company sold our existing loan to XXXX, however, when they sent a check to represent our escrow account balance to XXXX they only sent a check for {$3600.00}, yet our escrow account had {$3900.00}, that 's a {$310.00} difference. I have tried contacting the company but I can not get a hold of anyone and I have grown increasingly concerned.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I approved a XXXX Dealership approval for XXXX on my new auto loan. The dealership sent my approval to 4 to 5 other financial institutes without my authorization. My XXXX was calling constantly and my credit report dropped by XXXX points within 2 days. 

I only authorized XXXX. I am asking the other agencies to have the hard inquires removed from all XXXX credit reports, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION
State: CA

Complaint narrative:
We refinanced and obtained a mortgage through First Mortgage Corportion with a first payment due XXXX/XXXX/15. On XXXX/XXXX/15 we recieved a letter from First Mortgage Corportion that our loan had been transfered to XXXX XXXX and that all payments starting XXXX/XXXX/15 should be made to the new servicer and the new loan number and payment address was included. All payments since then have been made to freedom mortgage and our loan as well as all escrow funds were transfered over sucessfully. We are now receiving collection notices from First Mortgage Corportion threatening forclosure. I did speak with a collection rep late XXXX when they called me at my place of employment and advised them of the letter I recieved and that on time payments have been made to freedom mortgage. The rep apologized for the mix up and said they would contact The new mortgage servicer to verify that payments had been made. I assumed that they had done that and closed out their records. Until XXXX/XXXX/15 when I recieved a letter dated XXXX/XXXX/15 threatening forclosure if payments for XXXX and XXXX are not made in addition to hefty fees that have been added. The payments for XXXX and XXXX have been made on time to XXXX XXXX. Just like First Mortgage Corportion requested in their letter dated XXXX/XXXX/15. What they are doing can not be legal

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc.
State: NM

Complaint narrative:
I bought a living room set from Conn 's between XX/XX/XXXX and XX/XX/2016. I have had this living room for less than a year and started experiencing issues with it 3 months into the purchase. I called the company in regards to the issues because along with the installments I purchased warranty for the furniture. After many failed attempts to contact them and get a technician in to fix the issues I finally received a response. When the technician came to my home and see what parts he would need he advised me that the part would arrive in ten days and I was to call them back so they could come and fix it. Two weeks after waiting for the part it never arrived I then contacted warranty department and they advised the part would not ship out to me for another ten weeks. At this moment I discontinued the payments to the company. I feel that the company has been deceitful towards me and setting unrealistic expectations and providing me with false advertisement in regards to their products and services. I am going on months without been able to utilize the furniture, and more issues with it have arised since then with different part of the furniture. This furniture was on rare occasions used, I do not have any other persons living with me therefore I am the only person that has access to use the furniture which is maybe twice a week considering I am at work XXXX out of a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genesis Credit Management, LLC
State: OR

Complaint narrative:
Property management company billed me for a cleaning fee after I moved out of the residence. I never was presented with any documentation indicating that I owed a cleaning fee. The debt has been sent to collections for a debt I do not owe. There is now a derogatory entry on my credit report which is an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Credit bureau is reporting inaccurate information I have not entered into a contract with the accounts listed. 
XXXX acct # XXXX XXXX acc # 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 non-monetary relief
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Documentation was sent to Experian listing a request for the deletion of multiple inquiries that were listed on my report in error. I also spoke to someone in their special handling before it was not helpful even though she had my police report that I previously sent. Proof of any signature on an application from me requesting credit. The following are the inquiries that I expect to be removed : 1.XXXX XX/XX/XXXX, 2. XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX, 4. XXXX XX/XX/XXXX, 5. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 5. XXXX XX/XX/XXXX and XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, 8. XXXX XX/XX/XXXX and XX/XX/XXXX, 9. XXXX XX/XX/XXXX, 10. XXXX XX/XX/XXXX, 11. XXXX XX/XX/XXXX and XX/XX/XXXX, 12. XXXX XX/XX/XXXX and XX/XX/XXXX, 13. XXXX XX/XX/XXXX, 14. XXXX XX/XX/XXXX, and 15. XXXX XX/XX/XXXX. I also have XXXX accounts that I asked for verification on and was refused. I understand that it 's my right to have everything report so I expect for that to happen. The accounts are follows : 1. XXXX, XXXX, XXXX, and connected account number XXXX is showing me having a late payment which is in accurate. I 've never been late on my account so please have that fixed. All I want is for Experian to follow the laws which are set up to protect us as consumers.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX Creditor Contact Details XXXX, PA XXXX XXXX I have no idea who they are or what they do. They keep putting hard inquires on my credit report every number that I have tried to call is disconnected. Please remove them from all of my credit reports. 
XXXX, OK 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 non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Trans-Fast Remittance LLC
State: GA

Complaint narrative:
On XXXX XXXX 2016, I had transferred {$2200.00} to my bank account in XXXX using transfast money transfer facility ( XXXX ) value+ option, and the estimated date of delivery of funds as per the receipt was XXXX. On XXXX, when I checked the status of the transaction in TRANSFAST website, the transaction was marked as completed. Since the transaction was completed, I did not bother to check my bank account ( in XXXX ) then. On XXXX, when I checked my bank account ( in XXXX ) to make a transaction, that 's when I realized that the funds were not transferred by TRANSFAST, even though their website still continued to mark the transfer as completed. I immediately called up the customer care for transfast to file a complaint about this issue, and they informed me that, the account was credited on XXXX ( though their website said it was delivered on XXXX ), and if I did not receive the money, I will have to send an email to their customer care with a screenshot of the bank account ( in XXXX ). Finally I sent them a screenshot of the bank account ( in XXXX ), and the issue was forwarded to transfast 's XXXX partners for researching. After researching for 2 days, I got a reply from transfast that " the XXXX partners have investigated the issue and the recipient 's bank has rejected the transaction '' and the amount will be refunded back to my account in 5-7 business days. Each of their statement indicates there is fraud going on and complete lack of transparency. I tried reaching out to the customer service for answers to the following questions, but I am not getting appropriate answers in-spite of repeated emails - 1 ) What was the reason indicated for rejection by recipient bank, and the date of rejection? I have spoken to the recipient bank ( as it was my own account ) and they indicated that they would reject a transaction only when a parameter like the account no or XXXX XXXX ( similar to routing # in US ) was wrong. I believe transfast 's partners in XXXX have used incorrect information to make the transfer, because I have been transferring money to the same account for the last XXXX yrs, and there has been never an issue. 2 ) If the transaction was rejected, how was the transaction marked as completed on transfast website? If I had not come back and raised this issue, it would have been still marked as completed and this is fraud. 3 ) If the transaction was rejected, why was it not communicated to me and why the money was not credited back to my account immediately or within a reasonable amount of time ( 5-7 business days as indicated in agreement ), but instead transfast retained my funds until I filed a complaint? Also transfast is giving inconsistent/false statements - website says transaction delivered on XXXX, customer care says transaction was delivered on XXXX, and now XXXX partner ( for transfast ) says transaction was rejected by recipient bank. Which of them is true?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : 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 non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Greetings, My complaint is that " Wells Fargo Bank '' has been over drafting my personal checking account from time I opened it in XXXX in XX/XX/XXXX until XX/XX/XXXX, After 2 - 3 years I transferred my accounts to XXXX, Yet each Month they targeted me due to having a low account balance and found a way to " Over Draft '' me ... .Finally it got to be too much for me and they closed my account for none payment, Paying my over drafts each month I still managed to open a business checking account along with a secured business credit card with a {$500.00}. limit, Eventually from receiving too many over drafts It got to be too much and they closed my business checking account, After numerous complaints Wells Fargo gave me credit on my accounts XXXX out balance before closing them, Shortly after providing me with a {$67.00} balance on my secured business credit card, Within 6 weeks without using it they also closed that account leaving me with a fictitious balance saying I took out a XXXX for {$5.00}, My goal is to reach out to all Advocates, Publicity, Consumer Affairs, XXXX who are familiar with Wells Fargo 's cruel practices, O.C.C. and many more, But I will be filing Court proceedings this morning to the Executive & Corporate Bank Office of Wells Fargo in XXXX XXXX ( XXXX Hours away ) all being done EMMEDIATELY Thru the Grace of 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 monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Asset Mediation Partners LLC
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, I was contacted at my place of employment by a person calling himself " XXXX. '' He said he was a processing agent and had legal paper to serve me at my workplace and papers to give to my HR department to start garnishing my wages. He advised me to contact XXXX XXXX XXXX at XXXX to stop the process of serving me. He would not give me a callback number or tell me what company he worked for. The called id was UNKNOWN. He called may office phone several times in a row and also spoke to our receptionist and left a message with her. I contacted AMP and then was told it was Asset Mediation Partners and the I had taken out a payday loan with XXXX XXXX XXXX in XXXX XXXX and had defaulted on said loan which is fraud and theft by deception. He said I could only pay the {$1400.00} by credit, debit, or PREPAID card. I asked for a debt verification letter which was emailed to me. I then called XXXX XXXX XXXX to verify that I had an outstanding debt with them. They informed me that I do not and never had. Their records do not match my name, address, or social security number. I called Asset Mediation Partners back and told them the debt could not be verified. The person then advised me to call XXXX XXXX XXXX to verify their records. I told him I already had and the debt could not be verified and I did not owe it. I asked him to send me a copy of the papers I was to be served with and he told me he had no idea what those papers contained. He claimed the " location service '' has the paperwork and he is not familiar with what would be in them in the State of Ohio. I asked him what paperwork would be given to my employer in order to garnish my wages and again he could not answer the question. He then advised me to call XXXX XXXX XXXX 's corporate office, which I already had, in the morning and then call him back. The debt does not belong to me. I did email back a letter to advise them to not contact me at my home or place of employment anymore and that I am filing a claim with the CFPB. I also looked up their website athttp : //www.assetmediationpartners.com and the phone number they list on their website is not a working phone number.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Roycroft Management
State: CA

Complaint narrative:
I received a threatening call from them indicating I owe them money and if I do n't pay they will have me go to jail. I have asked this company for UPSP stamped letter in the mail to support their claim that I owe them money three times. Twice on the phone and once on email yet I have not been able to get any documentation. I have provided them my correct home address. I would like to report wrong unlawful practices of this company and their collection issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is a continuation of the problem with SLS, unable to point to any facts to claim that I am a month behind in my payments. I have provided bank transaction codes to prove my monthly payments were all made, including payments made to cover the difference in payments that were short due to payment amount changes. 
In their most recent letter to me, they claimed I did not pay the XX/XX/2016 payment. 
Online, tonight, I received a new message from SLS and amazingly, it states that they NOW claim I did not make the XX/XX/2016 payment. I have wasted many hours providing proof of payment and they keep changing their story. Once again, here is the proof that I certainly paid the XX/XX/2016 payment. It was short ( because I did not know that the amount had changed ) but after speaking with a representative at SLS I sent another check on XX/XX/XXXX to cover the difference. I attached records to illustrate. 

What do I have to do to get SLS to update my account to reflect my payments for which I HAVE PROOF of 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 explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MNE Services, Inc
State: IL

Complaint narrative:
I took out a payday loan on line from USA and paid it back through my checking account via direct debit. I started to get threatening phone calls and eventually a XXXX XXXX called stating he was an attorney calling to inform me that my case was being filed in court unless I settle for {$550.00} on XXXX XXXX XXXX. He had me to purchase a XXXX card and fax a copy of my ID along with a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. The XXXX cards I purchased was XXXX with and exp date XXXX and XXXX on the back and a XXXX exp XXXX and XXXX on the back. Now XXXX called my home phone stating that my case with a ref # XXXX will be filed in court unless I settle for {$300.00} or set up payments over 6 months for {$74.00} to settle the debt out of court. He stated he was calling from arbertration and he transferred me to the payment dept to set up the payment. He caught me off guard and I gave him my debit card number and {$50.00} to come out XXXX/XXXX/XXXX. Afterward I realized it was a scam and went to my bank and cancelled the card on XXXX/XXXX/XXXX. I do not owe any payday loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Alessi & Koenig, LLC
State: CA

Complaint narrative:
On XXXX XXXX, 2014, a debt collector threatened to take my home if I did n't pay them the XXXX they claimed I owed them. I did not owe that money asked for a breakdown of fees they refused to give me the explanation of their fees. They thought I was behind on my Home owners association fees but I paid them they refused my checks and returned them. This attorney firm located in XXXX XXXX was determined to auction my home I paid XXXX for in XX/XX/XXXX. On XX/XX/XXXX without warning to me or the mortgage lender, they auctioned off my home for XXXX when it is worth XXXX in current market. They left me with a XXXX mortgage that I am still responsible for. My lender is still paying the taxes and Insurance and charges all this to me every month.This firm is corrupt and has racketeering charges and convictions. They bribe as many people as they can and have taken over XXXX properties. We do not have XXXX for attorney fees to fight these cases. They take these homes and milk them for rents until the bank forecloses on me. They have taken the title out of my name and threatened to call the police if I step XXXX foot in my home. 
I need help getting this property returned to me I do not have attorney money, I want your organization to look into this Alessi & Koenig and find out why all these courts are allowing this ...

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This may be a XXXX-type complaint about American Express. I had, and cancelled, an American Express credit card years ago. But a little while later, I was suddenly reinstated. I then cancelled it again and, a while later, it was again reinstated. I gave up and now just keep it in the drawer. However, last year I received notice that I opened a high-yield savings account. At the time I called the police thinking my identity had been stolen. However, given the XXXX XXXX news of aggressive salespeople opening unwanted accounts, I 'm now wondering if this explain it better, yet via a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
After using my credit card to make purchases, and paying off the balance in-store as allowed by the terms and conditions, my card was locked for review. I created a negative balance inadvertently on my account. I intended to make future purchases to rectify that, but once my account was locked for review i could no longer make purchases. After my second phone call inquiring about when my card would be unlocked, i was told " not to hold my breath '' and that I should request a credit for my credit balance. I replied that i didnt want a credit refund, i wanted to use my card again. On my third call, i requested a refund check for my negative balance, as directed by the representative. On my fourth call, after about 4 weeks of not having the ability to use my card, i called again today. I was told that my card was still under review, with no way to tell when the review would end.

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