vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest Recovery Systems I have never received correspondence from them about a debt owed prior to this going on my credit. This is the second time I am filing a complaint to the CFPB on them. Last time it was in XX/XX/XXXX for the same mess. This appeared on my credit report on Thursday, XX/XX/XXXX for {$800.00} out of the blue and then on Friday, XX/XX/XXXX @ XXXX XXXX  I received a call from Midwest Recovery from a XXXX, Florida number which makes no sense. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this debt, which I do not. This company continues to do this to several citizens by popping up out of the blue on their credit report and attempting to strong arm people by sending a debt automatically to all three credit agencies with no correspondence or calls. I am highly XXXX off and plan to go to local authorities as they are playing with my livelihood and my credit and appear to be scammers. I am sick of it. Something has to be done with MRS .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: IL

Complaint narrative:
We re-financed our mortgage on XX/XX/XXXX. As part of the settlement process, our mortgage with Statebridge was paid off IN FULL on XX/XX/XXXX. At the time of payoff, we had an escrow balance of {$4800.00}. 

On XXXX, I called Statebridge to inquire on the status of our escrow refund. I was told by the Cust Svc Rep that the " Investors '' needed to approve the refund and that it usually took 30 days. I communicated to the Cust Svc Rep our sense of urgency of getting our escrow refund, due to the financial uncertainty associated with the Covid-19 crisis. She said there was nothing that she could do to expedite the refund, and I then asked to talk with a supervisor. I was transferred to XXXX, and re-iterated the same concerns and asked about getting our refund expedited. I was shocked by the attitude and rude demeanor of XXXX, who essentially accused me of trying to leap frog everyone in front of us and said " you're all in the same boat ''. XXXX does not know our financial situation, and her callous response was both unprofessional and ill-informed. She ended all by saying that " we have 30 days to return your money '' so you'll have to wait the 30 days. 

On XX/XX/XXXX, I called Statebridge again to inquire on the status of our escrow refund. I spoke with XXXX, who indicated to me that the refund process is 30-45 days. This was inconsistent with the timeline that I was given on XXXX. I again re-iterated our sense of urgency in getting back our escrow money. XXXX indicated that he would send an email to Statebridge Cashering to inquire on the status of our refund, but I never received an update. 

On XX/XX/XXXX, my husband called Statebridge again to inquire on the status of our escrow refund and spoke with XXXX. My husband again re-iterated our sense of urgency in getting this money back, and XXXX told him the process could take up to 45 days. When my husband pushed back, XXXX indicated that he would open up a case. When my husband asked for the Case # ( for reference purposes ), he was told that he couldn't have it. This was the LAST straw!!! 

At this point, our loan with Statebridge has been paid off for over 30 days, and we're getting ready to make our first mortgage payment with our new lender. Meanwhile, Statebridge is still hanging on to OUR {$4800.00} escrow funds. It's abhorrent that a big company like Statebridge would take advantage of the " little guy '' during this unprecedented pandemic when many people ( including us ) are experiencing financial anxiety. This complaint is our " next step '' in getting this company to do the right thing and return our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC has discontinued money transfers through mediums like XXXX, XXXX and XXXX. There is no way to send or receive money without using a check. In today 's world that is unacceptable. I now have to link credit cards which require a transaction fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I made a dispute with Transunion about an error in my credit report stating that I was delinquent on a payment back in XXXX XXXX, 2020. They told me they'd get back to me within 30 days. They did not. I had to reach out to them everyday after the 30 days to find out the status of my dispute and they gave me no answer and told me to call the bank that told the Transunion this delinquent error I had. I called the bank, XXXX XXXX XXXX and filed a dispute as well. They reached back to me 3-4 days around XXXX XXXX, and told me that it was indeed an error on their part and that they would update and report to the credit bureaus that the delinquency was an error and needs to be removed/deleted. We are now in XXXX going in to XXXX and nothing has changed and Transunion and any of the other credit bureaus have yet to update and fix this error that's severely damaged my credit score

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 2020-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Debt was handled, I no longer owe for this credit card. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Violation of Cares act and XXXX XXXX. Can't get anyone on the phone- yet again. Conflicting letters sent, along with a paper they want me to sign agreeing to the forbearance terms 1. not what was discussed 2. violation of Cares and XXXX XXXX ( who holds my loan ) to report to credit agencies and can not make all the money due plus the 4rth payment at the end of the loan and fees ( which they aren't allowed to charge.3. Sent conflicting letters ( see attached ) 2 different dates, XX/XX/XXXX and XX/XX/XXXX. 4. no one answers the phone and despite being given email contact they say they can't communicate that way- are you kidding me??? I can contact a supervisor but you can't get through to them either. Contacted an attorney and have a meeting Monday to pursue legal action. Funny after I contacted you the last time when I couldn't even get someone to call to set up forbearance they called in 2 hours. This is beyond ridiculous.

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 2020-04-25 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: MS

Complaint narrative:
Have filed complaint on line and by certified letters to all three parties involved who keep passing the buck to each other blaming other parties included! Problem was not really investigated cause if was it would be fixed by now! Mortgage lender filed bankruptcy sold to other company which in return showed closed account with XXXX balance which hurt my credit by 40 points! But trying to tell them my account is still open the mortgage is still there is NOT paid off!! so they ruin ur credit not my fault they filed bankruptcy! Im still pay on a XXXX mortgage that they show closed but has changed hand serval times before and never went thru this! They cost me a loan XXXX. For there mistake cause ur credit goes by ur score and closed accounts and how much u can borrow I pay my bills and work hard to keep a XXXX score or better for a company to be able to ruin financial life is wrong when its there fault not urs have filed complaints and nothing is being done but passed on the blame to reporting XXXX  and Transunion from XXXX XXXX  my score should have never changed my mortgage is still there all it did was change hands

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 2020-04-25 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: NV

Complaint narrative:
These are not my accounts and this is the second request. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NV

Complaint narrative:
These are not my accounts and this is the second request. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NV

Complaint narrative:
These are not my accounts and this is the second request. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I disputed a collection account that is listed on my credit report by CAVALRY PORTFOLIO SERV. XXXX XXXX XXXX, XXXX, AZ XXXX. 
They are attempting to collect an alleged debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX MULTIPLE CONTACTS WITH LENDER AND CONTINUE TO RECEIVE RUN AROUND AND BEING TOLD TO CONTACT CREDIT BUREAU FOR REMOVAL OF LATE PAYMENTS

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 2020-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX MULTIPLE CONTACTS WITH LENDER AND CONTINUE TO RECEIVE RUN AROUND AND BEING TOLD TO CONTACT CREDIT BUREAU FOR REMOVAL OF LATE PAYMENTS

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 2020-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
Around XX/XX/2020 I contacted my employer to see if the stoppage of my student loan wage garnishment would be reflected on my XX/XX/XXXX paycheck. Employer stated they had not received any notification from the loan holder that the wage garnishment was supposed to be stopped. My employer suggested I contact the loan servicer to see if I can get something emailed to me and if so to email it to the employer. I contacted Coast Professional Inc and asked about a letter that will stop the wage garnishment on my pay due to the CARES act signed on XX/XX/2020. My loan servicer stated that the US Department of Education is the one who is supposed to send out a letter to my employer. So far I have continued to receive these wage garnishments even after US Department of Education put a 60 day hold on the wage garnishments and 0 interest and after the CARES act went into affect. I have not been able to find out how to get a copy of this letter and expedite the process to my employer. I also want to know what the process is for receiving a refund of those wages that have now been unlawfully garnished.

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 2020-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: CO

Complaint narrative:
My name is XXXX XXXX and I was recently laid off because of the COVID-19 Pandemic. I filed for unemployment with the state website and was approved. I was never issued a new card issued by the unemployment program, instead, they used a card that they issued me back in 2015, which of course, I no longer have and have not used in years. The unemployment department admitted the mistake and told me to contact the bank who issued the card and I could report it lost or stolen. The unemployment department and US Bank ( issuers of the prepaid debit card ) are so inundated with phone calls, there is no getting thru to a live person and be issued a new card. This situation has put me in a financial disaster and there is almost nothing I can do about it until the phone lines are free. The unemployment department made the mistake, admitted it, and I am left to deal with it. I can not access the money that has been paid to me. I really don't know who to turn to at this point.

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 2020-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally told us they needed just 30 days to close on a mortgage, and we applied with nearly 2 months notice. They gave us over 50 online tasks with not a single phone call or communication other than automated emails to go to their portal and complete. We did this as instructed. Despite our prompt responses, they continued to ask for duplicate documents and irrelevant information. Our final approval was supposed to be nearly a week before closing ; it is now Saturday night before our Monday closing and they are still asking us for documents. They are also providing inaccurate financial information and waiting until the last possible minute for multiple requests, which has now put our closing date in jeopardy. The absolute worst and most impotent mortgage experience I have ever witnessed. A delayed closing will not cost us forfeited moving deposits, an entire extra month of rent at our apartment which the lease is due to expire on ... .buyer beware with Ally. Minimal communication and incompetent underwriters. BUYER BEWARE - they are not worth the additional $ XXXX in closing cost credits that was the reason we chose them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive had a Macys account for almost 2 years, Ive made on time payments every time besides one time. On XXXX of 2018, I got a new card so I had provide my account number and routing number. I tried paying it on the same day that I always do but was unsure if I provided the wrong information. I tried to confirm with the representative if the transaction was completed ; They said it was. I called 2 days later because the payment wasnt taken out of my account yet, they said it was still confirmed and it may take a couple more days. Another 2 days went by and I called again and they said the exact same thing. A couple more days went by and it showed a late payment. I was on the was for over an hour waiting for a supervisor and they said that they couldnt personally remove the late payment from my account. Ive made a total of 16 on time payments after that. I strongly believe it was a mistake on both of our ends but it could had been forgiven.

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 2020-04-26 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: NCB Management Services Inc.
State: CO

Complaint narrative:
In 2014 I became a victim of Identity Theft. a family member stole my identity and bought a car. I found out a few years later and tried to call the dealership to find out more information only to find out they went out of business. I have never had this car, I have never bought it, only my name was used in the sale. XXXX XXXX sold this debt to NCB MANAGEMENT SERVICES who now is reporting me to all three credit bureaus XXXX, XXXX, XXXX. They claim I owe them {$4000.00}. I do not owew them a penny and will not pay them anything!. I do need the professionals behind me to help me in this fraudulent claim that NCB XXXX claims I owe. I have researched NCB only to find out they are a predator corporation that destroys peoples lives. I will not become their victim. This is my complaint I am a hard working person who is honest about everything. I need help desperately fighting this collections monster who preys on honest hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
I disputed a collection account that is listed on my credit report by CLLCN BUREAU OF THE HU., XXXX XXXX XXXX XXXX, XXXX , N. Y. XXXX. They are attempting to collect an alleged debt that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX around XXXX, I made a transfer for the amount of {$300.00} to a Bank account in XXXX using Remitly. Remitly advised the transfer should have been completed within minutes in this case Friday XX/XX/XXXX at XXXX. On XX/XX/XXXX I checked the status of the transaction and it was still pending. reached out to the company ( Remitly ) but at this time they do not have a customer service number or email working. they had a chat available which I used to address the issue and the CS advised that the transaction was being review by my bank in XXXX and that I should wait for about 12 hours since this is the normal time for a review like this. It is now XXXX XXXX, XX/XX/XXXX and I have not been able to get in contact with Remitly at all. Not through email, phone, or Chat. it is frustrating specially now with was going on now, not being able to obtain answers to an issue like this. Yet, they are ready to to take your money but not to solve the issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26 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: NV

Complaint narrative:
These are not my accounts.

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 2020-04-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: AR

Complaint narrative:
They have loaded my money on the card but it won't let me use it and i can't get anybody to answer the phone.It rings u be on hold for hours and the phone hangs up on u

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 2020-04-26 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: NV

Complaint narrative:
These are not my accounts.

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 2020-04-26 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: NV

Complaint narrative:
These are not my accounts.

Company response to consumer: Closed with explanation