vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
In XXXX of 2019, I received one communication letter from Hayt, Hayt, and Landau saying that a debt from a third party debt collector that they were assigned " my account '' and that a lawyer would be in touch. Well, they were in touch alright, right to court. I had a police officer come to my house a demanding to state my identification and then handed me a summons to small claims court. There was no contact before the summons to mediate the supposed debt. After, I received the summons I made a few attempts to contact Hayt, Hayt, and Landau to discuss the case to avoid going to court. They would never answer the phone or return phone calls after messages were left, there voice mail states they return phone calls within 48 hours. Fast forward to XXXX, I arrived to the court house from supposed mediation as started on the summons, there was no mediator, just another attorney representing them. I had documents that showed that the debt is not correct and even bogus. The attorney did not want to see the documents, all she took was a piece of paper stating I was disputing the debt with the third party debt collector. There was no mediation, all they wanted was for me to agree to pay {$3800.00} on a debt they claim is only {$1100.00}. So, over three times the alleged debt. When I refuse the {$3800.00}, the attorney told the judge that we could not come to an agreement and request a trial. The judge then proceed to tell me that if I lose, all my assets and maybe my husbands assets would be taken and sold ( cars, house, etc. ) and if there was any money left after the sales, I may get it back. In addition, I had to retain an attorney to fight this debt and Hayt, Hayt, and Landau knows this, but they are still sending legal documents to me via mail, instead of my attorney 's office. I would talk to them personally, if they were willing to mediating fairly. Finally, they represent themselves as attorneys exclusively, but hearing their voice mails, they are actually debt collectors.

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 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Sometime in XX/XX/XXXX our mortgage was sold to New Penn Financial. In XX/XX/XXXX New Penn changed their name to New Rez. We received a check in the mail from them for nearly {$4000.00} which we thought was in error. When we called them they said there was no error and that this was a return balance of our escrow account from over-payment of our property taxes. We asked if we could return the balance to our escrow account for use the following year or if this was determined to be an error later on and they refused. Then they reduced our mortgage payment from {$1900.00} a month to {$1600.00} a month for reasons we did not know. Suddenly in XX/XX/XXXX, our mortgage payment was increased to {$2400.00} per month. When we called New Rez to find out why they said it was because we had a negative balance in our escrow account because they should NOT have refunded us the escrow balance from XXXXXX/XX/XXXX which was in fact an error. We are now stuck trying to repay the balance we previously had in the account over the next 12-24 months. Our mortgage is being mismanaged by New Rez and everyone I have spoken to there is not knowledgeable about how to manage mortgage or escrow accounts. The uncertainty with our mortgage and our monthly payments which now change with every statement have made financial planning very difficult. I was told my only recourse was to report them to the federal government since we have no control over who our mortgage gets sold and transferred to even if it becomes mismanaged. Just as someone selects what bank handles their money, we should be able to select who services our mortgage to avoid situations like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: FL

Complaint narrative:
There is a company called XXXX XXXX XXXX ( address : XXXX XXXX XXXX XXXX, MA XXXX ) that has been posted on my XXXX, TransUnion, and XXXX report that is complete FRAUD. Ive tried clerking with them in removing and telling them this isnt me, my name or address. Theyve refused due to being so greedy for money. This is not my account and Ive never opened anything with them. The balance date is : XX/XX/2019 and was alerted to me on XX/XX/XXXX. 


There is also another fraud file reporting on my XXXX, TransUnion, and XXXX report called XXXX in the amount of {$1200.00}. Ive tried stating to them this credit card was opened by my sister and NOT me. Ive had zero help in fixing this issue and it needs to be removed off of my account. I dont Understand why I have To keep fighting these fraud charges. I need My credit files LOCKED

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 2019-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was trying to apply for a XXXX streamline with Navy they ran my credit without seeing if I prequalified according XXXX XXXX XXXX.Asking basic questions when I close on my current loan or how many payments I have made. I f all the information was captured I would of waited to file my application. I did not know I had to wait 6 payments or 210 days from prior refinancing because it doesnt say it on Navy Federal website for the consumer. 
Also the person that is taking the applications should know lending guidelines when taking applications because it would of saved me a lot of time with scanning in my income documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Called Capital One regarding payment made on XX/XX/19- utilization rate & Credit reporting. 

Told statement date is earlier if falls on Sunday. No payments processed on Sunday. 
Payment processes Monday XX/XX/XXXX and not reported until XX/XX/XXXX. 

Credit Reporting : Actually shows utilization for XX/XX/XXXX when cycle was closed in the XXXX at days end. 

Capital One XXXX said Capital One can not make any changes. As a Senior Account Rep for phone support she is the HIGHEST level- no one above her, no other departments to go to. Only can write Capital One dispute department to dispute mis reporting. 
Asked to file a complaint - did not write the complaint with all issues only vague details in the complaint. Then said she had submitted it and could not read it verbatim to me. 

Non Transparency of practices and procedures. Poor customer service and derogatory affects on credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: AR

Complaint narrative:
These accounts are fraudulent : XXXX XXXX XXXX - {$200.00} XXXX XXXX - {$570.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX my chase checking account was hacked and 2 XXXX quick pay transfers ( account ending in XXXX ) were made to unknown person ( {$990.00} and {$770.00} ) totaling {$1700.00}. I immediately contacted Chase fraud dept and executive offices. I was issued a provisional credit of {$1700.00} while Chase investigated mater. I also closed accounts, opened 2 new accounts- changed ID and password. On XX/XX/2019 Chase came back with fraud claim denied with no notice/ email/ courtesy phone call or mail- they just took the amount of {$1700.00} out of my account ending in ( XXXX ) i had pending transactions and cause my account to be overdrawn - charging several NSF fees. I called fraud department and was told they determined that i made the wire transfers my self to a person i knew. They said decision was final and nothing could be done. I did not make those wire transfers. I do not know the person who received money transaction. I have never signed up or used XXXX quick pay. No one has access to my laptop/ cell phone so no way possible i am responsible for this fraudulent incident. Chase does not spend money to protect cyber activity with their online banking services. I also run a daily anti virus program daily on my laptop. I contacted the executive offices ( XX/XX/2019) XXXX ext XXXX ( XXXX ) said he would investigate- also communicated with fraud department XXXX with no success in recovering my money {$1700.00} plus NSF fees as a result of incident. 

I have filed a online complaint with Federal Trade Commission and Texas Attorney general 's office XXXX consumer Complaints. 
Executive Offices Rep ( XXXX ext XXXX unable to resolve at this time. 

Mr. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mid-Minnesota Management Services, Inc.
State: MN

Complaint narrative:
They keep calling me for my ex spouse that I divorce years ago and I even give them his phone number. He live in XXXX I told them several times and they keep calling me. I dont know how to stop this calls. They are calling for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
CFPB complaint I.D . XXXX I received an email from CFPB on XX/XX/2019 telling me I can dispute a response for the complaint # written on the first line. The referenced number has been closed, so how can I respond? Quicken ran credit inquiries on me without my consent, period! A hard inquiry should have never happened without my approval. I did not ask for a loan or fill out any applications. I am still receiving solicitation from their reps! I have told them I am not interested in doing any kind of banking business with them. Period ... ... ..Why can't the complaints be addressed as the complaint was originally brought forward?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: GA

Complaint narrative:
My Membership Rewards account has been under review for several weeks and I can not transfer my points. I tried several times to transfer but failed.I contacted the customer service and they can not help. 
I do need to book a award ticket recently which may be booked out soon. So please free my account, thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Ive had the Target credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time. 

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled. 

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create. Now it will be more difficult for me to establish new credit if I need to because of their poor business practices. 

My credit history with them has definitely been extremely good until I lost my full-time job. I now work three part-time jobs and am becoming more financially solvent. This should count for something! 

They lied, their business practices do not keep the consumer in mind, and something should be done to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have repeatedly over the past three years tried to get the three agencies to correctly report my FICO scores to lending institutions while I attempt to purchase a new vehicle. I was a victim of fraud by my ex-wife and I put a fraud alert over 5 years ago and I have tried and tried at least three times to get this removed to no avail. I provided them with copies of utility bills and my drivers license. The specific problems I have now are. 

Experian shows no score when others show me with scores over 700. 

Ive paid off a small loan that the company cant report because they say Experian wont let them. 

I got a secure credit card that my bank cant report to Experian. 

I had XXXX place a fraud alert on my account without my consent a day after I had it removed. 

Experian, XXXX, and XXXX are all reporting something different.

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 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
Our loan got sold to this company in XX/XX/XXXX/XX/XX/XXXX when we refinanced. It went to XXXX XXXX and then they sold it to Lakeview Loan Servicing. We got our first statement/bill in the mail from Lakeview Loan Servicing and sent it out on XX/XX/XXXX. ( It was due on XX/XX/XXXX XXXX. The payment goes to a PO Box in XXXX Pennsylvania. Were coming up on five weeks later and they still havent cashed our check. We have called customer service numerous times and explained what is going on and they have told us that everything will take a while to transfer. They have no communication with the place that receives the check payments. They dont know where our check is. They havent sent us another statement for XX/XX/XXXX yet. They keep telling us that we should keep waiting, but were very concerned with this company and theyre professionalism. We dont want to get behind on our payments but we also dont want to be slapped with double payments all of a sudden.

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 2019-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On Friday XX/XX/XXXX, I opened a checking account online with TD bank. Account number XXXX. The process was handled fully on the internet and I did not phone in or walk into a branch. 

An opening deposit of {$25.00} was pulled into the account and I enrolled in direct deposit with XXXX XXXX to have an additional {$500.00} transferred into the account. 

Today XX/XX/2019 I attempted to log in and received a message to call in at XXXX. I phoned in and was told my account had been restricted. I was told the account could not be closed and funds could not be moved unless I walked into a branch. I stated that I was not in proximity to any branches and that I had opened the account online. I was told there was nothing that could be done and that only my local branch, located in South Carolina could assist. I was given a phone number for that branch as XXXX. I called and was told by a manager that they would need me to physically visit the branch which is located several hours away from my home in XXXX, North Carolina. 

I am being told my money is held and restricted unless I physically visit a branch, after handling everything online with the opening and verification process. I need my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have contacted Portfolio Recovery on numerous occasion to advise 3 collection accounts which they are reporting on my credit are fraud. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus  as 18 months ago reaging fraudulent debt. One of the debts was previously removed due to fraud and resisted. Another creditor XXXX bank has already acknowledged fraud and acctount not opened on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I was send a credit alert stating that I had a negative remark. So I pulled my credit and got information and phone. And I was told that my name was used for several hospital visit with no insurance and had not paid the bill. I told the lady that it was not me. I requested a copy of bill. She only info that could be provided was date if XX/XX/XXXX XX/XX/XXXX and a date in XXXX. The name of responsible party name was XXXX XXXX my name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
My identity was stolen and 1 of the companies that this occurred with was XXXX XXXX , XXXX . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of XXXX XXXX prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: Credit Karma, LLC
State: OH

Complaint narrative:
XXXX reported to Credit Karma that a credit card account ( XXXX XXXX XXXX ) was removed off my records! This created a drop of 8 points! I have never been associated with XXXX XXXX XXXX nor do I know anything about this company. I have not cancelled any credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc.
State: AR

Complaint narrative:
ON XX/XX/2019, I APPLED FOR {$800.00} LOAN AND WAS APPROVE, REQUIRES 200 CREDIT INSURANCE SSCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
at closing we paid {$1200.00} because Flagstar bank said amount was due to satisfy fees for lawyers. said fees were for foreclosure, when in fact no such foreclosure was taking place. closing was on XX/XX/2019. we received a statement from flagstar bank , dated XX/XX/2019 saying they owed us {$1600.00} from escrow account and it would be paid in 20 days, no such funds have come tous.on XX/XX/2019 i called flagstar for status and was told no money would be coming to us as the moey went to foreclosure and lawyer fees.I fuly feel we have been taken by this bank and would like an explanation and restitution.

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 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have contacted XXXX XXXX on numerous occasion to advise 3 collection accounts which they are reporting on my credit are fraud. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt. One of the debts was previously removed due to fraud and resisted. Another creditor XXXX XXXX has already acknowledged fraud and acctount not opened on my behalf.

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