vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
My escrow account is {$230.00} over the required amount due to New Jersey XXXX XXXX for senior citizens. On Wednesday XX/XX/XXXX I contacted a rep from Home Point Financial service but could not resolve this with her and asked to speak to a supervisor. I was transferred to supervisor XXXX XXXX and explained the escrow statement sent to me in XXXX was incorrect. They anticipated my quarterly property tax payment to be {$1300.00} but was actually {$1000.00} due to rebate. He said he understood and would request an expedited escrow analysis and I should call him back Friday XX/XX/XXXX at ext XXXX. I called twice Friday once speaking to rep and second call left a voice mail on his phone. I called again Monday and rep assured me she would email XXXX that I called requesting a call back. Today XX/XX/XXXX I talked to an XXXX and after explaining again the problem was transferred to XXXX 's voice mail and requested an update and again no follow up. I am attaching their escrow sheet which shows required balance and incorrect anticipated balance. Actual balance is {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Back on XX/XX/XXXX I filed a complaint against this XXXX/Loan Care company because I felt was very unfair I would be penalized to pay an extra {$10.00} for online payment. 
On XX/XX/XXXX a rep from Loan Care called me, said they would do a one time courtesy refund for the first 2 {$10.00} taken and advice that if I set payment to process as auto draft I would be waived the {$10.00} every month. I was only refunded {$10.00}, never {$20.00}. 
I did so, setup auto draft, but due to their system take 2 month almost to process, I was forced to call in XXXX because I got a letter stating my first auto draft would be XX/XX/XXXX, I called to let them know I did as told and set it up for XXXX ( ya-ri-ya-ri-ya ... explaining ), spoke with XXXX on XXXX at XXXX XXXX, he apologized and said as ( again ) one time courtesy, seem all they do is first times, he would take the payment over the phone with out fee and confirmed next pymt would be auto drafted ( XX/XX/XXXX w/o fee - which happened ). Now I am getting a statement in which they added that fee that XXXX clearly said would be waived. Once again had to called Loan Care, spoke with XXXX today XXXX at XXXX XXXX, he read out the notes. He confirmed the XX/XX/XXXX conversation, saw notes about refunding my {$20.00}, I told him only got one and also read the XX/XX/XXXX notes which I paid w/o fee bc was waived. Now they want those {$10.00}. Clearly this company can not be trusted, each rep gives you a different story, no management comes to the line or supervisor to speak with.

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 2019-10-29 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: LA

Complaint narrative:
I mailed in several documents about identity theft and inaccurate information being reported to all the bureaus XXXX, Experian, and XXXX. All companies have not fully complied with the Fair Credit Reporting Act and it is disturbing me that I have requested verification and validation of whom the reporting agent is to the fraudulent accounts. Student loans accounts totaling up to $ XXXX do not belong to me as I have not had any financial obligation to a loan from any school whatsoever. I mailed in documents identity theft affidavits, other agencies that made claims of a debt that I have not saw any validation from the bureaus to confirm anything attaching me to a contract or a actual debt I owe. I began disputing this information in 2017 and still have not had success clearing up this fraud that is giving me nothing but problems. I have faxed over documents to XXXX several times within the last 5 months. The only company that has almost complied is XXXX, every other company has not done there job to report information accurately.

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 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Overcharge 1.25 % interest rate for adjustable mortgage from the original loan documents. 

Not correctly debit principal from bi-monthly payment, instead putting the extra amount into the OTHER column for 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Unauthorized inquires on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: NY

Complaint narrative:
Unauthorized inquires on 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 2019-10-29 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: NY

Complaint narrative:
Unauthorized inquires on 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 non-monetary relief
Consumer complaint received 2019-10-29 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED

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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: AZ

Complaint narrative:
I submitted a complaint with you regarding information on my three credit reports. I provided proof/evidence that one of the three credit reporting bureaus removed the information. I sent a complaint to you because the other two did not follow suit. You contacted TransUnion and their reply was that this had already been disputed, but they did not discuss the 'new information ' meaning proof that XXXX had removed the information from my credit report. Matter-of-fact, their letter says nothing about the new information ; it just talks about the old dispute. I am passing my complaint because TransUnion did not reviewal on the new information.

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 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XX/XX/2019 someone walked into another branch of Citizens ( another state from where I live ) and was able to present ONE ID and withdraw almost 10,000 out of checking and savings. It took Citizens five days to file the complaint ( it was a weekend and holiday ) and 10 days before we even had the affidavit sent to me. We have spoken with several people about this at the institution and were told that it clearly wasnt me who withdrew the money and we would be given a provisional credit. We are coming up on three weeks since the incident with no resolution. Horrible customer service! Horrible policies and did not protect me assets!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A.
State: MI

Complaint narrative:
I received a voicemail from a XXXX XXXX, indicating that I would need to meet her at my home on Thursday with valid ID in order to sign for " certified documentation. '' She then proceeded to leave me a number to the mediation office, along with a claim number. She said that I had been " notified, '' and she would see me on Thursday if she did not receive a Stop Order. The phonecall was very threatening. I immediately called the number she had given me, and received the voicemail for someone named " XXXX. '' There was no last name or no company name listed. I left him a voicemail telling him not to contact me again about this issue. Despite that, he called me back after 5 minutes. He informed me that he was from XXXX XXXX in XXXX XXXX XXXX, but would not give me a physical address. He said his name was XXXX XXXX. He said that he was trying to collect a debt from Mypaydayloan.com. I have filed a separate complaint against them. I asked XXXX XXXX AGAIN not to contact me about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian & XXXX have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX XXXX {$380.00} not mine

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 2019-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: J & B Endeavors, LLC
State: MN

Complaint narrative:
I believe I am being scammed by a company called student loan movement. They told me I qualified for federal loan forgiveness but have charged me several hundred dollars in addition to a monthly maintenance fee. This is an example of one of their e-mails. 



XX/XX/2019 Client ID XXXX Hi XXXX XXXX, WHY ARE WE CONTACTING YOU? To remind you that your monthly program payment is coming up on XX/XX/2019, which will be auto-debited from your debit card, in the amount of {$29.00}. 

It's that time of year, time to Recertify your Student Loan Program. Please let us know if you have any changes in your household or your financial situation so we can update your file accordingly. We will need updated proof of income. Below is a list of what you can use as income verification. You can either fax it to us at ( XXXX ) XXXX or you can email it directly to us at XXXX. 



*1 month of consecutive pay stubs with little to no over time for verifiable income. 

Weekly : 4 consecutive pay stubs Bi-Weekly : 2 consecutive pay stubs Semi-Monthly : 2 consecutive pay stubs Monthly : 2 months worth of pay stubs * Most recent Federal Tax Return ( First 2 Pages of your 1040 tax form, please sign these forms before sending them to us ) * Social Security Awards Letter OR Retirement Statement *Self Employed : We'll need a letter stating the following Company 's Name, Location, Monthly Gross. 



If any questions should arise, please feel free to reply here or reach us at XXXX OR toll free at XXXX x XXXX. 



Thank you. 

Student Loan Movement Processing Dept. 
Direct : ( XXXX ) XXXX Ext : XXXX Fax : XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I've contacted Equifax numerous of times in regards to creditors not being able to access my credit report. This has been going on ever since they were hacked. I was given the run around with getting any answers in regards to solving this problem. i am unable to use my credit due to the fact that most companies use this credit reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX & Transunion have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX XXXX {$380.00} not mine

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 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Collection agency, Haris and Haris, spoke to a relative about the outstanding debt and accepted payment from them even though the relative has no liability or responsibility to the debt. 

Amount was for {$9.00} fee and {$9.00} penalty, collected on XX/XX/2019. Had previously spoken to the collection agency, to provide them with my corrected contact information, instruct them to only use the phone number I provided, and then inquired about whether they have a record of the original payment being settled ( which it was ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not heard back from Transunion with regards to this XXXX XXXX XXXX investigation into this account that do not belong to me. I would like this XXXX XXXX   XXXX account removed from my credit report. Please assist me in getting this done. 

It has been more than 30 days since I submitted a dispute with regards to this issue.

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 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Leviton Law Firm, Ltd.
State: TX

Complaint narrative:
I got a call from someone 0n XX/XX/19@XXXX XXXX seeking some $ 600+ amount on behalf of XXXX . I asked details etc, XXXX, etc and they refused to give me. Just saying we are a law firm. I said ask XXXX to first contact me, I need to know what the collection is for but all the person got upset saying I am going to record it as non-cooperation. I don't know if this is a scam or what. Who pays without proof of what the payment is for? How come if XXXX says, we owe them, not reached out to me over the phone since I had an account with them? I am willing to pay if it's something we owe only after verification of the same, quote, etc. Don't know why they will not give me information or XXXX will not call directly first if we owe them the money. Please help. We have a clean reputation since 1999 and certainly don't entertain threatening phone calls with no proof. 
I filed a complaint with XXXX case # XXXX. I informed XXXX and they replied to me as per this, there is no debt we owe. 

Hello, I have talked to our credit department and Mr XXXX does not have any open invoices with XXXX XXXX. 
Thank you! 
Please let me know if I can assist you further. Thanks for choosing XXXX XXXX! 
XXXX XXXX Customer Service Specialist XXXX XXXX XXXX XXXX, IA Office : XXXX XXXX The caller kept on repeating he is a lawyer. My phone showed him calling from XXXX - Levinton Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
I was never given any written notice regarding this collections. This is from a hospital stay years ago and I have paid for that stay in full along with my insurance. If something went unpaid, I am sure I could refute it with insurance paperwork or receipts, however, the company refuses to send me anything in writing and has informed me several times that I need to " simply pay the debt without questioning '' which I do not believe is a good idea with medical debt because I have been burned so many times in the past thanks to changes in insurance, honest mistakes and overlooked payments, especially with the hospital in question!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-29 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Today is XX/XX/XXXX. 
Since XX/XX/XXXX the problem continues with XXXX XXXX  XXXX XXXX XXXX ( from Wells Fargo Bank ) that I paid in full does not appear on any of my credit reports with XXXX, XXXX, or XXXX for 5 years. Please read attached letter.

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 2019-10-29 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: NC

Complaint narrative:
I don't recognize this account and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-10-29 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: NC

Complaint narrative:
I don't recognize this account and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

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 2019-10-29 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: NC

Complaint narrative:
I don't recognize this account and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

Company response to consumer: Closed with explanation