vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured XXXX XXXX XXXX card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my experian credit report. XXXX XXXX responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. XXXX XXXX already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! XXXX XXXX says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!

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 2020-09-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
Today I have paid {$920000.00} for my house I borrowed {$210000.00} in XXXX. 
I paid off an {$82000.00} line of credit in XXXX XX/XX/XXXX payoff {$250000.00} This is {$920000.00} interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: CO

Complaint narrative:
We purchased our home in XX/XX/2019 and our mortgage was transferred to Home Point Financial. This mortgage is at a 4.75 % interest rate. In XXXX of this year we began to shop for a refinance. Home Point reached out to us after we were already approved by another company and offered a low cost refinance at an advantageous rate, with a significantly lower initial cost than the other company so we went forward with the application process. We have very good credit and an very advantageous loan-to-value. We completed our application on XX/XX/XXXX and the company went completely silent. We have repeatedly reached out to our assigned originator, XXXX XXXX, and more recently demanded to be put in touch with someone in higher authority and he has not responded to any communications since XX/XX/XXXX. It has now been over 60 days since we completed our application, and the only contact was a revised disclosure sent to us about 3 weeks ago. We believe this foot-dragging is a scam to keep us from refinancing our high interest loan. Now we have to begin the process again with another company which will negatively impact our credit rating. We would appreciate any action you would be willing to take against them to force them to at least tell us why we were declined, or even if we were declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received an email Sunday XX/XX/XXXX on my PayPal account of a successful transfer {$610.00}, but I did not authorize/request this transaction. The money had been transferred to a prepaid Visa. I contacted PayPal twice to advise it was not authorized, that it was not my Visa card. Both times they replied that it WAS authorized and they could not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emergent Business Group, Inc.
State: MN

Complaint narrative:
Received first letter from XXXX XXXX XXXX dated XX/XX/2020 requesting payment for a debt from original Creditor : XXXX XXXX For the amount of {$1600.00}. this is not my debt and I have had no contact with XXXX. I then sent within 30 days a letter to them stating that this is not my debt. # 1-I asked for full name and mailing address from the original creditor for alleged debt. # 2-i request documentation showing you have information that i am responsible for this debt. # 3-Documentation showing you are licensed to collect debts in my state. I also asked them to cease trying to collect this debt. I then received a second notice on XX/XX/2020 from a second agency Emergent services for a second attempt to collect on the debt from XXXX XXXX. in the amount of {$1600.00}. I sent a second letter to Emergent within the 30 day period requesting the same information and asking them to cease their attempt at collection on XX/XX/2020 I received a letter from the Emergent Compliance program manager which included a copy of the XXXX XXXX RENTAL-PURCHASE AGREEMENT/LEASE for the alleged debt. The address of the original purchase does not belong to me. The Bank account associated with this clam does not belong to me. THIS IS NOT MY DEBT and i would like this resolved so it does not affect my credit.

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 2020-09-24 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: GA

Complaint narrative:
I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have not blocked the information and do a thorough investigation even though I sent a police report, reported from FTC, and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me with any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX  uni date opened XXXX account # XXXX amount XXXX date opened XXXX and account # XXXX amount XXXX address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXX XXXX   XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA 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 explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX - {$1300.00} Payment Posted ( XXXX to Mortgage / Addt {$500.00} to Escrow ... escrow portion never properly credited ). 
XX/XX/XXXX - {$810.00} Payment Posted ( Seems to be system error ) XX/XX/XXXX - ( {$650.00} ) Paid to Hazard Insurance XX/XX/XXXX - {$300.00} Additional Escrow Payment Posted ( credited correctly ) XX/XX/XXXX - ( {$810.00} ) Misapplication Reversal ( to correct system error on XX/XX/XXXX ) XX/XX/XXXX - ( {$500.00} ) Misapplication Reversal ( this should not have occurred ) The original {$500.00} payment to error has not been credited nor has a refund check been sent out. Lender has not accounted for the payment portion nor explained why Misapplication Reversal for that amount happened on XX/XX/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 2020-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company has reported negative information to the credit bureaus of a debt with them. It is reported on my XXXX credit file, and my XXXX  credit file. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. I never received the requested information nor any follow up from them. The name of the company is Credit Collection Services. They have reported this negative information to 2 of the 3 credit bureaus. This was originally reported XX/XX/016 in the amount of {$100.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In 2019 I used Transunion 's free credit reporting service to obtain a credit report. Since that time Transunion has been charging me $ XXXX monthly. I've been able to cancel my " membership '' but the damage has been done. I paid {$420.00} for a " free '' credit report a year ago. This behavior is dishonest and malicious. If there is anyway I can get my money back, that would be nice. 

Otherwise you have to stop these companies from selling something for free and hoping the victim doesn't catch their charges after they forgot. 

If I robbed someone once a month for 17 months I'd go to prison. Transunion does it you have a business.

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 2020-09-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I receive DAILY phone calls from Navient regarding debt collection on a loan that is not mine, I did not sign for, nor have any liability regarding. In the past 24 hrs I have received 3 phone calls. Unfortunately, this is not a unique circumstance. This has been an ongoing issue. 

Navient 's calls currently equate to harassment, and I can not get them to stop. 

I have already filed this complaint in the past, and supposedly I am on the do not call list. It does not seem to be working. 

I personally have NO outstanding student loans. So Navient should not be contacting me regarding someone else 's debt. I have no interest or liability in the status of another 's finance issues with Navient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I applied for credit with Wayfair to purchase products on their website.

The banking co. they use is Comenity card. I was late on a few payments because I had a hard time logging in to my account. I got aggravated with it and decided to just pay the total balance I owed which was {$380.00} ( payment date was XX/XX/2020 ) ... A Couple weeks later I get a bill for {$35.00} which says it's for a late fee! I was angry but I paid the {$35.00} on XX/XX/2020 ... .Now their calling me saying I owe {$110.00} i'm assuming it was for late fees! Their calling me at least five times a day. Emailing me and texting my phone. Please help me solve this problem. I have bank statements showing where I paid this ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN INTERNET MORTGAGE
State: CA

Complaint narrative:
To Whom It May Concern : On XX/XX/20, we ( husband and wife ) refinanced the loan amount of {$380000.00}, loan # : XXXX, through American Internet Mortgage , Inc. ( AIM ) located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. But on XX/XX/20, we were notified of the " Courtesy Notice '' of a possible " Real Estate Fraud '' on " unaware of this transaction '' by the record office of the County of XXXX in California. We contacted our lender American Internet Mortgage ( AIM ),  Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Shawum its employee said the XXXX XXXX XXXX is not the subsidiary of the AIM. We have been paying the mortgage to AIM since the refinance. 

So we are complaining about real estate fraud of the following XXXX XXXX XXXX accordingly. 
We reiterate to appreciate your time and consideration.. 
Should you have any question, please dont hesitate to contact me. 

Thank you for your time and consideration. 


XXXX XXXX XXXX XXXX The owners of the property at XXXX XXXX XXXX, XXXX, CA XXXX as joint tenants as husband and wife. The home property is the res of our living trust. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Hours : Opens XXXX Closes XXXX PM ( XXXX ) XXXX ; ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
This is an insurance issue, Spoke with Ability Recovery Service regarding the matter several times. They do not have the actual billing information, which was made clear when it was discussed with the insurance company. All they have to do is submit the actual billing information to the VA for 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 2020-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am attempting to contact my mortgage servicer for questions about my escrow and payment due dates. Their website has been reporting " errors '' for the past 2 days and instructs me to " try again later ''. I have been trying to use the website morning, noon and night for 2 days. Their XXXX number has been completely overwhelmed for the past 2 days. I entered a " callback queue '' earlier this morning and have not had a call back in the past 4 hours. I tried calling again this afternoon and the number just disconnects when you select to use the automated system. LoanCare has a duty to make themselves available to customers and has failed to fulfill that requirement. I would like ot understand what my options for recourse are if this situation does not improve.

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 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I received a prepaid Card in the Mail on Monday from usbankreliacard. I live in New Jerey and am currently employed and never unemployed. I researched that this card is for unemployment benefits and I have never been unemployed. I have lock my credit file. I have sat on hold for 2 hours one time and 1 1/2 hours the second time to be hung up on. I did not ask for this card and I do not want this card. I was to to reach out to my state unemployment office and sat on hold there numerous times to be hung up on each time I called.

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 2020-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian which is a credit report website advertised that " you only had to pay a one-time fee of XXXX dollar '' for a credit score report. They said nowhere that they would keep my credit card on file and sign me up for a monthly subscription in which I would be paying around XXXX dollars. I have no idea was I was charged that the past two months and did not sign up for that. Their website didn't say that they would do that anywhere. I got charged for the month of XXXX and XXXX both on the 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 2020-09-24 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: I.C. System, Inc.
State: GA

Complaint narrative:
In XXXX of 2020 I reported to all three credit bureaus and many creditors ( I.C. Systems being one of them ) that several accounts were fraudulently created in my name while I was away. I provided information of who I knew to be responsible along with a police report, FTC report and an intake and release report from the institution I was held in. I.C. Systems received all of this information. An investigation was done and the item was removed from my credit report by XXXX of 2020. On XX/XX/2020, I.C. Systems knowingly re-reported the fraudulent debt to my credit report. When I called for answers, the same day, they expressed that they did not have any of my identifying information such as my date of birth, last four or full social, or a correct address on file. They refused to speak to me any further unless I verified the debt. That same afternoon, I disputed the account with XXXX. I tried to dispute through the IC System website, but it asks me to input personal information they've already admitted to not having. So today, XX/XX/2020 I typed up a credit dispute letter to submit to them directly.

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 2020-09-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I spoke with the Executive compliance office and the creditor ( XXXX ) that is showing the past due delinquencies on the credit report. After thorough investigation and research, the creditor acknowledged that they sent a retraction letter to update the delinquencies. The creditor, XXXX, Department of Education, states that they have provided numerous attempts to all three credit bureaus to retract the delinquencies showing on the credit reports. The loan has been on an approved deferment or forbearance since the life of the loan therefore no late payments should be remaining on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, On Saturday morning, XX/XX/XXXX, near XXXX XXXX, I called an XXXX  to go home. I was waiting for my XXXX  outside the XXXX  XXXX in XXXX when I hoped into a car who claimed to be XXXX. It was very late at night so I didn't recognize. Once the trip started, I found out it wasn't my XXXX. The lady said she made a mistake. I immediately cancelled my XXXX  through my phone. She said I could pay her by using the credit card processing machine in her car. I said yes and input my card and entered my pin. She saw me putting in my pin number. She looked at the machine and said the transaction didn't go through. However, she said she feels bad for wrongly picking me up and causing me to miss my XXXX. 

Everything was fine until on Sunday, XX/XX/XXXX, afternoon, I checked my wallet and it did not have my debit card. I panicked and checked my bank statement. There were 4 fraudulent transactions that had occurred. One at a XXXX XXXX ATM ( not my bank ) for {$800.00}, one at XXXX for {$330.00}, one at XXXX for {$300.00}, one at XXXX for {$330.00}. 

My bank, Regions Bank, has denied my dispute twice despite me filing a police report. They have even gone on to said they won't look at the CCTV footage and if the police were to provide it for them, they wouldn't consider it since my PIN was used. They claim since my pin was used, I am liable. They are not considering my PIN is compromised.In short, they are saying a PIN can never be stolen. They are saying there is no such thing as PIN fraud. I am deeply angered and hurt that my heard earned money is not being refunded to me by the institution that promises to safe guard it. Please help me get my funds back.

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