vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I began the refinancing process with Lake View Loan XXXX XXXX 2020. 
I have been displaced from one processor to another, totaling two as of today. 
I received an initial email from my 2nd loan agent on XXXX/XXXX/2020. 
I sent a status email to her on XX/XX/XXXX. I placed multiple emails and voicemails, when after several weeks of no return calls or responsive emails. ( Dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) I finally received a call that due to an audit, things had been delayed, no such knowledge of this in the weeks prior. The agent informed me that she would do better with communication. I was not confident in the company at this point but proceeded. 
We agreed on a closing date of XXXX/XXXX/20, with the closing disclosure set to be sent to me within 2-3 business days. To date, it has been 7 business days with no disclosures. I have left 2 voicemails and sent another 3 emails requesting status updates, as the date is fast approaching. ( Dates : XXXX, XXXX & XXXX ). No return call, or email. I find this to be very disheartening and unprofessional, as I have returned documents and responded to their requests for documents in a timely fashion. I do not intend to continue business with this company, as it is clear, they do not value their consumers, time or exercise good time management. This company is by far the worse mortgage company I have encountered. As a recent first time home buyer, I am saddened that they cheapened my experience.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DataMax Corporation
State: NC

Complaint narrative:
XXXX sold the account to Datamax and they report monthly that I have a collection account in my name. They cant verify my social or phone number and yet it shows up on my credit report as a collection. This is almost a six year old account Ive tried repeatedly to resolve. The debt owed hasnt even been proven to be mine but either way I will gladly resolve this matter I just dont know where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Westlake Services, LLC
State: NJ

Complaint narrative:
on the XX/XX/2020 i asked the 3 bureau ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXto remove the negative items that are being reported because they are unaccurate information on my car payments. Ive never been late .The company that financed my car is Westlake financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
I am very discourage by a collector taking money from my family without first validating the debt, knowing how illegal it is trespassing private information with my employer now putting my family at risk without now having my check cutdown drastically taking also away from my child support for my other son.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: TN

Complaint narrative:
Today I noticed that General Revenue Corporations has placed two collections on my credit profile claiming that I owe {$1600.00} and {$1400.00} to the College of XXXX XXXX. I have never even attended that school. These debts do not belong and I don't owe anything. How can I owe a school that I've never attended!!!!?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
My name is XXXX XXXX and todays date is XXXX2020. I have a mortgage with Bank of Oklahoma. The loan number is XXXX. I went to the bank to pay off the remaining balance. They said they could not give me a balance and I would have to call their automated system and wait for a total to be given in a week. This seems wrong because they are able to collect interest for another week. Are they required to give me the amount and let me pay it off immediately during normal banking hours? Should I have to wait a week?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear CFPB, Attached please find : 1-Notice to Debtor letter from XXXX Courts naming WILMINGTON SAVINGS BANK, FSB, ( WSFS ) as the creditor, 2-XX/XX/2020 letter from WSFS advising that it a trustee for the XXXX XXXX XXXX XXXX 

3- CERTIFIED COPY of XXXX County , NJ Deed Instrument # XXXX. 

On the NJ State Government document -Seller 's Residency Certification Exemption- included in the deed, WSFS, not in its capacity but solely as TRUSTEE for the XXXXXXXXXXXX XXXX XXXX XXXX checked off box # 5 which certifies that " Seller is not an individual, estate or trust and is not required to make an estimated gross income tax payment ''. 

We demand that WSFS dismiss the case they filed in XXXX Courts pursuant to their admission that they are not the creditor and that XXXXXXXX XXXX XXXX XXXX is not a trust. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: OK

Complaint narrative:
I have disputed this information with XXXX and of course it came back verified. On XX/XX/2019 original creditor vista village apartments notified me that I had an unpaid balance in the amount of {$550.00} due. My lease ended XX/XX/2019. XXXX XX/XX/2019 at XXXX I made a payment of XXXX towards the unpaid balance. Payment number XXXX. Total balanced left unpaid was {$440.00}. I was not notified by pro collect to collect this debt as well they are trying to collect {$900.00} when that wasnt the original debt owed.

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 2020-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I have no knowledge of this account. I never received any notifications about this account. This is listed as medical and it violates HIPPA and I want this removed asap.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX my identity was stolen. I noticed late XXXX that someone rented 2 apartments, had an XXXX XXXX XXXX and XXXX account opened in my name and did not pay any of these bills. At first I never noticed the charges until I needed to apply for credit. Once I saw them I began trying to get them off my credit but did not know how to go about doing so. I disputed the charges but they kept coming back. I was then told I needed to file a police report which I did. 

The company that I am have an issue with is National Credit Systems. I have submitted in writing to have the original signed lease agreements to be sent to me and have not received any as of yet. I then contacted National Credit Systems by phone and requested that they send me those items and still have yet to see them even though they stated they have electronic signatures and IP addresses. My next step was to contact the apartment complex and they could not send me any documentation they stated they do not have any originals or electronic signatures. 

National Credit Systems are trying to take me to court and garnish my wages even thought they have not provided any original paperwork showing my signature, or electronic IP addresses. I need this taking off my credit and not have my wages garnished as these are not my charges. I have provided information that I lived in my home for 11 years and never rented any apartments during the time they were rented. I had electric bills, water bills, established and can show they were paid via my banks accounts during those rental times. 

I am at a stand still as to what to do next. Thanks Deflated Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Since XX/XX/2020 my credit card with Citigroup has been a victim of internal fraud, which has cause immense equitable harm and injury. On XXXX, While on a recorded phone call with Citigroup Credit Line Management ; I spoke with a Citigroup agent named : XXXX, with Agent ID # XXXX, this agent confirmed that several payments one for {$250.00}, 2nd for {$510.00} and 3rd for {$490.00}, were made to the account and " Would Not Be Credited '', because Citigroup had the right to not credit the account and remove all funds from the account without authorization for the account owner. I was then instructed that Citigroup was closing the account without warning or reason and not return any of the funds that they have received. Since XX/XX/2020, until this day XX/XX/2020, Citigroup has altered the ledger bookkeeping of the account multiple times and has applied a " Certificate of Deposit for - {$500.00} '' to the account, and still refuse to allow the account owner access to these funds.

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 2020-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
There are 5 separate debts listed and I have no knowledge of any of them nor have I received notice of these. These are listed as medical and violates HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: WI

Complaint narrative:
I disputed this debt in XXXX of 2020. This is not me. I do not owe this company. I've never done business with this company. I want it deleted.

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 2020-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: A+ Loans, Inc.
State: TX

Complaint narrative:
I received an email about a past due balance. The email indicated to call a number and they would assist you with your loan. I was placed on hold for over 25 minutes and got a text from someone else at a different location of the business. I contacted XXXX who sent the text and was notified that I needed to pay in full and they would send an update to the bureaus. I asked him to clarify which kind of update because the email stated they would remove delinquencies but XXXX kept talking in circles. He couldnt provide clear information. He also attempted to lie and tell me that they cant request our accounts be updated a certain way with the bureaus because they dont control whats reported. The business does report directly to the bureaus and tells them what to post and I did not appreciate him lying. I felt uncomfortable submitting payment to him, as he clearly is not well versed to be handling my account. I emailed the business and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been a SunTrust mortgage client for almost 7 years and was looking to refinance my loan to get a lower rate. I thought my years of on time payments and 800+ credit score would make this process easy, boy was I wrong. They changed documentation requirements several times due to Covid ...? When I finally got feed up and started looking around it turns out that I was able to get much better terms, APR 2.776 vs. 3.125 on 30 year refinance. Once I notified SunTrust that I was using another lender they issued a " statement of credit denial '' due to inability to verify income. I am retired and can make my income whatever I need to. They would not return calls or e-mails. I will payoff this SunTrust this week and will never do business with this organization again.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Issue is identity theft allowed by apartment, and fraud allowed by apartment and utility company. They have a business relationship and neither party has attempted to rectify the situation. Both parties knowingly allowed me to be charged electricity that i did not utilize even after proof was provided. 

If tenant had moved in with utilities set up, i would have never been charged. Apartment is lying, and utility company has allowed it. They could reimburse me and obtain the outstanding debt to the occupying tenant that it belongs to. Apartment has refused to send me their information. 

XX/XX/XXXX was the month i moved out of this apartment. I had to set up utilities with my lease term in the beginning, and I was not allowed to get keys until this had been done. 

When I moved out, the new tenant used my account to set up utilities. The utility company claims it is impossible for the same address to be on two account numbers, and this tenant used my account number knowingly and the apartment never verified their account was set up. 

This violates their move in policy with the apartment complex, and XXXX confirms this by stating the account was never set up in their name. 

I was ultimately charged on auto pay for several months, resulting in thousands of dollars until XX/XX/XXXX when I realized the {$500.00} bill being taken out. 

I called the utility company and apartment complex to try and resolve situation, and be reimbursed for the money. I was given no help on either side, and the utility company sent the following month of utility bills to collections without notifying me or calling about the debt. I had no idea until it reported to my credit report as a collection. 

Now, I have suffered thousands in damages and can not refinance my mortgage any longer. I tried disputing the charges with the credit bureau but because it is my name on the account, they say it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX, Chrysler Capital received a check from myself to pay off the lease-buyout. I included the pdf of the pay off amount and that it was good through XX/XX/XXXX. On XX/XX/XXXX, said check was cashed, but my account showed that I was past due on my payment. I previously put a stop payment on my checking account through XXXX to prevent a Chrysler Capital from debiting my account. When I called, a customer service representative stated to, Give it 48 hours max to close the account. I called Monday and it is now Friday and my account is showing past due payment. My account does not show the pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Nudge Funding, LLC
State: CO

Complaint narrative:
I successfully completed a conventional refinance with Box Home Loans ( https : //www.boxhomeloans.com/ ) two days ago, but the process was mired with delays and irregularities that I feel need be investigated by the CPFB. 

On XX/XX/2020, I submitted an application with a 60 day lock for a conventional refinance for two of my investment properties. During the application, it was noted that due to their rates being slightly lower than the market average, it was essential that all requested documentation be uploaded within a timely manner. Within 48 hours, I submitted all initial documentation through the website. 

On XX/XX/XXXX, I received an email from my assigned loan officer, XXXX XXXX, containing a link to a video with a message from the CEO. In the video, the CEO explains that due to heavy application volume, " Refinance loans, in some cases, may take up to 90 days, '' which would imply a closing date no later than XX/XX/XXXX. Given that knowledge, I continued my application with Box Home Loans. 

On XX/XX/XXXX, I was given notice that my application was submitted to underwriting for initial review. My application was not reviewed by underwriting until XX/XX/XXXX, a period of 82 days from when I submitted my documentation. During this window, I was charged for, and had, an appraisal completed without knowing if my application would be approved. 

During this 82 day window, I would frequently try to contact Box for updates on my loan. Phone calls always went unanswered, but emails were responded to. I was told that due to their pipeline being 500 % of normal, they could not process my loan in a timely manner. I suggested that they slow or stop taking new applications so they could focus on completing the existing ones, but this fell recommendation was not implemented. 

On XX/XX/XXXX, I was assigned a loan processor who had a couple requests for followup documentation. I provided all documentation to her within 24 hours and the file was resubmitted to final underwriting. It took until XX/XX/XXXX until my loan was cleared to close by underwriting. We are now on day 118 of this process, even though the CEO I should expect no more than 90. And I feel like this would have been slower were it not for what seemed like my incessant haranguing of my loan officers. The loan funded on day 120. According to XXXX XXXX, conventional refinances in XXXX took an average of 54 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: TX

Complaint narrative:
I've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.

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 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for Amazon credit and they responded with an inaccurate credit score. They claim it came from XXXX  - JP Morgan Chase, and I get all alerts from XXXX  directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to enter my XXXX account and on their website page it stated there had been suspicious or fraudulent activity on my account and I was to call their security department immediately at phone number # # # # # # # # # #. When I did they said they had to run a security scan and downloaded a program where they took over my computer. After they ran the so called scan they said they wanted to check and run the scan on my other bank accounts. They sounded so very professional that I allowed them to run the scan on my Wells Fargo accounts. They now had total control of my computer as I sat back and watched the cursor move around by them without me ever touching my mouse! They stole ALL of my money from both accounts at Wells Fargo which was fraud of course but Wells Fargo WILL NOT reimburse the stolen funds.

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