vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REMAX
State: FL

Complaint narrative:
My name is XXXX XXXX. My house is at : XXXX XXXX XXXX, XXXX, FL XXXX. My phone # is XXXX-XXXX-XXXX. 
I was given the house by my mother who passed away. 
**I met a XXXX XXXX XXXX , a realtor through ReMax. Her phone # is XXXX. 
Close to 5 yrs ago I signed a Mortgage with her, so she is now the holder of the mortgage. For over a year, I have asked Ms XXXX to please forward me a copy of the mortgage I signed only to be told, " not now '', " no '', or be hung up on. I have wanted a copy so that I can go over it and better understand what kind of mortgage that I signed. Further, I've been trying to get the name of my homeowner 's insurance company & a copy of the document showing that I'm insured and what it is that I'm insured for. Again I get the same responses from XXXX XXXX XXXX. Now on XX/XX/2020 I got a call from Ms XXXX saying that in 45 days she will be taking control of my house and can't wait to throw us all out in the streets. I got very upset & crying & said I don't understand. She said to contact her lawyer, XXXX XXXX XXXX and hung up on me. 
My daughter, XXXX yr old, XXXX XXXX called back Ms XXXX only to be told the exact same thing she had just said to me. I then called the number for Atty XXXX XXXX XXXX at XXXX-XXXX-XXXX to get some information about what was going on, to get a copy of mortgage and homeowner 's info and was told, " sorry I can't help you, it would be a conflict of interest ''. I literally am at my wits end and do not know what to do. I'm on social security XXXX and can't afford a lawyer. I do have a case worker who helps me, but they don't even know what to do. 
PLEASE HELP ME. Thank you in advance for any assistance you can give me. 
Sincerely, XXXX XXXX XXXX-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 2020-02-11 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: OK

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX my account was charged XXXX for XXXX XXXX XXXX and XXXX for XXXX and XXXX from a atm, I didn't authorize these charges me and my daughter called the bank Wells Fargo and disputed the transactions than they told me and her that we can not dispute them because they didn't meet certain standards which is crazy because I never went to these stores.

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 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX This short sale was started a YEAR ago with Freedom Mortgage. Freedom Mortgage has been defrauding their investor for the last year by continually coming up with excuses as to why their file is not complete. The latest round of delaying tactics is to claim they dont have documents that we not only sent them a year ago, but have sent them multiple times, repeatedly, ever since. Even after we confirm they have one document they will ask for something different on the next phone call, claiming they dont have it even thought it, too, has been sent multiple times. This time they asked for the purchase contract, which we had just sent them ( again ) on  XX/XX/18. 


*********THIS IS NOT ACCEPTABLE*********** Freedom Mortgage is defrauding their investor by delaying the decision on a short sale. 


We have had issues on EVERY SINGLE FILE WE HAVE WITH FREEDOM MORTGAGE AND THIS NEEDS TO STOP.

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 2020-02-11 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: VA

Complaint narrative:
I never applied for this companies, i don't have any contracts with my signature, I believe, that i was victim of Identity Theft, somebody stole my personal information and applied for this.

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 2020-02-11 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: VA

Complaint narrative:
I never applied for this companies, i don't have any contracts with my signature, I believe, that i was victim of Identity Theft, somebody stole my personal information and applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TN

Complaint narrative:
Conns home plus has been continuously calling me more than 3 times a day from random local numbers. I have given a promise to pay of a certain date and they keep calling. I know calling more than 3 times a day and after a promise to pay was given should not be allowed. They called last night at XXXX this morning at XXXX and then again just now at XXXX I have told them 3 times I would pay it Friday and they continue to call. I have also asked them to please not call me any longer I will pay it when I get paid on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: OK

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: OK

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 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: NY

Complaint narrative:
I noticed a late reporting on my account with XXXX XXXX XXXX account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.

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 2020-02-11 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: NY

Complaint narrative:
I noticed a late reporting on my account with XXXX XXXX XXXX   account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.

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 2020-02-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed a late reporting on my account with XXXX XXXX XXXX   account ending in XXXX.I called XXXX to find out what the negative notation is they sent me a response stating that I was not late in the month I thought they were reporting in XX/XX/XXXX but in fact I was XX/XX/XXXX. Which according to my records all payments were on time. Furthermore when I checked my credit report they are now reporting me late in XX/XX/XXXX which is totally inaccurate. This is inaccurate and false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: OH

Complaint narrative:
lease term terminated on XX/XX/XXXX and car was returned on XXXX.Final payment was made on XX/XX/XXXX. US Bank took another payment out of my bank account on XX/XX/XXXX. This must be illegal. On XX/XX/XXXX they told me they would mail me a refund. I asked them to electronically credit my bank account but they said they can not do that. They now tell me that check was mailed to me on XX/XX/XXXX but i have not received it. They say it can take 14 business days after they mail it. They offered to stop payment and issue another check but that process would take up to 24 business days. this would mean I might get refund over 2 months after they illegally took my money.

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 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I received a letter in the mail from Phoenix Financial Services saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my XXXX in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
Formal complaint that is being filed for " Several matters '' in your county within voicemail. 

" XXXX - XXXX XXXX " ref : " XXXX '' is being left as call back. 

Paid debt for Santandair Auto Loan ( sp ) - have paperwork to prove. 

When I have answered the phone from this caller, stated to them it was paid and they said- Caller stated, " Bring it to court with you. '' and hung up. 

Continues to call for a debt that is not owed and is outside of the timelines to collect if it wasn't paid. 

Never has sent a letter. 

Never has offered a form of communication to show the debt has been paid. 

Phone number reports as : XXXX on caller id call back # is listed as : XXXX - XXXX XXXX ( Information Center ) not a debt collector? 

This company needs to be researched and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CT

Complaint narrative:
I made a transfer balance from US Bank Elan Financial to the my XXXX credit card.After transfer, Elan Bank added to my account {$3.00} interest and on the same day they charged me for late fee $ XXXX.They refused to refund {$29.00}.

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 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I informed the Navy banking that I will have a direct deposit going into my Savings account to pay off the loans every two weeks and they are still harassing me. They are calling my job harassing my associates and I have inform them not to call my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Westlake Services, LLC
State: MD

Complaint narrative:
I had a loan with westlake financial services. When I refinanced with XXXX XXXX XXXX they closed out the account on XX/XX/18 and now XXXX   is reporting a late payment in XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: CO

Complaint narrative:
this bill was supposed to be covered by XXXX XXXX, which i presented at the time of my visit. when i called the number for collections through care point she said they submitted to XXXX which i had. At that time it would've been through XXXX XXXX XXXX plan which i presented at the time of the visit. I've tried talking with care point because i don't think they went through my medical insurance but they gave me different numbers to the hospital. and was back and forth between the hospital and 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 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXX saying that I had a debt for {$500.00} but I could pay around {$250.00} for half of it. I disputed this a couple of years ago because I went to the hospital for my jaw in 2015. Why am I receiving this debt if it was successfully disputed? Also, Ive blocked all the numbers theyve been calling me from it has to be over five or six numbers. Its ridiculous, why continue to call from different numbers?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is My second complaint against this company who has still failed to validate a debt that they are reporting to the credit bureaus. Their reply to my first complaint was that they validated my debt because of an address they sent statements to. That is not a legitimate proof a debt. They also stated a application was done online. 
I am now requesting copies of what they are entailing on their response. I am asking they validate my debt under the FCRA. They are in violation of the law and have not been responsive to me in my request. 
I would like proof that they sent correspondence to that address they have on file and also a copy of an online application. That stated they used Public records I do not have a middle initial to my name. The public records is tied to a person with the same name as me but has a middle initial. This is fraudulent and I demand I proper validation of debt. 
I have proof that the inquiry in my report from capital one was proven to not be me and that was sent to me from Capital one themselves. They are now in violation of the FCRA under section 604 A B and section 809B

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I was garnished in a court of law in XXXX, Co from BC Services Inc, XXXX XXXX. XXXX XXXX, XXXX, Co XXXX. I did not receive proper notice of them taking me to court, nor was I notified of the court date. I received notice from my job accounting department that I was being garnished. I did call BC Services , Inc . They were very rude and laughed me to scorn. They would not let me negotiate to pay a lower amount in payments. They took so much out each month I barely had enough money to pay my rent let alone buy food and pay my bills. I used to go to XXXX XXXX hospital for my health care, they have partnered with BC to get paid by whatever means possible. As long as they get paid. I can not afford to go anymore because they are too expenses. Now, BC Services Inc is  threatening me for physical therapy bills that I dispute the validity of. I believe they want to increase the amount of my debt so they can have me garnished again. What are my rights as a citizen to protect myself from these vultures and to get fair payment plans for medical bills? I have one more complaint about BC Services , Inc . They have not sent me my receipt for the aforementioned garnishment of {$3500.00} court-ordered I paid {$3500.00}. So, they were overpaid. When I called BC on the phone the person I spoke to said I owed an additional {$98.00}. She was told to tell me the {$98.00} was waived. The garnishment was filed on XX/XX/19 and was paid off in XXXX or XXXX. Yet. I have not received a receipt and they said they would send me one. What can I do?

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