vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: CA

Complaint narrative:
one account name discover has been reporting on my Experian credit reporting only and i have disputed and disputed couple of time it was removed and put back again on my credit file ( experian ), please help me resolve this inaccurate account removed from my credit file. 
they have not been helpful and wont listen to me and my explanations, i need your help in order to have this problem fixed. appreciate

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 2019-04-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: AZ

Complaint narrative:
I am the court-appointed personal representative for my mother 's estate. Once I was appointed the personal representative in XX/XX/XXXX, I contacted Reverse Mortgage Solutions to request an extension in order to sell my mother 's property, which had a reverse mortgage on it. I was told by XXXX that because the loan is " old, '' they were unable to grant an extension without the house being put on the market immediately or having an offer already in place. XXXX informed me that if the loan was newer that I could just request an extension and it would be granted. I requested a copy of the appraisal that I was told was completed on XX/XX/2019. I never received a copy of the appraisal. This was requested verbally and through email at XXXX. I paid for my own appraisal of the property and decided to seek out investors for an all-cash, quick-close offer and kept RMS informed when I had an offer on the table and asked for another extension. My request wasn't even acknowledged. On XX/XX/2019 I requested a payoff amount through XX/XX/2019 and received it on XX/XX/2019, but I noticed that this company charged a {$720.00} fee on XX/XX/2019 for " Corp Adv- Prop  Preserve Other. '' I contacted the company on XX/XX/2019 and asked to speak to a SPOC  agent, as this was what I was told to do in the email with the payoff statement if I had any questions. I spoke to XXXX, who indicated that she could not tell me what the {$720.00} fee was for and that if I wanted to know that I would have to request that information in writing, but it could take up to 30 days for the company to respond. This company is incredibly unscrupulous and clearly lacks transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
I applied for a reverse mortgage at AAG and the appraisal was done on XX/XX/2018 I was assured by my adviser at AAG that a local appraiser with experience in my area would be chosen by AAG 's appraisal management company. Instead the appraiser came from a different county about 30 miles away with obviously no experience here. 
I finally received a copy of the appraisal XX/XX/XXXX and was shocked by the incompetency of the appraisal which was filled with errors, omissions, and an inaccurate lot description ( he left out a contiguous 12,600 sq ft ) lot that two other appraisers included in the site description. This small town has homes up steep narrow hills and or very busy streets, and those were the ones chosen. My home is in the " flats '' of XXXX which have entirely different prices. 
My adviser at AAG " challenged '' the appraisal but I received no info on this process and had a very experienced XXXX agent/30 yr resident of XXXX provide many comps to him which supported a price of about one million to 1.5- the appraisal was for {$860000.00} I paid {$500.00} for an appraisal which is useless and incompetent and have done both a XXXX complaint against AAG and a Bureau of Real Estate Appraisers complaint which is pending. 
I have asked AAG for a refund of the {$500.00} to no avail. 

I have many pages of documents and info to show how this all happened, but not sure which ones best to send/

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my deceased parent 's home in order to take pictures for a Broker Price Opinion ( BPO ). The BPO was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of XXXX XXXX XXXX , XXXX ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and XXXX has been previously put on notice regarding trespassing. I contend XXXX has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX XXXX illegal actions at the direction of XXXX and XXXX, I and my siblings feel violated and threatened. XXXX  continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. XXXX has been repeated told this property is NOT the property described in the purported mortgage. In addition, XXXX has yet to provide a legitimate claim per XXXX Surrogate Court Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: CA

Complaint narrative:
four fraud and inaccurate car loans are reporting under my equifax credit file. 
i have disputed these several times i have even called the creditors but so far no results, i am very much stressed out and very much upset, please i researched and found out that o could complain about this situation, you are my last hope, i need to have these inaccurate and fraud accounts removed from equifax credit file. 
i will be attached my police report and the FTC report which has all the accounts reporting on my equifax credit on the FTC. 
help me to resolve this issue,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I have explained to the representative for the company that I am aware that I owe this debt and I will be paying $ XXXX  monthly to get this debt paid off. I am currently behind so they continue to call me multiple times a day ( generally 4-5 times a day ) Monday - Sunday. They call me while I am at work and I work for a XXXX  and I am often in meetings, they call me while I am at church. I have paid this debt down some and I'm currently paying slightly more that the monthly payment to get it paid off. I have asked them not to call me everyday but I was told they could not control that. I was also told they needed the exact day I would send the payment. The exact date will change because I get paid bi-weekly. Our checks are automatically deposited. Recently, I was 2 days late sending it because our financial director had to leave due to a family emergency so I didn't get my pay as scheduled. Therefore, I was 2 days late sending the payment. This is why I prefer to send it monthly. This is a debt from a car that was totaled. I have paid over 12,000 on this debt and owe XXXX. I don't mind if they call me once or twice a month ( if I miss a payment ) but calling me everyday, 4-6 times a day is excessive. I was going to apply for a loan but the past due is on my credit and has hurt my credit so I am trying to pay this as I go.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent a seller a total of {$680.00} ( three different payments {$300.00}, {$200.00}, {$180.00} ) for three pairs of shoes. I was in contact with her once the payments were made and she told me told me itd be two to three weeks to receive them once shipped. I waited, and decided to get back in contact with her and after multiple attempts I received no response. I went through my bank to file a dispute in an effort to get my money back, and the claim was denied and I was told to get in contact with Cashapp to receive my money back. I then got in contact with Cashapp and was told there is nothing they can do for me, to try again with my bank. After contacting my bank again regarding the same claim, they then explained to me that Cashapp will not issue a chargeback because their service was rendered. This is very frustrating because I have been given the run around looking to resolve this issue. Cashapp 's customer service is next to useless and I would like to be provided with quality customer assistance to get this resolved, its hard to walk away from {$680.00}, especially when you've been scammed out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Received letter from XX/XX/2019 from LVNV Funding/resurgent whoever they are. This debt was a write off charge off on taxes with XXXX   XXXX! Im tired of them contacting me not validating the proof that I owe them. This is a 3rd prty collector!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: WA

Complaint narrative:
four fraud accounts have been reporting on my credit file, for the longest time, and i have been disputing these inaccuracies, with equifax credit reporting agency, they have not been helpful at all, and XXXX and XXXX have deleted all these inaccuracies except equifax. and they are not even listening now to what u have been trying to explain and they are placing inaccurate disputes and wrong explanations for each disputes. please help me out, i have researched and found out that you are here for consumers to back them up, so i am writing to you in this regards, these few months have been disaster for me and my family. i have never lived under the address the addresses that they are discussing i keep explaining but they dont care. 
please have all these inaccuracies removed from equifax sporting. XXXX bless you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: CITIBANK, N.A.

Complaint narrative:
In response to CFPB complaint XXXX CitiBank approved monetary relief for my private student loan under its permanent XXXX program for military veterans. I have contacted XXXX and CitiBank to notify them that the credit reporting agencies are still showing I owe the debt + interest. XXXX on several occasions informed me they do not service my former loan and that I need to contact Citi. When I contact Citi, Citi tells me XXXX does service my loans and they have been instructed to remove and perform the appropriate actions. I again contact XXXX and is told the same information " we do not have any information on your loans, your loans is with a different servicer possibly ''. XXXX also told me that I should probably dispute the information with the three credit agencies. 

I contacted all three agencies and opened a dispute and each dispute was closed as " No Change, Creditor validated information on report is correct ''. Therefore, the credit agencies still is under the impression I owe this debt despite me sending them the letter from CitiBank showing the loans should be removed. 

I have uploaded the original complaint, the letter from citi, and the response from one of the credit agencies.

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 2019-04-09 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: NV

Complaint narrative:
one XXXX account has been reporting on my credit all three bureaus. i had disputed and now it has come back on all three bureaus, i have proof that this inaccurate and fraud account that was opened with out my knowledge was removed from all three major credit reporting agencies and now it is reappeared again. 
please i called experian to dispute and their answer was that no more disputed, this is crazy, i need to have this inaccuracy removed and deleted from my credit file. 
please help me to do so thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
they satd i own them XXXX i only own XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I noticed that I had a debt collection from Merchants Credit Guide. The original debt was with XXXX XXXX XXXX. I contacted XXXX they had the wrong address and phone number for me. I never received a bill. The Hospital stated that they would get the debt back from Merchants. I was contacted by XXXX on XX/XX/19 and was told that they had gotten the debt back from Merchants, I paid the bill on that day. On XX/XX/19 it is still on my credit report and Merchants stated that they did not receive any information from XXXX. XXXX stated they sent the information to Merchants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
My Mortgage company has not spoken with me since I filed this complaint was XX/XX/2019. I would receive a call every third day. I called in regards to this foreclosures cancellation date and the company was not aware of the the current servicer decision

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp
State: TX

Complaint narrative:
I was referred to Equitable Acceptance Corporation for a loan forgiveness/consolidation program for my student loans XX/XX/XXXX. I called the company and setup an account with them on XX/XX/XXXX. At that time I was informed that they consolidated my loans and I pay them monthly while they pay my loans off. XX/XX/XXXX I received an email from my student loan officer with XXXX XXXX College stating I was 174 days late. I called my loan officer on XX/XX/XXXX and found out that the company was fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cheadle Law Firm
State: TN

Complaint narrative:
Cheadle Law is handling an alleged debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TN. I dispute this debt. Cheadle Law sent me a letter advising me I could dispute the debt within 30 days or else it would be presumed valid. Because debt collection agencies are notoriously bad at communicating efficiently and effectively ( although I've had no specific previous experience with Cheadle Law ), I went ahead and contacted them through the XXXX XXXX   XXXX  to report that I believed they were attempting to collect on an invalid debt, dispute it, and request they mail me the required documentation to account for the alleged debt. 

However, Cheadle Law responded only to ask the XXXX  to close the complaint as " not appropriate '' because I was not their " customer. '' It was only on my second attempt that Cheadle Law agreed to send the requested documentation to verify the debt. 

Additionally, Cheadle Law has claimed I owe an addition more than {$1000.00} toward legal fees in addition to the reported debt owed to the original creditor. However, Cheadle Law has ignored my request to provide a specific accounting of the costs or to justify its fees. I again request they do this. 

Please note I still dispute the debt and I am asking Cheadle Law to  cease and desist all contact and attempts to collect this debt aside from verification of the debt and documentation of the accounting for fees charged.

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
MY EX WIFE XXXX XXXX XXXX IS USING MY INFORMATION TO RECEIVE CREDIT CARDS AND OTHERN LOANS IN MY NAME. I'VE CONTACTED CITI SEVERAL TIMES AND THEY STATED THERES NOTHING THEY CAN DO. XXXX XXXX XXXX MY EX WIFE SINCE XX/XX/2015 HAS ALSO OPENED BANK ACCOUNTS IN MY BANK WITH LINES OF CREDIT. THOSE CREDIT CREDIT ISSUED BY CITI BANK ARE FRAUD.

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 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX and every other day of the week ( weekdays Im contacted by this company saying. I owe over {$2300.00} for a loan that I got with XXXX XXXX XXXX. I mentioned in XXXX to XXXX XXXX XXXX that I may be out of work for some time tried to get a lower amount to possibly pay since husband was XXXX to XXXX   instead of XXXX. Which has been hard to find a job. Ive recorded a few calls with this company on my sons cell phone they are very pushy stating I should try to get the funds from someone else. Which I have always done by myself and worked. I left my job of almost 4 years in XXXX and we are barley making ends meet. This loan was over {$140.00} every two weeks at my old job. I could afford it. Now the collections. Department is being very pushy calling me way early in the morning. Demanding pretty much that I pay. Theyll tell me to contact them when financial situation is better but then contacts me again from random numbers that I dont even know. This loan was received in XXXX from then until XXXX i paid over {$140.00} every two weeks now they are saying I owe over {$2300.00} for this loan in collections. Which I cant afford! I refuse. The lady XXXX never mentioned any type of fees with interest being added for the loan at all. I even asked for a payment to be pushed to the end. she said she couldnt Do it! When it was with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Nelnet, Inc.

Complaint narrative:
In response to CFPB complaint XXXX XXXX approved monetary relief for my private student loan under its permanent XXXX program for military veterans. I have contacted XXXX and XXXX to notify them that the credit reporting agencies are still showing I owe the debt + interest. XXXX on several occasions informed me they do not service my former loan and that I need to contact XXXX. When I contact XXXX, XXXX tells me XXXX does service my loans and they have been instructed to remove and perform the appropriate actions. I again contact XXXX and is told the same information " we do not have any information on your loans, your loans is with a different servicer possibly ''. XXXX also told me that I should probably dispute the information with the XXXX credit agencies. 

I contacted all three agencies and opened a dispute and each dispute was closed as " No Change, Creditor validated information on report is correct ''. Therefore, the credit agencies still is under the impression I owe this debt despite me sending them the letter from XXXX showing the loans should be removed. 

I have uploaded the original complaint, the letter from XXXX, and the response from one of the credit agencies.

Company response to consumer: Closed with explanation