vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
my mortgage was transferred from XXXX  ( XXXX XXXX on or about XX/XX/2020 to freedom mortgage and i was never told in advance or at all - i found out by checking XXXX  'XXXX  website regarding my account information. prior to that i began the process to refinance my mortgage with XXXX XXXX. XXXX XXXX   contacted and obtained a payoff amount from XXXX XXXX on XX/XX/2020 and was valid thru XX/XX/XXXX, XXXX not once did they notify XXXX XXXX that the loan was being transferred to freedom mortgage. the total transferred to XXXX XXXX was {$170000.00} which included paying off the principal of {$170000.00} ; prepaid interest thru XX/XX/XXXX of {$790.00} ; an escrow shortfall in the amount of {$1600.00} ; an expedited delivery fee of {$25.00} ; and a $ XXXX county recording fee. the total payoff amount given by XXXX XXXX was {$170000.00} which was about {$100.00} less than the amount transferred to XXXX XXXX on XX/XX/XXXX, XXXX the negative escrow amount was created by XXXX XXXX when in error they overpaid my property taxes by {$2100.00}. i have a federal confirmation number ( #  XXXX ) that the wire in the amount of {$170000.00} was received by freedom mortgage on XX/XX/2020. I made numerous calls to freedom mortgage and once speaking with a supervisor, XXXX ID # XXXX, and was told he didn't know where the wired funds were or when they would be credited to my loan and pay it off. he assured me that 1 ) i would not be listed as past due ( as the loan payment was due on XX/XX/2020 ) 2 ) i would not be reported as late to the credit bureaus and 3 ) I wouldn't be charged interest after the date the wire was received by them to payoff the loan. on XX/XX/XXXX XXXX XXXX sent a second wire in the amount of {$2100.00}, the amount refunded to them by my county treasurer for the overpaid property taxes, to freedom mortgage. these funds, along with the wired funds to payoff the loan should result in a refund to me of at least the {$2100.00} of the escrow funds and approximately {$100.00} of the overpayment with the wire to payoff the entire loan amount. i spoke with a rep from freedom mortgage today and was told that they would only be refunding me {$2000.00}. I was told that they charged me an additional {$160.00} for interest ( 8 days ) from XX/XX/2020 to XX/XX/2020 when the recorded the loan to be paid off. I should not have to pay additional interest for 8 days because THEY took time to payoff my mortgage.

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 2020-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: STEWARD FINANCIAL SERVICES LLC
State: NJ

Complaint narrative:
I contacted Steward Financial on XX/XX/XXXX and spoke to representative XXXX regarding me requesting for a voluntary repossession of the XXXX XXXX XXXX at this time she advised me that her Supervisor would contact me. As of today no one has contacted me back. On XX/XX/XXXX I called again and spoke to representative XXXX. She advised me the supervisor XXXX was not in. I then asked for another supervisor. She informed me she ( XXXX ) was at lunch. I have requested effective XX/XX/XXXX to come pick up the vehicle immediately. I will be having XXXX and would like this handled before hand. I am requesting for an Administrator to contact me back at this point and the vehicle to be remove from my property immediately. On XX/XX/XXXX I received a phone call from XXXX XXXX stating they had did an internal analysis and stated it would not be cost efficient for them to pick up the vehicle. I requested for this statement to be put in writing and sent to me at this time he reported that he wouldnt be able to do this. At this point I ask what is going to happen to the vehicle since I requested for a voluntary surrender. He advised me it would be my responsibility since I am the owner of the car. I am no longer making payments on the vehicle and requested for the vehicle to be surrendered to the finance company. I also asked who was going to be paying for storage since the vehicle will be left on my property where I will jot have any responsibility for it- again he stated I was responsible. I was denied information for the recorded conversation as well as the CEO of the company.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is illegally reporting XXXX XXXX/XXXX Chargeoff Account # XXXX tradeline that is more than seven years old on my credit report. This is negatively impacting my credit score. Both XXXX  and Equifax have long removed this tradeline due to it exceeding the time period it can legally be on my report. I demand that this tradeline be removed immediately. I attempted several times to dispute via Equifax 's online dispute however the dispute page is not properly loading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: SD

Complaint narrative:
I received a letter from Convergent stating they were willing to settle a debt for {$300.00}. XXXX from XXXX XXXX XXXX  XXXX. I have never had an account with XXXX and double checked my credit report to ensure there were no new accounts opened in my name. The original balance supposedly owed is {$880.00}.

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 2020-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Paid twice for the same item. Synchrony bank found one tracking number and cancelled the claim saying it was delivered. Two charges one item tracking number ... Doesn't answer phone, call back on  messages, respond to XXXX  claim nor do they respond to fax.

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 2020-02-24 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: NJ

Complaint narrative:
It has now been over 30 days since Equifax received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted. 

All correspondence attached. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received a fraudulent email asking me to wire funds to Bank of America Account. 

When trying to report it, Bank of America does not allow it unless you have an account at their bank. 

The account is most likely getting a whole bunch of less cautious folks money as I write this. 

I tried emailing XXXX and Calling their fraud department. I do not have an account with them, so can not stop the thief. 
Account given was : Bank of America XXXX XXXX, NY XXXX XXXX Acct Name : XXXX XXXX XXXX, XXXX  Acct No : XXXX SWIFT : XXXX Bank of America, N.A. XXXX XXXX, XXXX XXXX, New York 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 2020-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am having problems with experian reporting my capitol one credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. Capitol One reports to all 3 agencys its on my XXXX  and XXXX XXXX but not XXXX. XXXX tells me to call Capitol One, Capitol one tells me to call XXXX. This has been since XX/XX/2019 with no resolve. XXXX tells me to have Capitol One call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. Capitol One told me to write a dispute letter to them and state they arent reporting but the is NO where to write the letter too. Im at a standstill loss here. I have no idea what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Victim Fraud Assistance Department, Equifax Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop  reporting this information to XXXX, Transunion and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Transunion and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

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 2020-02-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THESE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DON'T KNOW HOW THIS HAPPENED AND I HAVE NO IDEA OF ANYONE WHO WOULD BE ABLE TO DO THIS TO ME. I BELIEVE THAT I HAVE BECOME A VICTIM OF IDENTITY THEFT AND IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. 
I AM ASKING THAT RE-INVESTIGATION TAKES PLACE ON THESE ACCOUNTS AND INQUIRIES. I WOULD ALSO LIKE FOR ALL THE NEGATIVE ACCOUNTS AND INQUIRIES BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THESE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Ive tried contacting Selene on numerous occasions to no avail. Youre simply just carted from one ill -advised customer service representative to the next. 

1. On XX/XX/XXXX and going forward I've been charged a {$15.00} late fee. I paid initially, but noticed it kept resurfacing on my mortgage bill. I've called Selene to ask why Im incurring a {$15.00} fee each month on my mortgage, and I was told by XXXX, one of the representatives that he believed it was an inspection fee. '' Inspection fee for what, when, why and where was the inspection done are my questions? He didnt know and would look into it and get back to me by correspondence. That was 4 months ago. Ive made sure to send all payments via wire transfer or XXXX XXXX w/signature to ensure payment since Selene conveniently misplaces payments by mail. 

2. I contacted Selene by email on XX/XX/XXXX to obtain the months that I've been late on my mortgage, as it was reported to a refinance company that I've been late 8 times. I'd like to know the EXACT DATES AND MONTHS those payments were late. I received correspondence from Selene saying it would take 30 days, it's been over 6 weeks. 

3. Also, my escrow amount increased and therefore my payment. Id like the paperwork confirming the additional escrow amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My Experian Credit Report # XXXX shows 'On Record Until ' on most accounts but this information is missing from the accounts listed below : XXXX XXXX XXXX/XXXX  XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX XXXX - XXXX XXXX/XXXX  - XXXX XXXX/XXXX  - XXXX The aforementioned trade lines are incorrect. Per the FCRA incorrect information must be deleted within 30 days. Also per the FCRA consumer reporting agencies may not report outdated negative information. Many of the trade lines listed above have already been removed from my XXXX  and Experian credit reports due to the accounts being outdated. This further leads me to believe that these accounts are being reported by Experian in error and therefore must be deleted from my credit report as I have a right for all information on my credit report to be correct per the FCRA. ( See attachment XXXX ) Experian repeatedly reports incorrect information under the 'Names ' section by listing my name as XXXX XXXX - Name ID # XXXX. This is not my name, this is not the correct spelling of my name, and there are no accounts on my credit report with this this listed as my name. This entry is incorrect and must be deleted as I have a right for all information on my credit report to be correct per the FCRA. ( See attachments ID-Passport/ID-Birth Certificate ) Experian repeatedly reports incorrect information under the 'Addresses ' section by listing XXXX XXXX  XXXX XXXX , XXXX , TN XXXX-XXXX  - Address ID # XXXX. This entry is incorrect and must be deleted as I have a right for all information on my credit report to be correct per the FCRA.

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 2020-02-24 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: TX

Complaint narrative:
has prepared the following complete text of the Fair Debt Collection. Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p. 
In XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a debt collection letter from Convergent Outsourcing , Inc. based out of XXXX, WA, said that I owed {$4600.00} -- and this debt was coming from XXXX XXXX, XXXX. 

Convergent Outsourcing, Inc said " Our client has advised us they are willing to accept 35 % of your total balance ... your reduced amount would be {$1600.00}. '' The original creditor according to the letter is XXXX XXXX. 

I wrote a letter disputing this debt on XX/XX/XXXX. 

I am complaining because I PAID THIS DEBT back in XX/XX/XXXX ( more than 10 YEARS AGO ) for a settled amount of {$1400.00}. 

Any guesses to how and why this is happening?

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 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Victim Fraud Assistance Department, Equifax Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, Equifax  and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Equifax and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
One address on my XXXX XXXX is correct. The other one is shady. Please correct this problem. The address that is shady is XXXX XXXX XXXX XXXX XXXX IN. XXXX-XXXX  This is not mine. Please look into this since my identity was already stolen If you can help with this I would feel like a monkey stuck in a banana factory. 

Thank you. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation