vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Currently have a loan with US BANK Mortgage. Reached out to them to take advantage of the low interest rates ( Refinance ). I connected with XXXX XXXX NMLS # XXXX His number XXXX at first he was very responsive. Once he ran my credit and got the process started he disappeared. Literally, I have emailed him, called, left messages, no response. Now, XXXX XXXX the loan processor is telling me that my Debt to income ratio isn't sufficient. That makes no sense to me since my income has tripled. I am not sure if I am being profiled here or just fell through the cracks. I can not get any answers from anyone and I am left high, and dry. I spent MONTHS submitting documents blindly. No closure, no one to follow up with, nothing. XXXX XXXX simply referred me to XXXX but he is MIA. I don't even know if he works there anymore.

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 2019-12-10 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: NM

Complaint narrative:
I have an erroneous " collections '' report on my credit history. I have submitted 3 disputes with TransUnion to remove it. The first dispute was lost in their system. The second dispute they reported that the information was correct. For the third dispute, I wrote to the creditor ( XXXX XXXX XXXX ) and received a response saying they had corrected their records and " We have requested that the CRAs remove any related negative reports for the information we provided ''. The other 2 CRAs did but TransUnion did not. I called on XX/XX/XXXX and talked to 3 different people including a supervisor but they said they they were powerless to help me. On XX/XX/XXXX I wrote to XXXX XXXX, VP and Head of Financial Services Collections at TransUnion and have not yet received a response. On XX/XX/XXXX I was declined for a loan from my bank, XXXX  XXXX XXXX, based on this TransUnion report. I don't know what more I can do. Please help!

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 2019-12-10 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: Certegy Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/2019, we attempted to pay for groceries from XXXX. The check was declined by Certegy do to derogatory information. I made contact with Certegy to obtain my report. When I received the report it contained nothing. But they, Certegy or XXXX cant explain why our check was denied.

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 2019-12-10 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: MS

Complaint narrative:
I initially contacted Equifax on XX/XX/XXXX by mail, disputing inaccurate information on my credit report. I waited the duration of 30 days still didn't hear anything. I sent another letter on XX/XX/XXXX following up with the initial claims still no answers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
Recently my mom asked me to purchase her home as she was moving in with my sister ( XXXX  ). Keeping the home in the family was her wish so we agreed on these terms : sale price was $ XXXX, of which she would get $ XXXX, my wife and I were to get $ XXXX to clear debt and accomodate new loan. I went through Loan Depot as a 2nd time customer and clearly explained these terms to him repeatedly over the course of 7 weeks. He replied back on XX/XX/XXXX, in a very condescending manner that he explained to me " many many many times I was getting what I want ''. Still have the email. 
Three days before closing I get an email from him ( XXXX XXXX ) to the affect of " wait, we can't do that, it's against the law '' " you can't get cash out on a purchase '' etc. I don't pretend to know their industry, I made a request and was told repeatedly it could be done. 
In addition to this, at the closing, we found out that we're paying mortgage insurance to the tune of {$100.00} a month. On my mom 's home, at a severely discounted price ( $ XXXX was agreed upon, and it appraised at $ XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had received a credit card from Bank of America that I did not apply for. In fact, my credit report with XXXX  was on freeze. Someone was using my information in order to obtain a credit card in my name. The credit card received is a Premium Rewards Card through BOA. When I opened my mail and saw the issue, I immediately contacted Bank of America in order to resolve the situation. I explained to the agent what had occurred along with my confusion since I had a credit freeze applied. The agent then responded by saying " You must not have a freeze on your account. '' I explained that I most definitely do have a freeze on my account and in fact I received a letter from XXXX XXXX about a platinum card that was declined due to the freeze. The XXXX XXXX platinum card was also another attempt at fraud, but apparently XXXX XXXX has better practices than Bank of America. The card issued from BOA was for a $ XXXX credit line and a {$6300.00} cash available. Over the phone the agent said they were cancelling out the card and reporting the issue. I do not think that goes far enough. I had asked how this could happen if my credit was on a freeze. The agent did not or did not want to provide an answer to my question. Instead they relied on a false assumption. I personally could not apply for a XXXX XXXX  XXXX CC in person without unfreezing my account. BOA needs to be held accountable for not using the proper steps to verify credit card application processes. If a consumer has taken the proper steps to ensure their protection, what's the use if the organization does not abide by those rules. This is a serious problem and needs to be addressed. I would like to know what steps BOA took and how a high-end/elite credit card with a large credit line could be provided in such an instance. No red flags??

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 2019-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
I received a call in XXXX of 2015 from a person who said they were calling from a hospital I had visited several months earlier. They stated that I had a late bill, and since I had recently moved I figured it had been lost in the mail, so I paid the amount ( around {$300.00} ) right on the spot. I later found out that it was a collection agency and not the hospital that had called me. I contacted the hospital I had visited and they said all of my accounts had been paid in full and on time, and that they don't even deal with this collection agency that had contacted me. I contacted the collection agency again ( Transworld Systems ) and eventually they gave me the contact for the XXXX  company  they got the account from ( XXXX XXXX XXXX ) I contacted them and with the information i received from Transworld Systems the XXXX  company said they had no record of me ever being in their system. 

So, the hospital says that I never paid anything late, the XXXX  company has no record of me in their system, but Transworld Systems stil says that this is mine, but when I call them they can't verify anything they tell me. 

I have disputed this account with all 3 credit bureaus multiple times and provided them with documentation backing everything I have said here and yet Transworld Systems still claims this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I took out a New Conventional Home Loan Mortgage Originated & closed XX/XX/XXXX. 
First payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. 
Second payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. 
Insurance premium {$680.00} due XX/XX/XXXX, Insurance Company sent bill, but Bank Escrow Account didn't disburse payment until XX/XX/XXXX. It would have been late, but it has never arrived at the insurance company as of XX/XX/XXXX. I have received a NOTICE OF CANCELLATION FOR NON-PAYMENT OF INSURANCE PREMIUM on XX/XX/XXXX saying the cancellation will be effective XX/XX/XXXX if payment is not received. I called the bank and was on hold and tossed around to a couple of different people who would not/could not answer my questions. First, I wanted to know if the check they disbursed has cleared the bank for payment. Neither of the individuals I spoke with could/would tell me that. They said that inquiry has to go through their research department and that could take 5 to 10 business days. My homeowners insurance is going to be cancelled in 10 business days. There is NO time for that research department to conduct such a time-consuming inquiry. 
I have already received an Annual Escrow Account Statement on a loan that was originated two months ago. I don't think that is acceptable. The loan needs to be in place at least a year before I receive a statement of account. This analysis has already changed by loan payment and showing a shortage in escrow. 
Where is the money that the bank disbursed for my homeowners insurance premium? 
Why aren't they expediting a check to my insurance agent overnight? 
Why can't they tell me if the check has cleared the bank? 
Why is the money already OUT of my escrow account if it hasn't cleared the bank? 
I spent 50 minutes on a phone call to the bank and got absolutely no answers. 
This happened because the financial institution didn't update the payment mailing address to the homeowner 's insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: Green & Sons Agency, Inc.
State: ID

Complaint narrative:
The Collection Company had garnished my wages for a year. When garnishment was paid in full, instead of reporting the debt as paid, they deliberately left a {$5.00} balance showing and dropped my credit score by 45 points. This debt was paid in full. This company knew it was. The garnishment was for over {$4500.00}. All went to Outsource and for them to leave a balance of {$5.00} was clearly deliberate. I had no control over any of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
LoanCare LLC purchased my mortgage from XXXX XXXX  in early 2019. I make all of my mortgage payments within the grace-period allowed by law but this company is charging me a {$5.00} servicing fee anytime I make my payment on or after the XXXX of the month and if I should happen to make the payment after the XXXX of the month they will charge me an additional {$10.00}. They will waive these fees but only if I agree to let them withdraw funds on a predetermined date every month which I can not do as I can not gaurantee that funds will always be available on the exact same day every month. This was not the policy of the previous lender and this policy is not clearly spelled out in documentation by the company nor is adequate explanation provided as to why this fee is being assessed. This seems like an underhanded attempt to force consumers into a service they do not want and the practice should cease immediately.

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 2019-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been trying to deal with them for ten years now, I got these loans because I was told they were just like any other student loan, but these loans you could pay on while in school so you didnt owe so much in the long run. That was entirely false. They will not combine my loans into a single loan, they will not remove my co-signers from the loan, which I was told would happen when I was out of school. They will not allow me to repay based on my income, no other companies will touch these loans. They call me an average of ten times a day sometimes leaving messages sometimes not and they call me from multiple numbers, I only find out who it is after they eventually leave a voicemail. They call relatives and places Ive been and worked asking for me and payments and that I owe money. They harass my family and me endlessly with these calls. I have tried multiple different ways to resolve my loans to make it where I can make payments and afford payments, but they deny every attempt I make. They are asking for 3/4 of my monthly income, and I have an ill wife and child to care for a car payment so I can get to my job to pay on any loans, and a house to pay, and that doesnt include all the other basic things that require money to have like food. Every step of the way this company has lied to me and deceived me I found out for awhile I was making payments and a family member was making payments yet it was never shown that multiple payments were being made. Dealing with this company has been a nightmare and I would never recommend using them for student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: MT

Complaint narrative:
Quicken Loans has been harassing me about taking out a mortgage loan. I have told them no. Without my approval they pulled a credit report and actually created forms. I simply got an email telling me my paperwork was ready to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They have been harassing me for months on this credit card debt they call me with numerous different numbers they call me late night sometimes XXXX or later they call me more than 5 times a day i stress so much on a daily because they call so much. There was one day where i counted how many times they called me it was 10 times.. In one day its getting so bad that i feel like i need to check myself in mental health my brain gets so.tight i cant chamge my number because.my children school. Family ect.. Have this number

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 2019-12-10 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: WI

Complaint narrative:
I RECENTLY REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: WI

Complaint narrative:
I RECENTLY REVIEW MY CREDIT PROFILE IN FOUND FRAUDULENT ACCOUNT THAT I HAD NO AWARNESS OF AND A PUBLIC RECORD CASE THAT TURN OUT TO BE CHILD SUPPORT AN WHICH I HAVE NO KIDS I WOULD LIKE YOU GUY TO REMOVE THESE FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME THANKS

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 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: AR

Complaint narrative:
COLLECTOR IS SKIP TRACING AND LEAVING ROBO CALLS TO SEVERAL CELL NO. IN ARKANSAS, A XXXX ACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: VA

Complaint narrative:
A Fraudlulent XXXX XXXX Account is being reporting on my Experian credit report. This account does not belong to me. I HAVE CONTACTED EXPERIAN ABOUT THIS MATTER ON MANY OCCASIONS.

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 2019-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I opened a line of credit with Fortiva  retail credit from XXXX XXXX back in XX/XX/XXXX. I paid the balance of over {$1500.00} in full in XX/XX/XXXX. They started calling me telling me I owned money. I called to close the account and it was never done. I did not get the mane of the rep I spoke to ( Big Mistake on my part ). I was later hit with an annual fee and late fees starting pilling up and interest because I did not want to keep the account open. As of today XX/XX/XXXX my balance is {$130.00} which are all fees and interest. I owe them nothing. I refused to be bullied into paying something I do not owe. My credit score has dropped by 10 points because of this. I am beyond infuriated. They are crooks and I will never do business with them ever again.I have spoke to so many different reps that they conveniently do not see in their system. I spoke to a customer rep named XXXX XXXX back in on XX/XX/XXXX at XXXX and asked her why are they not honoring my wishes to close the account and reverse those fees. She closed the account but never reversed those fees. Now the fees keep adding up every month and I will not pay them. I paid what I owed in full in XXXX and I will not pay them one more Penney even if it hurts my credit. It's the principal of it all. As I write this I attempted one more time to speak to a representative but I was put on hold and the call dropped. I tried again a second time the call disconnected after I verified my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
Since May of this year, I've called AES about 8 times to prepare for a new repayment schedule that would begin after my Income Based Repayment Plan (IBR) would end (XX/XX/2019). The rep on that call gave me information and quotes on what different repayment options would be once the IBR ended. The rep provided instructions on how to move forward so that I would have a seamless transition to the new repayment schedule. I followed instruction and when I called back was told that I was given incorrect information. This pattern repeated for the subsequent 5 or so phone calls, all of which are/were recorded. After going back and forth for months, I received new repayment schedule options. I called back and accepted a specific option in which the rep agreed and confirmed terms. In order to make sure the correct amount is to be billed in setting up automatic payments, I saw that the repayment amount is ~$XXXX/month more than what I was shown in writing and agreed to over the phone with a rep that operates under authority from AES. This is breach of contract and the most egregious form of deceptive business practices. AES's intent is to defraud borrowers or their employees are so incompetent and negligent in their duties that AES has critical systemic failures at every level. I've tried to resolve this issue multiple times asking to speak with someone in a supervisory position to review the calls and call me to discuss. My intent is to repay my loan, but to do so within my rights and not be the victim of fraud. No one has called me back to date. AES's process is for a rep when asked to be transferred to a supervisor, to say okay and then transfer the caller to a senior rep, then the senior rep when asked to transfer the caller to a supervisor says okay and transfers the caller to a department lead. Systemic failures across the board. My next step is a lawsuit which will include a claim for punitive damages. The abuses are extreme. I've given AES multiple opportunities to rectify the issue amicably and they refuse to comply. I hope the CFPB can compel a response by someone that listens to all the calls and has the information, knowledge and capacity to resolve the issue to get on the agreed upon repayment schedule. If not, the matter will proceed to court. I suspect that I am not the only one that AES is trying to exploit.

Company response to consumer: Closed with explanation