vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
XX/XX/XXXX : I submitted for our PMI to be removed XX/XX/XXXX : Our house was appraised by the bank designated XXXX XX/XX/XXXX : Called Roundpoint and was informed our home had depreciated in value and was appraised at {$270000.00}. We bought the house XX/XX/XXXX for {$350000.00} in XXXX XXXX, CA. The market has only appreciated. First person I spoke to said I needed to appeal to the XXXX. Second person said I needed to submit supporting documentation and request Roundpoint to review. Nobody seems to know what's going on. 
XX/XX/XXXX : Submitted documentation to Roundpoint for review. 
XX/XX/XXXX : Called Roundpoint and was informed it was still under review XX/XX/XXXX : Received the appraisal in the mail. The appraisal associated with our account is for a property in XXXX, AZ ... not our address! 
XX/XX/XXXX : Called Roundpoint and was informed the current appraisal value was {$460000.00} as of XX/XX/XXXX. Was informed somehow the PMI request was closed and the representative would send it to his supervisor to reopen. Was informed someone would call me within XXXX hours. 
XX/XX/XXXX : Still haven't heard from anyone. Called Roundpoint.  Representative said the last appraisal they have on file is from our Escrow process for {$370000.00}. But the value is {$460000.00}? Doesn't seem to know what's going on. I ask to speak with supervisor. Supervisor apologizes and says he is emailing me along with their Mortgage Insurance department so that I have his direct contact info. Asks for several days so he can figure this out. I confirm I have his direct line and he confirms. 
XX/XX/XXXX. Email Super and ask for update. No response. 
XX/XX/XXXX. Still no response. Call the number he gave me and get the main line. Clearly not his direct line. Email supervisor asking for update, and inform him I will be filing a complaint. Get an automatic out of the office reply. 

Clearly this is really upsetting, that 1 ) nobody seems to know what is happening and I've had conflicting information throughout the process 2 ) They actually mixed up my appraisal with someone and there has been no other explanation, no initiating communication, 3 ) This has been going on for 7 weeks now and they can't seem to figure this out. 4 ) The Supervisor led me to believe this was his direct line and he has been completely absent other than our first conversation. Is this a scheme?

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 2019-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX Home loan fianced amount XXXX Down payment XXXX This loan took forever to close. We went back and forth because of credit issues. However, I paid off everything except my cars on my credit report. People were pulling my credit report all the time which was making my score continuing to go down. I had already had a commitment for a mortgage and all the demands were met, but for some reason the back would not give me the clear to close. So this company took it in the own hand without asking me and switched lenders. I was just going through my email and noticed there were documents for me to sign. These days I thought it was a scam, but I thought I would check with XXXX and see if it was something they did. Sure enough it was and I would told to open it up and sign them ASAP. XXXX  me I do so, I was told everything was the same. From that point I heard nothing from them for 10days. I received a phone call from my attorney XX/XX/18 and said we were closing in 2 hours and bring my checkbook. When I got to the closing, the closing figures were still coming in. Remind you, I am a first time home buyer,  FHA loan, 5.50 % because I had a low credit score, now I had to put 10 % down I was told at one point with closing costs and 10 % down on a XXXX loan it was be XXXX. Keep in mind my credit is all paid off. Well guess what, at closing I needed XXXX Plus XXXX for a XXXX Credit Card that I was an authorized user on and XXXX. on XXXX XXXX that I was also an authorized user on for my daughter. I did not have that extra money but had to pay in order to close. XXXX   never informed me of any of that. I have never heard from them since they changed lenders on me. They stole from me, damaged my credit even more, and fudged numbers. The lawyers I worked with even the bank attorneys could not believe what they were seeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, More than two years ago, paid the full amount to the collection agency. I was told will be removed from your account. 
Already sent the payment letter and XXXX balance letter to the Experian to remove the collection report from my credit score. However, they did not remove it and still keeping in my score. Currently, I have XXXX balance for that account and paid the amount two years ago. 

Currently, trying to get a mortgage loan for better APR, but can not get it because of this score that provided by Experian Please see the attachment Thank you, XXXX XXXX XXXX, XXXX, Ga

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 2019-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
My parents dog recently passed away suddenly and I wanted to get them a new puppy. 

I had been checking into puppies when my mother notified me she had found one through a friend who had gotten a puppy from this company and they were more reasonably priced. 

As they were referred by a friend, and we checked all the puppy scam lists, we were not hesitant to move forward on the transaction. We both signed the contract electronically and on XX/XX/2019 XXXX ET I transferred the money to them through XXXX XXXX XXXX. 

We were to pick the puppy up from the airport on XX/XX/XXXX. They answered all my mother 's phone calls and emails and were very cooperative. 

On XX/XX/XXXX, I received a text message from my mother that she now saw them on the scam list. What we didn't know was that the couple who was referred to us had retired and this company purchased their domain name since they had such a good reputation. 

I have been told by my bank, Huntington, that since it was a XXXX transfer there wasn't anything they could do. When I called again they said they would open a case but it would take 60-90 days and still probably couldn't do anything. 

My mother filed a complaint with the XXXX, TX Police Department ( we are still waiting on a case number ). The FTC ( XXXX # XXXX ), the ic3.gov ( Victim # XXXX ), the XXXX, she found their IP address and spoke to the hosting company for their website and got it shut down, to XXXX to get their email addresses closed and to XXXX so they could be put on their list as well. 
My mother was told that do to the severity of the problem, it is now under the umbrella of Homeland Security. When my mother followed up with the FTC and ic3.gov, they both stated that if we had any problem with the bank to notify them. 

All I'm asking is that, as with any other fraud claim, the money be returned to my account while its being investigated. We certainly have enough information to proof it was a scam/fraud. 

My concern is, if they take 60-90 days to investigate, this company will be shut down and there will be no way to make contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: GA

Complaint narrative:
I have been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.

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 2019-03-20 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: GA

Complaint narrative:
I have been a victim of identity theft, accounts have been opened in my name, I'm requesting this information to be blocked from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee item as stated in the attached letter and all non-account holding inquiries from my credit report, an FTC identity theft affidavit been filed, it will be attach to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX bill was paid in XXXX, 29 days, 1 day before 30 day late period. 
AMX added a {$40.00} late fee to the same period making the account past due 30 days late. 

I argued fee should have gone to the next statement, which is the cause off the delinquency. Having been on time with the same company for 28 years since XXXX, On XX/XX/XXXX the deliquency was removed correcting their error.

Than on XX/XX/XXXX they reinstated the 30 day late delinquency for no reason. 
Now I have a credit file that is ruined with up and down scores between XX/XX/XXXX and XX/XX/XXXX replicating an irresponsible debtor which is farther from the truth. 

American Express has single handedly ruined my credit-worthiness over {$40.00} by fraudently reporting late after it was corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Regional Processing Services
State: TX

Complaint narrative:
I received a call from ( XXXX ) XXXX on yesterday, and was left a message by XXXX XXXX. She didn't identify who she was working for. I tried calling the toll free number she provided ( XXXX ) XXXX, and it rang once before disconnecting. Today I received another call from ( XXXX ) XXXX, so I return the phone call and speak with a " XXXX XXXX '' from the Office of Regional Processing, stating that I have a judgement against me in the amount of {$1200.00} for breach of contract and defrauding a financial institution stemming from a payday loan that I allegedly took out in XX/XX/2016 in the amount of {$340.00} and change. Sge then said that i could easily settle the matter by paying with a Mastercard or Visa card. I objected to giving my debit card information over the phone, and asked if they could send me something in writing or if they had a secured website that I can review the alleged debt. She flat out said no, that in order for me to avoid having the judgement filed with my county that I would have to secure my debt by providing them with my card information. She then suggested that I purchase a prepaid card if I don't feel comfortable releasing my debit or credit card information. When I advised her that I'm aware of my rights, she became more aggressive. I took down her name and extension ( ext. XXXX ). She didn't want to give me a physical address, only a XXXX XXXX address ( Office of Regional Processing, XXXX XXXX XXXX, XXXX, CA XXXX ). I did a search online and found a record of complaints filed against this collection agency with the XXXX. And according to the XXXX there is no business registration listed in XXXX XXXX, California for this company.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
They keep calling me several times per day. Sometimes up to 6 times in one day. 
Just yesterday XX/XX/19 I received calls from the following numbers at the following times : XXXX -- -- XXXX XXXX XXXX -- - XXXX 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 2019-03-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX transunion and XXXX  credit report XXXX. I had. Cc and I'd. Theft. Keep calling and they keep saying that Has been over 90 days

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 2019-03-20 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: IN

Complaint narrative:
EQUIFAX is in violation of my consumer right by reporting a wrong information on my report XXXX XXXX XXXX XXXX that starts with XXXX, i need this account blocked completely from my report and block any future report from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
Harris & Harris debt collectors calling from XXXX separate numbers XXXX and XXXX Called XX/XX/XXXX XXXX XXXX Called XX/XX/XXXX XXXX XXXX  Called XX/XX/XXXX XXXX Called XX/XX/XXXX XXXX We have no debt and no reason to talk to such a company. Can't block them with my XXXX XXXX phone company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Not my Acct

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 2019-03-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi, More than two years ago, paid the full amount to the collection agency. I was told will be removed from your account. 
Already sent the payment letter and XXXX  balance letter to the XXXX to remove the collection report from my credit score. However, they did not remove it and still keeping in my score. Currently, I have XXXX balance for that account and paid the amount two years ago. 

Currently, trying to get a mortgage loan for better APR, but can not get it because of this score that provided by XXXX  Please see the attachment Thank you, XXXX XXXX XXXX, XXXX, Ga

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax XXXX and XXXX credit report XXXX. I had. Cc and I'd. Theft. Keep calling and they keep saying that Has been over 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
RE : loan number XXXX Citibank NA- Home Equity line of credit Citibank agrees that the debt was paid in full. They have filed incorrect paperwork to the IRS as a write off of debt. 
So the IRS is asking us to pay on XXXX. The sum of the right off the Citibank CFO in  properly filed with the government. I have tried to get this straightened out as has my accountant. 
I have till XX/XX/2019 to make the case against this. I have tried filing and my accountant has filed paperwork to no avail. 

Please help. 
XXXX 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 2019-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
Auto insurance due to progressive / Caine & Weiner. 
XX/XX/2019 at approximately XXXX EST I called in attempt to settle a debt for {$83.00} with debt collectors Caine & Weiner of California . I didnt have the funds and would call back later that day. Second contact being XXXX XXXX at that time before making payment I mentioned that I didnt feel comfortable providing payment unless I received immediate confirmation/ receipt following the transaction with rep. I was then transferred to rep assistant manager she assured me that I would receive receipt following transaction CONCEALING that it would take some business days to receive that via mail. After payment I asked for receipt and thats when it was disclosed to me that I wouldnt be getting confirmation till later sometime this month I then continued to say That i will call my bank and dispute the transaction if I didnt receive a receipt. Floor manager then contacted me at XXXX XXXX   XX/XX/2019 ( XXXX accent ) and used DECEIT by stating that what was once and offer ( deletion of the debt after payment ) could be easily taken away also became very condescending in attempt to keep me from disputing the charges ( ALL CALLS WERE RECORDED ) to prove this. 
Which is in violations of my rights 15 U.S. Code 1692e. False or misleading representations or deceit ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer XX/XX/XXXX XXXX XXXX same floor manager contacts me in response to an earlier call where I asked for a receipt. And said you mentioned you were going to call your bank so I cancelled the transaction and frankly the deletion of the account was courtesy so why do you want to do? VERY AGGRESSIVELY XX/XX/XXXX XXXX XXXX est I felt with manager XXXX to mediate the situation and mentioned she could only provide a paid in full following the violation to my rights and XXXX COMPLAINT XX/XX/2019 XXXX XXXX est spoke to operations manager after another attempt to settle and made clear that they were in violation of my rights and I would like for them to disclose how I could file a formal complaint he then Said send me a letter to P.O. Box and Ill see about it and asked to speak to a superior which he then responded in not transferring you we can do this all day all while being very dismissive. 
Made little to no effort in solving the situation instead he escalated it more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Altisource Portfolio Solutions, S.à r.l.
State: MI

Complaint narrative:
XXXX is calling my parents house between 3-8 calls per day.

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