vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Resources, Inc.
State: RI

Complaint narrative:
As a first time home owner. I purchased my home XXXX At closing i paid everything i was obligated to pay including insurance premium in full for a year. 
In XX/XX/XXXX my mortgage company American Financial resources ran an escrow analysis in which resulted my mortgage increase from XXXX to XXXX. a {$290.00} increase MONTHLY. after reveiwing the escrow analysis - i found numerous errors in XX/XX/XXXX they paid the wrong insurance comany not even 3 months after i closed on my house, and paid my home owners insurance in FULL at closing. I found they disbursed payment to tax collectors office for sellers owed taxes. Which was not part of my closing agreement. I ended up paying {$4200.00} in taxes in XXXX when my taxes were $ XXXX Yearly. 

REGARDLESS of if tax collectors office was attempting to collect payment it was two different owners, two differnt account numbers- no communication was made to notify me in regards to their request for payment. 

My escrow account was - XXXX due to these errors. 
I feel like ive been taken advantage of and no one wants to be held accoutable this has become my issue and has effected me & my loan in great deal financially. And Mistakes like this shouldnt happen, and could of been avoided, if they were more thorough and rechecked before just sending out someones money. from XXXX to today XX/XX/XXXX no escrow analysis was ever re - run. after numerous phone calls, numerous fax 's. Im truly just disappointed in this entire situation-this should be an exciting time in our life, as first time home owner ( s ), and i feel like its been one of the worst experiences and makes me regret purchasing a home. you trust mortgage companies to disburse your money appropriatley, and dont think errors like this would happen- we are at a loss on how to move forward? legal assistance re-finance?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: VA

Complaint narrative:
Company is Regional Finance. Their ph number is XXXX. Repeatedly calling me on my cell then XX/XX/2020 called me at work on my employers ph. Then called my cell for the 30th plus time and left voicemail stating I was going to be sued and they were going to garnish my wages to 25 %. I explained my hardship to them and that I was currently using a debt settlement company. I have saved the threatening phone message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: NJ

Complaint narrative:
Began in XX/XX/XXXX, fraud for {$790.00} on XXXX XXXX Master card, XXXX, also affected my checking acct. end. XXXX. Made credit card pymt via my XXXX debit card on XX/XX/XXXX for {$200.00}. Internal banking error on this date. Instead of my debit card, unknown Visa card XXXX, charged for my payment. Upon discovery by bank, they debited my Master Card, above limit, debited my checking acct., overdrawing it. 
All my communication, two years to them resolved nothing until I submitted a judgment against them. Legal dept called, offered me approx {$1500.00}. to settle ; which I did in XXXX. Rec 'd cashier check. 
XXXX XXXX XXXX reports 'Charge Off ' on Mastercard for high amount, will not remove it with my credit report dispute, has ruined my credit. I explain all, they have no 'knowledge ' of settlement, or acknowledge proof I send.

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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
Mortgage servicer switched loan number after we closed on the house so first 2 payments were sent AND accepted by servicer but to old account number. They have been given bank records and acknowledged the bank records showing proof of payment. Now they are have collections call us threatening foreclosure even though they accepted all payment for all months 0 missed and can not figure internally how to merge the payments into a single account. We followed the rule and made payments on time and they are trying to get double payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I was looking at my credit notice I had a collection agency on my credit for a bill for auto insurance which they owe me a refund I told them I was switching to XXXX insurance and the lady I spoke to told me she was processing a refund for XXXX which to date I have never received she ask me to fax her the copy of declaration page which I did to no avail

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: KS

Complaint narrative:
This loan information appears on my report. The amount has been offset with my Federal Tax refund. In looking at my credit report this student was opened in XXXX I graduated from the school in XXXX. Big discrepancy. How can a loan be granted when I was not in school and had already graduated. This loan has been on my credit for years and now I see it was opened after I was already out of school.

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 2020-02-28 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: KS

Complaint narrative:
This loan information appears on my report. The amount has been offset with my Federal Tax refund. In looking at my credit report this student was opened in XXXX I graduated from the school in XXXX. Big discrepancy. How can a loan be granted when I was not in school and had already graduated. This loan has been on my credit for years and now I see it was opened after I was already out of school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: OH

Complaint narrative:
Afni Subrogation Department contacted me threw mail, letter dated XX/XX/XXXX recieved by me on or about XX/XX/XXXX for damages claimed to be owed by me in the amount of {$13000.00} pending an increase of additional payments, from a motor vehicle accident dated XX/XX/XXXX that is currently in litgation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Universal Credit Services, Inc
State: MI

Complaint narrative:
Universal Credit Services has called me several times on my cell phone to reach out to me. This has never been an issue for me, but what I'm upset about is that they have somehow reached out to my employer and called me on my private line at work. This happened yesterday XX/XX/20 @ XXXX XXXX. They called while I was not at work and then my co-worker and manager answered the phone and asked for " MY NAME '' ( me ) and when my co-worker said I wasn't available and asked who was calling, the person from UCS hung up the phone. 

Another time this happened was two weeks ago ( date unknown ) and ( time unknown ). A man from UCS called my private desk number ( and I work at a XXXX  ) our numbers are not given out to the public. I answered the phone and the gentleman asked for me and I said to him " may I ask who is calling '' the person from UCS would not identify himself, or tell me where he was calling. He told me that If I wanted to know who and where he was calling from I needed to verify my information over the phone. I told him that I would NOT do that because I didn't feel comfortable with that fact that he called me and asked for me at work. The man on the phone then told me that I can XXXX his number to find out who and where he was calling from and then he hung up the phone. 

This is NOT acceptable. I work in the XXXX field and I know my rights. It is not okay to contact me at my place of employment. The company has no problem reaching me on my cell phone and by mail. In the past when I have answered my cell phone the man over the phone transfers me to another associate and the phone disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
Negotiated debt with " Freedom Debt Relief " " XXXX XXXX '', same company via XXXX  XXXX XXXX. Original debt with FDR was XXXX, settled for XXXX. XXXX settled this account for a fee of XXXX. Payments of XXXX per month to XXXX were to be divided between FDR and XXXX untill fees were payed in full to XXXX. At that time all payments of XXXX per month would be forwarded to FDR until the XXXX was payed. In short FDR is knowingly reporting an incorrect balance of almost XXXX to multiple credit bureaus. I did make several reports via XXXX, XXXX XXXX etc. Reports were denied due to FDR certifying that amounts were correct. Even called FDR to rectify XX/XX/XXXX @ XXXX XXXX. They proclaimed that the balance wouldn't change untill the full balance, settled amount was paid in full. They acknowledge that the balance was only XXXX and refused to accurately report this to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Problems with Caliber Home Loans For the past two years, I have been trying to get my account straightened out. Every month, I receive a notice from Caliber that says I late with my payments and owe money. 
I called on no less than five ( 5 ) occasions in XXXX, only to be told it would get straightened out in XX/XX/XXXX with my escrow analysis. They sent me a refund for {$670.00} and then followed up right again with my payment vouchers showing I am a month behind in payments. 

During XXXX and XXXX, I have shown them in several email and phone correspondence ( s ) that my records match their records as far as payments being made. The problem is they are not showing them as payments, they are showing them as cash received or curtailment with payment and therefore getting allocated to some place that they cant explain. 
In XXXX, I paid {$13000.00} in total to Caliber which exceeds the monthly bills they sent to me. So how am behind, late with payments and still owe money. 
I finally sent all correspondence again in XX/XX/XXXX and received a one sentence response that I am behind in payments. 
When I tried to recontact them by email, there is always an error message When I contact them by phone, I go through ten minutes of their messages than get an agent who puts me on hold and then drops the call. When I ask for a manager, they tell me one will call within 24 to 48 hours, I have never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FL

Complaint narrative:
Bankruptcy- showed inaccurate, fraudulent information and accounts, I've attached the two individuals that are under investigation because they used my information, This can be proved further if you do a public records scan on my social security number. I realize that you may get these complaints often but I have verifiable proof and names of individuals that are using my information. I didn't want to get caught up in credit repair scams so it took me years of research to get here. Below you'll see the information that was affected by the theft. 

-bankruptcy XXXX {$0.00} -XXXX XXXX XXXX XXXX {$58000.00} -XXXX XXXX XXXX XXXX {$43000.00} -XXXX XXXX XXXX {$44000.00} -XXXX XXXX XXXX {$0.00} -XXXX XXXX XXXX XXXX {$11000.00} -XXXX XXXX XXXX XXXX {$0.00} fraudulent inq XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The balance transfer due date was not specified on the statement leading me to believe the due date was the same as the monthly cycle date of XX/XX/2020 I paid in full prior to that date on XX/XX/2020 and they still charged me interest. 

SunTrust states that the balance had to be paid by XX/XX/2020 ( the statement end date ) although it did not show that on the monthly statement nor was it listed on the mobile app.

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 2020-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company
State: FL

Complaint narrative:
This complaint is a continuation of prior complaint as it has not been resolved. Complaint # XXXX. Statebridge gave a payoff amount on my mortgage loan for closing that funded on or around XX/XX/XXXX. XXXX I received attached statement showing a balance in escrow of {$1100.00}. On XX/XX/XXXX I received a check for {$280.00} with no explanation whatsoever. This is after Statebridge had provided a payoff amount to my refinance lender in XXXX or XXXX. 

Now they are saying that I had a payment returned for non sufficient funds which is not true. I have included copies of my XXXX bank statements showing where payments were made to Statebridge and as you will see, there was no returned payment. 

I try to call them and have been on hold as long as 30 minutes which is unacceptable so again I ask to reopen my original complaint and ask for an accounting of my loan and escrow account. I am attaching original documentation and email received referencing a person and address that I have no clue who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$410.00} XXXXXXXX XXXX-XXXX {$1200.00} XXXX XXXX-XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX   XXXX {$720.00} XXXX XXXX   XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$720.00} XXXX   XXXX-XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX-XXXX {$450.00} XXXX XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}

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 2020-02-28 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX   XXXX-XXXX {$410.00} XXXX XXXX-XXXX {$1200.00} XXXX XXXX-XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX   XXXX {$720.00} XXXX XXXX   XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$720.00} XXXX   XXXX-XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX-XXXX {$450.00} XXXX XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX XXXX-XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}

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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION

Complaint narrative:
On XX/XX/2020 I completed and filed all my Mortgage documents with the Loan Officer XXXX XXXX at Pentagon Federal Credit Union. XXXX stated it would be two weeks before a processor would contact me to proceed forward with the process. 

On XX/XX/2020 I spoke with XXXX and stated a mortgage processor had not contacted me and was told by her the issue would be escalated to the member experience team. No reply was received. 

On XX/XX/2020 I called again and was told my issue would be escalated. No reply was received. 

On XX/XX/2020 I sent a text and an email asking for assistance on the above issue and received two emails back stating action would be taken. Still no reply XX/XX/2020 I called and talked to XXXX, then passed off to XXXX, then transferred to XXXX and was told my issue would be escalated and I would be contacted in two days. Today is XX/XX/2020 and still no reply. 

I would just like to move forward with the mortgage process and my issue appears to fall on deaf ears. Your assistance will be greatly appreciated. 

Mortgage # XXXX Best Regards, 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 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Hello this is to dispute the charge to my account. We deposited {$310.00} your machine accepted {$300.00}, but did not give us any money back only this receipt saying we deposited {$300.00}. Then Boa bank of America took the {$300.00}, credited it back, took it again, credited again, and now closed the case saying they never found the money in the atm and are going to take the {$300.00} out of my account on XX/XX/2020. The lady on the phone said she will place a 14 day hold and to go into the branch office and have you submit the receipt to re open the case. I would like them to check the video footage. Otherwise I will be obtaining a lawyer because you can not just steal money like this. 


BOA then took my money out of my account on XX/XX/2020 and never placed the 14 day hold on my account. I now have an overdraft of - {$230.00}.

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 monetary relief