vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC
State: IL

Complaint narrative:
-Since the mortgage was transferred from XXXX , XXXX XXXX , Florida ( also reporting late payments to the credit bureaus while the case still was in court. I have paid for late fees totally out of my control as a customer. 
- Gregory Funding, LLC charged me fees for delays in the transfer of the mortgage paper work from XXXX to them. 
I had experienced rude and unprofessional behavior/attention even arguments with the customer representatives. They talk and act as you " the customer '' own them something. Customer Representatives answer to simple questions without " clarity '' and " transparency ''. These abusive acts and unfair practices such as paying for fees out of my control during the transfer process of my mortgage between XXXX to Gregory Funding. 
- Latest incidents : Since XX/XX/2020 until today, Tuesday, XX/XX/2020 I have been faxing and calling Gregory Funding, LLC to please submit a " Pay Off " letter to the XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX XXXX -- XXXX. 
( Contact person : MS. XXXX XXXX, Loan Manager ). -  Faxed twice last fax : dated XX/XX/2020. -The Credit Union Processor and the Mortgage Loan Manager contacted Gregory Funding , LL 3 times to get the " Pay Off '' letter.

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 2020-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE

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 2020-03-17 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:
I AM XXXX YEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM XXXX XXXXEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE

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 2020-03-17 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: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates on an account with a {$0.00} balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I changed bank accounts and when I put in my new bank account the program kept taking the old bank number. When I realized it I called the bank and talk to IT person who helped me go to another program to input. In the meantime no pmt made. My new bank account had 2 account numbers with the checking account ending with a XXXX. I just put in the bank account number as the online program asked if it was checking or savings account. This was not right and check returned again. In the meantime I called the bank several times asking what to do as I could not make any changes in program. I had the money and was trying to pay. They closed my account. It was a Citibank Costco card. I appealed twice to no avail. I was due to have my cash rebate of {$500.00} sent to me the following week. They said since my account was closed I could not get the money I earned. I think this is outrageous. This was an honest mistake and part of the problem was their online banking system. Im a senior citizen and getting ready to retire and I feel like I have been robbed.

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 2020-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I pay a monthly payment of {$400.00} to Ally Financial. In XXXX, I adjusted my recurring payment information to my new Bank. Ally proceeded to take {$29.00} from my old bank, and the full payment of {$400.00} from my new bank, both transactions occurring on XX/XX/2020. 

Ally Financial contacted me about my overdue payment, stating I owed them {$420.00} for the month of XXXX, despite them owing me {$29.00}. 

I contacted Ally Financial and they stated that they have no way from their record keeping databases to determine how much funds they have acquired from me for XXXX. They asked that I fax my bank statements to them as proof of their error and stated fax was the only method by which I could send this proof. They were unable to tell me why my recurring payment for XXXX was initiated on XX/XX/XXXX and later cancelled. 

I am alarmed that Ally financial both pursued collection of {$420.00} when they in fact owed me funds, and could not provide further information, but rather stated that they had no idea from their systems how much money they took from me. It's clear that they have no regard for consumers ' financial well-being.

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 2020-03-17 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: FL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates on an account with a {$0.00} balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

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 2020-03-17 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX  XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX XXXX {$6000.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$5000.00} XXXX  XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} US DEP ED XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX  XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OSG Group Holdings, Inc.
State: TX

Complaint narrative:
So this company started calling family member 's that I am not even sure how they got their numbers. When I called them back I set up a payment which I ended not doing because I was told a different company took over this account. They called my family back after I told them NOT to. When I called them again they said it did not matter because it was a dispatch company that called who they hire to investigate for them. I asked for the dispatch company phone number and they told me they do not know who it is. Which I find a little strange. I told them if they are saying they will file a lawsuit and take me to court that they would have to know who has been looking this file and they told me that's not true. In order to reach this company and find out if they were real because they only have a phone number, there's nothing else proving they exist I had to call 5 other numbers to reach them and they just transferred me from one to the other. This morning I called trying to get an address to mail a payment to and the girl on the phone was so rude and just told me to repeat my number because she could not hear me through my SASS, yet I was only talking low because I am at work. I am to the point that if you can not respect me telling you not to call other numbers besides mine and you give me attitude everytime we talk to just not call me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Veteran 's United took information regarding my income and employment history and then proceeded to conduct a credit check knowing full-well that they would not be able to provide me a loan based upon the previously known income and employment history.

The credit check was an unnecessary step and was clearly not in my best interest considering the resulting decline in my credit score as a result of the credit check.

I felt that Veteran 's United was deciding to 'walk back ' on decisions they had made, and when I inquired about this, requesting to work with another loan officer, the pre-approval I had earlier been offered was verbally withdrawn and indeed they did 'walk back ' on decisions which were made solely on information stemming from my income and employment history.

Not only was my credit score was needlessly damaged, but my wife 's as well, not to mention all of the time, effort and attention that we had wasted in searching for properties that would meet Veteran 's United 's criteria, only to have it pulled away.

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 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: AR

Complaint narrative:
I had a cash app credit card and a friend send me {$50.00} on Friday, XX/XX/2020 I had not used my card in a while I paid my internet bill and that was no problem, when it tried to pay my XXXX  XXXX  account the transaction was declined four o five times And I followed the process to let them know the card was not stolen I request that cash app close my account and transfer my balance to my debit card at my personal bank immediately. You pay XXXX cent for this transaction The money is not in my acccunt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had three fraudulent transactions posted to my account on XX/XX/XXXX and XX/XX/XXXX of 2020 one in the amount of XXXX another in the amount of XXXX and another in the amount of XXXX, I filed a dispute with the bank on XX/XX/XXXX i had my debit card replaced in the process the dispute was denied a few days later i wasn't given a clear reason why all i know is that the charges were fraudulent and unauthorized and TD bank failed to understand this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2020, I made a ACH payment to XXXX credit card. I checked my account and had the funds in my account. All my other payments had been made on XX/XX/2020. All of those payments had cleared or should have cleared. XXXX ACH payment took less than a day. I want to know why my payment did not go through when the money was in my account when I checked. I want to know what my balance said for that day and time that I made the {$43.00} payment to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: PR

Complaint narrative:
During my called a told them that was fraudulent account that was open under my name when I contacted them on XX/XX/2020. A few weeks later I received a letter from them to signed and return if the account was not mine, which I did. 

On XX/XX/XXXX I received the letter attached. Which I totally disagree with them for the following reason. 

1. I have never verified from the a one-time passcode. 
2. I have never received the card. 
3. I have never made a payment to that account 4. that account that was used at they state to make a payment is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Paramount Recovery Systems has added {$3800.00} to my credit report that I do not owe. I do not know who this company is and have no contract with this company. I have never heard of this company until this was added to my credit report. XXXX   will not help in removing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax to remove addresses off my credit report. They responded with a letter that said such addresses would be removed. But when I checked my credit report they are still listed on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I made a payment though BillPay on XX/XX/2020 of {$300.00} to this card that is or was my account Issued by by Citi Bank, N.A. 
I contacted them on XXXX 2020 they could not find my account with the last 4 digits of account, Name, social security #, tellphone, address. At first I thought it was because I have not used the card in many years. 
Then I called the next week armed with my full account # XX/XX/2020 XXXX toXXXX XXXX, XXXX , and XXXX they told my account dose not exist. Therefore there will be no record of me calling and they can not find the money I sent. So they will not be sending any money back to my Bill Pay.

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 2020-03-17 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: CO

Complaint narrative:
Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am in the process of applying for a mortgage and can not get ahold of someone at Equifax to assist with a credit freeze. I have made multiple attempts to speak with someone but never get an answer. Equifax is impeding my ability to get a loan due to their unavailability. How do I resolve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: CO

Complaint narrative:
XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-03-17 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:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX  XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX  XXXX {$6000.00} XXXX XXXX {$1400.00} XXXX  XXXX {$5000.00} XXXX  XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} US DEP ED XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX  XXXX {$2000.00} XXXX XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}

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