vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
On or about XX/XX/2019 my mortgage company, XXXX XXXX sold my Mortgage to Freedom Mortgage. We received a notice on XX/XX/XXXX to make our XX/XX/XXXX payment to our new mortgage co - Freedom. Due to the late notice our XX/XX/XXXX payment had already been sent to the prior mortgage company. 
On XX/XX/XXXX we received a letter from Freedom Mortgage that we were delinquent and now owed for XX/XX/XXXX and upcoming XX/XX/XXXX payment. At that time we made 2 additional payments electronically through our bank to Freedom. One for {$1600.00} and another for {$1600.00}. 
I have called Freedom Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to follow up and I keep getting the run around with them saying they don't have my payments. On the last 3 dates that I called I have uploaded proof of electronic payment which includes a confirmation number that they received it. This makes a total of 3 payments that I have provided proof of receipt and they will not acknowledge any and to make matters worse, in a couple of weeks this is going to report on my credit.

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 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I bought my property in XXXX and had HOA3 insurance on it with XXXX  XXXX, through XXXX XXXX. In XXXX they withdrew from Florida. 
XXXX XXXX got me XXXX  XXXX in XXXX and they withdrew my insurance policy after non payment in XX/XX/XXXX. I used to call the various reps at Penny Mac and asked why I was paying so much. They were dismissive. In XXXX I found out that Penny Mac imposed Lender Placed Insurance and had not paid XXXX so XXXX XXXXe got me new insurance coverage. 
I was speaking to a specialist called XXXX, who Penny Mac appointed after my complaint and I have left a few messages for her a few weeks ago and not heard back from her. 
XXXX had mentioned that every time I put something in writing it just complicated matters, but after not hearing back for a period now I am hoping that this can be resolved quickly. 

I am looking for the difference returned on what I should have paid and not the additional {$12000.00} Penny Mac chose the impose. 

I still live in the same house. I was insured with XXXX XXXX at the time and then when XXXX   XXXX withdrew we went to XXXX XXXX. After the Penny Mac debarcle XXXX 's found me new insurance. 
I have had HOA Insurance until XXXX when my HOA got insurance. 

When I spoke to XXXX at Penny Mac she seemed like she wanted to help me. Her research department said that they had not received an invoice from XXXX XXXX. 
I spoke to XXXX XXXX and XXXX sent me an email after speaking to me and said that their policy is to call for payment. Penny Mac did not send the money to XXXX and for whatever motive imposed their lender placed insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: MN

Complaint narrative:
Information doesn't belong on my transunion credit report

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 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is basically an extension of my previous complaint with the CFPB about this company. After closing my last complaint SPS did send correspondence to me asking for identifying information ( ID, Birth certificate, proof of residency ) which i feel is reasonable so i went ahead and submitted those documents via their website on XX/XX/19. Today in my mail box i receive a letter stating that i must have a signed quit claim or grant deed giving me the property as per california law. This is NOT what the law says is required to be declared " successor in interest ''. Im tired of typing this. This company is shady or run by morons. I do not have to have a signed grant deed giving me the property. GIve me a break, ive sent them my ID, my birth certificate showing XXXX and XXXX XXXX are my parents, a copy of the will 3 times clearly stating that i am the intended heir of the property, proof of my address showing that I live here, ive lived here for most my life, and there is absolutely nobody else trying to claim that they are the successor in interest besides me. There is nothing to dispute here. SPS needs to stop playing games and declare me the successor so that i can apply for mortgage relief. I feel they are deliberately slow playing and delaying the process so that they can foreclose on my family 's home. Which is likely their get down in business ... make predatory loans to elderly XXXX people when the housing market was so inflated that it actually gave a XXXX loan on this XXXX that aint worth XXXX knowing they will collect revenue for a good 15 years or so, then the people die and they move in and foreclose, sell it again and again and again. I can not be the first person theyve done this XXXX to. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I called them, XX/XX/XXXX, and they answered that they decided to close my account without explaining why. I demand to Know exactly what specifically I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Would like my fraud alerts off

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 2019-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
On XX/XX/2019 KLS Financial Services , Inc. ( XXXX XXXX XXXX XXXX, NC XXXX ) contacted me regarding a debt that was owed in the amount {$140.00}. The agent explained to me that if the debt was paid on XX/XX/2019 they would not report the debt to the credit agencies. With that being the case I settled and paid the debt for {$110.00} which excluded the late fees and penalties. 

On XX/XX/2019 I got an alert on my credit report that a debt in the amount of {$140.00} was reported. I contacted KLS immediately upon receiving the alert and the the answer I got was that the report had already been sent on XX/XX/2019 and no one had saw this.

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 2019-12-06 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: NY

Complaint narrative:
Would like my fraud alerts off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Would like my fraud alerts off

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 2019-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX through Cash App is a mobile payment service developed by Square, Inc., someone took {$500.00} from my XXXX XXXX and deposited in my cash app account then they turned those XXXX into XXXX and then they took another XXXX turned that into XXXX then they deposited a total of XXXX into someone's XXXX XXXX  account I did not do or authorize these transactions I have made a incident report with XXXX police department incident number XXXX i have also contacted through email cash app support as well as the ceo XXXX XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: IN

Complaint narrative:
The U.S. Department of Education is re-aging my old loan accounts with them. this is allowing them to report the accounts delinquent for longer then the statute of limitations allows these accounts to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Fraud alert removal

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 2019-12-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A. order XX/XX/XXXX @ XXXX XXXX  I ordered # XXXX {$47.00} Ship date XX/XX/XXXX QTY 2 Toy XXXX Tracking # XXXX USPS B. order XX/XX/XXXX @ XXXX XXXX  order # XXXX {$7.00} Ship date XX/XX/XXXX QTY 1 XXXX XXXX XXXX  Tracking # XXXX Orders A & B were both to be shipped to my home address. Order B had no issues Order A was not shipped to my home in XXXX. I had purchased the toys for my grandchildren 's birthday in XXXX. When I saw that Order A would not arrive I called B4 my trip to XXXX. I was told I could not cancel, return or reject the order. When I returned to XXXX  from XXXX  I checked the tracking number and learned they had delivered order A on XXXX XXXX @ XXXX MAILBOX in XXXX , XXXX  XXXX. Note : XXXX/Seller had knowledge of this when I called B4 going to XXXX. I contacted all and never got a response. XXXX responded by offering me replacements TOTALY FREE OF XXXX CHARGES. I was in agreement. When I called Capital One refused to answer my questions. I instructed them that I want to close the account, The account was closed XXXX XXXX. On XX/XX/XXXX @ XXXX XXXX  I checked my card account and there was a charge added date XX/XX/XXXX for {$47.00}. The charge is posted as a rebill. this is 19 days from order date. I called the XXXX ( this is a XXXX posted on the account ). Asking why they made this charge - they claimed they did not make the charge. I then called XXXX and was told they did not make the charge. I did receive two items. that they stated would be free. I had to remind them that there were 2 toys not one. They did send two separate packages

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
there has been some misuse to my credit file and there are some unauthorized hard inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 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: TX

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I attempted to purchase tickets to a football game in XXXX, Georgia via XXXX ( XXXX XXXX   XXXX ). The person made me feel comfortable enough after 5 minutes of conversation to transmit money electronically. They asked that I use Zelle, which I knew my bank ( XXXX ) offered as a service. That made me feel comfortable enough that, even if it was fraud, a service like Zelle and a bank as big as XXXX would protect me. I transferred {$600.00} to XXXX. When I got an email that the transaction cleared, the person hung up, I called back a dozen times and got no response. A scam. 

My bank ( XXXX ) says that Zelle can not do anything because I chose to transmit the money. However, XXXX will allow me to dispute the charge now, but I must wait until the transaction clears. XXXX is scams only to me now, I will never use it again and it was once a very novel and useful tool.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This letter is sent in response to phone call received by you on I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
Yesterday my husband XXXX XXXX received a phone call from a lady that identified herself as an employee of Portfolio Recovery calling about my old credit card. She tried to get him to agree to either set up payments, pay a reduced amount in exchange for it being settled but she kept stressing that it had to be done before XX/XX/XXXX. He argued with her because he knew this card was only in my name and he had no idea why they were calling him. She gave him all of my information including the last four of my social security number. She should not have given out my information. That violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Immediate Credit Recovery
State: AZ

Complaint narrative:
In XXXX my student loan was forgiven by the lender. On XX/XX/XXXX I received a demand letter from a 3rd party Immediate Credit Recovery , Inc. ( hereafter ICRI ) of XXXX Ga. and use a XXXX Califonia address. In this day of Identity theft it is hard to believe anything that demands personal information in the mail particularly when you can not contact the company with the telephone number provided by that company. 
I have written them a letter. Contained in the letter they sent me referenced another company which I am informed and believe and thereon allege that they are an extension of the collection agency and not a valid company for complaints against that agency. 
1. without my knowledge or consent ICRI obtained my credit report, and information in violation of FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) et.seq.

2. Then as an attempt to resolve this I made 3 separate phone calls on 3 separate days to the number provided and was disconnected without being answered each time.

3. I have now written a letter telling ICRI that this debt was forgiven over 19 years ago with the help of the Veterans Admin. 
As of the date of this complaint, I have not heard anything and I reserve the right to amend this complaint as facts become visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/XXXX I initiated a payment to my Citi Double Cash card through Citi 's website with the payment to come from my XXXX XXXX account. Citi then submitted the payment request to my bank 3 times. When I inquired with my bank what happened, this was their response " Thanks for reaching out. I do see that a payment to Citi Card for {$75.00} was processed on XX/XX/XXXX, at XXXX XXXX  CT. Following that transaction, the available balance in the account was {$31.00}. It looks like Citi Card has sent two additional requests for debits of {$75.00}, on XX/XX/XXXX at XXXX XXXX  CT and XX/XX/XXXX at XXXX XXXX  CT. Since the current available balance is {$31.00}, those transactions were declined for insufficient funds. '' This was from a message dated XX/XX/XXXX. 

According to my Citi card statement, this is the series of events XX/XX/XXXX. ONLINE PAYMENT, THANK YOU. {$75.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU. {$75.00} XX/XX/XXXX XXXX XXXX RTN R01-INSUFFICIENT FUN. {$75.00} XX/XX/XXXX. RETURN CHECK FEE - XXXX. {$28.00} I called Citi to find out why this payment was initiated multiple times and to request the removal of the return check fee from my account. The customer service rep that I talked to seemed to agree that this was a mistake on their part. How could multiple payments of the exact same amount on the exact same date ( within minutes of each other ) from the exact same account not be a mistake, especially if there were insufficient funds for the second payment? She said she could not make changes before the closing of the statement period and I would need to call back after XX/XX/XXXX. She said she would attach a note to my account laying out what we discussed and the issue would be resolved when I called back. 

I called back today ( XX/XX/XXXX ) and was informed that her note was reviewed and rejected. The customer service rep today said the mistake was not their doing and there was nothing they were going to do to correct the issue.

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 2019-12-06 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: IN

Complaint narrative:
The U.S. Department of Education is re-aging my old loan accounts with them. this is allowing them to report the accounts delinquent for longer then the statute of limitations allows these accounts to be reported.

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 2019-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
I am trying to have my PMI waived. NewREZ LLC is very deceptive with their practices. It seems the folks that work for them are told to delay this process. This has been going on for a bout 6 months to date. These company needs to be investigated for there practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation