vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following inquiries below are a result of Id theft and I notified Equifax and requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX   6. XXXX XXXX 7. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Customer Service Mortgage Corporation
State: CA

Complaint narrative:
We have been working with XXXX Cell : XXXX DRE # XXXX NMLS # XXXX at XXXX XXXX. Since XX/XX/2019 three of my family members filled out a loan application to get a pre approval for a home loan. He has all our social security numbers and personal information. He has not given our pre approval letter yet for a home loan and is using his home internet to process it as he states in a email. He states today his internet is not working. He keeps coming with excuses. 
At first he told us we can only get pre approval letter for the price we want to buy a house for. He would not give us a letter tell us how much we qualify for. He ripping of first time buyers and stealing information. 
By law a pre approval letter is given within 1 to 3 days not two weeks with or without the property being identified. XXXX states The 3 day process starts once a property has been identified.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/XXXX.I use XXXX send USDXXXX to XXXX. But receiver Couldt receive money, I called for refund.but they refused my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XX/XX/2019, a representative, XXXX XXXX, of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, DE, XXXX phone number XXXX ext. XXXX contacted me at XXXX Hours XXXX XXXX and threatened me by way of stating that she, " will take you ( me ) to court and get a judgement against you ( me ) '' if I did not agree to make a payment to them. I had already informed her that I am on social security and I can not afford to pay. The representative repeatedly stated this until I said that I might be able to pay {$5.00}. At which time she began to belittle and berate me that she, " didn't know if that would be acceptable. '' When I requested a written letter about this debt I was informed that no written letter will be provided. I am reporting this to the CFPB because I fell that this type of coercion and abuse will continue if it is not 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 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries below are a result of Id theft and I notified transunion and requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX  2. XXXX  XXXX  3. XXXX  4. XXXX XXXX XXXX 5. XXXX/XXXX  6. XXXX/XXXX  7. 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 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries below are a result of Id theft and I notified Experian requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX XXXX 2. XXXX XXXX  3. XXXX/tXXXX XXXX XXXX 4. 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 non-monetary relief
Consumer complaint received 2019-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
We had a house fire in XX/XX/XXXX that substantially damaged our entire home to the tune of approximately $ XXXX. Our initial disbursement from insurance was $ XXXX of which, all had been paid to us and in turn to our builder for work performed. Our home was noted as more than 85 % completed as of mid XXXX and we plan to move in within a few weeks as the last details are completed. We have approximately $ XXXX in payments from insurance to trickle in over the upcoming months. $ XXXX was received by us XXXX and submitted to Roundpoint Mortgage for processing to pay our builder. As of XX/XX/XXXX Roundpoint has declined to return these funds to us to pay our builder. We have had to pay our builder out of our personal savings. Proof of these payments has been provided to Roundpoint yet they have still failed to issue payment to us. Given that our home is substantially completed, Roundpoint has no excuse to continue holding funds due to us as repayment for payments to our builder.

Roundpoint has only issued payment to us in two situations ( 1 ) we filed an initial CFPB complaint and payments 1 and 2 were released and ( 2 ) we contacted ORNL FCU who is the primary servicer and they directed Roundpoint to release final payment of the $ XXXX ( payment # 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
I was living in XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX TX XXXX. 
I moved out of XXXX XXXX XXXX  on XX/XX/2019. I received a letter that was mailed on XX/XX/2019 stating I owe money for last month utilities, cleaning, and damages with the total being XXXX. With XXXX being from water for the partial month I have never had a full month over XXXX. The letter stated I had 30 days to pay before it was sent to a collection agency. The letter did not give a way to pay and had xxx-xxx-xxxx for a number to call instead of an actual number. I tried calling the number listed on XXXX multiple times and was told I had to talk to XXXX but every time I called XXXX was not there and she would not return my calls. On XX/XX/XXXX I was told to send a money order for amount owed I sent money order certified mail that day. On XX/XX/2019 I was contacted by a collection agency saying I owed over 1000.00 from the same apartment. The collection agency name is Rent Recovery Solutions with their office in XXXX, Goergia. It has been less than 30 days, I have tried contacting them, the letter gave me no way to pay. I sent a money order on XX/XX/XXXX using certified mail. But the collection agency is saying I still owe money. I paid in full the bill I was sent within the 30 day time frame. I do not want this to effect my credit score since I paid off the debt in the allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Collection calls my cell phone everyday at least 4 times a day. Some have even called my job trying to reach me. I have asked them to stop but they just call from a different number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I received notification from Medical Revenue Service that I owed {$1400.00} for services incurred on XX/XX/XXXX. I notified my XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX of this issue. They have stated that I am not responsible for the debt as can be seen on the enclosed document. The debt is a Contractual Write-off between XXXX XXXX and XXXX XXXX. As stated on the document this amount can not be billed to the patient ( myself ). Yet the Collection service continues to harass and threaten me with placing the item on my credit reports which they have. The document from my provider clearly states that I am not responsible but I remain threatened.

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 2019-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I contacted original creditor and made arrangements before Transworld turned into collection. I have paid the creditor in Full and when I asked for validation from Transworld they didnt validate and reported a negative Balance. Transworld is fraudulently reporting a balance because I didnt pay Transworld I paid the creditor! I want Transworld to remove this collection ASAP. Last update was XX/XX/14 when Transworld stayed I still owed. However, I have a statement from original creditor a month before Transworld reported showing 0 balance. They never validated as asked by myself and credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/16 I logged into my auto loan account to make a payment. I have fallen behind due to less hours at work but I still make a payment every 2 weeks. I am behind 42 days and was logging in to make a payment. My account said you have been approved for 3 or 4 payment deferments to assist me on my account I just needed to click sign paperwork electronically. I clicked and it stated your modification offer has expired. I contacted customer service and told them I did not know I could do a modification and she said it was only for 48 hours then asked when I could make my next payment? I said I made one today but I am very interested in the deferment so I can be current on my loan. She said sorry you no longer qualify for that offer. I asked what made me qualify and why did it expire the same time I saw the offer? She said I am sorry it is no longer available then again asked when can you make your next payment. They get some reward for securing your next payment and the modification offer was a trick to get me to text them and inquire about the offer. Very deceptive and shady practices.

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 2019-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I tried to sign in tonight so I can send a message in regard to this situation and after only one attempt to log in, for some reason it told me I was locked out. How could that be? First problem. They must be experiencing server trouble tonight. I certainly was not about to attempt to call in at XXXX XXXX! 
I was surprised at my min amount due this month. I have been making my payments and on time for quite a while. In XXXX I also sent a large payment to try to reduce this bill and the min monthly due. I have not used the card since some time in late XXXX or early XXXX. The debt is all from vet bills. 
I was shocked to notice tonight, after some time, that the interest I being charged monthly on this card is pretty much my entire payment due! This is outrageous. At this rate I will never get anywhere! A bunch of interest free or low interest charges are all dropping off one by one and very close together due to the offer that the XXXX had. 
I am becoming concerned that I am not going to pay off this bill in years to come. I have a working son who will help me but it is very high. 
Something has to be done here. I was trying to contact them tonight to get this going.. If the interest rate is not lowered and I am going to continue on with a rate that belongs in bars.The interest rate is insane for this card.I am sincerely hope that the bank might still seem tense. I feel I am not going to be able to make my monthly payments very soon.

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 2019-11-17 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: IN

Complaint narrative:
I have reached out to the bureaus on several occasions in regards to the vehicle reporting on my credit reports causing me harm that i do not need. NOBODY seems to have an answer of to why a vehicle im not associated with or a vehicle I have no recollection on is in my name and or reporting. XXXX XXXX is reporting a vehicle that isnt mines on my credit report, it was done without my consent and without my knowledge. They are reporting a XXXX XXXX XXXX that has been illegally attached to me. Find out who did this and send me documentation that was used to open the loan as well as signatures. Please delete this so I can move forward with my future endeavors.

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 2019-11-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have reached out to the bureaus on several occasions in regards to the vehicle reporting on my credit reports causing me harm that i do not need. NOBODY seems to have an answer of to why a vehicle im not associated with or a vehicle I have no recollection on is in my name and or reporting. XXXX  XXXX is reporting a vehicle that isnt mines on my credit report, it was done without my consent and without my knowledge. They are reporting a XXXX XXXX XXXX that has been illegally attached to me. Find out who did this and send me documentation that was used to open the loan as well as signatures. Please delete this so I can move forward with my future endeavors.

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 2019-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with Bank of America that had a promotional bonus of {$100.00} to be paid to me for opening the account. I met the requirements. I was not paid. I went into the branch, and the banker called customer service. The person on the phone told the banker that I already opened an account last year and was paid a bonus for that therefore I am not eligible for this {$100.00}. 

The bank is Bank of America. 

I looked at the language of the contract, and there is nothing about being ineligible to receive the bonus due to previously receiving a bonus. At best there is a line about not having a previous account in the preceding six months. Again, I met all the requirements for the {$100.00} bonus ; there was nothing in the contract about previously receiving a bonus that disqualifies me.

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 2019-11-17 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: CA

Complaint narrative:
Tried to contact credit bureaus about this issue I have with this company on my credit report, its showing different montly balances, and different account balances. I want this account removed from my report ASAP!

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 2019-11-17 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: CA

Complaint narrative:
Tried to contact credit bureaus about this issue I have with this company on my credit report, its showing different montly balances, and different account balances. I want this account removed from my report ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Tried to contact credit bureaus about this issue I have with this company on my credit report, its showing different montly balances, and different account balances. I want this account removed from my report ASAP!

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 2019-11-17 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: IL

Complaint narrative:
I sent a police report in to XXXX and XXXX quickly contacted them and received it and began updating my credit file and removed fraudulent information. When I tried to get Equifax to do the same, they blocked my online privileges to do so online and made it impossible for me to upload supporting documents by disabling site privileges on my end. The sites code would be disabled whenever I logged on via my equifax account. I asked them to update my information and they refused to even after mailing evidence in from homeland security, FTC, and asking them to contact the other agencies for a police report. I kept asking them to dispute the fraud and errors on my report and was ignored. Instead they added a false account this week to my credit file trying to prevent me from accessing higher education loans a week before enrollment. While there is no payment history for the fraudulent account they have ignored my requests to remove it even after providing evidence of apparent fraud. The other 2 agencies removed it and I kept asking them to update their credit file accordingly and I was ignored. I asked for a copy of my credit report to be sent three times and never received one. Please assist me in this matter as I am being provided poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I was told that because I was a veteran who made 12 consecutive payments on time I sas being given a rate reduction refinance free of charge at no cost to me of 1/2 % from 5.15 % to 4.5 %. 

If I knew what was going to happen or that it was a lie I would never have committed to doing a refinance. I feel that I was targeted in a predatory manner by my mortgage company. 

I am a XXXX veteran and so I get an exemption for my taxes and was waiting on a refund from my escrow account. 

In XX/XX/2019 I was contacted by my Mortgage company about this incentive to reduce my mortgage rate from 5 % to 4.5 %. 

After a short period, maybe twenty or so days, I was scheduled and had someone come out to the house to sign a very large amount of paperwork ( more than sixty or so pages ) where I was shown that my rate was going to be reduced by about 180.00 per month. I finished signing and the person left. 

About three months later ( XXXX ) I received my taxes due and called the mortgage company to submit the numbers and receive my refund of all the overpaid tax money in my escrow account because I receive a large deduction being a XXXX veteran. It was then that I was advised that my escrow account was emptied and used as an advance to pay down my principal on my house from the original XXXX to XXXX. 

Fast forward to yesterday where I received a letter from the mortgage company telling me my escrow account was now negative ( XXXX ) and I needed to submit a one time payment of XXXX to bring my escrow account to the minimum or if not, my new mortgage payment would now be an additional {$700.00} per month for the next year, which is more than I was originally paying. This in no way helped or benefitted me and has only put undue stress on my finances. 

This was obviously deceitful and harmful and I would have never entered into this deal if I knew this is what it was. Now I have no money for XXXX for my family and no money to cover the taxes due in XXXX for the XXXX district. I dont understand how this is even legal.

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 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX claims no hard pull, but same day a hard pull shows up on report from XXXX.

Company response to consumer: Closed with explanation