vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/2017, Money orders was taken from my apartment drop box. On XX/XX/2017 I sent 3 money orders into Western Union to receive a refund for fraud. After several months I was returned with 2 of 3 money orders. I have contacted Western Union multiply times being taken in circles about my third money order. I've been hung up on, dismissed, and put on hold for a sufficient amount of time. Its been 2 years and the balance of the money order owed to my apartment complex is still owed, {$370.00}. As of now I was told by western union they closed my claim because 2 years has passed with no reason as to why I can not receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: NC

Complaint narrative:
I have filed a complaint against XXXX XXXX. XXXX XXXX illegally added their company to three credit bureaus. XXXX, Transunion and XXXX. All three credit bureaus added the above as a derogatory mark on my credit, therefore bringing my credit score way down. They did not get the proper documents from XXXX XXXX to add this to my 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 2019-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citi Checking account on or around XX/XX/XXXX under the promotion code XXXX. I met the promotion code requirements by XX/XX/XXXX. These were 1 ) spend {$370.00}, and 2 )  download/log into the Citi mobile app. I have since had these requirements verified by multiple Citi Customer Service Representatives. Per the XXXX offer, I should have received the welcome offer, XXXX AAdvantage miles, credit to my AAdvantage account by no later than XX/XX/XXXX. This exceeds the 90 calendar day window to receive the offer. It is now XX/XX/XXXX, which is over 120 calendar days which I was supposed to receive the offer. I have since called Citi at least 5 separate times to resolve this issue. Several calls resulted in transfers to confused representatives that have not been able to resolve the situation. The latest call was nearly an hour and involved 3 transfers.

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 2019-03-21 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: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
Halsted Financial Services is a spam. They told me they were sent by value city to collect on their behalf. However ; they wasnt, they couldnt provide me with my original contract. Before paying the debt, they harassed me with phone calls and claiming they would repeat this to my credit bureau within 30 days. I finally paid the {$1500.00} on XX/XX/XXXX. They took {$1500.00} from me. XX/XX/XXXX, I called asking them why is it showing up on my credit report and they lied saying that they can not report that I paid this balance. This is was not told to me when I paid the money. I am really upset with this company. This company needs to be dealt with and I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TX

Complaint narrative:
I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to TransUnion and XXXX. On XX/XX/2016 I signed a rental lease with XXXX, the leasing manager. On XX/XX/2016 I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX XXXX  written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. 

This charge has stayed on my credit for many years and TransUnion and XXXX  have not been able to investigate properly. They keep requesting more information from me, which I do not have. TransUnion and XXXX  are supposed to gather all information from XXXX XXXX XXXX in order to investigate properly. XXXX XXXX XXXX has not been able to prove this debt belongs to me because they do not have sufficient information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In the XXXX years banking with USAA I have now decided to open another complaint out of great concern after reading the article of their being violated. I am one of those people who had a Restitution payment coming for just one account. I actually have XXXX closed checking accounts USAA refused to give me any information pertaining to or a adequate response after sending emails to the executive office at least ten times, calling over fifty times and writing certified letters for a letter showing zero balances on all checking accounts. I gave them as much information as I have. 
Furthermore, I spent countless hours and days on the phone away from work and school for my son extremely worried what the XXXX their doing listening to their XXXX lies and story telling. They went on telling me they only opened one of my accounts. Another story, they don't know what I am speaking of. I even heard a whopper of a story that XXXX XXXX was the one who was at fault? USAA has been great at putting the microscope on me for XXXX long years. I am a good customer. I see they " pass the buck '' on everyone. 
My deposits as well and holding every dime! The mobile app doesn't say it. If I deposit a 100.00, it used to hold a 100.00. I would buy three money orders for a 100.00 each trying to have some funds registered. Absolutely bananas and I wasn't a check bouncer. My account has adequate funds each month, but I would hear every excuse from the CEO office. I believe this is deceiving as well. It should stipulate this so that I could go put it in at the credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TX

Complaint narrative:
On my TransUnion, XXXX, and XXXX credit files, an old account from XXXX XXXX XXXX  is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX XXXX. The 3 bureaus all claim that XXXX XXXX  verified the accuracy of the information, yet XXXX XXXX  has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX  was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TX

Complaint narrative:
On my XXXX, Equifax, and XXXX credit files, an old account from XXXX XXXX, XXXX is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and XXXX XXXX, XXXX. The 3 bureaus all claim that XXXX XXXX verified the accuracy of the information, yet XXXX XXXX has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to XXXX XXXX was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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: MA

Complaint narrative:
Dear CFBP For the past ten months I've been trying to dispute with Equifax unverified items on my credit report. according to section 609 ( a ) ( 1 ) ( A ) credit bureaus are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they have post on a credit report. otherwise, anyone paying for does reporting services could fax, mail or email in a fraudulent account. 

it's my right to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the account listed below. they failure to positively verify these accounts has hurt my ability to obtain credit. UNDER FCRA, uncertified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX   XX/XX/XXXX {$560.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
Ability Recovery Services contacted me by phone several times, the most recent being XX/XX/XXXX for a debt owed to XXXX University. As of XX/XX/XXXX this debt has been fully paid to XXXX University through their online portal payment system. As a result, the balance with the University has been satisfied and is no longer owed. I spoke with XXXX XXXX and another rep who identified herself as XXXX XXXX on Thursday, XX/XX/XXXX at XXXX and XXXX. I notified the collector that I had made a payment with XXXX University via their online system in the amount of {$1600.00}. These payments were made on XX/XX/XXXX for {$300.00} and XX/XX/XXXX for {$1300.00} and covered the total debt I had with the University. The representative was very short with me and extremely rude. She hung up on me and denied me access to speak with a supervisor regarding my account. I inquired about the process for removing the account from credit report once the balance has been paid. The representative stated that the account will first report as paid in full and then two weeks later it will be removed from all three credit reports. I asked could I get a statement in writing confirming this and she noted that Ability Recovery Services would not be able to furnish a written statement. I have repeatedly asked to escalate mt concerns to a supervisor and the representative continued to say " I am not going to go back and forth with you or transfer you ''. The representative has noted that unless I am calling to make a payment she will not speak to me. I also have reason to believe that the representative who identified herself as XXXX XXXX, lied about her name. Based on the voicemails I have received from " XXXX '', her voice and accent sounds exactly the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I had a mortgage with Shellpoint Mortgage and they foreclosed XX/XX/XXXX. In XX/XX/XXXX they placed Lender Placed Insurance on my account. I had a condo, the condo association has a master policy with coverage on the property. All the necessary paperwork was emailed to Shellpoint and the supervisor of the insurance department emailed me to confirm. My mortgage was {$930.00}. For the months of XXXX, XXXX and XXXX Shellpoint had me owing {$1200.00} and change and then for XXXX {$970.00} and change. I have been calling and arguing with this company since XX/XX/XXXX thru XX/XX/XXXX to fix the amounts since the Lender placed insurance was canceled. I received a foreclosure notice in XXXX. They still have not fixed anything ; they foreclosed on XX/XX/XXXX and now are trying to offer me {$4000.00} to vacate the property and it must be signed by Fri XX/XX/XXXX. I would like an analysis of my account completed. Although my property is already foreclosed on, I do not want them to do this injustice to any other home owner and wrongly foreclose on their property due to negligence to get the corrected amount so people can pay their mortgages.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
Mercantile Adjustment sent myself a letter stating An alleged debt was owed giving me 30 days to respond DISPUTED. I request that the 3 pages enclosed be validated completely answered in 30 days or it will be construed as an absolute waiver of all claims to enforce the alleged debt against me and your implied agreement to compensate me for a court costs and attorney Not copies actual contracts with my wet ink signature, alleged XXXX XXXX and myself { contract }, XXXX XXXX, Myself and Mercantile Adj { contract } Be advised.73 American Jurisprudence { AM Jur } 2nd sect 93 third party debt collectors can not substitute { subrogate } themself into or on to a contract { transaction } if they weren't on the originally and specifically named in the contract { a Stranger } A third party Collector is not named on the alleged original contract between myself and alleged furnisher so they can not claim that anyone owes them money, which puts you at fraud. 3 pages enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent a letter to Equifax, XXXX, and XXXX XXXX. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from XXXX and XXXX XXXX. The other four we should have received have not arrived yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am told I am at the lowest repayment allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Last year i was noticed a company call BULL CITY FINANCIAL SOLUTIONS was on my credit report. I wrote a letter of validation of debt and was sent Certified mail on XX/XX/XXXX and was delivered at BULL CITY FINANCIAL SOLUTIONS on XX/XX/XXXX at XXXX XXXX   Delivered, Front Desk. I will attach letter below. 30 days later the information was taking off on credit report then put back on my credit report on XXXX. I sent proof to XXXX via mail and fax but still has not been taking of my credit report it is now XX/XX/XXXX. BULL CITY FINANCIAL SOLUTIONS has not provided me with original contract and security agreement and according to Fair Debt Collection Practices Act. XXXX have not done anything to resolve this simple task because i have done all the work for them. They have cause emotional stress and time lost when i have been trying to send them the documents for them to take the items off my credit report. I again faxed information to XXXX XX/XX/XXXX we will see if they do not receive the documents again!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My mortgage is a fixed rate fully amortized installment loan. The payments are automatically deducted on the same day of the month, every month since the loan first originated to take advantage of a rate discount. Although the payments are auto-deducted, I still receive a paper statement. On my paper statement, it provides a breakdown of my payment stating how much will be applied to principal and interest and there is also a section that lists previous payment and how the payment was actually applied. Aprox a year ago, I noticed that the amount that was stated going towards principal was not applied. My statements would indicate a higher portion that would be applied to the balance only to see on the following statement that a lessor amount was actually applied. 
Some time in XX/XX/2018, I had contacted the lender by phone and also via online chat to inquire about this and was simply informed that the amounts that were reflected on previous payments section were correct but was given no explanation for why my statements continually indicate a higher principal payment portion. Concerned about whether this discrepancy will pay the balance in full at the time of maturity, I requested an amortization schedule. However, the document I received was just a payment history of my mortgage. I made another request via online mortgage customer service message and received another payment history. When I called I was informed that they do not have one to furnish. 
While my P & I payments are fixed and paid automatically the same day each month, I have no way of knowing how much truly needs to be applied to pay the balance in full at maturity. Typically you trust that the lender has set it up correctly, however, I can not get an explanation for the discrepancy in how or why my payments are being mis-applied each month and whether my unpaid balance is correct. Without an amortization schedule, I can not reconcile that the payments are applied correctly especially since my paper statements is misleading. 
I have included several months statements for supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: NY

Complaint narrative:
This is my second complaint submitted in which my first complaint was regarding my mortgage servicer reporting my account late in XX/XX/XXXX in which I have not received written response from the servicer regarding resolution and my account is still reported late for XXXX. This current complaint is in regards to my escrow. AFR is in violation of regulatory servicing requirements as an escrow analysis can only be done once every 12 months. AFR completed an escrow analysis and mailed me a statement dated XX/XX/XXXX for analysis period of XXXX in which there was an escrow shortage of XXXX and my payment would be increasing XX/XX/XXXX {XXXX}. I now recieved another escrow analysis dated XX/XX/XXXX in which they claim I now have a shortage of {XXXX} for an analysis period of XXXX. I called them today XX/XX/XXXX and got a very rude unhelpful representative whom couldnt and wouldnt answer why another analysis was completed and questioned if I requested the XXXX statement multiple times as I told her I dont call in I just pay my payment every month I did not request anything from them. She ended my call with muttering an email address to send a request for research my escrow issues. I had a loan modification in XXXX in which ever since then my escrow has a shortage. I believe my modification was done incorrectly which is causing these escrow shortages to occur. I want a written response from the company regarding both complaints and resolution. Its unfortunate that I have to submit complaints with the bureau to attempt to get resolution.

Company response to consumer: Closed with explanation