vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XX/XX/2020, I called XXXX XXXX at XXXX XXXX XXXX XXXX to cancel an order and request a refund. When the phone was answered I was placed on hold, after a few minutes a person answers so I explained what I wanted, he said he could help me with that. He said to go to the bottom of the screen and on the left hand side of the screen to type " anydesk '', I did that, then he said his supervisor would be helping me. a man comes on the line and tells me his XXXX XXXX and to type in the amount I wanted refunded. I type in {$1000.00}, he then tells me " oh no, you typed in too many zeros, that makes the refund {$10000.00} '' now your going to have to return my money, but only {$99000.00} other wise I will have to pay tax it it is over that amount. He then sends me an e-mail with the following information, to make a wire transfer as follows : Company name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Account No.  XXXX. ABA routing no. XXXX, Bank Name : Citi Bank, XXXX XXXX XXXX XXXX XXXX, NY, XXXX, dollar amount {$99000.00}. If I were asked why the transfer to say it was for a personal investment. He also provided a toll free no : XXXX signed XXXX XXXX, XXXX, and to e-mail him a receipt at XXXX. He kept calling me every day asking if I had gone to the bank to make the transfer. He call to tell me he was going to send me an XXXX gift card for {$500.00} for my troubles, that evening I received a XXXX XXXX but only for {$300.00}, When I mentioned this to him, he said not to worry he would send me the {$200.00} the following day ( never did receive it ) He then send me another e-mail stating the monies had gone to a wrong address, he was going to have to return my money so I could send it to the correct address as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had some problems with the wire transfer, so I called my credit union and that is when they told me someone was hacking into my account and transferring my money from my money market account into my checking account, that is how he was getting my money. When I received the XXXX XXXX, I noticed the return address as : origin id : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. That is when I realized that XXXX XXXX was XXXX XXXX and was using a fake name.

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 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: UT

Complaint narrative:
CBA - XXXX is reporting on my credit for XXXX XXXX XXXX XXXX and I looked them up, I have never done business with them nor did I have an account. I have had mixed file issues with my name and this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have been dealing with Ocwen Loan services for some time now, I originally had issues in XXXX when I had to try and secure a modification. I applied for a government HAMP modification and was denied 3 times with a reason of Ocwen stating that they couldn't prove that I lived at the property however they never sent anyone to verify. I was inclined to take one of their modifications that completely changed my mortgage terms. We have had 3 modifications with them over the years. The most recent in XXXX, I was asked to make payments on time at my regular rate for 5 months in which I did. The modification was completed in XXXX of XXXX. I continued paying at the same payment rate every month following with an escrow account in tact that was for my property taxes and my insurance that I had had for 15+ years. XXXX of XXXX I was contacted by the XXXX XXXX XXXX office that I owed for my property taxes and my Insurance company cancelled my home owners insurance due to non payment. I was unable to reinstate the Insurance or obtain Insurance through another company on my own. I was told that the servicer I had been transferred to PHH Mortgage Services was a partner of Ocwen and I was 2 months behind on my mortgage and they didnt have any record of my escrow account because Ocwen hadn't sent all of my loan documents to them at that point, yet I was still making the same payment with the escrow included. I was told I missed XXXX and XXXX payments in which I hadn't because I also purchased a car that year in XXXX. I was forced to pay a reinstatement fee on my loan of around XXXX and after doing so I was still 2 months behind and cant catch up. They then took out their own insurance on the property. In XX/XX/XXXX I had a tree fall on my house, I removed it myself and had heavy damage to the roof and back porch areas. I paid for materials to shore it up, the insurance adjuster came out and promptly sent me a check for the damages for XXXX, it was made out to me and PHH Mortgage. I called several contractors to estimate the job of repairs and none would touch it because PHH was holding the money and wanted to do a monitored release of funds. I have found a contractor however the paperwork trail is very extensive and they wont release the funds that they have already deposited into their account, I still do not have the repairs made on my roof because of the process they are using to get the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized loan servicing ( SLS ) bought our line of equity account. We paid the account off XXXX XXXX. We've received 2 additional monthly statements showing XXXX  balance and the wording " If your loan does not have an outstanding balance, please disregard this notice. '' While checking to find out why the statements continue I called SLS on XX/XX/XXXX XXXX, spoke to " XXXX '' teller id XXXX, who informed me that I need to request a payoff statement ( that will cost {$25.00} ) and additionally because we didn't request this two months ago additional costs will be added. We never received instructions about requesting the payoff statement and never was informed why we now owe an additional {$8.00}. I requested many times to talk to a supervisor but XXXX informed me on XX/XX/XXXX that no supervisors wanted to talk to me. Therefore I do not believe SLS will work with me to resolve this 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 explanation
Consumer complaint received 2020-07-24 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-24 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: NJ

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.

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 2020-07-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX, XXXX and XXXX of XXXX, I filed a dispute with the Equifax about the unverified account : XXXX collection account # XXXX {$150.00} and {$130.00}. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of todayXXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: PR

Complaint narrative:
Equifax show wrong information in one of my closed accounts. The are not available online neither by phone to clear the invalid credit increase in one of my credit account closed on 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: NY

Complaint narrative:
I had disputed an account that was not reporting to the 3 credit reporting agencys. It finally reported but with errors. I disputed it again. Today I received in the mail notification they deleted the whole account off my report. I contacted TransUnion and was told they cant dispute something that isnt there. I want this account to report as it has a XXXX balance with a {$4800.00} credit line with no late payments.

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 2020-07-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had disputed an account that was not reporting to the 3 credit reporting agencys. It finally reported but with errors. I disputed it again. Today I received in the mail notification they deleted the whole account off my report. I contacted XXXX  and was told they cant dispute something that isnt there. I want this account to report as it has a XXXX balance with a {$4800.00} credit line with no late payments.

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 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In the beginning of XX/XX/2020, I applied for a Navy Federal Credit Union refinance loan. I successfully was pre-approved for a loan. I locked the rate at 2.875 % contingent on supporting documentation. The option I had was a XXXX XXXX which allow me to be able to lock at a lower rate if the rates dropped. The loan officer stated there was a heavy backlog and my loan would not progressed until sometime in XXXX and or XXXX. I told Navy Federal I was willing to wait just as long as my interest was locked at 2.875 %. They ensured me that it would be and we could move forward with me providing necessary documentation. Within two weeks I supplied the Navy Federal my w2, pay-stubs, etc. On XX/XX/XXXX Navy Federal emails me and ask if I would like to proceed. I email them back XX/XX/XXXX and stated I was looking forward to proceed. Around XX/XX/XXXX I called Navy Federal to asked them next steps and they stated my application had been withdrawn and I had to reapply for a new rate which would be .75 higher than my old one. I felt this was misrepresentation. I ask to speak to a senior manager. I was able to speak to a senior manager and after investigation she stated the reason I had to reapply was because my credit report expired. I never ask Navy Federal to withdraw my application. Navy Federal never emailed and stated I needed to pull another credit report. 
Due to misrepresentation and lack of transparency I would like Navy Federal to honour my existing 2.875 % loan application rate, allow me to lock into a lower rate as well as waive any and all loan origination fees for the hassle of lodging a complaint and mistreatment of a 30 year XXXX XXXX Veteran 's son.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I paid this debt in Full with Midland Funding and i like the debt shown paid in full and this debt deleted from all three of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 the XXXX  deposited loans funds in the amount of {$25000.00} into a checking account with USAA. The funds were supposed to go to my XXXX XXXX Account. XXXX  kept telling me the funds went to my XXXX XXXX account. So after almost a month I contacted the treasury department and was informed that my advance of {$3000.00} was sent to XXXX XXXX in which I did receive but the loan went to USAA which I hadnt been able to access the account before the loan was even disbursed. So I contacted USAA and spoke with XXXX who is a Supervisor and I asked why werent the funds sent back? I was told that XXXX  didnt ask for them back and I was told that I have to wait 60 days for a check. USAA told me that they werent obligated to send the funds back or allow me to access my loan funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE

Complaint narrative:
I setup a bill pay for my mortgage. The funds are taken out in 2 payments and the first payment is taken out around the 6th and the second payment is taken out on the XXXX. 
Lakeview ( XXXX ) calls me EVERY month because they said they didn't receive my payment, but the funds are removed from my account. I call my bank and they verify that the funds were taken out of the account. 
When you try to call the mortgage company. You have jump through hoops and ladders to speak to a live person. 
This is extremely frustrating and causing unnecessary stress. I can't change loan company unless I refinance. I can't refinance because my mortgage is still new ( 7 months ). There is a plethora of negative negative reviews against this company and I am adding my complaint to the list. 

I hope you can help me rectify this 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 explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Asset Management Systems Inc
State: MD

Complaint narrative:
I received a call in reference to this debt and I informed the company that I am not aware of this and it doesn't belongs to me. I never heard of this company XXXX and never had an account with this company. They had stop sending the letters to me after the conservation, but now I am starting to receive letters and I just moved, so I don't know how they got my new address.

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 2020-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC
State: CA

Complaint narrative:
OnXX/XX/2020 my loan with PrimeLending was paid off. 
I had an Escrow account with PrimeLending for my property taxes and although PrimeLending knew I was paying off my loan ( a PrimeLending rep. " XXXX '' in early XXXX told me that PrimeLending 's policy is not to pay the Property Taxes when there is a payoff request-which XXXX said she shows in her system and I have a letter ) a property tax payment for {$2500.00} was made on XX/XX/20by XXXX 
XXXX is PrimeLending 's 3rd party vendor. 
The County of XXXX XXXX received a XXXX XXXX payment from Corelogic ( to cover multiple properties ) and it took the County until XX/XX/20 to allocate the payment and then refund XXXX for my duplicate property tax payment. 
My new lender had paid the property taxes ( simultaneously ) and they were accepted by the County prior to the XXXX  allocation and therefore the County refunded the duplicate payment to XXXX. The County provided me with the refund check # ( I  have ) and the amount ( about XXXX ) to XXXX! 
I have yet to receive my escrow/tax refund in the amount of {$2500.00}. 
I have called Primelending numerous times and asked for assistance. I've tried to escalate and I have asked to speak with a supervisor -but no supervisor will talk with me ). Please help. None of the customer service reps know what their procedure is. Basically the customer service say there is an open task -and it is with the tax accounting department. When I ask to speak to tax accounting, I'm told they are " back office '' only. My property taxes have been with PrimelendingXXXX  now for 60 days ( since XX/XX/20). My loan with PrimeLending was paid off 131 days ago. Did they steal my money? I am getting very nervous. 
I have tried to call XXXX but there phone system clearly states that it is the individual mortgage company that is responsible. Please, please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I attempted to refinance and was told to not make my XXXX payment as I would be bringing it to closing. I contacted them by phone during the month of XXXX to get an update and was told, again, to not make the payment. On XX/XX/XXXX I emailed concerning my payment. They got back to me within the following day and said that yes, things were taking longer and I was to make the payment. I made the payment on XX/XX/XXXX. The week of XX/XX/XXXX they sent me an email telling me that they were denying my refinance application due to bad credit score. I then checked my credit and saw that it had fallen over 100 points due to my XXXX mortgage being late. I called the mortgage company to find out what happened. I asked how they could tell me not to pay until it was considered to be a late payment and then turn my application down due to bad credit that was their fault due to their actions. My mortgage rep told me Sometimes that happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
inquiry were put into my credit report showing a derogatory account throughout XXXX even though my account was closed and satisfied on XX/XX/XXXX Bank name is Synchrony

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