vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
I had a conventional mortgage. Each time I was curious about my payoff amount, I had to email the payoff department for that amount and each time I was charged a {$30.00} fee for this information. I find this fee excessive and predatory. Why should I have to pay money for a loan that I already pay dearly for? In this loan with Summit Funding I paid well over {$120.00} for payoff information. I did not request the demand letter but that was the only option offered with this group. I am tired of the consumer always being taken advantage of in these situations. I told my lender that I did not want to pay this fee, that I would send them money in excess of what I owed and they could send the over payment back to me so I could save {$30.00}. It was not an option. Additionally to make the final payment required other forms of transactions that came with bank charges to wire the money vs taking it from the same account that they have received payments for years. This is criminal. I want resolution to this criminal behavior from banking institutions that make money off of us at every corner. I look forward to your assistance with this issue. I will commit my retirement day to fighting for the consumer in these situations. It has to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSH & Associates, LLC
State: MO

Complaint narrative:
After reviewing information on my credit report, I noticed that there were two accounts held by a RSH & Associates LLC. I was and currently am unaware of what these accounts are or who they are for. I disputed the accounts with all three bureaus and within three business days the bureaus said that information had been sent to them by RSH verifying that the accounts were correct, mine, and needed to be paid. I requested that the information that was sent to verify these accounts be forwarded to me, but never received anything. On XX/XX/2019 I sent certified letters to RSH directly requesting verification of these debts. Seeing as how they had sent information back to the credit bureaus within three days, I don't think it would take long or be a problem. The letters were received and signed for on XX/XX/2019. As of today, XX/XX/XXXX, I have yet to receive ANY correspondence from RSH. I reached out to a customer service representative and was told, very rudely, that it is not their responsibility to provide debt verification. It is obvious that they don't have any true information on this account or it would have been provided seeing as how they are wanting to get paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
see attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I am writing because FedLoan is refusing to process my IDR recertification in a timely manner creating the unnecessaryrisk that their inaction will cause me to lose several months of PSLF payments. Again. FedLoan confirmed receipt of my latest IDR recertification on XX/XX/XXXX. A few days later, on XX/XX/XXXX, FedLoan sent me an email ( attached ) telling me that my IDR recertification was " on hold '' and would not be processed until after XX/XX/XXXX. They then said : " Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request. '' The problem with this is that the new payment will be in effect for the month of XX/XX/XXXX. By waiting until the last minute to process my request, FedLoan will prevent me from having adequatetime to challenge the amount requested ( if needed ) or to respond if FedLoan announces that they are " unable to process my request. '' This unnecessarydelay creates an unnecessaryrisk that I will lose payment months towards my PSLF while we potentially argue about the new payment amount. To be clear, this is EXACTLY what happened during my last recertification. I'm including the following details about my prior recertification because I endured the exact problem I'm trying to avoid this time : I filed my prior IDR recert on XX/XX/XXXX. My new payment amount was to take effect in XXXX. FedLoan put my IDR " on hold '' and ignored it for XXXX and XXXX On XX/XX/XXXX they approved my IDR recert and announced my new payment amount. There was a problem with the new payment calculation, but because FedLoan had failed to process it in a timely manner, I then had almost no time to challenge it before the payment was due. As a result I lost THREE months of PSLF payments while I argued with FedLoan about my IDR payment. Had they processed my recert in XXXX when I submitted it, we could have worked out the problems before the payment was due in XXXX. XXXX NOTE : I did file a CFPB complaint on that and, as a result, FedLoan allowed a single, retro PSLF payment so in the end I missed TWO months of PSLF payments. Complaint # XXXX ) It must be acknowledged that borrowers receive the request to submit their IDR recertifications THREE months before the new payment cycle specifically in order to allow FedLoan to process it in advance. FedLoan is improperly delaying these requests and their delays are negatively impacting those of us enrolled in the PSLF program. Please direct FedLoan to process my IDR recertification immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-09 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
images uc* refer to the unauthorized XXXX charges images XXXX refer to  the imbalanced refund that was not dealt with since image blockedOverriden refers to the fact I blocked my card but citibank approved purchases image recurringUnapproved refers to the merchant XXXX I dont have an account with them and I have no recurring purchases and when they started on XX/XX/XXXX I never approved any of them html file chatservice contain the chats summary of the many interactions I have had with citibank refer to the discussion on XX/XX/XXXX and that is usually how my interactions are. I basically tell them 'dont let this merchant make transactions on my card ' they say 'ok we wont ' I block my card the next day 'well to fix this you get a new card wait 10 days for that citibank will do an investigation that takes up to 30 days ' and the nonsense starts again I disputed the inital XXXX charge on XX/XX/XXXX. I was told that the process would take 30 and would issue me a new card. Several other disputes arose and for each dispute all I was told was that it would take 30 days and a new card would be sent. However all I kept seeing was that citibank let these playstation charges go through. 

I knew when something was horribly wrong when I figured I can block my card and unblock it only when I made the purchase. On XX/XX/XXXX the card was blocked yet on viewing my statement the next day the playstation purchase went through on that same day XX/XX/XXXX. 

Speaking with customer service about this several times they were very, very rude. They have had a history of letting ridiculous charges go through especially a charge for XXXX to a fraudster like as if I like to give away my money. I will also report that this happened in XXXX and acoording to the images. citibank saw the merchant gave me 1 % of the money, ridiculous. 

This email I had from citibank said that even though my card was blocked, since it was recurring it was allowed to go through. I was furious no citibank representative never told me that, all I got was 30 min of arguing then I was hung up on. 

This is crime, if citibank was a man they be put right in jail, but they are a big business and I am asking the United States Government to do what I cant and provide justice

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 2020-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On this date XXXX I went into the bank to close my account an was told to do it over the phone but as I try to do so my funds was closed while I still had XXXX in my savings I withdrew XXXX an still had XXXX in my savings an it disappeared an they said they camera doesnt go back to that date but they was giving me the run around like they was sending me a check for the remaining amount that was left in my account that was sense XXXX an when I came to the bank they just kept giving me the same run around

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 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stallings Financial Group, Inc.
State: PA

Complaint narrative:
Im checking my credit and see it went down tremendously and I see a medical record that clearly isnt mines.Thankful I have NOT been to a hospital or gotten sick to have to. Strange enough the medical place is in XXXX, I love In a totally different state now. Anyway I called stalling financial to inquiry this fake medical record .. Finally after two attempts I got thru to someone. I called and let him know I need information on this debt you guys trying to collect and messed up my credit for. I think have him the information he needed and WALLAH! I wasnt even in the system and my name wasnt coming up ... Interesting strangely they didnt even have my name on file and told me to call the original debtor which is XXXX XXXX XXXX ( XXXX ). I called the the XXXX  and they had no clue about what Im talking bout or whats going on then hung up in my face Twice. I called Stallings back to let them know that what they wanted doesnt exist and they still couldnt find my information and told me to contact the credit companies. I dont even have an account number to begin with!! They didnt even have the account number, nor a bill to even provide bc its all fake hmmm how STRANGE!!! Im upset, stressed and angry!! Wasted a wholleeee day!! I need answers and dont have them!! This is bad on both companies part and I will be reporting XXXX XXXX XXXX  as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Received a call from XXXX with Pheonix Financial Services. He provided me with my last four of social and child 's name. Stated I owe {$460.00} to XXXX XXXX for a ER visit on XX/XX/2015. I informed the man that my child was never seen by XXXX ER on that date and that I have recently spoke with XXXX ER who confirmed I did not owe that amount and was never seen on that date. He responded, " I am not here to argue with you ''. I let him know that I understood but, he is attempting to collect a false debt. He became very rude and told me I just need to pay. I told him I would look into this and if I felt I owe I would call him back he said that is fine you can ask for XXXX at XXXX. A few days after receiving that call I received a letter from them stating I owe {$460.00} with no information included.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
XXXX XX/XX/XXXX To Whom it may concern, ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A cashier convinced me to get a XXXX XXXX department store card to save money on a purchase. Against my better judgement, I did. I forgot I had the card until a late payment showed up on my Experian credit report on XX/XX/2019. I moved twice in 2019 and didn't receive the bills in the mail as XXXX XXXX has an old address on file. On XX/XX/2019, I paid the XXXX XXXX card off. A total of {$280.00}. 

Before this, I have never made a late payment in my life. Nevertheless, my FICO score dropped 79 points. This is a crushing blow, considering I just started building credit aprox. 10 years ago. 

I opened a dispute with Experian. They closed the issue, but would not tell me the outcome of the investigation or what will happen next. I also contacted their dispute center directly via the phone. The first representative asked me to upload documents at experian.com/upload and said he would not be able to supply any other information. The upload web page did not work, so I called second time. The lady told me my documents had to be in black and white, to clear my cache/cookies, and had to be less than X amount of MB in file size. She would not hold while I converted the documents to black and white and asked me to call back with any problems. I received the same error message the second time. I called a third time. The third representative told me I would need to mail the documents via USPS. 

I also contacted XXXX XXXX to come up with some sort of arrangement. In short, they told me I needed to write a letter to the Credit Administration as they have no phone, email, fax or website. 

Everything was paid off. This was a simple oversight. I make plenty of money and the charge was only for {$280.00}. I have never been late on anything in my life. How can my credit score ( which decides whether I can buy a car, a home, etc ) drop 79 points because of something so small. I feel they are making it impossible for me to correct a minor mistake I will mail the letters and any supporting documents, but I doubt I will receive any form of resolution from XXXX 's or the credit bureaus.

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 2020-01-09 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:
I want to remove my fraud alerts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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:
I want to remove my fraud alerts

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 2020-01-09 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:
I want to remove my fraud alerts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
In XXXX I made a vehicle purchase and was laid off from my job. I informed Santander of the situation and was subsequently offered a deferment. A couple days after the deferment was offered and accepted my car was repossessed by santander who then claimed that they did not offer deferments. in XXXX the account was sold to XXXX In XXXX my credit report showed both XXXX  and santander repossession which stopped me from obtaining loans and affordable interest rates. I have been attempting to rebuild my credit but have been unable to due to the constant refreshing of this debt by santander. The FCRA proved me the opportunity to rebuild and re establish my credit with out impairment from fraudulent claims by past lenders. at this time, at XXXX is reporting a repo from XXXX when I contacted them on XX/XX/XXXX and I was informed that there were no records of my account. I asked santander to remove my account since they were unable to provide me with the accurate information. my birth date is XX/XX/XXXX and my last four of the ss are # XXXX ( for accuracy and account lookup )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I wanted to pay off my Auto loan so I called XXXX and the Agent from XXXX asked me to use my credit card to pay the partial payment thru the Capital one Credit card so I asked the agent about the charges and other stuff and Agent told me that if you pay your credit card right away once the transection posted in your statement then you will not be charged any extra so I used my credit card. After call with XXXX, I called the Capital one just to make sure they don't charge any thing extra and they I knew that they charge 3 % transection fees. So I told them please stop the transection but they told me that they cant do that. so I called the XXXX they also told me the same thing. Then I again called the Capital one and asked for help so they told me don't worry for now, wait because if didn't go through it then you didn't need to worry. meanwhile I found that my cash advance limit is only {$150.00} so I thought that it will go through. but after 3 days it wend through and Capital one charged me {$120.00} ( XX/XX/2019 ). So I called again and explained everything about the situation and also explained about my cash advance limit ( {$150.00} ) and asked the agent how that is possible to give me {$4200.00} ( XX/XX/2019 ) cash advance even my limit is only {$150.00}. he said I cant do anything. I wasted almost 2 to 3 days behind that but nothing worked out. I feel being cheated as it shows clearly in my account that my cash advance limit is {$150.00}. please help me as they don't care much about their customer even I was with capital one with last 5 years. I felt helpless & so writing here about it. please help me. I would appreciate your help. thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American express has made 6-8 calls to my home phone and my wife 's cell phone trying to collect a payment from a relative that does not live at this address. I explained ( on a recorded call from AMEX ) on the second call that this relative does not reside here and requested that they do not contact us again. My request was ignored and the calls are coming in every day now. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I'm a victim of identity theft and i think my neighbors must have opened an account using my name because it's linked to the address nextdoor.

Company response to consumer: Closed with explanation