vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My original complaint was filed back in XXXX. XXXX ( my original complain ) XX/XX/19 I faxed my request to close my escrow account. I currently qualify for property tax exemption and on this day I sent them the documents from XXXXhe County of XXXX XXXX- Office of the Assessor, proof that my property is now tax exempt and will continue to be exempt as long as I file every year for it. However, since then they were not able to close the escrow because I was a payment behind, which I have made that payment since then. I was told that after the payment was made they would close out my escrow payment. I later received a letter in the mail that my escrow closure request was not approved, that I did not qualify. I called into customer service at Select Portfolio Services and was told that my paperwork needed to be reviewed by another department. I later received another letter that my request to close my escrow account was denied. For the XXXX payment I made my payment, minus the escrow. I am simply trying to get them to process the request to close the collection of fees for my property taxes. I was told by a County of XXXX office assessor that if someone from SPS called them XXXX that they could also verify my status as exempt for my property taxes. 


It has been Months and there has been no resolution to remove the escrow from my statements and SPS is still trying to collect on my escrow payments. When I called in yesterday the representative I spoke with was unable to assist me any further other than providing me with another phone number to contact and SUBMIT ALL THE DOCUMENTS that I have already submitted numerous times. 

The county of XXXX XXXX - Representative, XXXX XXXX is the one that processed my request to have my property taxes exempt. XXXX XXXX XXXX XXXX XXXX XXXX # :XXXX. If you need to verify the validity of my property taxes being exempt, here is the contact information for the County of XXXX   Assessor 's office. 

Please REMOVE MY ESCROW FROM MY ACCOUNT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
The credit bureaus are reporting erroneous information on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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 just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with 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 non-monetary relief
Consumer complaint received 2019-08-13 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: IL

Complaint narrative:
After reviewing my credit report I noticed several unauthorized 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 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have an account with Navy Federal Credit Union. The account has been opened for over 30 days. I made a deposit of XXXX. It was a check drawn off of XXXX XXXX. They put a 5 day businesss hold on it. I called on Moday to get it released. I was told only the branch could release it. They wouldnt give me the branch phone number, they wouldn't take my complaint, nor let me speak with a supervisor. They claim they don't verify funds over the phone, but I know they have a system. I didnt even ask for all of it to be released. Just half of it so that I can put gas in my car or buy food. I reached at via XXXX. they were supposed to call me around XXXX. No one called. When I messaged them they said they had to make a phone appointment. Nothing. They have no intention of trying to resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Signed to Help my daughter get funds for an, elective, XXXX. Was not told I was primary. Thought I  was co-signor. Was never told there was a problem until I received a call from a collection agency. They told me I owed {$13.00} dollars. I had asked the bank to be notified if my daughter missed a payment. That was in XX/XX/2019. The next notice I get was XX/XX/2019 from the collection agency. I tried calling the bank, Synchrony, they refused to give me any information. Not disputing the money is owed, just trying to find out why I was left in the dark.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've had an issue with all 3 major credit agencies. XXXX, XXXX and TransUnion. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. XXXX screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with TransUnion and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.

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 2019-08-13 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: TX

Complaint narrative:
I've had an issue with all 3 major credit agencies. XXXX, Experian and XXXX. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. XXXX screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with XXXX and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.

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 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have inquiries I was trying to dispute with the creditor and Transunion. Because some of the inquiries were done without my permission Transunion refused to dispute my issue. 

inquiries that should be removed XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened my account. A couple weeks later, I get a letter saying the bank needs to verify my physical address. Ok no problem. Before the deadline on the letter, I go to a branch as the letter instructed me to do. I show them proof of physical address. They tell me it's all taken care of. They even let me set up my pin for my debit card.

A few days later, I find can't access my account. I call and they tell me it's closed because I didn't update my address. Two weeks later, I still don't have my money. There was over {$900.00} in that account. I've incurred late fees on multiple bills. My landlord is going to evict me yet they don't care.

I've called customer service. I've called the executive offices. No one I get on the phone knows anything. They transfer me to a supervisor who never calls back.

I thought Wells Fargo was ( in ) famous for opening accounts not closing them.

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 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
My {$100000.00} cashiers check is " lost '' after LoanCare LLC received it via certified mail. One week has gone by and the company has asked for my receipts.

Prior to sending our principal payment, we called LoanCare LLC to understand the process for making large principal payments. Although we preferred electronic payment using their own website, we were asked to send the {$100000.00} cashiers check via mail. We verified the approached and the address with them prior to making this large principal payment. We sent a {$100000.00} cashiers check with the account number on the check via certified mail to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX. 

We documented the process with pictures. After 1 week, they still have not credited the account even though the certified mail shows that they received and signed for the check.

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 2019-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: ID

Complaint narrative:
My mortgage company is freedom mortgage now for the third year in a row my house payment went up and it is there fault. I called them the XX/XX/XXXX and asked them why my house payment went up again, at first I was told that my home has to be in compliance with state and city ordinances, I told them my house is only 5 years old. Then I was told my property tax or insurance hasn't gone up, but he said they did an escrow analysis and I was XXXX dollars in the hole. I asked them how did I get in the hole and was told we didn't take enough money out for your property tax, I explained to them I didn't receive anything about my taxes going up. So now they up my house payment again now its over a thousand dollars I started out at XXXX now I am over a 1000 dollars. This is my mortgage company aren't they suppose to know what my taxes and insurance is, and I  have sent a copy of my circuit breaker for taxes 3 times and there telling me to send it again. I have never had a house payment change for three years in a row. I feel this is there error not mine but now I have to suffer with a raise again in my house payment well good luck freedom mortgage your getting the same payment we cant afford XXXX a month as were both on XXXX social security. Something has to be done to stop this mortgage company from raising my house payment every year. We also on the Property Tax Reduction for the last 3 yrs, which we have sent to freedom Mortgage several times.

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 2019-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had a PayPal Business Merchant Account that was to be used for my company XXXX for clients paying reoccurring subscriptions. After several months of trying to contact PayPal and being transferred to multiple departments to explain that payments are not being obtained from my clients and that payments processed from paypal are not appearing into my companys account I have had no successful resolution. My company XXXX is currently missing over {$100000.00} due to unsuccessful payments processed on the PayPal side. 

PayPal has sold me multiple products which are seemingly all different departments which causes me to go in circles when trying to resolve the issue. Aside from trying to explain to PayPal the situation and upload documents for them to review they're unable to do a screen share with their clients and or obtain emails a client would like to send them to obtain the documents. 

When I have previously used their portal to upload the documents I haven't been able to get a successful resolution by their support department and or whoever deals with potential fraud, security issues, and or customer complaints. 

Aside from the payments not being processed my account has gone negative {$38000.00} from supposed clients of mine who have asked for refunds or stated that the charges were not authorized and when I compare the chargebacks the charges are made under my clients name but the documents shown by PayPal show a previous developer hired by my company to build out the software platform owned and or operated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc.
State: CA

Complaint narrative:
XX/XX/2019 I went for out patient XXXX lasting about 7 hours and went home. 

XXXX XXXX Hospital over charged Medicare by 300 %. Medicare & XXXX XXXX XXXX paid total of {$27000.00} of the $ 100,000+ invoices. 

I was sent a bill for {$1500.00} for uncovered and unauthorized items. I demand an invoice twice for exactly what the charges were. 

They failed to deliver any justified and Sent me to collection. They are causing me a XXXX year old on SS financial damages.

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 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA. Attempting to collect a debt for {$600.00} account open date is XXXX XXXX. This is not my debt. I have told the company this. I have disputed the information on my credit report and they refuse to delete the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Since XX/XX/2019 I have received countless spam and harassing calls from Portfolio Recovery. Theyve called me with fake numbers using my area code, leaving voicemails with loud clicks/hangups, leaving messages that I will be federally prosecuted if I dont make a payment, and so forth. 

Before, it was to the point where they would call 3 or more times a day before, during and after XXXX. As of now theyre spam calling me Tuesdays, Wednesdays, Fridays, Saturdays, and occasionally some Sundays. 

Every few days I have to temporarily deactivate my voicemail to put a stop to this nonsense from Portfolio Recovery. 

In total Ive had to block about 300+ of Portfolio Recovery fake numbers. 

I dont know who these people are as theyve never left a detailed description of what debt I owe, an account number, or the company theyre representing on behalf of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart.

ever since the inception of the loan GM has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. 

after i spoke to GM 's representatives at XXXX i was told that GM for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. 

consequently, my credit reflects two late payments caused by GM Financial 's error to maintain a reliable and accurate automatic payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: U.S. BANCORP
State: TN

Complaint narrative:
There is an inquiry from US Bank on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. Thank you.

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 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WA

Complaint narrative:
Our mortgage is serviced by Roundpoint Mortgage Servicing Corporation. Our residential earthquake insurance was set to renew XX/XX/2019. This bill is paid out of our escrow account. On XX/XX/XXXX, we received a notice of cancellation due to non-payment of premium from our insurer, XXXX XXXX XXXX ; our policy was set to cancel by XX/XX/XXXX if not paid. I called Roundpoint the same day and was told that they had mailed a check on XX/XX/XXXX and provided a check number, but they were unable to tell me whether that check had been paid by their bank. I called XXXX XXXX XXXX, and I was told that they had not yet received payment on our account. I called XXXX again, and they said they would attempt to trace the payment, and they would have more information within 3-5 business days. I said I would call back the following Thursday. 

On Thursday, I called Roundpoint again and was told that the check for my premium payment was sent not to XXXX, but XXXX, which I believe is the underwriter. The check covered not just our premium, but premiums for some 59 loans, and the check exceeded {$70000.00}. They still were not able to tell me whether the check had been paid. I called both XXXX and XXXX, and neither had received a check with that check number or for that amount, or anything approximating it. 

On XX/XX/XXXX, I called XXXX and learned that the payment still had not been credited to our account. I paid the entire premium myself with a credit card. On our most recent mortgage statement, XXXX deducted {$420.00} from our escrow balance for our insurance payment, but has not accounted for that amount, and has not been able to even determine that the check they issued was deposited by the insurance company or that they provided remittance advice including our insurance account number ( which would make the matter the insurance company 's responsibility ). I am now out {$420.00} paid out of my own pocket, plus the {$420.00} deducted from our escrow account.

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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
An XXXX was purchase with my card, but I was at work at this time and point so I don't understand why I was changed with that. I've never even used an XXXX. Don't understanf why there was so many fees added to the bill. What these fees are for

Company response to consumer: Closed with explanation