vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: KY

Complaint narrative:
I and my family have been contacted multiple times in the past 2-3 weeks by a company called " XXXX XXXX  '' from phone number XXXX in an attempt to collect debt which they say I owe them on a XXXX card. The most recent call was today and from a person calling herself " XXXX. '' This debt was settled in XX/XX/2016 with a debt collector named UNIFUND LLC in XXXX County Civil Court Case XXXX. This case was settled out of court between the two parties and dismissed with prejudice. " XXXX XXXX '' has provided no documentation to the effect that they have a right to collect this debt and frequently hang up on me when I ask probing questions as to their legal right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed 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 non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
The entire process with AmeriHome/XXXX has been a complete nightmare which is coming from someone who works in the industry. Following the submission of my initial package, I was told that I had missing documents when I submitted everything as stated in the package. They asked for different documents than were required in the loss mitigation package stating that I was missing documents then they also asked for additional documentation that was not requested in the original ( for a {$200.00} annual HOA bill ). This lack of knowledge and understanding in regards to their package and what was needed pushed the entire process out for another 30+ days.I have also requested to speak with supervisors on numerous occasions who send the customers to voicemail and do not return phone calls. 

Furthermore, I was completely current until the modification trial period which lasted for 4 months and in all the entire process took over 8 months to have finalized and completed. There were also issues with my final documents that I had to point out to them as they were incorrect which then caused more delays in completing the modification. 

I was also charged an additional {$370.00} at the end of the modification which I paid in XXXX. However, still in XXXX, it is not showing as rectified and paid on my bill even though I have called numerous times and spoken to multiple people. I continue to be told it is taken care of and that they misapplied the fee, but it continues to show as overdue on my statements. When I called on XX/XX/18 because the fee was still show due even when it was paid, the represented was rude and told me that the {$370.00} were late fees in which I replied that I was completely current on my mortgage and that the {$370.00} she was referencing in late fees only came during the trail plan which was all paid on time. She continued to arguing with me telling me that " this was the default department and if I got a modification then I was not current ''. I told her based on my pay history I was clearly current up until the trail plan for the modification started which was the only thing that made me incur any late fees. She continued to tell me that the " late fees were based on the investor ''. However, my investor is XXXX whic the requirements of fees are clearly outlined " The servicer must not charge the borrower administrative fees. The servicer is authorized to assess late charges during the Trial Period Plan. The servicer must waive all late charges, penalties, stop payment fees, or similar charges upon the borrower 's conversion to a permanent mortgage loan modification. ''

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 2019-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I was notified on XX/XX/XXXX that I was the victim of identity theft and that my Chase bank accounts could be compromised. I notified Chase immediately to put fraud alerts on my account as well as change passwords and put restrictions on account etc. I was assured my money in my savings account and checking would be secure. On Friday XX/XX/XXXX, a an unauthorized withdrawal in the amount of XXXX was made in person in a bank in Indiana. I only found this out when I checked my daily balance on Sat XX/XX/XXXX morning. I have filed a claim with Chase and now have to wait 10 business days for my refund. I have also had to shut all accounts associated with this account down. Tis not only has caused a huge inconvenience but begs the question how and why did Chase allow this to happen?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: TX

Complaint narrative:
please update my current address to XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX and remove all other addresses showing on my report. I have attached a copy of my most recent utility bill with my current address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP
State: MA

Complaint narrative:
We traded in our vehicle at a dealership when purchasing a new vehicle. Our current monthly payment on the traded-in vehicle was not yet due. After the purchase, the dealership did not send in payment for our trade in for over 45 days, despite numerous phone calls and in-person follow-up visits to the dealership to rectify the problem. As a result, both my and my husbands credit ratings plummeted over 100 points each! Shady practices by car dealerships!!!

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 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
A fake company called Speedy Cash loans sent me an email on XX/XX/2019 about being approved for a loan up to {$2000.00}!! Kept getting calls from them ( XXXX ) XXXX! I talked to a guy named XXXX with an XXXX accent! He asked me to pay {$50.00} down due to bad credit! Asked me to get a card ... XXXX  or XXXX XXXX XXXX after I asked to pay with my credit card! Went to XXXX XX/XX/XXXX and got a {$50.00} XXXX XXXX card! Called back and he asked for {$140.00} more! I finally caught on and told them Im gon na get them for ripping off a XXXX woman! Ive had a lotta credit checks without getting the loans..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed 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 2019-12-18 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I took out a long term installment loan from Check N ' Go at XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( business is abandoned no one there? ) I went to get a full and proper forensics accounting of my loan and make a Cash Payment as I always have. I could NOT do anything as the business is ( CLOSED ) Permanently as they shut the doors and left? NO one to get in touch with, many people standing outside like me were left in the Dark? 

At no time was i ever told the business would suddenly and secretly close in the dark of night and take all records and Vanish and disappear? NO ONE ever contacted me nor bothered to let me know they would secretly close and take all the records and leave going out of business? 

As a XXXX  XXXX Veteran i have no idea what is going on and what to do, i called the number in the window and NO ONE answered the phone, i called another store and was told " Oh they went our of business due to Misconduct and fraud " I now am left with no records no place to get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: VA

Complaint narrative:
ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING N MONEY MKT. ON XX/XX/19 I WITHDREW {$4500.00} FROM CHECKING. I WAS RED FLAGGED N QUESTIONED ABOUT 2 WITHDRAWALS. I WAS A BIT UPSET CALLED 800 NUMBER. A XXXX READ ME THE RIOT ACT ABOUT MAKING 2 LARGE WITHDRAWALS IN A 4 DAY TIME SPAN. HE ALSO INSINUATED I WAS DOING SOMETHING FRAUDULENT BY GOING TO 2 DIFFERENT BBTS. HE SAID I MUST GO TO MY LOCAL BANK N NOT BANK TO BANK. ON XX/XX/XXXX I WAS IN XXXX GROCERY SHOPPING WENT TO BBT THERE. ON XX/XX/XXXX I WAS AT DOCTOR IN XXXX  XXXX N WENT THERE. HE THREATENED TO FREEZE MY ACCOUNTS AND REQUIRE APPROVAL BEFORE MAKING ANY MORE WITHDRAWALS. I SAID THIS IS MY MONEY N HE CAN'T DENY ME ACCESS TO IT. HE BASICALLY STATED YES HE CAN. I WAS MADE TO FEEL LIKE A CRIMINAL FOR TAKING MY OWN MONEY OUT OF THE BANK. 

ALSO ALL MY MAIL IS TO GO TO MY PO BOX BUT ITS GOING TO MY STREET ADDRESS. I DID AN ADDRESS CHANGE XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm in the process of getting a mortgage with XXXX XXXX. They could not get a credit report from Equifax. Equifax said my name was incorrect in their system which is not true. They said they fixed it and to have the bank call the business area. When they did they were told my address was incorrect. They still dont have a report. Also my XXXX XXXX score in the circle has remained at XXXX but the graph is XXXX which is correct. Also all my accounts are not showing. I have been asking this to be corrected since before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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 both checking and saving accounts with citi bank on XX/XX/2019 at the XXXX, Illinois branch. At the time while I opened the account I was offered {$400.00} and three month high saving interest rate for {$25000.00} new money and {$250.00} for setting up direct deposit. The interest rate worked immediately. But the cash bonus never came until today which is 7 months later. 
During this process i called two times about this matter. The first call I was told instead of giving me the bonus after 3 months opened I need to keep the money for 3 months then wait for another 3 months to get the bonus. So that's why I called the second time in XX/XX/XXXX, this time they claimed it should be XXXX business days instead of 90 days and I will be receiving this bonus on XX/XX/2019. 
Today I chat with an agent again and now they claimed they don't see this offer with my newly opened account which definitely contradicts themselves. I didn't keep the offer given by the branch because I thought there should be trust between the bank and me. Apparently not in this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 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: MD

Complaint narrative:
I was enrolled in XXXX college back in XXXX or XXXX. I was not aware of the high price I had been issued for this school. My loans total in the amount of XXXX. I was only enrolled in this school for about a year prior to graduating and was not able to obtain employment as they promised nor received assistance. I tried contacting them for years with no luck and didn't know what to do. I have been seeing a lot of ads on the scam that was happening at XXXX and that I should submit to have this debt removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I explored refinancing an existing PennyMac loan at 3.75 to  a new PennyMac loan at 3.25. I explained that I did not see the advantage given that the closing costs would add principal to the new loan. I was told that a streamline with PennyMac would limit the closing costs and prepays to roughly XXXX because the Escrow would migrate from the old loan to the new loan. Upon review ( loan closed in XXXX ), it seems they took my old escrow and used it to reduce the principal so that the new loan appeared lower than it would have been. I immediately inquired the back in early XXXX and was told that PennyMac paid my taxes with the old escrow at closing. That did not happen. My new loan, which only had a minimal 1000.00 +/- escrow paid the taxes of XXXX and now I have a negative escrow balance of over XXXX. I contacted my mortgage officers who do not return contact. I called PennyMac today and the customer support representative sent messages to the mortgage officer team. So, in short, rather than PennyMac " eating '' the additional closing costs and prepays ( as I was told ), they used my old escrow to decrease the payoff of the new loan, did not transfer to me ( or to the new loan ) the amount of the old escrow account, and now I will be paying much more for my mortgage ( because I will have to catch up on the negative escrow ) than would have been the case had I kept the original mortgage. XXXX : They said one thing, and did another. Escrow did not migrate to new loan, and now my new loan will be much more expensive. They did NOT inform me that they would use the escrow for a principle reduction, but stated ( I quote ) " PennyMac '' will " eat '' the closing costs because it was a streamline deal for which I qualified. They simply used my escrow. Now I will have an additional XXXX to make up unless I want a major change after mortgage analysis. The old payment was about XXXX. The new payment was to be XXXX. If you factor in the extra XXXX/month to catch up the escrow, it is more like XXXX. Rough estimates. I was given objectively false information about this loan and would have kept the old loan if I had know about this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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: IL

Complaint narrative:
Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on XXXX/XXXX XXXX XXXX original creditor XXXX account number XXXX. ( Please see page attached from my credit report. ) I originally had XXXX as my phone service. I live in a very rural area and my commute is lengthy. I had sporadic service at best. I contacted XXXX and asked if there were any trouble-shooting tips I could utilize that XXXX help. I followed their instructions and nothing helped to enhance my service. I called XXXX back and the representative told me that the lack of service was of no fault of my own and they agreed to let me out of my XXXX contract. I wasnt made aware that this account had gone to collections until I obtained a copy of my most recent credit report. I was shocked to see that XXXX had not honored their word to cancel my account, but rather had sent this account falsely to collections. I was never notified by XXXX of any action of a collection was going to take place. This collection/charge-off that is appearing on my credit report is seriously harming my credit score and this line item needs to be removed. I have contacted not only XXXX and XXXX XXXX to assist me in removing this, but I have also contacted the ( 2 ) bureaus however, I have not been successful.

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 2019-12-18 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: FL

Complaint narrative:
I DEMAND TO KNOW THE REASON/S AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT STILL REMAINS REPORTING NEGATIVELY UNDER EXPERIAN AND XXXX. 
XXXX  WAS ABLE TO GET IT REMOVED SINCE I STARTED DISPUTING THE INACCURACIES ON : XX/XX/2019, THEY COMPLETELY DELETED THE ACCOUNT FROM MY REPORT ON XX/XX/2019. THIS ACCOUNT REMAINS CHARGED OFF WITH A HIGH BALANCE AND IT IS TRULY HINDERING THE OVERALL HEALTH OF MY CREDIT SCORES. XXXX  MANAGED WASH OFF THE ACCOUNT BECAUSE THERE IS NOTHING VERIFIABLE, ACCURATE NOR COMPLETE ABOUT IT. ONCE AGAIN, NEITHER EXPERIAN NOR XXXX  HAS RESPONDED BACK TO MY DISPUTES, THIS IS GETTING RIDICULOUS. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE ( FCRA ). PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED COMPLETELY FROM ALL REPORTS.

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 2019-12-18 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:
XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$1200.00} on XXXX XXXX XXXX original creditor XXXX account number XXXX. ( Please see page attached from my credit report. ) I originally had XXXX as my phone service. I live in a very rural area and my commute is lengthy. I had sporadic service at best. I contacted XXXX and asked if there were any trouble-shooting tips I could utilize that may help. I followed their instructions and nothing helped to enhance my service. I called XXXX back and the representative told me that the lack of service was of no fault of my own and they agreed to let me out of my XXXX contract. I wasnt made aware that this account had gone to collections until I obtained a copy of my most recent credit report. I was shocked to see that XXXX had not honored their word to cancel my account, but rather had sent this account falsely to collections. I was never notified by XXXX of any action of a collection was going to take place. This collection/charge-off that is appearing on my credit report is seriously harming my credit score and this line item needs to be removed. I have contacted not only XXXX and XXXX XXXX to assist me in removing this, but I have also contacted the ( 2 ) bureaus however, I have not been successful.

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