vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Our loan was sold to this shady XXXX company, Specialized Loan Servicing in XX/XX/XXXX. They are saying we didnt make a payment although we have provided proof that we have. They stated we would have to make ANOTHER payment to make account current. 
We called on XX/XX/XXXX to get it resolved, theyvsent it to Review, along with our proof of payment ( supposedly ). As of today XX/XX/XXXX we still have no resolution. I have a list of 9 different people I have talked to who just put me on hold and move on. I've requested a manager and again, I'm put on hold and advised a manager would call. STILL no call from anyone. Over this XXXX company!!!!

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 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
XX/XX/XXXX We switched our smart phone service from XXXX to XXXX XXXX We had two XXXX XXXX phones and one reader board. For some reason, the reader board, which was subsequently not used, was not able to be switched at that time. We did not realize XXXX would keep charging us for it. 

XXXX sent a bill in late XXXX for {$84.00}. I sent check # XXXX dated XX/XX/XXXX for that amount and that check cleared my bank on XX/XX/XXXX. I sent notification with the check that we were no longer using XXXX for our service. 

XX/XX/XXXX XXXX continued to bill us, and I phoned them. My notes show I talked to XXXX, who assured me there would be no more charges, and that our account was closed with the CLOSING CODE XXXX. 

However, XXXX kept sending emails that we owed them. Please see the copies of billing documents emails and subsequent debt collection notices and our replies thereto.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: GA

Complaint narrative:
In XX/XX/2019, I, XXXX XXXX XXXX, disputed an account by XXXX XXXX. I was informed in XX/XX/2019 that the item was deleted from all credit reports and bureaus. In XX/XX/2019, a collection re-insertion by an entity known as XXXX XXXX XXXX has illegally reported the same collection as previously mentioned back on my credit reports and to the credit bureaus. I have NO such business dealings with this company and ask that they provide signtures staing that we have an agreement. I request that the collection item be removed permanently from Trans Unions credit agency effective immediately. as my credit has suffered from this form of identity theft. 
he next step will be to pursue legal action against this entity and the bureaus that continue to report such fraudulent activity.

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 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
Complaint against USAA bank XX/XX/2019 I opened an account with USAA bank on XXXX XXXX 2019. 
Two weeks later I started to make a deposit into the account. As I was making the deposit they closed the account. Maybe because they wanted to use my money for free? 
I called them maybe a dozen to find out why they closed it. Finally, they answer that there was no reason so they opened it up again. 
After I deposited two electronic transfers in the amounts of {$2400.00} and {$1000.00}. they closed the account again. 
To use my money for free, again? 
After I had used {$1300.00} of it, they closed my account because they said they had a hold on the deposits. 
They did not tell me there was a hold on the deposits and they got mad at me because I used {$1300.00} of the deposits. 
They said they did not have the money yet. I do not know how they gave me money that was not in my account. 
I did not apply for any loans of ask for any money in any way. 
They said they would send a check for my money after it was released, in 7 to 10 days. After 7 days they released the hold, and then they put another hold on it for 30 to 60 days additional days. They will not give me an answer as to why, is it because they want to use more of my money for free? 
As far as I know there is no reason for any of this. 
I have never heard of any wire transfer taking up to two months to be released. I believe they are harassing me. 
This is a formal complaint against this bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: NY

Complaint narrative:
Experian is violating my consumer rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine that accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' The XXXX XXXX account is not mine and I have submitted multiple disputes and Experian is illegally reporting this account on my credit report. 

In compliance with the method of investigation request, please provide the following : A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX XXXX the exact amount claimed.

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 2019-10-18 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have paid off a collection account with XXXX XXXX on XX/XX/2019. I settled the account per agreement with the collection agency. The sent me a release of debt letter and also filed a request for deletion to the 3 credit reporting agencies. The account was removed from XXXX and XXXX, but still remains as an open account on Equifax. I have made multiple contacts with Equifax and filed disputes. I have contacted the collection company multiple times and the stated that they have sent the request and all other documents to Equifax. As of today, XX/XX/2019, Equifax still shows an open collection account for XXXX XXXX and have stated the account is accurate and has not been paid. All they tell me I can do is file a dispute again. I have talked to two Equifax representatives that stated they did receive the deletion request and it would take 30 days for the account to fall off my report. They stated it was XX/XX/2019 that they received the request to delete and it would be off by XX/XX/2019. When I called on XX/XX/2019, I was told that they have not received any deletion request and the account is not paid off. They told me to contact the collection agency myself and ask them to send the request electronically. I made the phone call to XXXX XXXX and they stated that they have submitted the request already and have been having problems with Equifax with other clients as well. I can not speak to anyone that seems to know what's going on at Equifax and keep getting different answers with no help or results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
consumer : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX : XXXX [ ARIZONA BANKRUPTSY COURT- XXXX XXXX ] Debt Collectors : 1. Navient-XXXX XXXX  XXXX, XXXX XXXX, Pa XXXX 2. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, Pa XXXX 3. Pioneer Credit Recovery Inc, XXXX XXXX XXXX, XXXX, NY XXXX These 3 companies continue to contact me to pay a dept that was discharged in Bankrupsy Court filed on XXXX. XXXX XXXX the court trustee specifically told me to stop paying on the student loan debt which was listed as a XXXX XXXX debt. Both Navient and XXXX added their names to the Bankrupsy filing, and at the time did not identify themselves as collectors for XXXX XXXX, infact, I am not sure who they represent as I never made any student loan payments to either company directly. 

I wrote a letter months ago asking them to verify this debt and show that XXXX XXXX had authorized them to pursue this debt. They sent me back a doctored up agreement without reflecting any dates and showing that my last payment on this debt was XXXX of XXXX. Then they jammed my credit report with the fictious amount of approx. 6k. 

1. It is against the law to report - reflect an old past due debt as new - if infact the debt was sold, but how could wells fargo sell a debt charged off in bankruptsy? 
2. Since this company has removed all dates from the one piece of paper they did send me, it is my contention that it has well been six years since this debt existed. 
3. It is against the law for a debt collector to try and get money from a debt discharged in Bankruptsy under federal law section 524 title II. 
4. This amount of XXXX is inflated from the original balance due to XXXX XXXX over six years ago 5. As a senior XXXX years old, I am on a fixed income of social security and a pension and would not have the ability to make any amount of payment, which was the whole reason to go through the humiliating act of filing bankruptsy At present I feel if you cant help me get these persistent fraudulent creditors off my agenda, I still have hope of contacting the AZ Bankruptsy Court XXXX XXXX and asking for his advice.

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 2019-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX & XXXX 2019 XXXX XXXX XXXX XXXX XXXX overcharged my credit card. The total amount originally was {$93.00} I immediately contacted them and instead of correcting the mistake that they made they debated it with me for a week and would not budge they took money from my credit card and then gave me a credit for the balance {$17.00} with an expiration date and without asking me my preference and or permission, XXXX automatically applied the credit to my XXXX account instead of sending the credit back where they took it from in the first place, which was my credit card. 
I then called my credit card companies Disputes Department to dispute the transaction and they instead of protecting me sided with the merchant. 

I am a Furious!! please see the attached a screenshots to give proof as to my claim. 

Spoke to : Supervisors @ PayPal Business debit Mastsercharge Resolutions Dept. 
( XXXX XXXX ) & XXXX XXXX XXXX ) XXXX Called XXXX, PayPal XXXX XXXX XXXX got no help resolving my {$17.00} adjustment. 
XXXX XXXX You don't get to take money from people and then not give it back the way you took it that is fraud and outright fever and unacceptable I want my money back on my credit card plus something for my trouble sis been a complete nightmare counterproductive and I don't appreciate this egregious mistreatment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
I tried to send {$550.00} to my cousin using Cashapp. The app decline my transaction but took the money from my bank account. The app then closed my account with my money in it. The app would not allow to cash out my own money. I had gotten logged out and now I cant even see the money in my account. Ive sent numerous emails and they give me no explanation as to why I cant access my my money. Ive even tried reaching out to my bank with no luck. They wont even tell me why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: NV

Complaint narrative:
Told this company that the account was not mine. They did not respond to my letter. Earlier this year my identity was compromised. This is not my account or debt - it's a XXXX XXXX. Mind you, I currently have XXXX in my name. That is not my account. Furthermore, my letter consisted of me requesting my wet signature on a contract with XXXX XXXX according to the FCRA 609. They did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Customer paid XXXX by Credit Card to my company, on XX/XX/2019 in three different transactions. One for {$9200.00} the second for {$9700.00} and the third for {$9400.00} for the purchase of mirrors and shipment/insurance by XXXX XXXX, ( shipping comany ) to Alaska. Bank of America who my company uses for Merchant services  considered this fraud and asked for customers address and phone number. Both provided both to Bank of America. Bank of America then asked for customers ID, which my company also provided to Bank of America. 

Bank of America then called my company and spoke with owner and informed him they are putting Merchant Services on Hold for 60 days so they can do more research on the transaction. 

Numerous calls were made to Bank of America Merchant Service Fraud Dept by Office Manager with no answer and no response. Message left by Office Manager asking if we can refund customer. No return calls made. 

On XX/XX/2019 Office Manager for attempted to refund customer on XXXX  and refund was denied. On same day, XX/XX/2019 at XXXX XXXX, Office Manager placed a call to Bank of America Merchant Service Fraud Department, XXXX XXXX at XXXX, he did not answer so she left message for him to return call RE : XXXX transaction. Office Manager also called XXXX, bank representative that helped set up Merchant account. Neither XXXX nor XXXX returned call on XX/XX/2019. 

On XX/XX/2019, XXXX called company and spoke with Office Manager and informed her that Company account has been closed so the {$28000.00} has been placed in a Reserve Account for 90 days beginning XX/XX/2019. Office Manager asked XXXX if we can refund customer so he can pay with another form of payment and XXXX said she can NOT. Customer has paid my company {$28000.00} which has been charged to his Credit Card however my company has not received funding because Bank of America has funds in a Reserve Account until XX/XX/2019 therefore my company can not complete job that customer has already paid in Full due to no funding to complete job. Customer asking when shipment will be placed, has already been a moth. My company is in danger of being sued by this customer if we can not complete job that has already been paid for.

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 2019-10-18 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: NY

Complaint narrative:
THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTERS THEY SENT TELLING ME THAT THEY SOLD THE ACCOUNT. YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE THREE CREDITORS THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING.

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 2019-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CO

Complaint narrative:
When seeking out information about why I was receiving notices with zero payments due. Then the next day I would have a delinquent notice. I was simply confused and needed to see the other side. At this point, operator XXXX jumps on the phone to let me know the answer to my above concerns in this manner, " well that national advisory you had consolidate your loans, they helped you to falsify your income and documents to get that rate. Did your income even change? At this point the conversation is over, because I will not be spoken to like dirt! Two things I have a problem with, your customer service agent just called me a liar and a thief. Do the research and the math. Texas XXXX 45hr+night diffXXXX that's 47 hourly straight pay. Wyoming same nurse 32hr+XXXX night diff..XXXX, it's about XXXX less an hour. Plus I worked two jobs up til now. It would be well advised to educate this individual on customer care. In my profession my boss would of already had me escorted off the property ... 
Respectfully, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retail Merchants Associates
State: LA

Complaint narrative:
after checking my report I found this Inaccurate information.XXXX XXXX for the amount of {$220.00} dated XX/XX/XXXX XXXX Also, Credit Bureau Dated on XX/XX/XXXX for {$5100.00} another from XXXX XXXX Hospital for {$77.00} all of those are inaccurate because I have had XXXX and XXXX XXXX XXXX please remove these Incarcerate filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
XXXX, Fri., XXXX XXXX. C.S.T. 

I am resorting to this format in order to let CFPB know of my ongoing problems with the Ocwen and PHH mortgage companies. It is my understanding that Ocwen is the parent company, and PHH is a subsidiary of Ocwen. I would have used your feedback feature but was unable access it online. 

On XX/XX/2019, I emailed Ocwen that I could no longer afford to make mortgage payments on my cabin in XXXX, Michigan. The Ocwen relationship manager chatted with me by phone and recommended I enter into a deed-in-lieu-of-foreclosure process. His description of how that property surrender would work sounded good to me, and I agreed to doing the DIL. The relationship manager told me to make no more payments and send no more bank statements. In XX/XX/XXXX, I was contacted by an Ocwen rep who told me my cabin would be given an " external evaluation '' ( a walkaround ) in a week or so, after which the DIL process could be completed. However, shortly after, I began receiving mortgage payment requests ( going back to XX/XX/XXXX ) and was told that PHH was my new mortgage company, my mortgage had a new, PHH-assigned number, and a PHH relationship manager had been assigned to my account. I wrote to that man and explained that I had entered into a DIL process with Ocwen, and also asked him if he had any paperwork from Ocwen on that matter. He did not answer back. So, I wrote to PHH 's Escalation Group, which also did not trigger a response. I additionally wrote to the PHH Office of the Ombudsman, and got no response there, either. It certainly appears to me that Ocwen now has no intention of pursuing the DIL process with me, and I have formed a very negative opinion of both Ocwen and PHH. I would greatly appreciate hearing from someone at CFPB about this whole matter. Thanks, folks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was defective. Shortly after purchase the transmission blew out. I returned the vehicle where it was purchased and it has since been sold at auction and sold for more than the debt owed. This account needs to report a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation