vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I applied for refinancing with Loan Depot and after considerable discussions of numbers, agreed to accept their refinancing offer to consolidate my first and second mortgages. The loan was closed on XX/XX/2018. My Truth in Lending Statement listed all appropriate charges including a shortfall in my escrow account with my primary mortgage holder. I did not resend the loan within the three day window available to me. On XXXX the XXXX I received a phone call from XXXX XXXX with Loan Depot saying that their closing documents were incorrect and demanded an additional {$1900.00} from me. XXXX was threatening telling me that I need to beg, borrow or charge the amount he said was outstanding if I did not pay this amount of money he threatened to " UNWIND '' the transaction in its entirety. When I asked him what exactly " UNWIND '' meant, he said he would go talk with his supervisor. I waited for his return call and ended up having to call him again today XX/XX/18. He advised me that his supervisor said that they would begin unwinding the transaction. I have checked with my second mortgage holder and the loan has been paid in full. In addition there were credit cards and other debt that was paid off with the proceeds. My primary has not been paid, is now delinquent and incurring late charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
We are two XXXX persons and have the time moved in with our son. We do not nor have we ever had XXXX XXXX. When we moved two different location we began to get the same bill however it is not his debt, I have written over and over and over again to XXXX XXXX to get them to proof up this debt and address Etc with no response that was at two different addresses now we have moved into our final home after losing our home to XXXX drywall and we get this letter, I know that our son does have a outstanding account with XXXX XXXX for XXXX and {$99.00} apparently he admits to. I need some assistance in getting this straightened out, Social Security numbers signatures document stating that my XXXX husband owes this amount. A copy of the original debt and original application for quote XXXX XXXX with signature and correct name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I need help with my mortgage company This is the equity line on my house and the 10 year interest only came due and they are requesting the whole balance I do not have that and have been offering there money for a short payoff my family has offered to help with the money they keep saying no only will take the whole balance We did get a Modification on the 1st mortgage under the Hamp program and never been late with that I have been willing to make Reg payments on this mortgage they keep asking for the same info over and over again Now I am facing a sale date next week trying to action off my family home please don't let this happen and have them give us more time and a plan to keep are home. 

We were told at one time if we got a Hamp Modification on the 1st the 2nd would work with us why is this not true anymore? And if this is gone why did they not do something way back then to help me keep this home not just keep asking for all the money and well the interest keeps going up.

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 2018-11-19 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: NV

Complaint narrative:
XXXX XXXX XXXX has been reporting a debt for {$37000.00} to my credit bureaus which was first delinquent by XXXX XXXX XXXX XXXX in XXXX. Transunion is reporting this collection to be removed XX/XX/XXXX which is two months past the 7 year legal reporting time frame according to the Fair Credit Reporting Act. I have disputed this multiple times and every time I get copies of old statements showing delinquency but never once showing the date I was first in default. The other bureaus are showing XX/XX/XXXX the debt comes off my report. I want this corrected.

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 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
On XX/XX/2018, I emailed Specialized Loan Servicing death certificate, small estates affidavit, and quit claim deed. My brother was on the loan with a co signer. My brother died, and the cosigner quit claimed off of the title I can not get any information on the loan. The loan is in foreclosure, and instead of indicating estate of XXXX XXXX, ( XXXX XXXX ), they just removed his name, not taking the quit claim deed into consideration. 

I do not have the social security number of XXXX XXXX. I want to receive a loan modification since my brother was beind on this mortgage. I have tried to speak and call repeatedly, and I KNOW they received the information because a supervisor looked into this, and told me so.

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 2018-11-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I have disputed a record with XXXX XXXX XXXX on multiple occasions regarding an record they are reporting from USAA. On multiple occasions I have disputed parts of this record and request for its removal for varying degrees of incorrect/unverifiable information being reported, and yet they continue to report it. I spoke with them today and the representative told me that even though the date of birth is incorrect, it is such a low value of information that it still allows them to report the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
URGENT : XX/XX/2018 : Called Freedom Mortgage as I sold my home on XX/XX/XXXX and a payoff check was sent to Freedom Mortgage and signed for on XX/XX/XXXX by someone named XXXX XXXX. Spoke to XXXX and explained that the payoff check for my mortgage was sent and XXXX XXXX signed for it. XXXX advised we sent the payment to the wrong address and we " dropped the ball '' on our end. I then immediately asked to speak to a supervisor as it has been two weeks since they signed for the check and my account was still open and they did not know where the check was. Was transferred to XXXX 's supervisor XXXX ( Employee # XXXX ). I emailed the packet from XXXX XXXX as proof someone at Freedom Mortgage signed for the check. XXXX advised she would call between XXXX EST on Thursday, XX/XX/2018. 

XX/XX/2018 : Called Freedom Mortgage as I had not received a call from XXXX. I don't remember the employee 's name from this call but Freedom Mortgage has record of this. I was told by this employee that no research or work had been done on my account and that XXXX was not in the office. I then asked to speak to a manager and was told that this employee 's manager would not talk to me but would call within 24 hours. 

XX/XX/2018 : Called Freedom Mortgage as I never received a call back. Spoke to XXXX. I immediately asked to speak with a supervisor. Spoke with XXXX ( Employee # XXXX ). I  explained my situation and XXXX advised he would reach out to check cashing to see if they had the check and it was not being deposited and if so what the issue is. XXXX advised he would call Monday, XX/XX/2018 by XXXX XXXX EST. I never received a call from XXXX. 

XX/XX/2018 : Called Freedom Mortgage and spoke to XXXX ( different XXXX ).  XXXX had given me his direct number and said I could call him. XXXX advised she could not transfer me to XXXX. I asked to speak to her supervisor and they would not come to the phone and I was advised that she would request they call me back. 

I sold my house on XX/XX/2018 and my mortgage is still open. Freedom Mortgage signed for the check and can not tell me where it is and no one in customer service has helped me or even attempted to look into this. My XX/XX/2018 payment is approaching and I should not have to pay this since I don't own the home and have paid off my prior home, however if I don't pay it, it will affect my credit and I am in the process of purchasing a new home. Additionally, I asked my billing be put on hold and no one at Freedom Mortgage agreed to do this, therefore I will still be receiving a bill.

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 2018-11-19 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: Radius Global Solutions LLC
State: NV

Complaint narrative:
Radius Global Solutions has reported a delinquent medical from date of service XXXX for XXXX XXXX. Phone number on credit report stated the file was being handled out of another office and provided an XXXX #. I called several XXXX # s after being given direction by each XXXX # previously dialed to no avail. No one was able to assist. My insurance was supposed to cover payment for the {$1600.00} that is being reported but ai can not get anyone at the company to assist. Im applying for a home loan and this is affecting my credit score which is in turn giving me a higher interest rate. I want this collection removed from my report. Ok to speak to my wife XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit score will drop inexplicably with no ( published ) reason for the drop. Additionally when my score drops ( seemingly ) because of an increased credit card balance, it does not raise proportionately when the balance is paid off. 

When I call the reporting agency they are unwilling and/or unable to tell me specifically what caused my credit score to drop. Generally they seem unwilling. 

Recently my scored dropped from XXXX in XXXX to XXXX in XXXX with absolutely no change to my credit report or my accounts ( other than I was issued {$15000.00} in credit from 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 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delmarva Collections, Inc.
State: MD

Complaint narrative:
Delmarva Collections , Inc. agency started reporting false information on my credit report in XX/XX/2018. At that time, I spoke with the original creditor, XXXX XXXX XXXX and it was removed. In XXXX, Delmarva Collections , Inc. started reporting the same incorrect information. After many hours on the phone with XXXX XXXX and XXXX XXXX I was told they were finally able to resolve the billing error on XXXX XXXX XXXX part and that it would be removed immediately back in XXXX. I just pulled my credit report again today, XX/XX/XXXX, and Delmarva Collections , Inc. is still reporting that I owe the debt. I have documentation that was sent to me by XXXX XXXX XXXX as well as XXXX XXXX and XXXX XXXX that shows that the account has a {$0.00} balance because the insurance paid the balance in full. See the attached documents for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Another account is allegedly open in my name in the same bank. After checking with the bank, I have just one account in XXXX XXXX bank. This has impacted my credit score by lowering it from XXXX to XXXX ( XXXX ) and I don't know why.

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 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for a cash reward credit card from Bank of America with the help of their staff XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX MA XXXX ) in XXXX, XXXX. When I applied this card, the staff told me I can get {$200.00} cash rewards bonus after making at least {$500.00} in purchases in the first 90 days of account opening. One of my friend who recommended this card to me also told me I can get the cash rewards. And that's the reason why I applied for this card. 

However, after three months and I have spent more than XXXX dollars by this card, I still didn't get the cash rewards. And today I went to the bank counter to ask why I didn't get it, they admitted that I didn't make any mistakes and they don't know what happened and said they will help me to call the head office to applied the cash rewards for me. But when I got back home, I received their email said I can not get the cash rewards because the offer only for online applications. 

This reason is totally unacceptable because : First, there are a lot of advertisements which says sentences like " apply credit card now and get XXXX dollars, just talk with our staff '', some of them are even in XXXX. Second, my friends who applied this card earlier or in the same time with me with the help of other staffs in XXXX XXXX Bank of America have all got the cash rewards, they can be proofs to me. Third, when I applied this card, no one told me I should applied it online. And actually, I have confirmed to staffs in Bank of America for 5 times from XXXX to XXXX to make sure whether I can get the cash rewards, and each time I got the answer is " Yes, no problem, just wait, be patient! ". The reason why I confirmed so many times is that I found all my friends whether they applied this card earlier or later than me, and even spent less money by this card than me, they all got the cash rewards except me. But until today they told me I can not get the cash rewards because of a ridiculous reason. 

All in all, I think Bank of America should be responsible for what happened to me and must compensate me for the loss ( 200 cash rewards ). What they did is totally commercial fraud and is terribly unfair to me. I am deeply disappointed by what they have done.

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 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am the victim of identity theft. My TD Bank ATM/Debit card was stolen and used for unauthorized transactions on XX/XX/XXXX. I did not authorize any debit or ATM transactions on this date, and I did not authorize anyone else to use my ATM/Debit card in any way. This was a new ATM/Debit card that never arrived to my address. 

I wrote a letter as a follow up to my initial call to TD Bank Customer Service on XX/XX/XXXX, where I reported the card as stolen and disputed the unauthorized transactions over the phone within 48 hours of those transactions. 

I also placed follow up calls to TD Bank Customer Service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check on the investigation and inquire about the provisional credit, which pursuant to the Electronic Fund Transfer Act should have been credited to my account within 10 business days of my oral notice on XX/XX/XXXX, and is still yet to be credited. 

Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I requested that they investigate any unauthorized transactions involving this card, including but not limited to the following : XX/XX/XXXX DEBIT CARD XXXX DDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$10.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$640.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX STORE XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX {$750.00} TD Bank is in violation of the Electronic Fund Transfer Act which requires the provisional credit post to my account within 10 business days of my dispute. 

TD Bank requested that I file a police report, I did so on XX/XX/XXXX and also filed an Identity Theft report with the FTC. TD Bank is denying my dispute based on the debit card being activated by someone with the last 4 digits of my social security number. However, I never received the debit card, I never authorized anyone to use the debit card, I never activated the debit card. I followed all of TD Bank 's guidelines and suggestions for reporting the unauthorized use of my account, and also followed all FTC, EFTA, and police guidelines for reporting the fraudulent use of my account and identity theft. 

Pursuant to the EFTA, I am appealing for TD Bank to restore funds totaling {$2400.00} that have been withdrawn from my account, to notify me in writing of the results of their investigation, and to please send me written confirmation that the funds have been restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The company made a payment to my account without my authorization. On XX/XX/16 a payment was posted on my account i didn't authorize for {$200.00}.

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 2018-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP
State: ID

Complaint narrative:
My loan was disbursed on XX/XX/2018 by XXXX XXXX/Security Finance XXXX XXXX, ID and I was deployed on XX/XX/2018 to the XXXX XXXX. I contacted the company by phone and spoke to XXXX who gave me an email address to send in a request for SCRA benefits under Federal law guidelines. I was told someone would get back to me the same day, no one called me. Under the SCRA my interest rates are to be reduced to 6 %. I contacted the company in the beginning of XXXX and was told they would call me back the same day or the next day. I still have not heard back from the company about a new payment plan or reduction in interest. I feel the company is ignoring me in hopes I would drop the issue and continue to pay them the inflated interest rate.

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 2018-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I guess my problem is easy enough to fix but I don't know how to or who to call. I applied for credit at an online store and I'm sure I would have gotten it but they were informed that I had placed a credit freeze on my file. I never have!!! It says that it's Equifax credit that told them that. Can you contact them after you see it's not frozen? It's from XXXX XXXX, Phone number is XXXX and my order number is XXXX. Some things I ordered are for XXXX gifts so I'd appreciate it if you can call them to get my order started. Thanks!

Company response to consumer: Closed with explanation