vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC
State: LA

Complaint narrative:
I tried to pay my mortgage on XX/XX/XXXX. The payment came back NSF. I transferred the small amount I had in savings to my checking account to cover it and called the bank to ask if the payment would reprocess. They told me to call GMFS. GMFS told me that it would NOT reprocess and that I would have to make another payment. I asked several times to make sure it would not be taken out of my account twice. The rep assured me it would not, so I made another payment on XX/XX/XXXX for {$890.00}. When I looked at my account the next day, ANOTHER payment for {$890.00} was taken out titled " Retry payment. '' So the customer service rep lied to me. 

I called immediately after I figured this out and had to wait for a callback. When they called back, the rep told me he put in a request to refund and escalated it to a supervisor. Two weeks later, I still had not received my refund. Meanwhile, I could not pay ANY other bills during this time because GMFS had my money. 

I called again on XX/XX/ and again had to wait hours for a callback. I was told that the request for a refund had been DENIED, but they could not give me a reason why. I asked for a supervisor and waited for her to answer. The supervisor said she would have to check with someone else and would call me back in an hour. She never called back. 

I started messaging GMFS on XXXX because they seemed to be more responsive on that platform. Finally another rep called me and told me they would send a check out in the mail and overnight it. I NEVER RECEIVED THIS CHECK. 

We are now 3 weeks past the date that my mortgage was taken out twice. I have not been able to pay other bills because of this and have been racking up credit cards to buy food and essentials. I have tried contacting them several more times, but they are so hard to get in contact with right now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
UNFAIR & BIASED. almost a 4 yr relationship, have my direct deposit setup, all is good. applied for their personal line of credit with XXXX XXXX, no late payments/collections/anything bad on any of my credit files. Declined after 5 days because of XXXX $ account fees charged to my 3yr past closed checking account ( apparently it took them 3 months to close it after i put in the request & they charged XXXX $ /month for the next 3 months for not maintaining minimum balance ), never received any form of communication regarding that, never even mentioned it when i went in to open another checking account few months later, i have a relationship going on with direct deposit setup, even received some pre approved offers. so, i disputed it, took them 7 days to remove it, i called in and asked for review since the initial reason for denial was  no longer valid, after 5 days i received a call saying they can approve it but - 1. i have to provide 47 paystubs from 3 different employers, ( like for a mortgage ) 2. pay off my XXXX ( 8 APR ) XXXX  loan. its like they found no reason to deny thus making it impossible to comply. under fair conditions no lender would ask to pay off a XXXX - 8.0 APR loan & 47 paystubs to approve XXXX - 11.5 % APR loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
On XX/XX/2020 I received an email from my student loan servicer, Navient, titled " Coronavirus Update ''. It directed me to a COVID19 Information page on Navient 's website which stated that, " as part of the new Federal legislation passed on Friday, XX/XX/2020, we have suspended payments and interest accrual on all U.S. Department of Education owned loans until XX/XX/2020. Navient has sent notification in writing to all eligible borrowers. You can always check your loan status by logging into your account. '' Today, XX/XX/2020, I logged into my account to check the status of my loans. They are still in repayment and accruing interest. 
In fact, on XX/XX/2020, they sent me an email, reminding me to make my XXXX loan payment, which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Received a letter on XX/XX/XXXX from Mitchell D. Bluhm & Associates , LLC XXXX original creditor Florida XXXX ) for {$590.00} with a date of service of XX/XX/XXXX. The letter states that my Florida XXXX account was acquired by XXXX XXXX XXXX and placed with the law firm for collection. The balance they're saying I owe is grossly and disgustingly overstated and incorrect. I will be requesting debt validation, however I refuse to pay an inflated amount. I am also skeptical about paying any money to a " law firm '' that has no website and is not XXXX  accredited. This sounds like a debt collection scam to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
Company : Debt collector RMP Services LLP XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Supervisor XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX. Debt from hospital stay XX/XX/XXXX ; amount {$77.00} reported to credit bureau on XX/XX/XXXX. This company had 2 accounts in my name. Settled all accounts for {$160.00} paid in full on XXXX XX/XX/XXXX over the phone with XXXX and XXXX ( I was transferred ) with the understanding the account would be deleted from credit report since paid in full. As of XX/XX/XXXX account is still listed on credit report, currently listed as " closed '' not deleted. Called RMP on XX/XX/XXXX spoke with representative who states XXXX XXXX XXXX XXXX does not usually delete paid accounts in her experience. Directed me to speak with her supervisor. Called XXXX XXXX on XX/XX/XXXX asked if he could remove paid account from credit report as that was understanding at time of payment. He stated he did not have record of my request ; account is listed as closed. I asked if he could delete as account is paid. He said " at this point there's nothing I can do. I suggest you call credit bureau and ask for them to delete since it's only {$77.00} dollars. '' He indicated too much time had passed since I paid off the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I deposited my paycheck for {$3800.00} on XX/XX/XXXX via the Wells Fargo mobile app. {$200.00} was initially approved. I called on Monday the XXXX to find out why the rest of the paycheck was not available and was told it would be available in my account today, the XXXX. 

That did not happen, so I called back today. I escalated through management three times but kept getting told that, because my account is relatively new, they put a hold on my check until XX/XX/XXXX. They kept insisting there is nothing they can do. No one is able to approve the funds. 

I can't afford to live off the {$200.00} they made available. I have bills to pay and four mouths to feed, not to mention we are in the middle of a pandemic. 

There was NO indication they were going to put an 11 day hold on my paycheck when I made the deposit. I would not have made it had I known that was going to happen. This is financial ruin for me and my family during a pandemic when I have XXXX kids and a wife to feed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I have filed a dispute with FOCUS FINANCIAL SERVICES in regards to two incorrect items on my credit report enlisted a bill for {$100.00} and {$500.00}. Send out numerous letters and its even well over 30 days and I hadnt received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have noticed that there are ( 2 ) hard inquiries on my credit report that I did not make or authorize. The company was XXXX XXXX. I believe that was a XXXX XXXX XXXX XXXX XXXX  It was applied for on XX/XX/XXXX and also on XX/XX/XXXX. The address that shows up on the credit report is XXXX, DE XXXX XXXX XXXX XXXX XXXX. At the time of these inquiries I was incarcerated and I did not have access to the internet. I was unable to complete these applications as I was not released until XX/XX/XXXX. I am asking for your assistance with getting these inquiries removed from my credit report. 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 2020-04-21 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JTM Capital Management, LLC
State: IL

Complaint narrative:
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission XXXX FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
My loan servicer paid summer property taxes for someone else 's property in XXXX, XXXX in the amount of {$2900.00}. I began receiving late notices and I called the servicer ( United Wholesale Mortgage ). So then UWM paid the property taxes for my own property in XXXX, XXXX in the amount of {$2400.00}. They charged my escrow account for both real property taxes -- my own property and some other person 's property -- and then they charged me the late fee from the city clerk 's office, even though it was UWM 's own mistake that the taxes were paid late. When UMW did the escrow analysis, they charged me for XXXX summer taxes twice -- literally, they are charging my escrow account {$2400.00} two times in XXXX. My escrow payment doubled. They need to reimburse my account for the {$2900.00} that they paid for someone else 's real property taxes, they need to reimburse me the late fee, and they need to re-do my XXXX escrow analysis with only ONE summer tax. These people are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax requested that I send in verification documents to obtan my credit report. Documents sent in and I'm still unable to get the credit report due to the fraudulent address they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Our mortgage is through Shell Point Mortgage. We have our payments taken bi-weekly. They send a letter every month telling us when the payment will be withdrawn and that they need 24 hours to cancel any payments. In XXXX our mortgage would be drafted three times creating an over payment of {$1300.00}. We called two times to cancel this overpayment before this was pulled from our account on XX/XX/XXXX. They assured us they had cancelled the payment and yet it went through anyways and over drafted our checking account. We have called 6 times and emailed 3 times since then to get the overpayment refunded. Each time we are told that it will be refunded just to call back and be told there is no record of our call ( despite being told that we are on a recorded line. ) Our emails go unanswered and despite being told our concern has been escalated, no action ever occurs to fix the situation. It is now XX/XX/2020 and we still have not received any resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: CITIBANK, N.A.
State: CO

Complaint narrative:
This is a follow-up to complain XXXX. The previous inquiry is attached. I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citibank cobranded Credit Cards associated with the XXXX XXXX AAdvantage program, and any promotions or bonuses that go along with it. I am specifically asking about the relationship with Citibank and myself, not XXXX XXXX or their Aadvantage mileage program. Please provide specific examples of where I violated the terms of the agreements made between Citibank and myself, if any.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo have charged me overdraft fees 25 times since XXXX. I am now over drawn because of the overdraft fees and I believe this is unfair and unjust especially in these trying times. I'm already struggling to make payments and now I have over XXXX $ in overdraft fees. In addition The Wells Fargo customer service phone line is down and the branch are closed so I have no way of contacting the bank to discuss this matter. I'd also like to add that a lot of banks are offering free overdraft, something that Wells Fargo should consider.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In late XXXX, 2020 I purchased a personal computer from Best Buy at which time I was told I could not pay anything for 18 months if I applied for their in house credit card. 
I decided to accept this offer. 
In XXXX I began trying to pay the balance ( {$1200.00} ) in whole as I had the funds In XXXX after several unsuccessful attempts to contact the company and make payment I started receiving mail telling me I had a " late payment fee ''. 
This is deceptive practice initiated by a large corporation. Action against these companies is necessary in maintaining order in our economy and protecting consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app closes my account out for no reason i ended up getting my irs stimulus check through cash app and it wont let me cash out the money that I need Im without a job due to this pandemic and that is all I have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21 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: DISCOVER BANK
State: MI

Complaint narrative:
on XX/XX/2020 i received an email from discover card telling my account is closed due to inactivity.The email shows a credit score of XXXX which is incorrect from XXXX.A XXXX report from XX/XX/2020 shows a credit score well over XXXXI dont know where discover is getting there score from buts its incorrect.

Company response to consumer: Closed with explanation