vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
I have been trying to get my {$750.00} back from XXXX Bank since they lost it last XX/XX/2020. I file a complaint with CFBP after spending months on my own trying to get it back. 2 months after XXXX got involved they found my money and submitted a letter to this bureau and to me dated XX/XX/2020 stating that my money was recovered and a check for {$750.00} would be issued to me and sent to my home by way of XXXX within 10 days. Once again as of today XXXX I have received nothing. I call XXXX Bank I believe on XXXX to find out what happen to the check that was to be sent to me back in XXXX. Here we go again. No one knows where that check went to like before it just vanished into thin air. after nearly XXXX hours on the phone with XXXX different people that would not give there names or telephone ext. I got promise that I would hear back from them within XXXX hours. That was XXXX weeks ago and I still have heard nothing. I am completely lost all patients with that Bank. I want to sue them put them on the news and I believe they should be treated like a criminal that steals money gets caught and still doesn't return the money to its owner. If I wouldn't give them their {$750.00} Payment 10 months ago I would be living on XXXX XXXX with bad credit and no where to go. Please help and advise me on what to do next. 
My old claim number with CFPB XXXX I have all the paper work proving everything I have said is true. 
Thank You XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
I had late payment reported for my XXXX  XXXX credicard in XX/XX/2020 which i wasn't using since XXXX or XXXX XXXX but still there was around {$2.00} due and made payment since i didn't want my credit to be affected due to this very small unrecognized charges and later i have disputed this transaction with credit card company. Same thing happened with XXXX  XXXX card that i used to have in year XXXX and then i ended up closing the account due to the similar issue. even though i am not using XXXX  XXXX credit card since XXXX  2020, it again had fraudulent charges after XXXX for XXXX purchases which i disputed again and again i ended up paying for these fraudulent charges to XXXX with different credit card to restart my XXXX XXXX XXXX since XXXX have locked my account due to non payment for these fraudulent charges after i disputed transaction with XXXX XXXX. this time again i paid for 3 transaction which we didn't recognize to XXXX and on top it hurt my credit so badly. 
if you see my entire credit history, i have 3-4 late payment as negative entry on my history and all of them are with XXXX  XXXX. so somehow i feel my identity or something is leaked and hacked through XXXX  XXXX which have affected my credit badly multiple times. 
and last two time in year 2020 i was promised by XXXX  XXXX representative that they will provide all necessary information to credit beuros to remove late payment information from my credit. but they didn't even do that job appropriately for proofi am attaching the {$2.00} payment that i made in XXXX for the due payment reported to Credit beuro in month of XX/XX/2020. 
my question to you, why would someone not bother to pay only {$2.00} which is reported as late payment when that someone have great history of paying bigger amount XXXX home mortgage, car loans, other credit cards, kids tution fees ) without missing any payments.

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 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc.
State: MT

Complaint narrative:
I was mailed an automatic payment option to sign and return of an agreed upon amount. I signed and returned the paperwork. Two payments were taken out of my account and then the money stopped being withdrawn. No one followed up or notified me about the missed payments. I found out that the money wasn't being paid because my credit score dropped 100 points. From XXXX to XXXX. I was struggling to communicate with the collector previously as I was working to find a payment plan that would work to pay off the XXXX $ medical bills that I accrued from routine care at the XXXX. The debt got sent to collections in the first place because I was told I received 100 % financial assistance from XXXX XXXX, but later I found out that XXXX XXXX, XXXX isn't covered under that, which is where my XXXX XXXX XXXX were taken to be examined due to XXXX ( a common XXXX ) that effects women. 

I had Several recorded conversations with XXXX XXXX in Billings EXT XXXX ( XXXX ) where I begged him to put me through to his supervisor to try and find a solution that could be established to resolve my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX, I accidentally, thru my personal bank, XXXX website, submitted XXXX mortgage payments in the amount of {$2500.00} each payment toward my XXXX payment to Home Point Financial. These payments were submitted on XX/XX/XXXX and XX/XX/XXXX. 
Upon realizing this error, I contacted Home Point Financial. We both agreed that there was an overpayment, and agreed on a refund. We agreed that out of the {$2500.00} that {$1300.00} would go toward an escrow shortage, and the remaining {$1100.00} would be put toward my XX/XX/XXXX payment. I have a letter from XXXX XXXX which shows this agreement. 
On XX/XX/XXXX, I submitted a payment of {$1400.00} to go along with the {$1100.00} that XXXX XXXX agreed to move toward my XXXX payment, which would have kept me up to date on my monthly payments. 
As of XXXX on XX/XX/XXXX XXXX XXXX has not moved the funds as they agreed to do. They are considering the {$11000.00} a partial payment and are not applying it to my XXXX XXXX payment. They have not yet moved my extra payment out of Principal toward my escrow shortage or my XXXX payment as they had offered and agreed to do. This is now causing a showing of a delinquency on my part. 
I am in the process of trying to refinance my mortgage through a private lender, and now my most recent mortgage statement is showing a late payment. 
I have reached out to XXXX XXXX a total of XXXX times to resolve this issue and it is still not complete. 
at XXXX on XX/XX/XXXX I made a payment in the amount of {$2600.00} from my checking account to XXXX XXXX just to not end up having a 30 day late payment against myself. I was given a confirmation number of XXXX from the representative over the phone. I asked for an email confirmation and she was told she was unable to provide that to me. 
XXXX XXXX as of this email has an extra payment of {$2500.00} plus a partial payment of {$1400.00}, along with the payment I made tonight in the amount of {$2600.00}. 
It has been over 30 days and XXXX XXXX has made no attempt to resolve this in a fair amount of time. 
They have had actually more money than needed and yet still causing a delinquency to show on my end!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TX

Complaint narrative:
This collection account XXXX XXXX is not mine. This account does not 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
This collection account BLAKELY WITT & ASSOC is not mine. This account does not 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: TX

Complaint narrative:
They are auto dialing and leaving no message. I called the number back and they were wanting me confirm who I was before they would tell me anything. Looking for address, XXXX, Social Security first of all I will not give out this info without knowing who and why. After calling the number I found out it was XXXX and as today I have not received any letters in the email in regards to why they would be calling. Sounds fishy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/202, I submitted a dispute to all three credit bureaus. It has been beyond 45 days and i still have not received any results back.I am being taken advantage of. According to FCRA, it must be removed if it was not verified within 30 days. Please abide by the law and remove those accounts 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 2021-02-26 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: T.S. Holdings
State: TX

Complaint narrative:
This collection account XXXX XXXX XXXX is not mine. This account does not 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company claims they have my second XXXX debt, however, the amount they are trying to collect is way off. I only purchased a {$400.00} phone and my last statement balance, prior to it being sent to collections, was {$520.00}. 

They make unreasonable, predatory offers and are unwilling to settle for {$300.00} amid covid. I think it is a generous offer considering they purchased the debt for pennies - if they legitimately own the debt. 

Please help me remove these XXXX leaches ( my second complaint ) off of my credit report. They placed a derogatory mark, it is hard for me to rent an apartment or do anything for that matter. I had some tough times and had to use my credit cards, unfortunately. These entities are horrible to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. Suddenly They limited my account and asked me to submit documents. In time, I have submitted the documents I never disobey their policies and always done my business 100 % legally, correctly and responsibly. After submitted and reviewed They emailed me saying my account restored, But that's not. 
I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days, but I just remembered I could file a report on here as I feel they are not doing their job properly, and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is a formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you as no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

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 2021-02-26 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: PA

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over XXXX days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act XXXX XXXX A ( XXXX XXXX. XXXX ) it clearly states a failure to investigate these items within XXXX days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the Equifax data breach and could have fallen into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: MD

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MD

Complaint narrative:
I am a disabled veteran with 100 % disability rating. Because of this, I was provided a letter stating I was granted property tax exemption from the state of MD. I forwarded that message and letter to Guaranteed Rate and asked for an escrow analysis. I was told it would take about 4 days. Since then a tax payment has been made to XXXX/XXXX  XXXX County tax assessor, which was subsequently returned, due to my tax exempt status. 

That was two weeks ago. Ive talked to numerous customer service agents and almost as many supervisors. These folks have stated its almost complete, check back in two days, and the supervisors computers arent working today. On Tuesday I spoke with a gentleman, that stated he could see everything in the system, recalculated our mortgage t and our escrow refund. He said he was going to send us an email to wrap it all up and get us a tracking number on the check through XXXX. That email never came. I called back again and talked with a lady that was not as helpful. She stated there was nothing in the system indicating we were tax exempt, that an analysis had not been completed, and that even when it was, the payment wouldnt change for two more months. My wife and I waited almost 2 days before calling back again, and were told we would receive a call back after it was " looked into '' by senior management, and again, nothing. 

I have asked numerous questions to which I would get a different answer each time. 

When I have asked to speak to a senior manager since I had gotten so many different stories from different supervisors many of the customer service agents would say they weren't at liberty to disclose that but could submit my info to have a member of management call me back. I said yes. Again, no call came.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I double paid by accident my minimum payment in XXXX. I thought my minimum payment would be applied the next month. I was incorrect plus they charged me a {$29.00} late fee. I was willing to not be refunded the double payment but not the late fee as I don't have a habit of paying late. 

I talked to rep and who they said was a supervisor who was unwilling to refund me the late fee.

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 2021-02-26 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: Army and Air Force Exchange Service
State: TX

Complaint narrative:
My old AAFES military star account was closed in late XXXXearly XXXX. It recently was updated on my credit reports saying it closed in XXXX and that I had late payments in XXXX and XXXX. 

I could not have had any late payments those years as the account was closed many years ago. I want this error corrected on my report and the account years and payment dates updated with accurate dates reflecting closure in 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 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: CO

Complaint narrative:
The Moore Law Group is has attempted to mislead, deceive and scare me with threatening collection letters. They have been previously sued for this abusive practice in XXXX vs The Moore law group XXXX : XXXX XXXX. I plan to do the same if I am sent anymore harassing letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This is a formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you as no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AR

Complaint narrative:
Western union needs to loacte 3 speed pay items from 2014 XXXX XXXX  dated XXXX gor {$770.00} and XX/XX/2014 for {$770.00} and XX/XX/2014 for XXXX i need the ( MTCN ) I AM TRYING TO FILE CLAIM

Company response to consumer: Closed with explanation