vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ProCollect, Inc.
State: MI

Complaint narrative:
Dates I left the apartments - XXXX XXXX XXXX XXXX XXXX - end of XX/XX/2017. There was nothing wrong with the apartment as I had everything fixed immediately. They got their keys and I thought I was getting my deposit back. 

Amounts They are saying I owe {$2300.00} in fees. I dispute every last {$1.00} as the apartment was flawless when we left. 

Actions I wrote them a letter when I received their letter stating I owe the $ $ that I do not owe them anything and I never heard a response and they have continued to report on my credit reports. I recently disputed it and it was removed from XXXX and XXXX  but then recently added back on. I tried to get a credit lawyer and they have not been able to help. I feel financially abused and it is causing me stress.

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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am trying to refinance my Wells fargo home mortgage with another lender. Wells Fargo can not meet the new interest rate, so they are actively trying to stop my refi. I have a credit rating of XXXX, and many accounts with Wells fargo. 

The have delayed the subordination request by 6 weeks. They claim their office is overworked. This has cost a very expensive rate lock to expire. 

They are currently delaying the payoff amount needed to close the refinance by 2-3 weeks so far. 

They are bleeding mortgage customers due to their uncompetitive rates, and this is their attempt to hold on to customers. 

I have phoned and emailed multiple times to try to get them to do their job.

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America approved my credit card application online with a hard inquiry on my credit. After letting me spend for a few days, they blocked my card and online login. They want me to visit the branch. I can't go to a branch because I have now traveled outside the country and can't enter the US due to COVID restrictions in the country I am at. Now, I just want to pay the card balance so there is no interest or missing payment. However, the bank won't provide any information over phone or online even after I provided all my information to verify my account over phone. They can provide my balance and due date only if I visit the branch with physical IDs.

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 2020-10-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, I disputed fraudulent charges on my account online and called Citi to ensure they would be resolved. I was assured they would be taken care of but only some of the fraudulent charges were resolved, not all. This has caused my +800 credit score to drop 72 points. I have called 5 times and wasted hours trying to get a resolution to the remaining charges but nobody has been competent enough to tell me what is happening. I am now at the point of being forced to contact a lawyer for a miniscule {$18.00} balance on my account.

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/XXXX, I received an email from Citi Advantage stating that I missed my payment due date. Surprised, I logged into my account to submit a payment than same instant. This account has never been late, and I was surprised my autopay was removed. Since then, I have received daily emails stating " You missed your payment date ''. I have a payment confirmation email from Citi and my bank, but I'm still receiving these emails that I find to be harassing.

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 2020-10-22 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Every time I file a complaint against Equifax to complain about the constant mishandling of my file and the rude and discriminatory treatment I receive from its employess Equifax restricts my access to be able to view or dispute inaccurate information in my credit file. 

They continue to take my rights away to view my credit information. I have to sit on very long hold times and have to be dealt with in a very disrespectful and rude manner. Equifax send a generic response to call a certain number but I never receive the level of service I deserve as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED A RECENT REPORT OF MY CREDIT AND FOUND SOME INNACURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT.WITHOUT MY KNOWLEDGE. THESE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND THEY ARE CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. IT HAS BECOME VERY STRESSFUL TO ME BECAUSE I SHOULD NOT HAVE TO GO THROUGH THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
I have tried to work with my mortgage company to help save my home. I have provided every proof possible that I am living here and hope to keep it. I have sent them several letters for proof that I am here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NORTHERN HILLS COLLECTIONS INC.
State: MT

Complaint narrative:
XX/XX/2020 at XXXX XXXX MST, XXXX XXXX XXXX ( called several times ) somehow got my number searching for XXXX XXXX ; I told them I haven't seen him for 15 years and he is the son of my ex wife ... we divorced 15 years ago. The agent accused me of lying and I asked them how they even got my number and refused to tell me.

I am being harassed and there us no way they got my phone number legitimately since my current wife and I got this number 13 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I opened this XXXX account in XXXX when I was working full-time and overtime. 
In XXXX, I lost that job and I fell behind in my payments. 
In XXXX when I was able to make payments again to bring my account up to date, I was unable to make an online payment so I reached out to XXXX XXXX. 
When I spoke with the representative, she said she could not take a payment because the account was closed. 
Since XXXX, I did not receive any letters letting me know my account was in foreclosure. I made sure XXXX had my mailing address. 
XX/XX/XXXX Unfortunately, I had to move this year because I lost another job due to the Covid19 Pandemic. My XXXX records are missing so I can not provide much payment or communication information to support this dispute. 

Please help me. It is very important that this foreclosure dispute with XXXX gets resolved as soon as possible.

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 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
I was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID to prove my identity.

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 2020-10-22 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: GA

Complaint narrative:
I disputed several inaccuracies on my credit reports for Equifax, XXXX and XXXX  and have not heard back from them in over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
People 's United Bank holds my savings account. Since opening the account they have consistently withdrawn excessive transaction fees for being over 6 withdrawals. Upon further research I found that the Federal Regulation D that mandates how many transactions can be performed monthly had been lifted in XXXX of 2020. Thus, the regulation that these charges are based on is obsolete therefore making this fraudulent charges. I requested that the total of these fees, in the amount of {$430.00} be returned t my account. I was hung up on 2 times by corporate and was finally able to speak to someone in my local branch who informed me that per Regulation D these charges were valid. Again, I stated that regulation D was lifted in XXXX and although they have the right to collect the fee they can not base it on the regulation alone as it no longer is valid. I informed her that if the money that was taken from my account was not returned I would lodge a complaint. She said she understood.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I have my student loans currently with FedLoans. I am trying to qualify for Public Student Loan Forgiveness.

I initially had my loans with XXXX ( XX/XX/XXXX - XX/XX/XXXX ) which all have counted towards forgiveness except for my payment on XX/XX/XXXX. 

I then transferred them to FEDLOAD in XX/XX/XXXX. 

I made my payment on XX/XX/XXXX as shown in my bank records I uploaded ( see page 2 on both documents, payment to XXXX  ). 

I looks like when these were transferred, my credit for the month it happened was not given credit but I clearly made my payment. 

I tried to have FedLoan fix this but they have never done this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: IN

Complaint narrative:
Complaint on Veterans United Mortgage for handling of escrow account. We purchased home in XXXX, the prior owner had home for only 5 months, they were an LLC with no property exemptions. We have mortgage, homestead and XXXX veteran exemption. We have provided all proof to Veterans United and their servicer, the proof was documentation from the county, the readjustment from the county and the phone number and business card for the county auditor to confirm. Instead of correcting our escrow- they did a new analysis and raised it even more based upon the prior owners tax status not ours. I called back again to escalate, and no one followed up, no communication. I called again, and was on phone for over 30 mins- and told they haven't paid my taxes yet. Can't tell me when they will. 
I have tried to correct this since the application process and no one has handled it properly from application, closing and post-closing. 
We want the escrow corrected in the proper manner- our taxes are 1/2 of what they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
For the second month in a row, Bank of America has misapplied my mortgage payment to principal reduction instead of my monthly payment, even though I was using their online system correctly. When I called the customer service line to try to have their mistake corrected, I was placed on hold for 53 minutes before a representative answered my call. While speaking with her, the call was suddenly terminated. A recorded message played : " Due to extenuating circumstances, representatives are not able to take your call at this time. Please try your call again later. We apologize for the inconvenience. '' This is completely unacceptable. In a bank as large and profitable as Bank of America, a customer should be able to make his/her monthly mortgage payment in a straightforward way. In fact, once a loan is originated, the customer is captive to the servicer, and therefore, the loan servicer is obligated to provide the customer an error-free system for making payments. In the rare event an error occurs, the servicer needs to fix the problem with an apology to the customer. Furthermore, any system changes should not be disruptive to the customer. Instead, since Bank of America 's recent mortgage system change, I have experienced hassles and headache, now two months in a row. Bank of America 's system flaws are potentially harming me by making me late on a mortgage even though I have paid ahead. 
Please change my payment from principal reduction back to my monthly payment, as I designated in the online Payment function. Please fix your system issues that are causing these problems.

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 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was checking my credit report and notice fraudulent accounts. I provided 2 forms of ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I sent a dispute letter to all 3 credit bureaus about a charge-off account that in my name. I stated in my letter that a document showing that I signed for the loan amount was accurate. The credit bureaus and navy federal did not produce any documents that verified I owe the amount of XXXX to the navy federal bank. XX/XX/2020 is the date I sent my dispute letters and XX/XX/2020 is when I received my response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: I.C. System, Inc.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX # XXXX. The dates were XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX the dates were XXXX 2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : XXXX XXXX XXXX XXXX has fail to respond to an CFPB complaint about accounts ( AccountS # XXXX ; XXXX ) I'm disputing, for failure to respond under the time frame the law provide these accounts must be removed from my credit file immediately for violation to the FCRA.

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