vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I went to the local carpet store being new to XXXX and wanting to support local business. The dealer XXXX XXXX took the order and said it would take a week to ship the carpet from GA. I said that was ridiculous but okay let 's schedule install date. We did for 2 weeks to allow carpet to be in their store.

They ever ordered the carpet and said it would take a month. I had given them a deposit on my Bank of America Credit Card. I called the mill and they said from GA to XXXX it would be 2 days, that the carpet had not been ordered was not a special order carpet as it was free run wall to wall not a designed cut and bound one which would take a week.

As it had been three weeks, and one can go to any carpet store in America and pick regular stock and it is ready to be installed that week, if not the next day or 2, I said I was cancelling the order that I no longer believed anything the dealer said as I had previously worked in carpet and flooring.

They said fine, but they were due a cancellation fee. I said no, it had never been received and according to the carpet mill never ordered. It was never in stock at the store. They said well they had to pay the Mill a restock fee. 
I patiently explained that was an issue and contract provision between the store dealer and the Mill, it did not include me and I would not pay a restock or cancellation fee. I believed the Mill and the dealer never ordered the carpet.

I called Bank of American, they agreed with me and reversed the charge to the dealer. All was well, until the dealer had his Merchandise Group complain to Bof A. Without telling me they not only reinstated the amount paid but without my permission of knowledge paid the dealer the entire amount for the carpet.

I never signed for it, the carpet was never received. Talked with BofA and they said the Merchandise Group complaint was so strong and they were all BofA customers and I just an individual that they reversed their decision and ordered the entire carpet, though never in stock, never installed as owed and paid the dealer.

My bank of BofA in XXXX with whom we had banked 26 years called them on my behalf and told was a new customer as far as they were concerned and that the Merchandise Group held power and were collectively and individually more capable of bringing BofA funds. 

So, BofA put this on my credit report and it is affecting my ability to get a mortgage. I do not owe this debt, nor should this be in my credit file. 

I cancelled my account with BofA and returned their shredded card to them at the local XXXX XXXX. 

When this sprang up after I applied for a new mortgage I went to the XXXX. Attorney General who suggested that I contact you. 

Please help. 
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 2017-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Northstar Location Services, LLC
State: MA

Complaint narrative:
I am actively working with a credit repair company ; all my debts have been and are currently being regrouped watched and monitored by that company in order to bring the debts down and to make the creditors compliant in both their communication tactics and their reporting accuracies. The company that called me at work today did not go through the proper channel or proceeding ; they sounded recognizably so, very predatory and threatening. I do not want anymore calls from them. They also should go the mailing route first or the email route before targeting phone numbers. 

Call came from XXXX Company Info : XXXX ) XXXX Northstar Location Services , LLC 16 years in business XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I CALLED IN TO EQUIFAX TODAY AT XXXX CENTRAL TIME ABOUT A DISCPUTE I SENT IN XXXX, AND ALSO ABOUT ITEMS LISTED ON XXXX XXXX WEBSITE WAS INCORRECT AND WHERE THAT INFORMATION CAME FROM. THE FIRST REP I SPOKE WITH WAS NAME XXXX IN THE XXXX IN THE DISPUTE DEPARTMENT, TRIED TO EXPLAIN TO HER SHE WAS VERY RUDE AND NASTY. ASKED TO BE TRANSFERED TO US REP, SPOKE TO XXXX ID # XXXX, SHE ADVISED ME I HAD 2 CREDIT REPORTS ONE WITHOUT A SOCIAL, SHE WAS NICE SHE TRANSFERED ME TO XXXX IN NEVADA. SHE TRIED TO ASSTS ME BUT THE LINE DROPPED ON HER END. I CALLED BACK AND SPOKE WITH XXXX ID # XXXX-NEVADA REP. SHE ADVISED THAT SAME THING I HAD 2 REPORTS AND ONE WAS REPORTING A BANKRUPTCY, I ADVISED NO INFORMATION ON THAT NOT ME AND FROM THE CREDIT REPORT THAT WAS SENT BY EQUIFAX TO ME ON XXXX XXXX CONFM # XXXX NO BANKRUPTCY WAS SHOWING ONLY 3 COLLECTIONS THAT I WAS DISPUTING AND 21 FALSE INQUIRES I WAS DISPUTING. SHE PLACED ME ON HOLD FOR 1 HOUR AND 10 MINS CAME BACK TO THE LINE AND ADVISED SHE NEEDS ME TO SEND A COPY OF MY ID AND PROOF. ADVISED HER ON XXXX I SENT A COPY OF MY ID UTILITY AND WATERBILL TO EQUIFAX TO PROVE ME, SO THEY COULD SEND ME MY REPORT. AFTER SENDING THEM THOSE ITEMS EQUIFAX SENT MY REPORT. SO WHY NOW THEY STILL DONT HAVE MY PROOF ON FILE. ADVISED I NEEDED CORP OFFICE INFO SHE REFUSED TO GIVE ME CORP OFFICE INFO OR HER SUPERVISIOR INFORMATION, I ASKED TO SPEAK WITH HE SUPERVISOR WHOM SHE CLAIM WAS HELPING HER SHE REFUSED, SHE TRANSFERED ME OVER TO THE XXXX AND I SPOKE WITH XXXX AND GAVE HER MY INFORMATION PLUS THE CONF # XXXX FROM EQUIFAX 3 TIMES SHE ADVISED SHE COULD N'T PULL IT AND WAS DIFFICULT TO UNDERSTAND HER ASKED HER TO SPEAK TO TRANSFER ME TO US REP, SPOKE WITH XXXX IN NEVADA ID # XXXX HE ADVISED HE CANT SEE ANY OTHER INFORMATION FROM THE PRIOR REP AND ALSO ADVISE THAT THERE IS NO XXXX WITH ID # XXXX IN NEVADA, HE ADVSD TO WRITE THE CORP OFFICE. HE ALSO ADVISE THAT HE DOES N'T SEE MY INFORMATION I SENT IN PRIOR. ADVISE HIM OF THE CREDIT REPORT I RECIEVED ON XXXX. SO EQUIFAX HAS BEEN SENDING ME FALSE INFORMATION AND STILL HAVE N'T SENT ME THE CORRECT CREDIT REPORT OR ANYTHING. I HAVE NO CLUE ABOUT MY CREDIT PROFILE FROM EQUIFAX BECAUSE THEY HAVE 2 OR 3 WITH SOME OF MY INFORMATION AND THIS IS FRAUD. AND THEY HAVE LOST MY PERSONAL INFORMATION THAT I SENT IN THE BEGINNING SO THAT I COULD RECIEVE MY CREDIT REPORT. IM SENDING YOUR THE REPORT EQUIFAX SENT ME, WHILE THE OTHERS REP CLAIM THERE IS MORE FILES ON ME BUT REFUSED TO SEND OR TRY TO FIND OUT WHATS GOIN ON

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I applied for a reverse mortgage for my Mom to stay in her condo and was approved XXXX/XXXX/XXXX. She XXXX XXXX XXXX and although we hoped her to have XXXX and get her back she was never able. During this time they guided me to what they needed and what I needed to do. 

Mom XXXX XXXX XXXX, XXXX. I had a XXXX XXXX XXXX XXXX. I called them in XXXX and found out what was needed. XXXX XXXX, Trust, Letter of Intent, Appraisal & monthly checking in.

I contacted them via fax and/or phone conversation with three different staff on XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the handwritten notes supporting this. I was told a new timeline would begin not based on Mom not returning but on her XXXX which got me to XXXX XXXX. 

XXXX XXXX, XXXX I called for my monthly check in and was told the loan was due XXXX XXXX, XXXX based on Mom not returning. 

I asked for a supervisor and went over all the times and the staff who shared information on the new extension date. Her response was that the staff were either no longer with the company or were in training at the time. She would not work with me at all on their mistake. Mom 's condo was listed in the morning on XXXX XXXX, XXXX. 

The supervisor told me unless I paid the loan by XXXX XXXX they would no longer manage the loan and it would go to a foreclosure lawyer to accept the process to begin a foreclosure. The condo sold and we closed XXXX XXXX and I ended up paying {$3300.00} to the lawyer and another {$880.00} for I do n't know what as it also was in the amount collected at closing on the XXXX statement under the line of Mortgage Payoff Good Through XXXX/XXXX/XXXX to Ocwen Loan Servicing.

This is not right. For the servicing company to advise me of an extension that was not honored and I am out {$3300.00} to the lawyer and another {$880.00}. 

Respectfully asking for that money to be returned to me. 

Thank you I have all the notes to include dates, names, phone numbers and conversations I had regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
The Bureau shall seek to implement and, where applicable, enforce Federal consumer financial law consistently for the purpose of ensuring that all consumers have access to markets for consumer financial products and services and that markets for consumer financial products and services are fair, transparent, and competitive in agreement with 12 USC 5511 ( a ). In addittion, a timely regulator response to consumers in 12 USC 5534 ( a ). Please see attached for Professional Debt Mediation XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: CA

Complaint narrative:
There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.

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 2017-12-01 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: CA

Complaint narrative:
There are several issues regarding the reporting on my credit file on all three of the Bureaus reports. These misreported items have made it impossible for my XXXX XXXX to get a loan to purchase a new building which we are in desperate need of. XXXX has also re-reported old information which affected my score in a very negative way and then it took months to have it removed after I had already paid an attorney to help me remove it the first time. I have no outstanding debt and always pay everything on time yet my credit score is below XXXX. 

In in XXXX of XXXX a charge-off from XXXX XXXX XXXX was reported. It shows as a derogatory mark, this is misreported. In fact The debt to my second mortgage was forgiven and I have documentation to prove that ( see attached ) In XXXX of XXXX a closed Mortgage account was reported. It states that the account was 120 past due. The account was closed with a XXXX balance because the home was sold, however the manner in which it was reported shows it as derogatory. The home was sold in a short sale and I have documentation that shows that I made all of my payments on time as directed by the bank, some payments were stopped during the sale. 

On XXXX XXXX I received an alert from XXXX that there was a change to my credit report. 
To my horror I saw that they had reported an old tax lien and it was back on my credit report. I had actually paid off the IRS and paid a lawyer to help me remove this item from my report it was removed successfully so when I saw that XXXX had put it back on I immediately contacted XXXX. I was not able to get anyone on the phone and disputed the error via the internet.

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 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
The eye of Hurricane Harvey came through here on XXXX XXXX. U.S. Bank holds my mortgage and now also the insurance claim monies awarded by XXXX XXXX XXXX XXXX. U.S. Bank is refusing to release the money so I may continue restoring my house. At their instruction I have submitted endless piles of paper, including reconstruction contracts and even cancelled checks. Their intentions clearly are not honorable. Their representatives on the telephone refuse to disclose their names or transfer my call to a more knowledgeable person. This has now gone on for over three months and we are financially desperate. Matters are at a total impasse. In my opinion this continuing refusal to release funds constitutes theft. Twice I have been promised money if I will just take specified steps. Both times I complied, only to have more indefinite delay placed in my path. The creditability of U.S. Bank is at zero.

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 2017-12-01 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: CA

Complaint narrative:
Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} XXXX XXXX XXXX XXXX o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt

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 2017-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
Last month I spoke to a representative from the ( Speedy Cash ) company and was told that I missed a payment and that it needed to be paid and so not only did I do that I also explain to the representative that I wanted to opt for automatic payments so she set everything up for me the call was pleasant and we hung up, not once in that conversation was I told about any behind payments nor was I informed about my car being on a repo list my car is paid for theres no way I would ever have someone take my car from me for XXXX XXXX dollars or XXXX XXXX dollars its my only means of transportation for me and my family and as of this morning my car was taking I called the police because I thought it was stolen from me without notice of any kind it was repoed.I spoke to a lady in theyre recovery department to try and resolve the issues and she tells me that all these fees need to be paid before retrieving my car and this is where the problem lies, I am willing to pay obviously what I owe but I dont feel that I should be responsible to pay other fees that are associated with theyre laws if I didnt know the status of my car theyre saying they attempted three times by mail I dont have one correspondence from them out of three attempts I at least should have gotten one of  them an or a email or something and I didnt the last email I got was from a successful payment on XXXX/XXXX/2017 they could of called me anything but nothing. No one ever reached out to retrieve the initial payments because I could have resolved it and I feel like this is and attempted to get monies from people without purpose but I just dont have it to give please help me out. Sincerely Angry Consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I ordered some clothing on-line from XXXX 's on my XXXX 's card. The clothing came and was not as described, returned some by mail, and took the rest to the store at XXXX XXXX, XXXX FL Returned everything I ever purchased from XXXX XXXX. It took a long time for the computer in store to recognize and accept the information the CSM was inputting. She said that some may not show as it was apparently shipped from XXXX XXXX package, and those are shipped to a regional center not directly to the customer. I told her that I had not received anything from the XXXX but that the on-line service advisor said some items only available through them. 

Got the receipts and I and the CSM agreed I owed nothing. I then shredded my credit card and closed my account. The next month I called XXXX 's when receiving a bill for what had been returned or never received. 

They did nothing. Then the following month added penalties, exorbitant finance charges. Again I contacted them takes hours as it is through an international auto message center. 

So I wrote them asking them for anything with my signature charging anything. Reminded them that my card was shredded given to their credit dept and the account closed. 

They acknowledged their bank had received my letter. They never complied with the request for proof that I was the person charging something, that all merchandise had been returned that was received. 

They just keep adding usury charges and put this in the credit report as a bad debt and it came up during my application for a mortgage with XXXX XXXX XXXX in SC, and their recommended mortgage rep XXXX XXXX. 

I give up as I owe them nothing have paid all debts I did owe was not late ever, and they refuse to be responsible. This never showed on the XXXX XXXX Report monthly until after XXXX XXXX was so efficient as to send me a copy of reason for mortgage rejection. 

Please help me.

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 2017-12-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, my home sustained water damage. I reported this to the mortgage company, Nationstar Mortgage LLC d/b/a XXXX XXXX NMLS # XXXX, and my homeowners insurance company. I opened a claim with the insurance company. I hired a licensed contractor who repaired the work and I paid the contractor in full out of my pocket. The insurance company and mortgage company were notified the work was completed and were provided documentation verifying the completion of the work and that the contractor was paid in full. The insurance company verified the work had been completed to their ( and my ) satisfaction and that the contractor had been paid. On XXXX XXXX, XXXX, the insurance company issued check for the cost of repair less my deductible and made the check payable to me and the mortgage company. I endorsed the check and sent it to the mortgage company for endorsement. They have unlawfully and without my authorization withheld my reimbursement of funds. They have lied, they have withheld information, they have made unlawful and unreasonable demands of me and my contractor under the guise of what is required to obtain my funds. When I have attempted to comply, they have denied receipt of documents that they received, and they have continuously added additional requirements before they state they are willing to send my funds. I have requested email verification of their procedures and demands. They refuse. I have requested to speak to a supervisor. They have refused. I am retired and depend on my funds for my life expenses. I have been without these funds for two ( 2 ) months without end in sight. They have effectively stolen my money. I am current on any and all financial obligations to them and they have withheld almost {$30000.00} from my savings.

Company response to consumer: Closed with explanation