vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I received a letter from NewRez saying that they were placing Lender bought insurance against my property for lack of insurance between XX/XX/XXXX - XX/XX/XXXX. However, on XX/XX/XXXX, I had faxed over copies of flood insurance and hazard insurance. ( Fax Confirmation attached ). I again sent them copies on XX/XX/XXXX, Fax confirmation attached. On XX/XX/XXXX I called NewRez customer service and was told that they had copies of my required insurance documents and they would send the information over to the insurance department to get the lender placed insurance cancelled. On XX/XX/XXXX, my escrow account was billed for the lender placed insurance in the amount of XXXX. On XX/XX/XXXX, I contacted Newrez again and they stated that they would send the information over to the insurance department to get my escrow account refunded. THey also stated that I would receive a letter of cancellation. On XX/XX/XXXX I received a letter from NewRez Compliance department that no disbursement was made, therefor I was not entitled to a refund. They also stated in the letter that all insurance documents had been received in XX/XX/XXXX and that the lender placed insurance had been cancelled. I contacted NewRez again through their customer portal stating that my escrow account had been billed. Again I received another letter from their compliance department on XX/XX/XXXX stating that no disbursement had been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: NY

Complaint narrative:
On XX/XX/2020 I sent a letters to all 3 bureaus about my credit report which shows a lot things that are inaccurate. It has been over 90 days and I have not received a response back. 
1. Is this normal for all 3 bureaus to avoid the law that clearly states they have 30 days to investigate and inform me of findings? 
2.Since it has been over 90 days shouldn't these things be removed because the bureaus have violated federal laws?

3. As a XXXX taking care of patients with the coronavirus day in and day out for over 12 hours, this is the last thing that I should have to fight as a US citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received an email offer from Bank of America that stated if I opened a Bank of America Business checking account deposited {$20000.00}, maintained that amount for 75 days plus make 5 electronic bill pay, debit card purchases etc I'd receive a {$500.00} bonus. I opened the account on XX/XX/2020 and funded it that day with {$21000.00}. 30 days after I opened the account I got a letter from Bank of America saying I was enrolled in the bonus and will get it. I have satisfied all the requirements to get the bonus, but have not received it. I've gone to 3 different branches and called several times trying to get the bonus I have earned. Bank of America claims they are looking into it, but I never get a reply phone call etc. The terms in their offer stated 75 days it has now been over 120 days with no bonus paid to 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 monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: COMMERCE BANK
State: MO

Complaint narrative:
Commerce Bank sent me a 1099c cancelling debt I DO NOT OWE as my account was compromised years ago and charged off at said time due to fraud someone stole my debit card and used it! I refuse and will defend it vigourusly and am not claiming this on my tax return in that it did NOT occur in 2020 but years before. Shame on Commerce Bank DO NOT use them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Credit Karma, LLC
State: CA

Complaint narrative:
Ive been trying to look into my credit score but for some reason it keeps saying my credit score isnt found with the credit bureau. Is there a reason why my score cant be seen on any website?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2021-01-20 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: FL

Complaint narrative:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 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 2021-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Roseberry Inc.
State: AL

Complaint narrative:
I Borrow {$500.00} Paid Off Then {$2100.00} Which Was12 Payments For {$120.00} So XXXX XXXX XXXXAnd The Other On White Truck Come Over And Went From {$470.00} Too {$650.00} And Said XXXX XXXX Might Could Buy It My Neighbors And I Don't Hang Around Them Then They Left

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My car loan was from XXXX with Capital One. I paid off my car loan in XXXX. However I must have not paid off the full amount ( I have never been provided with proof that they sent out letters to inform me the payoff amount was wrong ). If I had been sent a bill, I would have paid it off. My car was never repossessed. The car was totaled in XX/XX/XXXX. The insurance company, XXXX, informed me Capital One was claiming I owed money from XXXX. I contacted them in XX/XX/XXXX but was denied any verification that they sent out a request for payment. The representative said they do not keep records that far back. The amount was for XXXX and XXXX paid that amount on XX/XX/XXXX. I was told by the department supervisor as soon as the payment was made they would release the title. I feel I should not have to make a payment for an bill they can not produce but did not want to tie the insurance company trying to deal with another company. I called today, XX/XX/XXXX to see where the title was. I was then told that they do not keep records for longer than seven years and no longer have the title. I asked to speak to a supervisor and sent over to the presidents office for capital one. I spoke with XXXX ID # XXXX and she then lied to me and said the title was mailed to me in Arizona in XX/XX/XXXX. I did not live in AZ and they should not have an address for AZ and why did the supervisor tell me they could not send out the title in XX/XX/XXXX until the payment was made. XXXX then said she would research and try to get to the bottom of the account. I need the title. Capital One should not take money from an insurance claim on a loan that is almost XXXX years old. They also can not provide documentation on what the payment is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. I recently found out about this from the FTC site. 

I visited the Equifax site that is dealing with the breach and inserted my information to see if I was affected in the breach. 

Based on the information I provided, their records indicated that my personal information was impacted by the incident. 

The settlement includes up to {$420.00} XXXX to help people affected by the data breach. 

Knowing this, as a affected consumer, I mailed in an affidavit with an demanding compensation of {$20000.00} for actual damages sustained by me as a result of Equifax willful negligent noncompliance pursuant to 15 USC 1681 ( o ) ( a ). 

They have not responded to dispute any facts in my affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I have tried numerous times to pay by bill in full. They are Predatory lenders involves unfair interest rates and fees and often targets consumers with bad credit or low incomes who may have fewer options when borrowing money. This company targeted me as I am a XXXX veteran and had less than perfect credit. I have called and so has my wife trying to pay the account. I only borrowed XXXX dollars and want over XXXX back from me. I was a Virginia resident and there is a lawsuit against them from Attoney General XXXX for predatory lending to Virginia residents. The cap is supposed to be 12 % to Virginia residents. The first time I and my wife called they stated they were uncomfortable to talk to me or give there name for my records and I said what did I do that you felt uncomfortable talking to me. I felt discriminated against and I told them so. I have multiple emails offering me to pay my account or offering a settlement but they refuse to work me. I recorded phone calls of how they treated me and wife which they were notified of being recorded. They are rude and use abusive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This complain is about CITIBANK, N.A.Regardin : BEST BUY Radius Reference Number:XXXX Balance:XXXX I paid in XX/XX/2019 the amount of XXXX and that keeps affecting me every time I try to get something for credit so after I pay they send me this letter..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Equifax report and saw that I had duplicate inquires that I did not authorize. I tried to resolve with the credit bureau but they would not help me take care of the negative inquiries reporting on my credit report. Below are the inquiries as follows with dates. 

XXXX XXXX XXXX inquiry date XX/XX/19 XXXX XXXX inquiry dates XX/XX/19, XX/XX/19, XX/XX/19, XXXX XXXX date XX/XX/19 XXXX XXXX XXXX dates XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX of XXXX for the amount of {$410.00}. They had lack of information and provided me with no contact information at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Upon receipt of the annual escrow account disclosure statement dated XX/XX/2020, I called Customer Service as the escrow amount was calculated incorrectly. The amount paid for property taxes for 2020 was {$1400.00}, but their calculation was based on anticipated county tax amount of {$3600.00}. 

Based on this, the monthly escrow amount will go down, not increase from {$380.00} to {$440.00}. I have contacted Customer Service on three occasions, and through the Amerisave website secure messaging twice to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
We have been cleared to close since late XXXX but the mortgage and title company have been unable to arrange a closing, many closings have been scheduled only to be cancelled either at the last minute or after we have been waiting for the people to arrive or even 6 hours after the scheduled closing making no sense ... we are now going to have to incur additional fees from Wells Fargo to update our appraisal and the like even though we have agreed to at least 8-10 closing dates which they have failed to show up for - and we are upset about the title company incurring any more fees - we have even had title attorneys calling us yelling at us for the closing getting cancelled because the title company did not communicate with them ... and on top of that we have had to allow more credit reports to be pulled lowering our credit since the prior ones expired given how long the closing was taking.

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 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Per last report to Equifax on XX/XX/XXXX XXXX XXXX opened XXXX XXXX. 
Per Equifax report last payment made on XX/XX/XXXX. 
Per Equifax report shows balance of {$2500.00}. 

I have continuously been disputing XXXX XXXX opened XXXX XXXX however, have not received original contract with my signature. I need to obtain verification from XXXX XXXX verifying the debt belongs to be with proof of contact. 

*On XX/XX/XXXX XXXX XXXX telephone service was open in my name that was approved by me and I had no issues obtaining services. 

Thank you for your prompt response. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
Refi my mortgage with a cash out in XX/XX/2020 to pay off a loan that was assessed through my county taxes, which should have reduced my county property tax bill from {$6500.00} to {$4300.00}. XXXX/TMS ( The Money Source ) would not adjust my escrow since they could not verify my information as fact. Fast forward to XX/XX/2020, TMS did not pay my tax bill when it was first available. They claim even though they were collecting escrow to pay my insurance, my account was not set up for escrow to pay my county taxes and therefor my taxes were paid late. Thankfully they paid the penalty. However the XXXX they now issued is showing that over {$8700.00} was issued to the county, essentially paying my tax bill twice and now claiming that I owe them money due to a shortage in my escrow account when in reality they need to recover funds back from the county, issue a credit/refund, and correct my escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
It is believe that a group of individuals would like to implicate me in a financial crime for which I'm a totally and completely innocent of. As I take steps to try and protect and insulate myself for fraud by attempting to close none operating / obsolete accounts, I'm having a hard time closing PayPal Business acct ending in XXXX. After 3 conversation each lasting more than an hour I still don't know is the account off or not which has been my request since before I spoke to XXXX XXXX XXXX office in XX/XX/2020 regarding weird activity. Either because the account was setup incorrectly regarding my name or the name was changed, I can not get past verification. Also I find out thru the automated system after speaking to customer ( XXXX ) service for over a hour to gain access that there is a primary and a SECONDARY card that I knew nothing about. This entire situation is frustrating and I need account close. I only used it twice last year and ordered it at the request of broker and I have been trying to close it ever since.

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 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RECOVERY - Calling my cell multiple times every day. I have been at work each time, I can not turn my cell phone off as I use this phone for work. 
I have repeatedly told them to stop calling. They sent letters threatening law suits to me AND continued to call. I changed my phone number and now they have it again and have started to harass me once more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
In late XX/XX/2020. The local XXXX dealership requested 3 independent hard pull credit reports under 3 separate corporate names 1 ) XXXX XXXX  XXXX XXXX 2 ) XXXX ( parent company ) 3 ) BMW Financial Services in a 24 hour timeframe. These requests caused my credit score to significantly decrease. ( Almost 50points decrease ). BMW Financial Stated dealership should not have requested hard pull credit reports. I would like my information corrected and credit score restored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9400.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not 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 explanation