vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
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 2020-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CT

Complaint narrative:
Guaranteed Rate mortgage company paid my flood insurance early while I was still shopping for insurance. I found a new flood insurance that was significantly lower yearly from XXXX down to XXXX dollars a year. I had my insurance company fax this to their insurance number XXXX. In the meantime the company went up on my monthly payment from XXXX to XXXX a month. I called them and paid this as they stated they could not redo my escrow for XXXX. I also then paid them the XXXX dollars back on the escrow. They redid the escrow and now say I owe XXXX a month. By my math I should be below the XXXX original payment as I have repaid them. They still state they have not received my new insurance front sheet that has been faxed to them twice. I called again this morning and they stated they still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I have been barred from the control to to pay this company for years unless I went to an military installation to pay them. Due to my line of work which keeps me on the road my payment dates have been late XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Constantly going on a military post to make payments is never convenient. I called, mailed and ask them to fix this. This also had made my score go down with my payment history and has caused me to be in a position where I am not able to get a position or the loan I need because of they way it looks with this company payment history. All because they will not allow me to pay by electronic method buy forcing me to go out my way to the military installation to pay my bill when I can do it by online payment.

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 2020-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health  issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
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 2020-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover closed my credit card account following a clear verification error. I was asked to submit a IRS Consent Form 4506-T, and additionally I voluntarily submitted the last three months of bank statements as supplementary materials to aid the verification. At no point was I told what Discover needed to verify. Given that I recently moved address, and that my income level changed this year owing to my wife getting her first job, I believe an error was made in the verification - neither of these pieces of information would have been reflected in my previous tax returns. After phoning Discover I was told that closing my account was a " business decision '' and no further actions could be taken - why can Discover not tell me what the verification issue was and provide me with an opportunity to provide the correct documentation? I have never missed a payment and until this incident had a very favorable opinion of Discover, but I can no longer recommend that others do business with a company that will just arbitrarily close your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, SYNCB/PAYPAL add a hard inquiry on my credit report per 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 non-monetary relief
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: NE

Complaint narrative:
The Franklin Collection Service is trying to collect on a debt that I had from XXXX in the amount of {$450.00} that was settled and paid through another collection agency, XXXX XXXX XXXX for 50 % of the balance in the amount of {$220.00} on XX/XX/2020, and is refusing to review and remove this debt from my credit report. I have sent XXXX, XXXX, and Franklin Collection Services all of the settlement and resolution documents through multiple disputes with all three agencies for the past three months that prove I have resolved and paid the creditor XXXX debt, and all three are refusing to remove this item from my credit report. Originally, this debt was being collected upon by two separate collection agencies, XXXX XXXX XXXX and Franklin Collection Services, and XXXX XXXX XXXX was the agency that I chose to work with to clear this debt. Ironically, XXXX  and XXXX  both accepted the resolution documents to clear the XXXX XXXX collection account and remove it from my report, but are failing to see that this is a duplicate collection account on the same debt from the same utility company even after I have explained it clearly. I provided the contact information of the representative " XXXX XXXX '' of XXXX XXXX XXXX, the confirmation number of my transaction and the account summary that names the creditor, myself, and the request to all credit reporting agencies regarding this account be deleted or removed from their records. I feel that Franklin Collection Services are continuing their actions due to I chose to work with XXXX XXXX XXXX and not them and are illegally trying to force me to pay this debt twice through strong arm tactics with my credit report through XXXX  and XXXX  that I have no control over which both XXXX and XXXX  are assisting Franklin Collection Service in doing so. Even after all of my attempts to follow all of the proper disputing steps of each agency to do my part in resolving my debt, Franklin Collection Service, XXXX, and XXXX  have ignored the facts that I have provided before them and are continuing to work together to continue to collaboratively inflict negative credit damage to a consumer that has been following their posted credit repair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical  issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
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 2020-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several XXXX  issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately on 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 2020-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately on 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 2020-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX Asset-Backed Pass- Through Certificates Series XXXX ( Plaintiff ) and Ocwen Loan Servicing ( Servicer ) failed to furnish Defendant documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX Through Certificates XXXX XXXX, including all Notes that should have been properly indorsed each time they were transferred. 
For the foregoing reasons, I ( the Defendant ) demand documentation of this time-barred debt from Plaintiff, servicer and XXXX and XXXX attorneys. 
Most detrimental to the lost of my property XXXX XXXX XXXX, XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX highlighted ), the Trust and mortgage servicer all have failed to furnish an authentic promissory note and the Trust Pooling and Servicing agreements for XXXX & XXXX, that should prove " standing '' for an eviction and foreclosure proceedings. 
Per the SEC filings, the " Attestation '' most recent filing was XXXX and not referencing XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I worked with a debt collection company and paid off the balance owed to the company, but they are still emailing me for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. 

LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.

The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
In XXXX of this year, my mortgage was sold from Dovenmuehle Mortgage, INC to XXXX XX/XX/XXXX. At the moment, my loan was in forbearance. Prior to selling the loan to XXXX Dovenmuehle reported my loan as 120+ delinquent, which was not true as it was under forbearance as per the terms of my agreement with Dovenmuehle . 

I have been trying to request this correction from Dovenmuehle for over 5 weeks. On my report, the account indicates that it has been closed with a {$0.00} balance, but my credit score is still 70+ points lower than it should be due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 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
State: NC

Complaint narrative:
I have been trying for 4 months to close my Paypal account and the company refuses to close it. I do not want the Paypal account in question open, nor do I want it associated with my name. Please assist me in getting this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
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 2020-11-27 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I Have Send In Multiple Letters To Experian Explaining To Them My Name Is Listed Wrong And I Have Inquires That Are Not Mine To Remove Them Ive Also Called Multiple Times People Were Being Rude An Also Hanging Up On Me Ive Requested That My Name Is Fixed And To Remove The Inquires Thats Not Mine

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