vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was scammed by online company. 
Tried to buy cat for XXXX . 
Pay in Bank of America and bank does not allow me to Desputing. Its happening XX/XX/2121 2121

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 2021-03-29 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: VA

Complaint narrative:
I recently mailed a letter to Credit Bureaus for disputing items appearing on my credit report, which they maintain. The response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX  XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor 10 XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
The company currently servicing our mortgage reached out in XX/XX/XXXX to refinance our mortgage due to the low rates, so we agreed. We locked in a rate of 3.125 % on XX/XX/XXXX with NewRez and supplied them with all the upfront requested documentation and eSigned all necessary forms. It is now XX/XX/XXXX and we still have NOT closed on the refinanced loan and they are asking for more documents, and my husband to correct the figures multiple times on the documents provided by NewRez for the refinance ( incorrect escrow figure, property taxes, etc. ). We constantly reached out to the company throughout the multitude of months since starting the process in XXXX and were told various stories about how the loan would be underwriting soon once one more bit of information was verified -- and the information to be verified never was accurate to begin with for our loan. Or, there would be no response and no escalation even after we demanded status updates with set deadline dates for such information. We have lost out on four months of saving {$300.00} a month that the refinance should have secured had it closed at the end of XX/XX/XXXX as it should have closed, and we now can not refinance with an alternate company at the same rate as rates have now increased, and also, the loan office does not get paid until this loan closes so there are multiple parties effected by this company 's gross incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: VA

Complaint narrative:
I recently mailed a letter to Credit Bureaus for disputing items appearing on my credit report, which they maintain. The response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. 
1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX  OF XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor 10 XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
This lender, XXXX Bank, has engaged in an ongoing and breathtaking pattern of misconduct, ranging from sheer incompetence to outright deception, including the following : -Falsely claiming I did not have insurance on the property so they could purchase insurance at multiples of the fair market rate and try to pass along the inflated premium to the borrower -Deliberately misinforming me that my loan had been sold to another lender, so that I would stop complaining about their misconduct ( in fact, the loan had not been sold, just assigned to a different TIAA servicer ) -Unilaterally altering the terms of my mortgage by adding additional escrow fees that I specifically declined

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
New American Funding sent me a Closing Disclosure on XX/XX/XXXX for to refinance my loan. That Closing Disclosure said that I would close on XX/XX/XXXX and disburse on XX/XX/XXXX. As of today, New American Funding is still scrambling and still hasn't scheduled a closing date. I would like to just cancel the loan at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC
State: NC

Complaint narrative:
Applied for new home mortgage in XX/XX/XXXX. Was prequalified by Eagle Home Mortgage for a new construction home with XXXX XXXX. I made two payments of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. I worked with XXXX XXXX ( Sales Representative ) and XXXX XXXX ( Loan Officer ) during the home buying process. I received a closing date for XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX at Eagle Home Mortgage stating my loan application was submitted to underwriting on XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX and was told my loan was not approved. I asked for time to obtain a mortgage with another lender. I never received a denial letter or any correspondence from the underwriter with the reason for the denial. I was given a new closing date of XXXX XXXX. I contacted XXXX XXXX to obtain a refund for my deposit since they will not give me more time to obtain a mortgage with another company. 
I was approved by another lender but they need at least 45 days to complete the loan process. XXXX XXXX refuses to give me more time and said I will not be refunded for my down payment. I need my down payment refunded in order to move forward with a different company. XXXX and Eagle Home Mortgage took my down payment and completed building the home prior to securing my loan. If there were any issues with the loan mortgage then I should have been notified timely in order to resolve the matter. Since XXXX does not want to allow me time to secure the loan I would my money back.

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 2021-03-29 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: GA

Complaint narrative:
Identity Theft & Fraud, that was never blocked, on my account. Duplication Accounts, Inaccurate Accounts. Account Information Incorrect, on loans balance, payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, there is a creditor on my EarlyWarningSolutions report that is reporting me for an account that claims to be a charge off and I never signed or had any connection with this debt collector. The confirmation number is XXXX, this account also states I am responsible for a reversal fee of {$370.00} which I was never informed of, this account also lists a phone number which has ever been registered to me as XXXX which is an error. I believe the right thing to do because this account is reported in error that it should not continue to stay on my credit reports anywhere as well as Early Warning Solutions and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: GA

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. 

Accounts are : XXXX {$2300.00}, XXXX XXXX XXXX, XXXX XXXX XXXX {$780.00}, Inquires ; XXXX XXXX, XXXX, XXXX XXXX, equifax mortgage, XXXX XXXX, XXXX and XXXX  Please remove any inquiry within the last 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: IL

Complaint narrative:
I have sent Numerous notices to Equifax, XXXX, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & are in error that need to be delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: IL

Complaint narrative:
I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & are in error that need to be delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: GA

Complaint narrative:
First and foremost, Discover is in violation of numerous consumer credit laws. I used my credit card as defined by 15 usc 1602 ( l ) to enter into a consumer credit transaction with Discover. Since then, they have been sending me deceptive forms as described in 15 USC 1692j for me to pay on an alleged " debt '' when in fact, I am the original creditor and the consumer. Pursuant to 15 usc 1692c, I have informed them in writing that I wish to no longer pay on this alleged debt. 15 USC1605 ( a ) states that " the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '', but in contrast, Discover has taken a plethora of comparable cash transactions ( ACH payments ) over a course of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I started disputing this company since XX/XX/2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. 

Collector sent me a basic print out of medical bills on their system. That isn't proper Validation. By law if you cant provide proper documentation then accounts needs to me removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA violations : Trade line for paid off vehicle is not reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: SC

Complaint narrative:
There are 17 accounts that are on my credit report that do not belong to me I have been going back and forth with the buireaus for two years I have opened an FTC report and this is my last step. This is clearly identity theft and I wan this resolved asap. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: SC

Complaint narrative:
There are 17 accounts that are on my credit report that do not belong to me I have been going back and forth with the buireaus for two years I have opened an FTC report and this is my last step. This is clearly identity theft and I wan this resolved asap. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXXXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX - CARD SERVICE Account Number : XXXX Account Name : XXXX  - CARD SERVICE Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account XXXX : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXXXXXXXXX Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: T.S. Holdings
State: TX

Complaint narrative:
I paid the balance in Full. Balance should be {$0.00} and account closed. It is still reflecting open with an outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 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: ProCollect, Inc.
State: TX

Complaint narrative:
I paid the balance in Full. Balance should be {$0.00} and account closed. It is still reflecting open with an outstanding balance.

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 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
Absolute Recovery Service XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  {$8800.00} i went to court and the judge said that i do not owe this money and XXXX XXXX  asked for me to vacant the unit on XX/XX/XXXX and the judge agreed and i moved out on XX/XX/XXXX relocated to my current city and received a court summons for XX/XX/XXXX for the same money that Absolute Recovery is trying to collect from the same Apartment company that the judge said i do not owe. They are taking me to court with another judge because they did not like the first judge agreement who saw my receipt of paying these people {$4000.00} XX/XX/XXXX prior to moving into the unit on XX/XX/XXXX and they filed court detainer on XX/XX/XXXX to evict me from the unit after they took over 4 months in rent from me and now trying to extort over {$8800.00} from me after the judge told them that she will not make me pay them this money. they are in collections for the {$8800.00} and the courts trying to extort funds of {$3900.00} from a XXXX person who lives off {$200.00} per month in income and do not reside in their unit and have not been in XXXX since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NY

Complaint narrative:
Fedloan Services are reporting the duplicate loans as closed accounts and transferred and also as open and current on my credit report. The closed loans were apart of the Rehabilitation Program by Department of Education which were in good standing after they were consolidated and the completion of the program. I was promised that the past late payment would be removed and sold to another loan carrier. Fed loan picked back up the loans and are reporting the same loans as current and in good standing and the closed account as missed payment. All the loans have the same amount and loan account number. I have disputed this error with fed loans and was giving the run around to why the duplicate loans ( which are the closed account loans ) were not removed from my credit report after I finish the Department of Education Rehabilitation Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I have a mortgage serviced through Dovenmuehle. They have failed to pay my property tax installments out of escrow for XXXX per the original contract. First payment was due on XX/XX/XXXX which was never paid. Now the full payment of XXXX is due by XX/XX/XXXX and still hasnt been paid. I called several times and emailed a letter with a copy of a tax bill on XX/XX/XXXX. My issue still hasnt been resolved even after talking to managers at the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover on XX/XX/2021 drafted out of my checking account for a payment of {$100.00} this wasn't authorized by me. After with my bank paid the item but charged me {$35.00} overdrafted fee and now my account is negative. Talked to rep on XX/XX/2021 at Discover and after review stated it was their error and I should call the bank and explain. Also stating that Discover will send a check to me for the amount of {$100.00} for the error. Now not only was this not authorized but I made a payment of {$500.00} just prior to the XX/XX/XXXX. This is a great inconvience to me and can't use my bank account now because if I deposit money it will go towards the negative balance.

Company response to consumer: Closed with explanation