vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Credit Card Services made an urgent request to XXXX   and Experian Consumer Credit Bureaus in order to removed this account from my credit report since XX/XX/XXXX, I will attached the letter that was sent to XXXX and Experian. This issue has not been resolve I have been calling XXXX and Experian since XX/XX/XXXX and they stated they have not received any letter or request

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 2019-07-16 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In XXXX of 2019 I contacted XXXX  XXXX and Experian to have non-holding account inquiries removed from my credit report that I did not authorized. They refused to do so and did not send any validation showing that I did under the Fair Credit Report Act. 

The following inquiries should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My former mortgage lender was XXXX, On XX/XX/2019 I received a letter of notification from XXXX that they were transferring my loan to LoanCare , LLC with instructions on where to make payments as of XX/XX/2019. 
I followed the instructions, however, I was surprised to receive a letter from XXXX in XXXX informing me they did not receive my payment. I called them immediately and after some research on their part, they discovered my XXXX payment and gave me a new loan #. I entered the new loan number and in XXXX I paid my mortgage with the new loan number and correct address. 
Now today, I was shocked to receive a letter informing me that my mortgage pmt is two months past due. Again I called immediately but no matter how many times I followed their automated phone instructions to reach a representative, I was bounced out of the system. I am of course, furious. 
I am XXXX y/o, my husband passed almost two years ago and I am struggling to take care of a house and all the responsibilities alone. However, I am doing the best I can and have been diligent about paying my mortgage payment on time. This is so unfair and unacceptable. After checking online, I see that LoanCare llc has a number of complaints against them and I can see why. I do hope you can assist me in resolving this unfortunate situation before it affects my credit. Thank you so much! 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 2019-07-16 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I XXXX XXXX and XXXX XXXX both has spoken with Ally Financial about two payments we made on our account to get it current. we was told the extra payment went toward the principal we never told them to place that extra payment toward the principal of the loan. We told them we made that extra payment to get our payments caught up. XXXX told us when you make a extra payment we place toward the principal and we told them no that is not correct I told them when I made the payment I was paying last month and this month they said ok. Know it is showing on our credit that we are behind on our truck and we are not. We have tried talking to them and they keep telling us they are going to fix it and they haven't it is still showing late it is hurting our credit very bad. this HAS BEEN GOING ON FOR 5 MONTHS every time I call them they tell me they are going to fix it they still have not fix it this is very upsetting that they would just tell me a bold face lie about they was going to fix it and haven't. I was calling them everyday and they say they are working on it that is a lie.

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 2019-07-16 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: ATG Credit, LLC
State: MS

Complaint narrative:
I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX they are really giving me a hard time about removing these items off my report Company-XXXX XXXX ATG credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to 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 2019-07-16 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX  they are really giving me a hard time about removing these items off my report Company-XXXX XXXX XXXX XXXX LVNV funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
XXXX XXXX, XX/XX/2019 our property was stuck by a tornado. Our insurance company issued a check for repairs and replacement of personal property but made the checkout to myself, my wife and the mortgage company - Flagstar Bank. I endured the check and sent it to Flagstar, they asked me to do a bunch of paperwork and I did and I was ordered to have it all notarized. The contractor I hired was told to do the same. To date, I have not been able to access any of the money and have not been able to repair my property. Every time I call Flagstar it is another reason why I can not have the money issued. In addition I was issues a check for {$1000.00} from the Ohio realtors housing disaster relief fund to pay my next mortgage payment. I endorsed this check and sent it to Flagstar  and again nothing has been done that I am aware of. I spoke to someone on the phone today from Flagstar that said before Flagstar can release any money  they will need proof work has been done to their satisfaction or that I have replaced or repaired everything including personal property. The suggestion was that if I was given money for 12 pair of socks I Flagstar would have to come inside my home, into my bedroom and look in my drawers to verify I bought 12 pair of socks or they will keep the money. This greatly concerned my and I believe it is an invasion of my privacy and against the law. I am a veteran and it is a VA loan, I will talk to the VA and see what they say. I am a XXXX XXXX XXXX XXXX employee and I will see what they say and I will also talk to the Ohio Attorney General 's office to see if Flagstar is allowed to do this. We are going on 2 months and they have had the money for over 1.5 of those months and I can not get repairs done. Also, the check for my mortgage is nowhere to be found and I expect that my XX/XX/XXXX payment should be {$1000.00} less but I know nothing. Please help! I want the funds released to me at once so I can repair my home and replace what is needed and continue living my life, I also want the {$1000.00} applied to my XX/XX/XXXX mortgage payment to effectively reduce my payment by {$1000.00}

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 2019-07-16 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:
XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( Equifax, XXXX, XXXX  XXXX XXXX balance XXXX is not my account but on my credit ( Equifax, XXXX, XXXX  will not remove and XXXX will not answer my calls ) XXXX   XXXX XXXX reported on Equifax not my account XXXX XXXX XXXX   {$990.00} Reported on XXXX, Equifax, XXXX not my account and was not removed XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance on XXXX  & XXXX and was not removed XXXX collection account doesnt belong to me and was not removed. 
XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX Last reported XX/XX/XXXX {$510.00} Reported balance on XXXX  and XXXX not my account XXXX collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX closed account reporting on my XXXX report that will not be removed it doesnt belong to me ( Equifax Equifax inquires that are not mine contacted equifax and creditor to remove but no help XXXX XXXX, L Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX inquires not from me. I have reported by XXXX   has not removed XXXX Inquiry from XX/XX/XXXX Bank XXXX-XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Acc Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Auto Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX inquires that do not belong to me XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I received a Writ of Execution ( Money Judgment ) on XX/XX/XXXX in the amount of {$3000.00} from Plaintiff : Robert J. Colclough, III attorney for XXXX XXXX. The original case was filed on XX/XX/XXXX in XXXX XXXX Superior Court. I was unaware that I was being sued in the first place so it was quite a shock to learn that my bank account had already been levied for the amount stated above. 
The Statute of Limitations for credit card/written debt in California is 4 years - which begins after the first delinquent payment. The credit card debt was from a XXXX XXXX XXXX XXXX, upon which the last payment made was XX/XX/XXXX XXXX XXXX of XXXX ). The Statute of Limitations for this debt expired in XXXX, and the lawsuit was filed in XXXX, rendering the debt time-barred. 
Suing an individual for time-barred debt is prohibited.

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 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
The debt collection company CBE Group has been attempting to collect on a debt that is not owed by me. While I have received proof that the debt is real, it was opened by another individual with the same first, middle and last name as myself and I am in no way responsible for this debt. I have made the CBE Group aware of this via multiple letters, the most recent on XX/XX/XXXX, and they have refused to provide any evidence that it was myself, and not this other individual, who opened the account yet continue to claim I owe this debt. I have only received copies of XXXX billing statements listing the other individual 's name and home address, with continued demands that I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score. This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I opened an account with M & T Bank in approximately XXXX or XX/XX/2019. I closed it a couple of months later. Today, XX/XX/XXXX, I received a letter that they had tried to contact me previously about an overdraft of {$29.00} but they had not heard back from me, and that they are closing the account and trying to collect the debt from me. This is a LIE. 

First, I closed the account months ago. 
Second, I never wrote a check on the account, and the balance is zero. There is NO negative balance. 
Third, they have not written to me previously. 

And fourth, they have the spelling and grammar of a first grader, which makes me suspect that the letter is a scam.

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 2019-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I Review my Credit files on Transunion and XXXX, and noticed a false information reported on the collection services that i have not acknowledge of or consent to from XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have reason to believe I do not associate or have an account with XXXX XXXX, my wireless cable has always been with XXXX XXXX XXXX. I believe the information is incorrect or mistakes from the Collection Services, therefore reporting false information is in violation with FCRA Fair Credit Reporting Act.

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 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
My complaint is against my mortgage servicer - Fifth Third Bank I pay my own insurance and taxes and do not use the mortgage company to escrow. XX/XX/XXXX I switched home insurance companies from XXXX to XXXX. I few months later I received a notice stating the mortgage company would place force placed home insurance on my home unless I provided proof of insurance by uploading a copy of my statement to the website they provided. About 45 days later I received another notice claiming they would be placing insurance unless I could provide proof the period of XXXX. I was still with XXXX ( the company I had been with for 3+ years ), but loaded proof of insurance from the carrier to their site. In XX/XX/XXXX, I received another letter stating they need proof. This time I called ( XX/XX/XXXX @ XXXX and spoke with XXXX ) and advised that I have provided this multiple times and they needed to correct my issue. I was assured by the representative that all I needed to do was provide my insurance carriers name and number and he would call the agent directly to have all this cleared up. I said I would not be happy if I received another one of these letters or worse yet, they force placed insurance when my home has been covered with no lapse in coverage this entire time. He advised me he would have it all taken care of and to not worry. I asked if i could wait on hold while he called, he said no. I asked if I could get a call back when it was taken care of and he said no, but don't worry, he would take care of it. Today I received a bill from Fifth Third Bank for the cost of them to provide insurance for the dates of XXXX. I immediately called them to speak with someone. I waited on hold for 25 minutes and the call was disconnected. When I called back, the recording said they were closed for the day and to please call back during normal business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: FL

Complaint narrative:
Since XX/XX/XXXX they are sending me letters that I owe them a money that was paid by the hospital. I sent them letters requesting that they give me proofs and nobody sent me proofs only a receipt that seems manipulated. 

I applied for financial assistance from the hospital and they covered the expenses, then these people began to charge me the amount of {$2600.00} and without giving me evidence where I said I should pay that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: MA

Complaint narrative:
World Remit does not deliver what it promised on time. I made several calls during 24 hours period. The money involved is {$1000.00} and was sent XX/XX/2019. Since then I called several customer service agents, and each of them has been saying the same reason, that its payout partner does not provide any confirmation after it received money. So the agent provided two options for me to consider, cancel the transaction or keep waiting. I took the cancellation and I demanded to send back my money back to my bank account in US as soon as possible, but the agent does not not guaranty when I will get the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
{$1000.00} deposit in form of money order made. Receipt in hand, posted to account. Bank of America XXXX XXXX manager XXXX XXXX took the {$1000.00}. Disputed XX/XX/2019. To no avail

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 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
and requested original documentation showing I owe this debt for them to show my signature on a contract that I agree to pay the debt that is on my credit report lvnv funding LLC is in direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681

Company response to consumer: Closed with explanation